Insurpedia / Tools / Deductible Calculator
Deductible Calculator
Enter a claim amount, your deductible, your coverage limit, and (if your policy uses one) a coinsurance split, and this tool does the arithmetic to show what you’d pay and what the insurer would typically pay. It’s a fixed calculation, not AI, and nothing you enter is saved or sent anywhere.
Your numbers
Coinsurance here means a health-plan-style split of costs after your deductible (like paying 20% while the insurer covers 80%). If your policy doesn’t use coinsurance, leave that field blank.
What this means for you
Enter your claim amount, deductible, and coverage limit above to see the breakdown.
Educational information, not advice: This calculator applies a fixed formula to the numbers you enter; it doesn’t know your actual policy and isn’t a substitute for reading your declarations page or asking your insurer directly. Real policies can apply deductibles and coinsurance differently (per claim, per occurrence, or per benefit period), and some coverages don’t use coinsurance at all. Insurpedia does not sell insurance and does not recommend specific insurers.