Lost Earnings / Damages Calculator

ANA›Life Services Authority›National Calculator Authority›Lost Earnings / Damages Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Lost Earnings / Damages Calculator

Estimates total economic damages including past lost wages, future lost earnings, fringe benefits, and pre-judgment interest.

### Past Lost Earnings

Annual Wage / Salary at Time of Injury ($)

Years of Past Lost Earnings

Annual Wage Growth Rate (%)

Pre-Judgment Interest Rate (% per year)

### Future Lost Earnings

Years of Future Lost Earnings (remaining work life)

Discount Rate to Present Value (% per year)

### Fringe Benefits & Mitigation

Fringe Benefits as % of Wages (%)

Total Mitigation / Replacement Earnings Earned ($)

Calculate Damages

function losCalc() { // --- Read inputs --- var annualWage = parseFloat(document.getElementById('los-annual-wage').value); var pastYears = parseFloat(document.getElementById('los-past-years').value); var wageGrowth = parseFloat(document.getElementById('los-wage-growth').value); var interestRate = parseFloat(document.getElementById('los-interest-rate').value); var futureYears = parseFloat(document.getElementById('los-future-years').value); var discountRate = parseFloat(document.getElementById('los-discount-rate').value); var benefitsPct = parseFloat(document.getElementById('los-benefits-pct').value); var mitigation = parseFloat(document.getElementById('los-mitigation').value) || 0;

var resultDiv = document.getElementById('los-result');

// --- Validation --- var errors = []; if (isNaN(annualWage) || annualWage 20) errors.push("Wage growth rate must be between 0% and 20%."); if (isNaN(interestRate) || interestRate 30) errors.push("Pre-judgment interest rate must be between 0% and 30%."); if (isNaN(futureYears) || futureYears 20) errors.push("Discount rate must be between 0% and 20%."); if (isNaN(benefitsPct) || benefitsPct 100) errors.push("Benefits percentage must be between 0% and 100%."); if (!isNaN(mitigation) && mitigation 0) { resultDiv.innerHTML = 'Please fix the following:' + errors.map(function(e){ return ''; }).join('') + ''; return; }

var g = wageGrowth / 100; var r = interestRate / 100; var d = discountRate / 100; var b = benefitsPct / 100;

// ------------------------------------------------------- // 1. PAST LOST EARNINGS (with wage growth, compounded annually) // Each year t (0-indexed from injury date), wage = W0 * (1+g)^t // Sum of wages over pastYears (continuous approximation): // If g != 0: W0 * [(1+g)^pastYears - 1] / g // If g == 0: W0 * pastYears // ------------------------------------------------------- var pastWages; if (Math.abs(g) ' + 'Past Lost Wages (with growth)' + fmt(pastWages) + '' + 'Past Lost Benefits (' + benefitsPct.toFixed(1) + '% of wages)' + fmt(pastWages * b) + '' + 'Past Lost Earnings Subtotal' + fmt(pastTotal) + '' + 'Pre-Judgment Interest (' + interestRate.toFixed(2) + '% × ' + (pastYears/2).toFixed(2) + ' yrs)' + fmt(preJudgmentInterest) + '' + 'Future Lost Wages (PV)' + fmt(futureWagesPV) + '' + 'Future Lost Benefits (' + benefitsPct.toFixed(1) + '% of wages PV)' + fmt(futureWagesPV * b) + '' + 'Future Lost Earnings Subtotal (PV)' + fmt(futureTotal) + '' + 'Gross Economic Damages' + fmt(grossDamages) + '' + 'Less: Mitigation / Replacement Earnings(' + fmt(mitigation) + ')' + 'Net Economic Damages' + fmt(netDamages) + '' + '' + 'This estimate is for informational purposes only and does not constitute legal or financial advice. Consult a forensic economist or attorney for case-specific analysis.

'; }

#### Formulas Used

Past Lost Wages (growing sum): If g ≠ 0:   PastWages = W₀ × [(1+g)t − 1] / g If g = 0:   PastWages = W₀ × t where W₀ = base annual wage, g = annual wage growth rate, t = past years lost.

Past Lost Earnings (with benefits): PastTotal = PastWages × (1 + b), where b = fringe benefit rate.

Pre-Judgment Interest (simple interest on midpoint): Interest = PastTotal × r × (t / 2), where r = pre-judgment interest rate.

Future Lost Wages — Growing Annuity Present Value: Wfuture = W₀ × (1+g)t (wage at start of future period) If d ≠ g:   PV = Wfuture × [1 − ((1+g)/(1+d))n] / (d − g) If d = g:   PV = Wfuture × n / (1+d) where d = discount rate, n = future years lost.

Net Damages: Net = (PastTotal + Interest + FutureTotal) − Mitigation

#### Assumptions & References

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References

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