OpenChainGraph Suite · ART-180 · Insurance, Actuarial & Prudential

Solvency II SCR/MCR Ratio Calculator

Calculate Solvency II SCR and MCR coverage ratios, Tier-1/Tier-2/Tier-3 own-funds eligibility limits (EU Delegated Regulation 2015/35), and capital adequacy compliance flags. Root node of the solvency-ii-reconciliation-and-capital chain. §16 proof candidate. Zero network.

Solvency II SCR / MCR Del. Reg. 2015/35 Zero PII §16 Proof Candidate W3C VC §13.11 v0.5.0
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Scope
Root node of solvency-ii-reconciliation-and-capital chain (art-180→181→182). Solvency II Directive art. 100–101 + Del. Reg. 2015/35 art. 82: own-funds SCR tiering limits — Tier 1 at least 50% of SCR (82(1)(a)), Tier 3 less than 15% of SCR (82(1)(b)), Tier 2 plus Tier 3 at most 50% of SCR (82(1)(c)), restricted Tier 1 less than 20% of total Tier 1 (82(3)). SCR coverage ratio must be ≥100%; MCR coverage ratio must be ≥100%. Not modelled: the MCR tiering limits (the 80% Tier 1 floor is the Art. 82(2) MCR rule) and the transitional Tier 1 items. Optimal Tier-1 unrestricted buffer target ≥150% SCR per EIOPA supervisory guidance.
Presets
Own Funds & Capital Requirements (€M or local currency)
Total eligible own funds (sum of all tiers, subject to limits).
Own Funds Tier Breakdown
Counts toward the Tier 1 total: at least 50% of SCR.
Less than 20% of total Tier 1.
Tier 2 + Tier 3 at most 50% of SCR. Omitted means 0.
Less than 15% of SCR.
Capital Adequacy Results







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `calculate_solvency2_scr_ratio`. Task: Calculate Solvency II SCR/MCR coverage ratios and own-funds SCR tiering compliance.
Call it with arguments: {"policy_parameters":{"capital":{"eligible_own_funds":1500,"tier1_unrestricted":850,"tier1_restricted":150,"tier2":400,"tier3":100,"scr":1000,"mcr":250}}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-180-solvency2-scr-ratio-calculator.html#p=v1.H4sIAAAAAAAA_wGEAHv_eyJjYXBpdGFsIjp7ImVsaWdpYmxlX293bl9mdW5kcyI6MTUwMCwidGllcjFfdW5yZXN0cmljdGVkIjo4NTAsInRpZXIxX3Jlc3RyaWN0ZWQiOjE1MCwidGllcjIiOjQwMCwidGllcjMiOjEwMCwic2NyIjoxMDAwLCJtY3IiOjI1MH191nTT6IQAAAA