---
title: "Claims STP Economics Calculator"
method: POST
path: "/v1/tools/calculate_claims_stp_economics"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Claims STP Economics Calculator

`POST /v1/tools/calculate_claims_stp_economics`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/calculate_claims_stp_economics`
- Auth: none declared

Computes the financial business case for insurance claims Straight-Through Processing (STP) automation. Models handling cost reduction from current to target STP rates, leakage delta (change in claim payment leakage from automated vs manual handling), net annual benefit, NPV over a configurable projection horizon, IRR, and per-claim cost reduction. Covers industry benchmarks from McKinsey Insurance 2024, Accenture Claims Transformation 2025, and Majesco Claims Technology Survey 2024. Use in insurer-rbc-action-level chain (downstream when capital below 200% ACL triggers corrective action). ZERO PII: aggregate portfolio metrics only.

**Tool URL:** https://ainumbers.co/chaingraph/art-257-calculate-claims-stp-economics.html

## Request body

- object
  - `annual_claims_volume` unknown, required
  - `annual_license_cost` unknown, required
  - `automated_handling_cost` unknown, required
  - `average_claim_payment` unknown, required
  - `current_stp_rate_pct` unknown, required
  - `discount_rate_pct` unknown, required
  - `implementation_cost` unknown, required
  - `leakage_rate_manual_pct` unknown, required
  - `leakage_rate_stp_pct` unknown, required
  - `manual_handling_cost` unknown, required
  - `projection_years` unknown, required
  - `target_stp_rate_pct` unknown, required

## Response `200`

Successful tool execution result

- object
  - `annual_cashflows` object[]
    - `cashflow` integer
    - `discounted_cashflow` number
    - `year` integer
  - `annual_handling_savings` integer
  - `cost_reduction_pct` number
  - `cost_reduction_per_claim` number
  - `current_annual_cost` integer
  - `current_avg_cost_per_claim` integer
  - `current_manual_claims` integer
  - `current_stp_claims` integer
  - `discount_rate_pct` integer
  - `irr_pct` number
  - `leakage_increase` integer
  - `leakage_reduction` integer
  - `net_annual_benefit` integer
  - `net_leakage_impact` integer
  - `not_legal_advice` string
  - `npv` number
  - `payback_years` number
  - `pii_note` string
  - `projection_years` integer
  - `regulatory_basis` string
  - `stp_rate_improvement_ppt` integer
  - `table_source` string
  - `table_version` string
  - `target_annual_cost` integer
  - `target_avg_cost_per_claim` number
  - `target_manual_claims` integer
  - `target_stp_claims` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)