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Claims & Compensation2 min check
Loss of Earnings Calculator
Step 1 of 10%
How it works
We multiply your net weekly earnings by your time off, then deduct any contractual or statutory sick pay you actually received (so you're not double-recovering). Self-employed claims use 12-month average net profit from accounts/SA302.
Worked example
Net weekly earnings £550, 12 weeks off, employer sick pay £1,200 received → Loss = (£550 × 12) − £1,200 = £5,400 claim.
Who should use this
- •Employees off work due to injury
- •Self-employed with provable lost income
- •Anyone with bonus/overtime/commission lost as a direct result
Common mistakes
- ×Claiming gross earnings (only net is recoverable)
- ×Forgetting to deduct sick pay actually received
- ×Not getting an SA302 / payslips to evidence pre-injury earnings
- ×Missing future loss claims for permanent reduced earning capacity
Frequently asked questions
Can I claim if I'm self-employed?▾
Yes — based on average pre-injury net profit from your last 1–3 years' accounts.
What about lost bonuses?▾
Yes if reasonably foreseeable based on past performance and contractual entitlement.
Do benefits affect my claim?▾
Yes — DWP recovers Universal Credit, ESA and similar from the at-fault party under the CRU scheme. Doesn't reduce your damages, but the insurer pays DWP separately.