Insurance + EV calculator
Is your kit profitable in expectation? Plug in kit cost, expected loot per extract, your real survival rate, and the mode's insurance terms. Returns net EV per raid plus the breakeven survival rate — the survival rate at which you stop losing money.
model
netEv = pSurv × loot − (1−pSurv) × kit × (1−insurance) − entryFee. Breakeven solves netEv = 0 for pSurv. Insurance recovery is mode convention — Normal 60%, Lockdown 35%, Forbidden 0%. Loot value depends on map + zone — check /maps for the live expected-loot estimates per hot zone.