Calculators
Pro rata calculator for insurance premiums
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Calculate earned and unearned insurance premiums by policy dates, showing day counts, factors, and estimated refunds.
ProRataWise is a web-based calculator for insurance professionals and policyholders. It computes straight-line pro rata refunds by dividing the policy-term premium by total covered days to get a daily rate, then multiplying by earned days and subtracting from the total to find the unearned return premium.
The calculator handles real calendar days, including leap years, and shows the complete formula with your own numbers. It offers two cancellation-date options: by default treating the cancellation date as the first day without coverage, or optionally as the last covered day.
The tool provides transparent estimates for educational purposes. It does not apply minimum earned premium floors, cancellation fees, short-rate penalties, taxes, or broker charges—factors that may reduce an actual refund from an insurer.
Pricing model: Free
Divide the policy-term premium by the total number of covered days to get a daily rate, multiply by the days already earned, and subtract from the total premium to find the unearned return premium. The calculator shows the full formula with your own numbers.
Earned premium is the portion of the premium that covers time already passed under the policy. Unearned premium is the portion that covers time still remaining and can be returned when a policy is cancelled mid-term.
No. Pro rata returns premium strictly by the fraction of time remaining. Short rate applies a penalty or retention factor on top of pro rata, so the refund is usually smaller. This calculator only computes straight-line pro rata, not short rate.
Insurers may apply minimum earned premium rules, cancellation fees, short-rate penalties, taxes, or broker charges, and may count days differently. This tool is a straight-line estimate and does not interpret your policy or promise an exact refund.
Yes. Day counts use the actual calendar days in your policy term, so a term that includes February 29 counts 366 days for a full leap year rather than 365.
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