---
title: "NAIC Risk-Based Capital (RBC) Ratio Calculator"
method: POST
path: "/v1/tools/calculate_naic_rbc_ratio"
tags: ["NAIC", "RBC", "risk-based-capital", "ACL", "authorized-control-level", "P&C", "property-casualty", "insurance-regulation", "Model-Act-312", "covariance", "solvency", "Zero-PII"]
---

# NAIC Risk-Based Capital (RBC) Ratio Calculator

`POST /v1/tools/calculate_naic_rbc_ratio`

## Request

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

Calculate a simplified NAIC Risk-Based Capital (RBC) ratio for a US property/casualty insurer using standard formula components R0–R5, the covariance square-root aggregation, Authorized Control Level RBC, and the four NAIC action level thresholds (CAL/RAL/ACL/MCL). Simplified standard formula — indicative. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/457-naic-rbc-calculator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `surplus` number, required
  - `admittedDebt` number, required
  - `capAdj` number
  - `r0Base` number
  - `r1Base` number, required
  - `r1Rate` number, required
  - `r2Base` number
  - `r3Base` number
  - `r3Rate` number
  - `r4Base` number, required
  - `r5Base` number, required
  - `lineSelect` string, required

## Response `200`

Successful tool execution result

- object
  - `rbc_ratio_pct` number: RBC ratio (%)
  - `authorized_control_level_rbc` number: Authorized Control Level RBC (USD M)
  - `rbc_after_covariance` number: RBC after covariance adjustment (USD M)
  - `rbc_before_covariance` number: Sum of R0–R5 charges before covariance (USD M)
  - `total_adjusted_capital` number: Total Adjusted Capital (USD M)
  - `action_level` 'NONE' | 'CAL' | 'RAL' | 'ACL' | 'MCL'

---

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