Loss of Earnings Calculator

1 Client & Case Details

Client Full Name

Claim Reference

Date of Accident

Date of Calculation

2 Pay Cycle

Monthly Weekly Fortnightly

Select how the client is paid — the weekly rate conversion will adjust accordingly.

3 Three Payslips Before Accident — net take-home pay only

Enter the net take-home pay from each payslip immediately before the accident. The tool averages these to establish the weekly net loss rate. Gross figures are not used — the court awards net loss only.

Pay Period / Label Net Take-Home (£) Notes

4 Sick Pay & Additional Losses

Sick Pay Received During Absence

Sick Pay Type

Duration (weeks)

Overtime & Bonuses Lost

Avg Overtime Lost Per Week (net £)

Use 12-week pre-accident average from payslips

Bonus / Commission Lost (net £)

One-off lump sum (net figure)

2 Business Details

Nature of Business / Trade

UTR / Companies House No. (optional)

Evidence Type

SA302 / Tax Returns Trading Accounts Both

SA302s issued by HMRC show net profit after tax for each tax year — use up to three years before the accident year.

3 Annual Earnings Evidence — up to 3 years before accident

Self-employed quantum — key principles:
Net profit after tax is the equivalent of net take-home pay and is the correct measure for loss of earnings claims. Enter figures from SA302s, HMRC online tax summaries, or certified trading accounts. Where accounts show gross receipts, deduct allowable expenses and tax/NI to arrive at net profit. Three years is preferred — if fewer are available, explain why in your schedule.

Tax Year / Period Turnover / Gross (£) Allowable Expenses (£) Tax & NI Paid (£) Net Profit After Tax (£)

💡 The blue Net Profit fields auto-calculate if you enter Turnover, Expenses and Tax. Or enter net profit directly if taken straight from SA302.

4 Additional & Unrecoverable Losses

Self-employed additional heads: In addition to lost profit, self-employed claimants may recover the cost of hiring replacement labour to keep the business running, fixed overheads that continued during absence (rent, insurance, loan repayments), and lost contracts or specific jobs that can be evidenced.

Replacement Labour Cost (total £)

Cost of hiring staff / subcontractors to cover absence (evidence required)

Fixed Overheads During Absence (total £)

Rent, insurance, subscriptions etc. that continued but produced no income

Lost Contracts / Specific Jobs (total £)

Identifiable jobs lost — must be evidenced (quotes, cancelled orders)

Other Agreed Losses (total £)

Any other quantifiable business loss — describe in schedule notes

5 Period of Absence & Working Pattern

First Day Off Work

Returned to Work / Period End

Working Pattern

If your client does not work every day, specify their normal working days per week. The calculator will derive a daily rate and apply it to actual working days lost — not the full calendar period.

Days Worked Per Week

Select standard contracted days per week

Actual Working Days Lost

Override if exact days known (e.g. phased return)

Include ongoing / future loss of earnings