FAIR™ · Monte Carlo · N=100,000 · IBM + DBIR + NetDiligence

Your Board Doesn’t Care About Firewalls.They Care About This Number.

Translate security posture into a hard, defensible dollar figure — using actuarial science, not opinions.

015-step assessment02Monte Carlo N=100K03board-ready DOCX
Calculate Financial Exposure

Free · No login · Results in 30 seconds

100,000
Monte Carlo Trials
IBM 2024
Avg Breach Cost
Verizon DBIR
Threat Frequencies
NetDiligence
Cyber Claims Data
Gordon-Loeb
Optimal Spend Model
FAIR™
Risk Framework
Annualized Loss Expectancy · ALE = E[LEF] × E[LM]
$1,245,000
95% CI: $820K – $2.1M · Based on 100K trials
Gordon-Loeb Optimal Spend · z* ≤ S/e
$460,650
Max ROSI = 37% of expected loss
ALE — Annualized Loss Expectancy
PML — Probable Maximum Loss (95th)
GL z* — Gordon-Loeb Optimal Spend

Red-amber-green tells the board nothing. Dollars do.

Heatmaps are lying to your board.

When the CFO asks “What happens to the bottom line if we do nothing?” — answer in dollars, with a confidence interval.

$4.88M
avg breach cost

Know your exact dollar exposure

IBM says the average breach costs $4.88M. But that's an average — your number depends on your industry, data volume, and controls. We calculate yours.

100,000
simulations

Actuarial proof, not opinions

Every estimate is backed by 100,000 Monte Carlo trials using IBM, Verizon DBIR, and NetDiligence cyber claims data. Real actuarial math, not guesswork.

37%
optimal spend cap

Mathematically optimal security budget

The Gordon-Loeb model proves when spending more on security stops making financial sense. We show your exact point of diminishing returns.