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Cyber Breach Cost Calculator

Cyber breaches expensive — notification + legal + remediation + reputation.

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Total breach cost

$1,600,000

Record cost

$900,000

Other costs

$700,000

How the math works

Record cost = records × cost/record. Other = legal + IT + reputation.

5k × $180 = $900k records + $300k legal + $150k IT + $250k rep = $1.6M total.

How to Use

  1. Enter records affected.
  2. Enter cost per record.
  3. Enter legal costs.
  4. Enter remediation.
  5. Enter reputation damage.
  6. Read total breach cost.

Frequently Asked Questions

IBM breach study?

Average cost per record breached: $164 (2023). Healthcare highest at $408/record. Financial services $255. Real estate moderate $140-200. Large-scale breach: $4-8M average total cost. Some reach $50M+.

Cost categories?

Notification (legal + mailing): $10-30/record. Credit monitoring: $5-15/record × 2 years. Legal (investigation, class action): $500k-5M. Remediation (IT): $200k-2M. Reputation: difficult to quantify.

Cyber insurance?

Most cyber policies cap coverage $1-25M. Covers notification, legal, IT remediation. Typically excludes reputation damage. 70-85% of major breaches covered by insurance. Balance: out-of-pocket costs + self-insured retention.

How often should I rerun this?

Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.

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