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Out Of Pocket Expenditure Share Calculator

Work out out of pocket expenditure share instantly with clear inputs, formula shown and shareable results.

About Out Of Pocket Expenditure Share Calculator

Divides out-of-pocket payments by total health expenditure, the headline indicator of how much financial risk falls directly on households.

Formula

Out-of-pocket share

Share (%) = out-of-pocket spending / total health expenditure x 100

Worked example

With the default values below, Out Of Pocket Expenditure Share Calculator returns Out-of-pocket share of 45.000%. Change any input above and every figure here is recalculated in your browser.

Inputs used

Out-of-pocket health spendingaccepts 0–1,000,000,000
45,000
Total health expenditureaccepts 1–1,000,000,000
100,000

Results

Out-of-pocket share
45.000%
Share from pooled and prepaid sources
55.000%
Pooled and prepaid spending
$55,000.00
Financial protection band
Very high — substantial financial hardship expected

Step by step

  1. 1Values used
  2. 2Out-of-pocket share
  3. 3Out-of-pocket share= 45.000
  4. 4Share from pooled and prepaid sources= 55.000
  5. 5Pooled and prepaid spending= 55,000.00
  6. 6Financial protection band= Very high — substantial financial hardship expected

Assumptions and limits

  • The result is derived only from the 2 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 3 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Frequently Asked Questions

What share is considered safe?

WHO analyses suggest catastrophic spending becomes rare when the out-of-pocket share falls below about 15 to 20%.

Does it include insurance premiums?

No. Premiums are prepaid pooled spending; out-of-pocket means direct payments at the point of use.

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