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<head>

<title>Insurance Consulting Pricing Calculator</title>

<style>

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</style>

</head>

<body>

<h1>Insurance Consulting Pricing Calculator</h1>

<p>Comprehensive pricing strategy for your consulting practice</p>

</div>

<div class="card-header">💰 Financial Targets & Expenses</div>

<label>Target Annual Income (£)</label>

</div>

<label>Existing NED Fee (£/year)</label>

</div>

<label>Existing NED Days (days/year)</label>

</div>

<div class="section-title">Additional Revenue Streams</div>

<label>Additional NEDs</label>

</div>

<label>Additional NED Fee (£/year each)</label>

</div>

<label>Days per Additional NED (days/year)</label>

</div>

<label>Interim Days (days/year)</label>

</div>

<label>Interim Day Rate (£)</label>

</div>

<div class="section-title">Annual Expenses</div>

<label>Insurance (£/year)</label>

</div>

<label>Software (£/year)</label>

</div>

<label>Marketing (£/month)</label>

</div>

<label>Other Expenses (£/year)</label>

</div>

<div class="card-header">📊 Time & Capacity Planning</div>

<label>Holiday Days</label>

</div>

<label>Admin/Business Dev Days</label>

</div>

<label>Target Billable Days (Consulting)</label>

</div>

<label>Target Utilization Rate (%)</label>

</div>

<label>Profit Margin (%)</label>

</div>

<h3>Capacity Breakdown</h3>

<span>Working days/year:</span>

</div>

<span>NED commitments:</span>

</div>

<span>Interim work:</span>

</div>

<span>Holidays:</span>

</div>

<span>Admin/BD:</span>

</div>

<span>Available for consulting:</span>

</div>

<h3>Recommended Day Rate</h3>

<div class="subtext" id="dayRateSubtext">Based on 120 billable days</div>

</div>

<h3>Recommended Hourly Rate</h3>

<div class="subtext">Based on 7.5 hour day</div>

</div>

<h3>Revenue Gap to Fill</h3>

<div class="subtext">From consulting work</div>

</div>

<div class="card-header">📈 Financial Breakdown</div>

<h3>Revenue Target</h3>

<span>Target Income:</span>

</div>

<span>Total Expenses:</span>

</div>

<span id="profitLabel">Profit Margin (15%):</span>

</div>

<span>Total Revenue Needed:</span>

</div>

<h3>Revenue Sources</h3>

</div>

<span>Interim Work:</span>

</div>

<span>Consulting (Target):</span>

</div>

<span>Total Revenue:</span>

</div>

<p></p>

</div>

<div class="card-header">🧮 Project Fee Calculator</div>

<label>Estimated Hours</label>

</div>

<label>Complexity Multiplier</label>

<option value="0.8">Simple (0.8x)</option>

<option value="1" selected>Standard (1x)</option>

<option value="1.2">Complex (1.2x)</option>

<option value="1.5">Highly Complex (1.5x)</option>

<option value="2">Expert/Urgent (2x)</option>

</select>

</div>

<span>Recommended Project Fee:</span>

</div>

</div>

<div class="card-header">📅 Retainer Calculator</div>

<label>Monthly Hours Included</label>

</div>

<span>Standard Rate:</span>

<span id="retainerStandard">£2,000/month</span>

</div>

<span>With 10% Discount:</span>

<span id="retainerDiscounted">£1,800/month</span>

</div>

<div class="help-text">Annual: <span id="retainerAnnual">£21,600</span></div>

<div class="help-text">Effective hourly: <span id="retainerEffective">£180</span></div>

</div>

<p style="font-size: 13px;">⚠️ Retainers provide predictable income and should include a discount for commitment</p>

</div>

<div class="card-header">🎯 Market Comparison & Recommendations</div>

<h4>NED Range</h4>

<div class="status" id="nedStatus">Mid-range</div>

</div>

<h4>Interim Day Rate</h4>

<div class="current">Market standard</div>

</div>

<h4>Your Consulting Rate</h4>

<div class="current">Calculated day rate</div>

<div class="status" id="consultingStatus">Competitive range</div>

</div>

<h4>Strategic Recommendations</h4>

<li>• Consider positioning consulting work at £1,500 per day for easier communication</li>

<li>• For complex projects (market entry, carrier setup), consider value-based pricing at 2-3x your day rate</li>

<li>• Bundle retainers with a 10-15% discount to encourage longer commitments</li>

<li>• Review rates quarterly as you build portfolio and reputation</li>

<li>• Premium services (CEO/CUO interim) should maintain the £2,500/day market standard</li>

</ul>

</div>

function calculate() {

// Get all input values

const targetIncome = parseFloat(document.getElementById('targetIncome').value) || 0;

const existingNEDFee = parseFloat(document.getElementById('existingNEDFee').value) || 0;

const existingNEDDays = parseFloat(document.getElementById('existingNEDDays').value) || 0;

const additionalNEDs = parseFloat(document.getElementById('additionalNEDs').value) || 0;

const additionalNEDFee = parseFloat(document.getElementById('additionalNEDFee').value) || 0;

const additionalNEDDays = parseFloat(document.getElementById('additionalNEDDays').value) || 0;

const interimDays = parseFloat(document.getElementById('interimDays').value) || 0;

const interimDayRate = parseFloat(document.getElementById('interimDayRate').value) || 0;

const insurance = parseFloat(document.getElementById('insurance').value) || 0;

const software = parseFloat(document.getElementById('software').value) || 0;

const marketingMonthly = parseFloat(document.getElementById('marketingMonthly').value) || 0;

const otherExpenses = parseFloat(document.getElementById('otherExpenses').value) || 0;

const holidays = parseFloat(document.getElementById('holidays').value) || 0;

const adminDays = parseFloat(document.getElementById('adminDays').value) || 0;

const billableDaysTarget = parseFloat(document.getElementById('billableDaysTarget').value) || 0;

const targetUtilization = parseFloat(document.getElementById('targetUtilization').value) / 100 || 0;

const profitMargin = parseFloat(document.getElementById('profitMargin').value) / 100 || 0;

// Show/hide conditional fields

document.getElementById('additionalNEDFields').style.display = additionalNEDs > 0 ? 'block' : 'none';

document.getElementById('interimFields').style.display = interimDays > 0 ? 'block' : 'none';

// Calculate total expenses

const totalAnnualExpenses = insurance + software + (marketingMonthly * 12) + otherExpenses;

// Calculate revenue needed

const revenueNeeded = targetIncome + totalAnnualExpenses;

const revenueNeededWithProfit = revenueNeeded / (1 - profitMargin);

// Calculate existing revenue streams

const totalNEDRevenue = existingNEDFee + (additionalNEDs * additionalNEDFee);

const interimRevenue = interimDays * interimDayRate;

const existingRevenue = totalNEDRevenue + interimRevenue;

// Calculate remaining revenue needed

const remainingRevenueNeeded = revenueNeededWithProfit - existingRevenue;

// Calculate available days

const workingDays = 260;

const totalNEDDays = existingNEDDays + (additionalNEDs * additionalNEDDays);

const unavailableDays = holidays + adminDays + totalNEDDays + interimDays;

const availableDaysForConsulting = workingDays - unavailableDays;

const targetBillableDays = Math.min(billableDaysTarget, availableDaysForConsulting * targetUtilization);

// Calculate recommended rates

const recommendedDayRate = remainingRevenueNeeded / targetBillableDays;

const recommendedHourlyRate = recommendedDayRate / 7.5;

// Update capacity breakdown

document.getElementById('workingDays').textContent = `${workingDays} days`;

document.getElementById('totalNEDDays').textContent = `-${totalNEDDays} days`;

document.getElementById('interimDaysDisplay').textContent = `-${interimDays} days`;

document.getElementById('holidaysDisplay').textContent = `-${holidays} days`;

document.getElementById('adminDaysDisplay').textContent = `-${adminDays} days`;

document.getElementById('availableDays').textContent = `${availableDaysForConsulting} days`;

document.getElementById('maxDaysHelp').textContent = `Max available: ${Math.round(availableDaysForConsulting * targetUtilization)} days`;

// Update stat cards

document.getElementById('dayRate').textContent = `£${Math.round(recommendedDayRate).toLocaleString()}`;

document.getElementById('dayRateSubtext').textContent = `Based on ${Math.round(targetBillableDays)} billable days`;

document.getElementById('hourlyRate').textContent = `£${Math.round(recommendedHourlyRate)}`;

document.getElementById('revenueGap').textContent = `£${Math.round(remainingRevenueNeeded).toLocaleString()}`;

// Update financial breakdown

document.getElementById('targetIncomeDisplay').textContent = `£${targetIncome.toLocaleString()}`;

document.getElementById('totalExpensesDisplay').textContent = `£${totalAnnualExpenses.toLocaleString()}`;

document.getElementById('profitLabel').textContent = `Profit Margin (${Math.round(profitMargin * 100)}%):`;

document.getElementById('profitAmount').textContent = `£${Math.round(revenueNeededWithProfit - revenueNeeded).toLocaleString()}`;

document.getElementById('totalRevenueNeeded').textContent = `£${Math.round(revenueNeededWithProfit).toLocaleString()}`;

document.getElementById('nedRevenue').textContent = `£${totalNEDRevenue.toLocaleString()}`;

document.getElementById('interimRevenue').textContent = `£${interimRevenue.toLocaleString()}`;

document.getElementById('consultingRevenue').textContent = `£${Math.round(remainingRevenueNeeded).toLocaleString()}`;

document.getElementById('totalRevenue').textContent = `£${Math.round(existingRevenue + remainingRevenueNeeded).toLocaleString()}`;

// Show surplus alert if applicable

const surplusAlert = document.getElementById('surplusAlert');

if (remainingRevenueNeeded < 0) {

surplusAlert.style.display = 'block';

surplusAlert.querySelector('p').textContent = `✓ Your existing revenue streams exceed your target! You have £${Math.abs(Math.round(remainingRevenueNeeded)).toLocaleString()} surplus.`;

} else {

surplusAlert.style.display = 'none';

}

// Update project calculator

const projectHours = parseFloat(document.getElementById('projectHours').value) || 0;

const projectComplexity = parseFloat(document.getElementById('projectComplexity').value) || 1;

const projectFee = projectHours * recommendedHourlyRate * projectComplexity;

document.getElementById('projectFee').textContent = `£${Math.round(projectFee).toLocaleString()}`;

document.getElementById('projectCalc').textContent = `${projectHours} hours × £${Math.round(recommendedHourlyRate)} × ${projectComplexity}`;

// Update retainer calculator

const retainerHours = parseFloat(document.getElementById('retainerHours').value) || 0;

const retainerMonthlyFee = retainerHours * recommendedHourlyRate;

const retainerDiscountedFee = retainerMonthlyFee * 0.9;

document.getElementById('retainerStandard').textContent = `£${Math.round(retainerMonthlyFee).toLocaleString()}/month`;

document.getElementById('retainerDiscounted').textContent = `£${Math.round(retainerDiscountedFee).toLocaleString()}/month`;

document.getElementById('retainerAnnual').textContent = `£${Math.round(retainerDiscountedFee * 12).toLocaleString()}`;

document.getElementById('retainerEffective').textContent = `£${Math.round(retainerDiscountedFee / retainerHours)}`;

// Update market comparison

document.getElementById('yourNEDRate').textContent = `£${existingNEDFee.toLocaleString()}`;

let nedStatus = 'Mid-range';

if (existingNEDFee < 45000) nedStatus = 'Below mid-range';

if (existingNEDFee > 80000) nedStatus = 'Premium range';

document.getElementById('nedStatus').textContent = nedStatus;

document.getElementById('yourConsultingRate').textContent = `£${Math.round(recommendedDayRate).toLocaleString()}`;

let consultingStatus = 'Competitive range';

if (recommendedDayRate < 2000) consultingStatus = 'Lower than interim';

if (recommendedDayRate > 3000) consultingStatus = 'Premium positioning';

document.getElementById('consultingStatus').textContent = consultingStatus;

// Update recommendations

const recommendations = [

`• Consider positioning consulting work at £${Math.round(recommendedDayRate/100)*100} per day for easier communication`,

`• For complex projects (market entry, carrier setup), consider value-based pricing at 2-3x your day rate`,

`• Bundle retainers with a 10-15% discount to encourage longer commitments`,

`• Review rates quarterly as you build portfolio and reputation`,

`• Premium services (CEO/CUO interim) should maintain the £2,500/day market standard`

];

if (availableDaysForConsulting < billableDaysTarget) {

recommendations.push(`⚠ Warning: You may not have enough available days to meet your billable target. Consider reducing NED commitments or adjusting your target.`);

}

document.getElementById('recommendationsList').innerHTML = recommendations.map(r => `<li>${r}</li>`).join('');

}

// Add event listeners to all inputs

const inputs = document.querySelectorAll('input, select');

inputs.forEach(input => {

input.addEventListener('input', calculate);

});

// Initial calculation

calculate();

</script>

</body>

</html>