Lost Wages and Future Earnings Calculator

ANA›Life Services Authority›National Calculator Authority›Lost Wages and Future Earnings 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 Wages and Future Earnings Calculator

Estimate your lost wages from missed work and projected future earnings losses due to injury, illness, or disability. This tool calculates both past lost income and the present value of future earning capacity losses.

### Past Lost Wages

Pay Structure

Hourly Annual Salary Self-Employed / Variable

Hourly Rate ($)

Hours Worked Per Week

Annual Salary ($)

Average Monthly Net Income ($)

Total Workdays Missed

Value of Lost Benefits Per Month ($) (health insurance, retirement, etc.)

PTO / Sick Days Used (days) (compensable days you were forced to use)

### Future Earnings Loss

Future Loss Scenario

No Future Loss Partial Capacity Loss (reduced earnings) Total Disability (unable to work)

Current Annual Earnings ($)

Reduced Annual Earnings After Injury ($)

Years of Work Remaining (until retirement)

Expected Annual Wage Growth Rate (%) (typically 2–4%)

Discount Rate (%) (present value rate, typically 3–5%)

### Adjustments

Estimated Income Tax Rate (%) (for net loss calculation)

Mitigation Earnings (income earned during recovery, $)

Calculate Lost Wages & Future Earnings

### Results

function losToggleWageInputs() { var t = document.getElementById('los-wage-type').value; document.getElementById('los-hourly-inputs').style.display = (t === 'hourly') ? '' : 'none'; document.getElementById('los-salary-inputs').style.display = (t === 'salary') ? '' : 'none'; document.getElementById('los-selfemployed-inputs').style.display = (t === 'selfemployed') ? '' : 'none'; }

function losToggleFutureLoss() { var t = document.getElementById('los-future-loss-type').value; document.getElementById('los-future-inputs').style.display = (t !== 'none') ? '' : 'none'; document.getElementById('los-partial-inputs').style.display = (t === 'partial') ? '' : 'none'; }

function losVal(id) { var v = parseFloat(document.getElementById(id).value); return isNaN(v) ? 0 : v; }

function losShowError(msg) { var el = document.getElementById('los-error'); el.textContent = msg; el.style.display = ''; document.getElementById('los-result').style.display = 'none'; }

function losClearError() { document.getElementById('los-error').style.display = 'none'; }

function losCalc() { losClearError();

var wageType = document.getElementById('los-wage-type').value; var futureLossType = document.getElementById('los-future-loss-type').value;

// ── Derive daily rate ────────────────────────────────────────────────────── var dailyRate = 0; if (wageType === 'hourly') { var hr = losVal('los-hourly-rate'); var hpw = losVal('los-hours-per-week'); if (hr = 1) { losShowError('Tax rate must be between 0 and 99%.'); return; }

// ── Past Lost Wages ──────────────────────────────────────────────────────── // Gross lost wages = daily rate × (days missed + PTO days forced to use) var grossPastLost = dailyRate * (daysMissed + ptoDays);

// Lost benefits = (benefits/month) × (days missed / 21.67 workdays per month) var monthsMissed = (daysMissed + ptoDays) / 21.67; var lostBenefits = benefitsMo * monthsMissed;

// Net past lost wages (after tax — courts often award gross, but net shown for reference) var netPastLost = grossPastLost * (1 - taxRate);

// Total past loss (gross wages + benefits − mitigation earnings) var totalPastGross = grossPastLost + lostBenefits - mitigation; var totalPastNet = netPastLost + lostBenefits - mitigation; if (totalPastGross = currentAnnual) { losShowError('Reduced earnings must be less than current earnings for a partial loss scenario.'); return; } annualLoss = currentAnnual - reducedAnnual; } else { annualLoss = currentAnnual; // total disability }

// Present value of growing annuity // PV = L × [ (1+g)/(d-g) ] × [ 1 - ((1+g)/(1+d))^N ] when d ≠ g // PV = L × N × (1+g) when d = g (approx) var g = wageGrowth; var d = discountRate; var N = yearsRem;

if (Math.abs(d - g) ' + r[0] + '' + r[1] + ''; }); document.getElementById('los-result-table').innerHTML = html;

var summary = 'Your estimated total economic loss is ' + fmt(grandTotal) + ', ' + 'comprising ' + fmt(totalPastNet) + ' in past lost wages/benefits' + (futureLossType !== 'none' ? ' and ' + fmt(pvFutureLoss) + ' in present-value future earnings loss.' : '.') + ' These figures are pre-litigation estimates. Consult an attorney or economist for legal proceedings.

'; document.getElementById('los-result-summary').innerHTML = summary;

document.getElementById('los-result').style.display = ''; }

#### Formulas Used

Daily Wage Rate

Past Lost Wages (Gross)

Gross Lost Wages = Daily Rate × (Days Missed + PTO Days Used)

Lost Benefits

Lost Benefits = Monthly Benefits Value × (Days Missed ÷ 21.67)

Net Past Loss

Net Past Loss = (Gross Lost Wages × (1 − Tax Rate)) + Lost Benefits − Mitigation Earnings

Present Value of Future Earnings Loss (Growing Annuity)

When discount rate (d) ≠ wage growth rate (g):

PV = AnnualLoss × [(1+g) ÷ (d−g)] × [1 − ((1+g) ÷ (1+d))^N]

When d ≈ g: PV = AnnualLoss × N

Then: PV (after tax) = PV × (1 − Tax Rate)

Grand Total

Total = Net Past Loss + PV of Future Earnings Loss

#### Assumptions & References

More Calculators

Read Next

Study Time Planner Authority Network America › Life Services Authority › National Calculator Authority .calc-container { max-width: 640px;...

References

Related Authorities

Life Services Authority › Professional Services Authority › Trade Services Authority › United States Authority ›