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fin.loss-development-factor Calculator
Calculates loss development factors (LDFs) from incremental claims data to project ultimate loss reserves. Loss development triangles are the core actuarial tool for estimating IBNR (Incurred But Not Reported) claims — chain-ladder is the standard method.
Inputs
Claims At 12 Months
Reference formula or conversion factor shown for context.
Claims At 24 Months
Reference formula or conversion factor shown for context.
Claims At 36 Months
Reference formula or conversion factor shown for context.
Claims At 48 Months
Reference formula or conversion factor shown for context.
Results
LDF 12-to-24 months
The result expressed in months. Divide by 12 to convert to years.
LDF 24-to-36 months
The result expressed in months. Divide by 12 to convert to years.
LDF 36-to-48 months
The result expressed in months. Divide by 12 to convert to years.
cumulative development factor (CDF)
A dimensionless multiplier applied in the calculation.