Economic injury disaster loan calculator
With average monthly operating expenses of 8,000 and 6 months of coverage, the working capital to request in an economic injury disaster loan comes to 48,000. Enter your ordinary monthly costs and the months you need to bridge. Free in your browser.
- Free
- Runs in your browser
- No sign-up
- Your data stays on your device
Run — free
Worked example
- Average monthly operating expenses
- 8,000
- Months of coverage
- 6
- Loan amount
- 48,000
An economic injury disaster loan is working-capital credit for a small business, private nonprofit, or agricultural concern whose cash receipts fell after a declared disaster even when the building itself was not destroyed. Applicants estimate the largest justifiable loan by multiplying average monthly operating expenses by a months-of-coverage factor that stands in for how long rent, payroll, utilities, insurance, and inventory must be paid without normal sales.
What the economic injury disaster loan identity estimates
The economic injury disaster loan is a working-capital product: it is meant to replace the cash a concern would have used to stay open, not to rebuild a roof or replace a machine. Searchers who type economic injury disaster loan calculator want a single number they can put on a worksheet, a banker conversation, or a filing packet: how much loan is justified by ordinary monthly costs times a coverage window.
Average monthly operating expenses are the ordinary costs of staying in business—rent or mortgage on the premises, payroll and payroll taxes, utilities, insurance, inventory replenishment, and contracted services that do not stop because receipts stopped. They are not capital improvements and they are not owner draws dressed up as costs.
Months of coverage is the working-capital window, often six months in disaster-loan practice, though a lender or a program year may ask for a shorter or longer factor; fractional months are accepted so a four-and-a-half-month interruption does not have to be padded in secret. Zero expenses describe a month with no operating costs and yield a zero loan. Zero months describe a window that needs no coverage and also yield zero.
Negative expenses cannot describe operations that happened, so they fail instead of printing a negative loan a form might display as a refund. The calculator does not apply a statutory maximum, does not test size standards, and does not convert currencies: those belong in the program rules for the year you file. Money fields round to two decimals so they match a worksheet.
Where an economic injury disaster loan calculator earns its keep
Recovery coordinators, bookkeepers, and small-business counselors rank for economic injury disaster loan calculator because an owner thinks in the number at the bottom of the worksheet, not in a six-line spread of rent, payroll, and utilities. Trade associations and chambers can embed the same identity so members size a request after a flood, wildfire, or public-health shutdown without opening a spreadsheet that silently changes the decimal separator.
Educators teaching disaster finance can seed classroom examples that fail loudly on negative expenses instead of silently printing a minus sign a student might treat as a credit. Failed validation does not consume balance. Keep expenses and months non-negative, pin the rounded money fields in tests, and you get a reproducible economic injury disaster loan estimate for widgets, course modules, and edge workers without standing up a lending engine of your own.
What you can do with it
Working-capital worksheet after a declared disaster
Turn an average month of rent, payroll, utilities, and inventory into the loan amount a recovery packet can justify by multiplying those costs by the chosen months of coverage.
Counselor scenario comparison
Compare a six-month coverage window against a shorter interruption so a small-business counselor and the owner see two justifiable loan amounts before they file.
FAQ
What is a typical months-of-coverage factor?
Six months is the common working-capital window for an economic injury disaster loan estimate, but the field is required so you can send a shorter or longer factor, including a fractional month, without padding the form.
Does this apply a statutory loan maximum?
Clip the result to a program-year statutory cap in your own filing rules if that ceiling applies.
How is the disaster loan amount estimated?
Multiply your average monthly operating expenses by the number of months the loan should cover. The result is the working capital that would keep the business paying its ordinary bills while sales are down.
What counts as monthly operating expenses?
The ordinary costs of staying open: rent or mortgage on the premises, payroll and payroll taxes, utilities, insurance, inventory replenishment and contracted services. Capital improvements and owner draws do not belong in this figure.
Can I enter a fraction of a month?
Yes. Fractional months are accepted, so an interruption of four and a half months does not have to be rounded up. Zero months or zero expenses simply give a loan of zero, while negative expenses are rejected.
Related tools
For developers — API access
Everything on this page is available programmatically. This section is for teams who want to wire it into their own systems; everyone else can just use the tool above.
API endpoint
Prefer to automate it? One authenticated POST creates the task; the result comes back by webhook or a signed link. The same capability also runs here on the web, by email and from Telegram — and soon from our app too.
Call it from your stack
curl -X POST https://api.kit.forhosting.com/fin/economic-injury-disaster-loan \
-H "Authorization: Bearer $KIT_KEY" \
-H "Content-Type: application/json" \
-d '{"average_monthly_operating_expenses":8000,"months_of_coverage":6}'const res = await fetch("https://api.kit.forhosting.com/fin/economic-injury-disaster-loan", {
method: "POST",
headers: {
"Authorization": `Bearer ${process.env.KIT_KEY}`,
"Content-Type": "application/json"
},
body: JSON.stringify({
"average_monthly_operating_expenses": 8000,
"months_of_coverage": 6
})
});
const { task_id } = await res.json();import os, requests
res = requests.post(
"https://api.kit.forhosting.com/fin/economic-injury-disaster-loan",
headers={"Authorization": f"Bearer {os.environ['KIT_KEY']}"},
json={
"average_monthly_operating_expenses": 8000,
"months_of_coverage": 6
},
)
task_id = res.json()["task_id"]<?php
$res = file_get_contents("https://api.kit.forhosting.com/fin/economic-injury-disaster-loan", false, stream_context_create([
"http" => [
"method" => "POST",
"header" => "Authorization: Bearer " . getenv("KIT_KEY") . "\r\nContent-Type: application/json",
"content" => '{"average_monthly_operating_expenses":8000,"months_of_coverage":6}',
],
]));
$task = json_decode($res, true);body := bytes.NewBufferString(`{"average_monthly_operating_expenses":8000,"months_of_coverage":6}`)
req, _ := http.NewRequest("POST", "https://api.kit.forhosting.com/fin/economic-injury-disaster-loan", body)
req.Header.Set("Authorization", "Bearer "+os.Getenv("KIT_KEY"))
req.Header.Set("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)Example request
{
"average_monthly_operating_expenses": 8000,
"months_of_coverage": 6
}Example response
{
"task_id": "tsk_a1b2c3d4e5f6a1b2c3d4e5f6",
"type": "fin.economic_injury_disaster_loan",
"status": "queued",
"_links": {
"result": "/tasks/tsk_…/result"
}
}The API is asynchronous: the call returns a task_id immediately and the result arrives by webhook. Polling is capped at 1 req/s per task.
Pricing
Published price — no tokens, no invented credits. A failed task is never charged.
Limits
max_abs_value | 1000000000000000 |
Errors
| HTTP | Code | Meaning |
|---|---|---|
401 | unauthorized | Missing or invalid API key. |
402 | insufficient_balance | Your balance doesn't cover the task price. |
404 | unknown_type | That task type doesn't exist. |
429 | rate_limited | Too many requests. Use the webhook instead of polling. |
Technical notes
This calculator applies that identity in one step: loan_amount equals average_monthly_operating_expenses times months_of_coverage. Negative expenses cannot describe a month of operations, so they fail with invalid_input instead of printing a credit a worksheet might treat as cash already in the bank.
What the economic injury disaster loan identity estimates
The identity this tool uses is the one those packets already imply: loan_amount equals average_monthly_operating_expenses times months_of_coverage.
Input contract, response shape, and error behaviour
Fractional months are accepted so a mid-month interruption does not have to be rounded up in the form. Example: twelve thousand five hundred dollars and fifty cents of expenses over four months yields fifty thousand and two dollars. POST a JSON body that supplies average_monthly_operating_expenses and months_of_coverage. average_monthly_operating_expenses is the typical month of ordinary costs in a single currency unit, a finite number that is not negative, with aliases monthly_operating_expenses, monthly_expenses, operating_expenses, expenses, opex, avg_monthly_opex, and average_monthly_expenses. months_of_coverage is how many months of those costs the loan should fund, a finite number that is not negative, with aliases months, coverage_months, coverage, months_coverage, and coverage_factor. Each numeric field may arrive as a JSON number or as a numeric string. Missing average_monthly_operating_expenses, missing months_of_coverage, empty strings, non-finite values, a magnitude above the declared limit, or a negative months_of_coverage fail with invalid_input naming the field and are not billed. Negative average_monthly_operating_expenses is the error this landing exists to catch: the message contains average_monthly_operating_expenses and must not be negative so a form can highlight that control instead of showing a global alert. On success the body echoes both inputs after rounding to two decimals, loan_amount as the product of expenses and months rounded to two decimals, and a formula string restating the identity. Example: average_monthly_operating_expenses of eight thousand and months_of_coverage of six yields loan_amount of forty-eight thousand. Pair the amount with your own program-year cap if the filing needs a statutory ceiling; this endpoint estimates the working-capital need only.
Where an economic injury disaster loan calculator earns its keep
Household and small-business budget apps can store the returned loan_amount as a planned inflow, then let the user layer insurance proceeds and grants on top rather than reverse-engineering a blended figure.
Integration use cases
Budget app planned inflow
Store the returned loan_amount as a planned working-capital inflow, then layer insurance and grants on top instead of reverse-engineering a blended disaster figure.
Technical questions
How is the maximum economic injury disaster loan calculated?
Multiply non-negative average_monthly_operating_expenses by months_of_coverage. The API returns that product as loan_amount, rounded to two decimals, plus the echoed inputs and the formula string.
Why does the calculator reject negative operating expenses?
Negative expenses cannot describe a month of operations. average_monthly_operating_expenses below zero fails with invalid_input and is not billed, instead of returning a negative loan a form might display as a credit already in the bank.
What does the economic injury disaster loan calculator cost?
The browser tool is free. API requests use prepaid balance at $0.002 per successful call; invalid input, including negative expenses, is not billed.