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What this calculator does
Small claims court has filing fees and requires time off work. This calculator estimates the expected return versus the cost.
The math
Total cost = filing fee + hours off work × hourly wage. Expected return = amount owed × win probability. Net ROI = expected return − total cost.
Worked example
A $1,000 owed debt with a $75 filing fee, 4 hours off at $20/hour, and 70% win probability has an expected return of $700 minus $155 cost, or $545 net.
Why this matters
Legal and medical bills are stressful and opaque. This calculator gives you a starting number and a concrete next question to ask.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Can I collect if I win?
Winning is only half the battle. Collecting from someone with no assets can be hard.
Should I hire a lawyer?
Small claims is designed for self-representation, but a lawyer can help with complex cases.