Property operations

Business Interruption Loss Calculator

Estimate lost NOI and extra costs during a property interruption. Enter your own assumptions and local rates.

What this calculator estimates

Estimate lost NOI and extra costs during a property interruption. It combines the inputs below to produce Estimated uninsured loss. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.

Worked example

Using the displayed sample assumptions, the calculator produces $230,000. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.

Inputs and assumptions

• Normal monthly property revenue — sample input: 60000 currency units
• Avoided monthly variable costs — sample input: 10000 currency units
• Interruption period — sample input: 4 months
• Monthly continuing fixed costs — sample input: 25000 currency units
• Extraordinary mitigation expense — sample input: 30000 currency units
• Expected insurance recovery — optional — sample input: 100000 currency units

How to interpret the result

Reconcile the result with leases, invoices and property records. Compare a conservative case with an expected case and keep a record of the assumptions used.

Common mistake to avoid

Do not mix physical occupancy with economic occupancy. Local definitions, taxes, lending practices and measurement requirements can materially change the result.

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Reviewed 2026-09-08.