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Crop Insurance Stack Calculator
Educational estimates of what each layer costs, when it pays, and how stacking changes your protection — to review with your crop insurance agent.
MPCI Base Policy
RP, RP-HPE, and YP across coverage levels from 50% to 85%. Estimated premiums from the rates you enter, using RMA's 2026-and-later subsidy table, plus indemnity scenarios.
SCO Coverage
County-based coverage from 90% down to your MPCI level under 2027 rules (86% under 2026), available with either ARC or PLC. Estimated premium with 80% subsidy and payout scenarios.
ECO Coverage
95% down to 90% under 2027 rules, with 2026 rules included. Estimated premium with 80% subsidy and payout scenarios.
Full Stack Comparison
Premium summary across all layers and a 9-row scenario matrix: MPCI only, +SCO, +SCO+ECO, and MPCI+ECO.
Farm vs County Scenarios
Enter your farm's and the county's results separately — local hail, a county loss, or a price rally — and see estimated MPCI, SCO and ECO payments for each.
Looking for someone to manage your spreadsheets and keep your numbers up to date?
We offer an ongoing management service - we'll maintain your financial models, update your data, and keep everything organized and decision-ready so you can focus on running your operation.