Combined Ratio Calculator
Result
Combined Ratio Calculator The Combined Ratio Calculator measures insurer underwriting profitability by adding the loss ratio and expense ratio. Enter claims, expenses, and premiums to get the combined ratio. — free online calculator.
Formula
- Combined Ratio Calculator calculates its result from Claims Incurred, Underwriting Expenses, Premiums Earned. It uses the formula Combined Ratio = (Claims + Expenses) ÷ Premiums × 100. Change any input to recalculate the result instantly.
- The main inputs are Claims Incurred, Underwriting Expenses, Premiums Earned. Enter them in the units and format shown in the calculator.
- Use monetary amounts, rates and time periods exactly as labeled; the result reflects the assumptions entered on this page.
- Changing any input above recalculates the result with the same calculation engine used by this page.
Example: Combined Ratio
- Claims Incurred: 600000
- Underwriting Expenses: 300000
- Premiums Earned: 1000000
Using Claims Incurred = 600000, Underwriting Expenses = 300000, Premiums Earned = 1000000, the calculated result is 90.
Sample result: Calculating…
Frequently asked questions
What does the Combined Ratio calculate?
Combined Ratio Calculator The Combined Ratio Calculator measures insurer underwriting profitability by adding the loss ratio and expense ratio. Enter claims, expenses, and premiums to get the combined ratio. — free online calculator.
Which values should I enter?
Enter Claims Incurred, Underwriting Expenses, Premiums Earned using the units and format shown beside each field.
What formula does this calculator use?
The calculator uses the following relationship: Combined Ratio = (Claims + Expenses) ÷ Premiums × 100.
Why might my result differ from another source?
Results can differ when another source uses different units, rounding rules, conventions or assumptions. Compare the inputs and definitions before comparing results.
Does the result update automatically?
Yes. Changing an input updates the result using the same calculation engine shown on this page.