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Eligible Own Funds

Calculate the Exact Eligible Own Funds for Solvency Capital Requirement and Exact Eligible Own Funds for Minimum Capital Requirement instantly.

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Exact Eligible Own Funds SCR

€71 300 000

Exact Eligible Own Funds MCR

€104 461 321

1Step 1

SCR Deduction Ratio

SCR Deduction Ratio={0SCR Own Funds Before Deductions≤0100×Total Deductions for SCRSCR Own Funds Before DeductionsSCR Own Funds Before Deductions>0\textit{SCR Deduction Ratio} = \begin{cases}0 & \textit{SCR Own Funds Before Deductions} \le 0 \\ 100 \times \frac{\textit{Total Deductions for SCR}}{\textit{SCR Own Funds Before Deductions}} & \textit{SCR Own Funds Before Deductions} > 0\end{cases}
2Step 2

MCR Deduction Ratio

MCR Deduction Ratio={0MCR Own Funds Before Deductions≤0100×Total Deductions for MCRMCR Own Funds Before DeductionsMCR Own Funds Before Deductions>0\textit{MCR Deduction Ratio} = \begin{cases}0 & \textit{MCR Own Funds Before Deductions} \le 0 \\ 100 \times \frac{\textit{Total Deductions for MCR}}{\textit{MCR Own Funds Before Deductions}} & \textit{MCR Own Funds Before Deductions} > 0\end{cases}
3Step 3

MCR less SCR Eligible Own Funds

MCR less SCR Eligible Own Funds=Exact Eligible Own Funds MCR−Exact Eligible Own Funds SCR\textit{MCR less SCR Eligible Own Funds} = \textit{Exact Eligible Own Funds MCR} - \textit{Exact Eligible Own Funds SCR}
4Step 4

Exact Eligible Own Funds SCR

Exact Eligible Own Funds SCR=max⁡(0,SCR Own Funds Before Deductions−Total Deductions for SCR)\textit{Exact Eligible Own Funds SCR} = \max(0, \textit{SCR Own Funds Before Deductions} - \textit{Total Deductions for SCR})
5Step 5

Exact Eligible Own Funds MCR

Exact Eligible Own Funds MCR=max⁡(0,MCR Own Funds Before Deductions−Total Deductions for MCR)\textit{Exact Eligible Own Funds MCR} = \max(0, \textit{MCR Own Funds Before Deductions} - \textit{Total Deductions for MCR})

Understand the Eligible Own Funds

Overview

This calculator provides the final atomistic Eligible Own Funds output for SCR and MCR after cap and deduction stages in the own-funds chain.[1][2]

Input Terms

  • SCR / MCR Pre-Deduction Own Funds: Cap-compliant amounts from the `own-funds-eligibility-caps` calculator.
  • Total Deductions for SCR / MCR: Deductions from the `own-funds-eligibility-deductions` calculator.

Technical Rationale

The calculator computes exact eligible own funds by subtracting deduction totals from cap-compliant pre-deduction amounts. It publishes exact outputs used by the ratio calculators.

The calculator also reports SCR/MCR deduction ratios and the SCR-to-MCR eligibility gap.

Important Notes

  • Atomistic scope only: Cap logic and deduction logic are separated into dedicated calculators.
  • Downstream use: The exact outputs feed `own-funds-ratio-scr` and `own-funds-ratio-mcr`.
  • Current-rule check: Because the post-2015 Solvency II Delegated Regulation has been amended in areas including own funds, professional use must verify cap, deduction, and eligible-own-funds treatment against the current consolidated rulebook.

Sources

  1. Directive 2009/138/EC - Art. 98 (Eligibility of own funds) - EUR-Lex
  2. Delegated Regulation (EU) 2015/35 - Art. 82 (Eligibility and limits applicable to Tiers 1, 2 and 3) - EIOPA

Default values are illustrative sample inputs for navigation, training, and QA. Replace them with controlled data before using the result in capital analysis, governance, or reporting decisions.