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Business Overhead Expense (BOE)
Calculator
Calculator
As a small business owner, your ability to work means everything. Being responsible for your business and everyone who relies on it doesn’t stop just because you do. If you get too sick or hurt to work, what are the monthly expenses you would need to cover to keep the doors open and lights on?
This interactive calculator is a self-help tool for informational purposes only and is not intended to provide financial advice or product recommendations.
The results and explanations generated are based upon, and will vary due to, your input and certain assumptions made by us. The results are not an offer for insurance coverage and all projections are hypothetical in nature. Actual numbers will vary based on factors such as the financial records we receive and our underwriting evaluation. MassMutual will assume no liability for the use of or reliance on this calculator. For a more accurate and detailed analysis specific to your circumstances, we encourage you to contact a qualified financial professional.
The information you enter will not be shared, used for marketing purposes, or identifiable as yours personally.
© 2025 Massachusetts Mutual Life Insurance Company (MassMutual®), Springfield, MA 01111-0001. All rights reserved.
This website uses cookies. By continuing to browse this site, you agree to our use of cookies. Read our Cookie Policy.
The results and explanations generated are based upon, and will vary due to, your input and certain assumptions made by us. The results are not an offer for insurance coverage and all projections are hypothetical in nature. Actual numbers will vary based on factors such as the financial records we receive and our underwriting evaluation. MassMutual will assume no liability for the use of or reliance on this calculator. For a more accurate and detailed analysis specific to your circumstances, we encourage you to contact a qualified financial professional.
The information you enter will not be shared, used for marketing purposes, or identifiable as yours personally.
© 2025 Massachusetts Mutual Life Insurance Company (MassMutual®), Springfield, MA 01111-0001. All rights reserved.
This website uses cookies. By continuing to browse this site, you agree to our use of cookies. Read our Cookie Policy.
The information you enter will not be shared, used for marketing purposes, or identifiable as yours personally.
This interactive calculator is a self-help tool for informational purposes only and is not intended to provide financial advice or product recommendations.
The results and explanations generated are based upon, and will vary due to, your input and certain assumptions made by us. The results are not an offer for insurance coverage and all projections are hypothetical in nature. Actual numbers will vary based on factors such as the financial records we receive and our underwriting evaluation. MassMutual will assume no liability for the use of or reliance on this calculator. For a more accurate and detailed analysis specific to your circumstances, we encourage you to contact a qualified financial professional.
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Your annual business expenses
Use the sliders or enter the annual amount for each business expense type below (if you don’t know the exact amount, you can estimate). If a given expense doesn’t apply to your business, leave it set to $0.
Rent/mortgage includes the cost of rent and/or mortgage interest.
X
This expense should include salaries or total hourly pay, the cost of employee benefits, and payroll taxes, for employees who are not in the same or similar occupation as the business owner.
X
Utilities include what you spend annually on electric, water, sewer, wi-fi, gas, trash, and more.
X
Be sure to include the taxes paid for both buildings and land, if applicable.
X
Professional fees include those paid to your accountant, financial professional, and legal counsel.
X
Include the cost of your property and casualty insurance, and malpractice, if applicable.
X
Include the interest of any outstanding loans.
X
This expense includes equipment leasing, and car or other vehicle rental fees.
X
This category can capture any other expenses specific to your business such as advertising costs, office supplies and computer expenses.
X
50%
Your business and existing coverage
Business Overhead Expense (BOE) insurance helps keep operations running so your company can survive — even in your absence during a qualifying disability.
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100%
Your results
Based on your responses, the remaining monthly business overhead expenses are:
0
Save or share your personalized results.
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Learn more about disability risks and solutions
Connect with a qualified financial professional
We can help build the right strategy for your business, family, and future.
We can help build the right strategy for your business, family, and future.
SVG WRAPPER
The information provided is not written or intended as specific tax or legal advice. MassMutual, its employees, and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.
State variations will apply, and the policies may not be available in all states.
Policies have exclusions and limitations. For costs and complete details of coverage, contact your financial professional or MassMutual at 1-800-272-2216.
Business Overhead Expense insurance policies are issued by Massachusetts Mutual Life Insurance Company, Springfield MA 01111-0001.
State variations will apply, and the policies may not be available in all states.
Policies have exclusions and limitations. For costs and complete details of coverage, contact your financial professional or MassMutual at 1-800-272-2216.
Business Overhead Expense insurance policies are issued by Massachusetts Mutual Life Insurance Company, Springfield MA 01111-0001.
MM202901-314714