Workers Comp Calculator 2026

Workers Comp Calculator gives injured workers the same math adjusters use internally — instantly, privately, and free. Built on official 2026 statutory formulas across all 50 states and Washington D.C., it turns your wage, injury type, and disability rating into a real settlement range, not a guess.

Whether you're on temporary disability, back on light duty, or staring at a lump-sum offer that feels too low, run this before you negotiate or sign anything.

EVERY BENEFIT TYPE, MODELED CORRECTLY
Most wage calculators stop at your paycheck. This one models every statutory pillar of a real workers compensation claim:
- Temporary Total Disability (TTD) — weekly wage-replacement checks while you're out of work
- Temporary Partial Disability (TPD) — the wage-loss differential when you return to light duty at reduced pay
- Permanent Partial Disability (PPD) — impairment settlement value based on your disability rating at Maximum Medical Improvement (MMI) and Permanent & Stationary (P&S) evaluation
- Permanent Total Disability (PTD) — lifetime wage-loss projection through retirement age (67), capped at your state's statutory week limits
- Medical Care & Surgery Allowances — hospital bills, ongoing treatment, prescriptions, future surgical costs
- Vocational Rehabilitation — state retraining vouchers if you can't return to your former trade

GOT AN OFFER? EVALUATE IT BEFORE YOU SIGN
Enter the dollar amount the insurance company offered for an instant verdict — below range, low, fair, or above maximum — plus the exact dollar and percentage gap versus your calculated value.

TRACK, COMPARE, AND EXPORT YOUR CASE
- Automatic Claim History — every calculation saves privately on your device; reopen and recalculate anytime
- Side-by-Side Scenario Compare — put two saved calculations head-to-head and see how a higher disability rating or added surgery moves your weekly benefit rate, duration, medical allowance, and final payout
- Itemized PDF Settlement Reports — export a clean, shareable breakdown of your inputs, state caps, and benefit math for your attorney, family, or union rep

ALL 50 STATES: 2026 RULES & BENEFIT CAPS
- State Weekly Cap Warnings — instant alert if your earnings exceed your state's maximum weekly cap (CA, IL, MA, TX, GA, FL, NY, and more)
- Statute of Limitations Tracker — countdown banners for strict 1-year filing deadline states, so your claim is never barred
- State Fund Support — built-in handling for state monopoly funds like Washington (L&I) and Ohio (BWC), plus Texas non-subscriber employer rules

KNOW YOUR REAL NET PAYOUT
- Three Settlement Scenarios — Conservative, Most Likely, and Maximum ranges, side by side
- Attorney Fee Calculator — toggle standard contingency rates (15%, 20%, 25%, 33%) to see your true net-to-pocket payout after legal fees

DISCLAIMER
This app does not represent a government entity and is not affiliated with any government agency. It is an independent educational tool.

Statutory benefit caps, wage formulas, and deadlines are compiled from publicly available state and federal government sources:
• U.S. Dept. of Labor: https://www.dol.gov/agencies/owcp/wc
• CA Div. of Workers' Compensation: https://www.dir.ca.gov/dwc
• TX Dept. of Insurance: https://www.tdi.texas.gov/wc
• WA Dept. of Labor & Industries: https://www.lni.wa.gov
• OH Bureau of Workers' Compensation: https://www.bwc.ohio.gov
• FL Div. of Workers' Compensation: https://www.myfloridacfo.com/division/wc
• NY Workers' Compensation Board: https://www.wcb.ny.gov

Recent changes:
Compare saved scenarios side by side, check any settlement offer, and export an itemized PDF report.

- NEW Scenario compare
- NEW Settlement offer checker
- NEW PDF report export
- More accurate state-by-state disability math
- Lifetime unlock: pay once, no ads