Calculate your result
Use figures from the same period and currency. Avoid mixing estimates with verified amounts without noting the difference.
Privacy: This calculation runs in your browser. The figures you enter are not submitted to our server.
Why this matters
Unsupported transfers create more than the original loss. Fees, uncertain recovery, customer claims and continued access can increase exposure after the first incident. The calculator supports the decision about the estimated amount still at risk after documented recoveries and a conservative recovery assumption. Mobile-money operations can appear balanced in total while a specific cash, float, staff or transaction account remains exposed.
Use the full unsupported transfer list, related fees, amounts already recovered, written recovery evidence and access logs. Preserve the original evidence before adjustments, and keep physical cash, each provider wallet and other custodial balances separate. Mobile-money guidance is an internal-control diagnostic. It emphasizes separate custody accounts, independent evidence, percentage-based materiality and prompt exception handling. Materiality is measured as a percentage of relevant value or activity so a currency denomination does not determine urgency.
How to act on the result
- Revoke unnecessary access and preserve records immediately
- Separate confirmed recovery from promises or expected deductions
- Document authorization rules and require independent approval for sensitive transfers
Use the result as the start of an exception workflow: recount, reconcile, identify evidence, assign ownership, approve any correction independently and record closure. A surplus is also unresolved until supported; it may represent an omitted customer liability or posting error rather than business income.
Common mistakes and limits
Watch for assuming payroll deductions are automatically lawful, counting unverified promises as recovery, deleting evidence and allowing suspected access to remain active. This tool does not prove theft, fraud or employee liability and does not replace provider statements, employment procedures, local regulation or a formal investigation. Fraud, theft or unauthorized deductions raise legal and employment issues; obtain qualified local advice and follow provider and law-enforcement procedures where applicable.
Decision record: Before acting, save the input date, source documents, person responsible and next review date. This makes the result auditable and prevents an estimate from being repeated later as if it were verified fact.
What this calculator answers
What is the immediate financial exposure from unsupported transfers?
Formula and assumptions
Remaining exposure = unsupported transfers + fees − amount already recovered. Expected additional recovery = remaining exposure × expected additional recovery %. Expected loss exposure = remaining exposure − expected additional recovery.
The result is an estimate. It is only as reliable as the inputs, and it does not account for every tax, legal, financing or operational consequence.
Worked-example method
Use the prefilled sample values, calculate once, then replace every input with numbers from your records. The result will show a risk level, key measurements and one recommended next move.
How to interpret the result
- Low: no immediate gap or the entered position is comparatively protected.
- Medium: manageable pressure exists, but it should receive a dated correction plan.
- High: the problem can materially damage cash or operations and requires near-term action.
- Critical: the entered assumptions indicate immediate loss, shortage or survival risk.
Authoritative references
Sources provide general business and operational context. The formula and result are decision-support estimates created by Business Rescue Tools.
Frequently asked questions
What does this calculator tell me?
What is the immediate financial exposure from unsupported transfers?
How is the result calculated?
Remaining exposure = unsupported transfers + fees − amount already recovered. Expected additional recovery = remaining exposure × expected additional recovery %. Expected loss exposure = remaining exposure − expected additional recovery.
Should I make a major decision from this result alone?
No. Use the result to identify and quantify a problem, then verify the underlying records, assumptions and local legal or accounting requirements.
Does the site store the figures I enter?
This browser-based calculator runs in your browser and does not submit the figures to our server.