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Calcimator

Wrongful Death Damages Calculator

Calculate economic and non-economic damages in wrongful death claims.

About this calculator

This calculator estimates wrongful death damages using the 'net accumulations' approach courts commonly apply: it values what the decedent would have contributed to their family financially, not their entire earnings, so it first strips out an estimated personal consumption percentage — the share of income someone typically spends on themselves rather than passing along to dependents — from annual earnings to isolate the net contribution. That net figure is projected forward across the working years the decedent lost, calculated as the gap between their age at death and their expected retirement age, and every future year's contribution is discounted back to present value, since a dollar promised a decade from now is worth less than a dollar in hand today.

Lost benefits like employer-sponsored health insurance and retirement contributions are estimated separately at a flat 25% of earnings and discounted the same way, since these represent real economic value beyond the paycheck itself that a family also loses. Funeral and burial costs are added directly, and non-economic damages — compensation for the surviving family's loss of companionship, guidance, and emotional support — are entered as a separate figure this calculator doesn't attempt to estimate itself, since courts and juries determine that number based on the specific relationships and circumstances involved, which no formula can capture.

Inputs

$
%
%
$
$

Results

Total Damages

$1,866,637.92

≈ 4 average U.S. homes

Economic Damages

$1,366,637.92

≈ 3 average U.S. homes

PV Lost Earnings$1,015,978.44
PV Lost Benefits$338,659.48
Non-Economic Damages$500,000.00
Working Years Lost22 years
Net Annual Contribution$63,750.00
How to Use This Calculator
  1. Enter Decedent Age and Pre-Death Annual Earnings.
  2. Set Expected Retirement Age and Personal Consumption % to calculate the lost economic contribution, and enter Funeral & Burial Costs.
  3. Enter Loss of Consortium and Grief/Non-Economic damages as applicable.
  4. Set Discount Rate % to calculate present value of future losses.
  5. Review Total Damages — the economic and non-economic losses to the surviving family.
  6. Wrongful death claims are brought by estate representatives; consult a wrongful death attorney immediately after loss.

How the result changes with Expected Retirement Age

Expected Retirement AgeTotal DamagesEconomic Damages
58$1,415,971.20$915,971.20
64$1,729,522.92$1,229,522.92
71$2,031,531.60$1,531,531.60
78$2,277,092.31$1,777,092.31

What each input means

Decedent Age at Death
Age of the deceased at time of death.
Annual Earnings
Decedent's annual earnings at time of death.
Personal Consumption %
Percentage of earnings consumed personally (not contributed to family).
Expected Retirement Age
Age the decedent would have likely retired.
Discount Rate
Discount rate for present value calculation.
Funeral & Burial Costs
Funeral and burial expenses.
Non-Economic Damages
Loss of companionship, consortium, and emotional distress.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Decedent Age at Death = 45, Annual Earnings = 85000, Personal Consumption % = 25, Expected Retirement Age = 67 = 7 input(s) provided
  2. Calculate Total Damages
    Total Damages
    1866637.92 = $1,866,637.92
  3. Calculate Economic Damages
    Economic Damages
    1366637.92 = $1,366,637.92
  4. Calculate PV Lost Earnings
    PV Lost Earnings
    1015978.44 = $1,015,978.44
  5. Calculate PV Lost Benefits
    PV Lost Benefits
    338659.48 = $338,659.48

Engine last updated . Checked against 1 independently-derived test — how we verify calculators. Built by Paul Gunder, a software engineer, not a licensed financial, medical, or legal professional.

Frequently Asked Questions

Why does the calculator subtract a personal consumption percentage from earnings?

Wrongful death damages compensate the family for what they lost, not the decedent's entire income, and part of any income is naturally spent on the decedent's own food, clothing, and personal expenses rather than passed along to dependents. Courts recognize this distinction, which is why the net accumulations method used here estimates only the portion of earnings that would actually have reached the family.

Why are lost benefits estimated as a flat 25% of earnings instead of using actual figures?

Twenty-five percent is a commonly used rule-of-thumb approximation for the value of employer-provided benefits like health insurance and retirement matching when actual benefit statements aren't available, but a real case should use the decedent's documented benefits package whenever it exists. This calculator's flat estimate is meant as a reasonable placeholder, not a substitute for verified employer records.

How is the discount rate chosen, and why does it matter so much?

The discount rate reflects the assumption that money received today can be invested and grow, so future lost earnings are worth somewhat less in present-day dollars, and a higher rate shrinks the present value of decades of projected lost income more than a lower one does. Courts and economic experts often debate the appropriate rate extensively in real cases, since even a percentage point or two of difference can shift a present-value estimate by a meaningful amount over a long projection.

Why doesn't this calculator estimate the non-economic damages number for me?

Non-economic damages compensate for loss of companionship, guidance, and emotional support, which depend entirely on the specific relationship, the survivors' ages, and the jurisdiction's own legal standards and any statutory caps — factors no generic formula can weigh accurately. This calculator asks you to supply that figure directly, often based on comparable verdicts or an attorney's assessment, rather than pretending to calculate something inherently case-specific.

What happens if the decedent was already past their expected retirement age?

Working years lost floors at zero in that case, so the calculator won't project any further lost earnings or benefits beyond that point, leaving only funeral costs and non-economic damages in the total. This reflects that projected future lost income specifically addresses working years that would have continued, not damages for an already-retired person's overall life value.

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