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Combined Ratio Calculator — result sheet
Calculate a descriptive combined claims-and-expense ratio against earned premium.
Inputs used
Results
Visual chart
Breakdown
Calculation steps
Returned data table
Formula and methodology
Formula: Combined ratio=(claims incurred+underwriting expenses)/earned premium×100.
Claims and expenses are displayed as one ratio against the supplied earned-premium denominator.
This result follows the calculator's declared inputs, precision, validation boundaries, and model limits.
Input contract
- Claims incurred — minimum 0; maximum 1000000000000
- Underwriting expenses — minimum 0; maximum 1000000000000
- Earned premium — minimum 1.0E-6; maximum 1000000000000
Worked example
| Input | Value |
|---|---|
| Claims incurred | 650000 |
| Underwriting expenses | 250000 |
| Earned premium | 1000000 |
Combined ratio =90%.
Assumptions and limits
- Amounts use one currency and compatible reporting periods; earned premium is positive.
- Claims and expenses are supplied as nonnegative amounts.
- Reserve development, reinsurance, investment income, regulation, and underwriting decisions are not modeled.
Calculator note
Source and methodology
Use the official WorldCalculate methodology policy for the source, formula, precision, and boundary standards behind this calculator.
Planning estimate, not financial, medical, legal, or professional advice. © WorldCalculate — reuse with attribution. Built and curated by Hassan ALRowaie.
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