AML/KYC Compliance Calculator
Help businesses understand the true cost of AML/KYC compliance with an interactive calculator. This template assists compliance consultants and legal firms in providing instant estimates for customer due diligence programs, transaction monitoring systems, staff training, and ongoing compliance maintenance. Clients who understand compliance costs can better budget for regulatory requirements. Capture qualified leads from businesses seeking compliance solutions. Fully customizable to match your firm's service offerings.
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export function amlKycComplianceCalculator(form: FormTs) {
// Business type base complexity
const businessComplexity: Record<string, number> = {
'bank': 1.5,
'credit-union': 1.2,
'fintech': 1.3,
'crypto': 1.6,
'msb': 1.4,
'insurance': 1.1,
'broker-dealer': 1.4,
'investment-advisor': 1.2,
'payment-processor': 1.3,
'other': 1.0
};
// Customer volume tiers (monthly)
const volumePricing: Record<string, { setup: number; perCustomer: number }> = {
'small': { setup: 5000, perCustomer: 2.50 },
'medium': { setup: 15000, perCustomer: 1.75 },
'large': { setup: 35000, perCustomer: 1.25 },
'enterprise': { setup: 75000, perCustomer: 0.85 }
};
// Risk level multipliers
const riskMultipliers: Record<string, number> = {
'low': 0.8,
'moderate': 1.0,
'high': 1.4,
'very-high': 1.8
};
form.addRow(row => {
row.addTextPanel('header', {
computedValue: () => 'AML/KYC Compliance Cost Calculator',
customStyles: { 'font-size': '1.5rem', 'font-weight': '600', 'color': '#1e293b' }
});
});
form.addSpacer({ height: 20 });
// Business Profile Section
const businessSection = form.addSubform('businessProfile', { title: '🏢 Business Profile' });
businessSection.addRow(row => {
row.addDropdown('businessType', {
label: 'Business Type',
options: [
{ id: 'bank', name: 'Bank / Credit Institution' },
{ id: 'credit-union', name: 'Credit Union' },
{ id: 'fintech', name: 'Fintech Company' },
{ id: 'crypto', name: 'Cryptocurrency / Digital Assets' },
{ id: 'msb', name: 'Money Services Business (MSB)' },
{ id: 'insurance', name: 'Insurance Company' },
{ id: 'broker-dealer', name: 'Broker-Dealer' },
{ id: 'investment-advisor', name: 'Investment Advisor' },
{ id: 'payment-processor', name: 'Payment Processor' },
{ id: 'other', name: 'Other Regulated Entity' }
],
defaultValue: 'fintech',
isRequired: true
}, '1fr');
row.addDropdown('customerVolume', {
label: 'Monthly Customer Volume',
options: [
{ id: 'small', name: 'Small (under 1,000 customers)' },
{ id: 'medium', name: 'Medium (1,000 - 10,000 customers)' },
{ id: 'large', name: 'Large (10,000 - 100,000 customers)' },
{ id: 'enterprise', name: 'Enterprise (100,000+ customers)' }
],
defaultValue: 'medium',
isRequired: true
}, '1fr');
});
businessSection.addRow(row => {
row.addDropdown('riskLevel', {
label: 'Business Risk Level',
options: [
{ id: 'low', name: 'Low Risk' },
{ id: 'moderate', name: 'Moderate Risk' },
{ id: 'high', name: 'High Risk' },
{ id: 'very-high', name: 'Very High Risk (PEPs, high-risk jurisdictions)' }
],
defaultValue: 'moderate',
isRequired: true
}, '1fr');
row.addDropdown('jurisdiction', {
label: 'Primary Jurisdiction',
options: [
{ id: 'us', name: 'United States' },
{ id: 'eu', name: 'European Union' },
{ id: 'uk', name: 'United Kingdom' },
{ id: 'multi', name: 'Multi-jurisdiction' },
{ id: 'other', name: 'Other' }
],
defaultValue: 'us',
isRequired: true
}, '1fr');
});
// KYC Services Section
const kycSection = form.addSubform('kycServices', { title: '👤 KYC Services' });
kycSection.addRow(row => {
row.addDropdown('kycLevel', {
label: 'KYC Verification Level',
options: [
{ id: 'basic', name: 'Basic (ID verification only)' },
{ id: 'standard', name: 'Standard (ID + address + sanctions)' },
{ id: 'enhanced', name: 'Enhanced Due Diligence (EDD)' },
{ id: 'comprehensive', name: 'Comprehensive (EDD + ongoing monitoring)' }
],
defaultValue: 'standard',
isRequired: true
}, '1fr');
row.addInteger('monthlyVerifications', {
label: 'Expected Monthly Verifications',
min: 10,
max: 1000000,
defaultValue: 500
}, '1fr');
});
kycSection.addRow(row => {
row.addCheckbox('documentVerification', {
label: 'Document verification (ID, passport)',
defaultValue: true
}, '1fr');
row.addCheckbox('biometricVerification', {
label: 'Biometric verification (facial recognition)',
defaultValue: false
}, '1fr');
});
kycSection.addRow(row => {
row.addCheckbox('pepScreening', {
label: 'PEP screening (Politically Exposed Persons)',
defaultValue: true
}, '1fr');
row.addCheckbox('sanctionsScreening', {
label: 'Sanctions & watchlist screening',
defaultValue: true
}, '1fr');
});
kycSection.addRow(row => {
row.addCheckbox('adverseMedia', {
label: 'Adverse media monitoring',
defaultValue: false
}, '1fr');
row.addCheckbox('businessVerification', {
label: 'Business/corporate verification (KYB)',
defaultValue: false
}, '1fr');
});
// AML Services Section
const amlSection = form.addSubform('amlServices', { title: '🔍 AML Services' });
amlSection.addRow(row => {
row.addCheckbox('transactionMonitoring', {
label: 'Transaction monitoring system',
defaultValue: true
}, '1fr');
row.addCheckbox('sarFiling', {
label: 'SAR/STR filing support',
defaultValue: true
}, '1fr');
});
amlSection.addRow(row => {
row.addCheckbox('riskAssessment', {
label: 'Risk assessment framework',
defaultValue: true
}, '1fr');
row.addCheckbox('caseManagement', {
label: 'Case management system',
defaultValue: false
}, '1fr');
});
amlSection.addRow(row => {
row.addDropdown('transactionVolume', {
label: 'Monthly Transaction Volume',
options: [
{ id: 'low', name: 'Low (under 10,000)' },
{ id: 'medium', name: 'Medium (10,000 - 100,000)' },
{ id: 'high', name: 'High (100,000 - 1 million)' },
{ id: 'very-high', name: 'Very High (1 million+)' }
],
defaultValue: 'medium',
isVisible: () => amlSection.checkbox('transactionMonitoring')?.value() === true
}, '1fr');
});
// Training & Compliance Section
const trainingSection = form.addSubform('training', { title: '📚 Training & Compliance' });
trainingSection.addRow(row => {
row.addCheckbox('staffTraining', {
label: 'Staff AML/KYC training program',
defaultValue: true
}, '1fr');
row.addCheckbox('policyDevelopment', {
label: 'Policy & procedure development',
defaultValue: true
}, '1fr');
});
trainingSection.addRow(row => {
row.addCheckbox('auditPreparation', {
label: 'Regulatory audit preparation',
defaultValue: false
}, '1fr');
row.addCheckbox('complianceOfficer', {
label: 'Outsourced Compliance Officer',
defaultValue: false
}, '1fr');
});
trainingSection.addRow(row => {
row.addInteger('employeeCount', {
label: 'Number of Employees to Train',
min: 1,
max: 10000,
defaultValue: 10,
isVisible: () => trainingSection.checkbox('staffTraining')?.value() === true
}, '1fr');
});
form.addSpacer({ height: 20, showLine: true, lineStyle: 'dashed' });
// Cost Summary Section
const summarySection = form.addSubform('summary', { title: '📊 Cost Breakdown', isCollapsible: false });
summarySection.addRow(row => {
row.addPriceDisplay('setupCost', {
label: 'Initial Setup Cost',
computedValue: () => {
const volume = businessSection.dropdown('customerVolume')?.value() || 'medium';
const businessType = businessSection.dropdown('businessType')?.value() || 'fintech';
const risk = businessSection.dropdown('riskLevel')?.value() || 'moderate';
const jurisdiction = businessSection.dropdown('jurisdiction')?.value() || 'us';
let baseCost = volumePricing[volume]?.setup || 15000;
baseCost *= businessComplexity[businessType] || 1;
baseCost *= riskMultipliers[risk] || 1;
if (jurisdiction === 'multi') baseCost *= 1.5;
// KYC additions
if (kycSection.checkbox('biometricVerification')?.value()) baseCost += 5000;
if (kycSection.checkbox('businessVerification')?.value()) baseCost += 3000;
// AML additions
if (amlSection.checkbox('transactionMonitoring')?.value()) baseCost += 10000;
if (amlSection.checkbox('caseManagement')?.value()) baseCost += 5000;
// Training & compliance
if (trainingSection.checkbox('policyDevelopment')?.value()) baseCost += 5000;
if (trainingSection.checkbox('auditPreparation')?.value()) baseCost += 3000;
return Math.round(baseCost);
},
variant: 'default'
}, '1fr');
row.addPriceDisplay('monthlySoftware', {
label: 'Monthly Software/Tools',
computedValue: () => {
const volume = businessSection.dropdown('customerVolume')?.value() || 'medium';
const kycLevel = kycSection.dropdown('kycLevel')?.value() || 'standard';
const monthlyVerifications = kycSection.integer('monthlyVerifications')?.value() || 500;
let baseCost = 500;
// KYC level costs
const kycCosts: Record<string, number> = {
'basic': 300,
'standard': 600,
'enhanced': 1200,
'comprehensive': 2000
};
baseCost += kycCosts[kycLevel] || 600;
// Per-verification costs
const perVerification = volumePricing[volume]?.perCustomer || 1.75;
baseCost += monthlyVerifications * perVerification;
// Feature additions
if (kycSection.checkbox('biometricVerification')?.value()) baseCost += 500;
if (kycSection.checkbox('adverseMedia')?.value()) baseCost += 400;
if (amlSection.checkbox('transactionMonitoring')?.value()) baseCost += 1500;
if (amlSection.checkbox('caseManagement')?.value()) baseCost += 800;
return Math.round(baseCost);
},
variant: 'default',
suffix: '/month'
}, '1fr');
});
summarySection.addRow(row => {
row.addPriceDisplay('monthlyServices', {
label: 'Monthly Professional Services',
computedValue: () => {
let cost = 0;
if (trainingSection.checkbox('complianceOfficer')?.value()) cost += 3000;
if (amlSection.checkbox('sarFiling')?.value()) cost += 500;
const employeeCount = trainingSection.integer('employeeCount')?.value() || 10;
if (trainingSection.checkbox('staffTraining')?.value()) {
cost += Math.ceil(employeeCount / 10) * 200; // Ongoing training
}
return cost;
},
variant: 'default',
suffix: '/month'
}, '1fr');
row.addPriceDisplay('annualAudit', {
label: 'Annual Audit/Review',
computedValue: () => {
const volume = businessSection.dropdown('customerVolume')?.value() || 'medium';
const risk = businessSection.dropdown('riskLevel')?.value() || 'moderate';
const baseAudit: Record<string, number> = {
'small': 5000,
'medium': 10000,
'large': 20000,
'enterprise': 40000
};
let cost = baseAudit[volume] || 10000;
cost *= riskMultipliers[risk] || 1;
if (trainingSection.checkbox('auditPreparation')?.value()) cost *= 0.8; // Discount with prep
return Math.round(cost);
},
variant: 'default',
suffix: '/year'
}, '1fr');
});
const finalSection = form.addSubform('final', {
title: '💰 Total Cost Estimate',
isCollapsible: false,
sticky: 'bottom'
});
finalSection.addRow(row => {
row.addPriceDisplay('firstYearCost', {
label: 'First Year Total',
computedValue: () => {
const volume = businessSection.dropdown('customerVolume')?.value() || 'medium';
const businessType = businessSection.dropdown('businessType')?.value() || 'fintech';
const risk = businessSection.dropdown('riskLevel')?.value() || 'moderate';
const jurisdiction = businessSection.dropdown('jurisdiction')?.value() || 'us';
const kycLevel = kycSection.dropdown('kycLevel')?.value() || 'standard';
const monthlyVerifications = kycSection.integer('monthlyVerifications')?.value() || 500;
// Setup cost
let setupCost = volumePricing[volume]?.setup || 15000;
setupCost *= businessComplexity[businessType] || 1;
setupCost *= riskMultipliers[risk] || 1;
if (jurisdiction === 'multi') setupCost *= 1.5;
if (kycSection.checkbox('biometricVerification')?.value()) setupCost += 5000;
if (kycSection.checkbox('businessVerification')?.value()) setupCost += 3000;
if (amlSection.checkbox('transactionMonitoring')?.value()) setupCost += 10000;
if (amlSection.checkbox('caseManagement')?.value()) setupCost += 5000;
if (trainingSection.checkbox('policyDevelopment')?.value()) setupCost += 5000;
if (trainingSection.checkbox('auditPreparation')?.value()) setupCost += 3000;
// Monthly software
let monthlySoftware = 500;
const kycCosts: Record<string, number> = { 'basic': 300, 'standard': 600, 'enhanced': 1200, 'comprehensive': 2000 };
monthlySoftware += kycCosts[kycLevel] || 600;
monthlySoftware += monthlyVerifications * (volumePricing[volume]?.perCustomer || 1.75);
if (kycSection.checkbox('biometricVerification')?.value()) monthlySoftware += 500;
if (kycSection.checkbox('adverseMedia')?.value()) monthlySoftware += 400;
if (amlSection.checkbox('transactionMonitoring')?.value()) monthlySoftware += 1500;
if (amlSection.checkbox('caseManagement')?.value()) monthlySoftware += 800;
// Monthly services
let monthlyServices = 0;
if (trainingSection.checkbox('complianceOfficer')?.value()) monthlyServices += 3000;
if (amlSection.checkbox('sarFiling')?.value()) monthlyServices += 500;
const employeeCount = trainingSection.integer('employeeCount')?.value() || 10;
if (trainingSection.checkbox('staffTraining')?.value()) {
monthlyServices += Math.ceil(employeeCount / 10) * 200;
}
// Annual audit
const baseAudit: Record<string, number> = { 'small': 5000, 'medium': 10000, 'large': 20000, 'enterprise': 40000 };
let annualAudit = baseAudit[volume] || 10000;
annualAudit *= riskMultipliers[risk] || 1;
if (trainingSection.checkbox('auditPreparation')?.value()) annualAudit *= 0.8;
return Math.round(setupCost + (monthlySoftware * 12) + (monthlyServices * 12) + annualAudit);
},
variant: 'large'
}, '1fr');
row.addPriceDisplay('ongoingAnnual', {
label: 'Ongoing Annual Cost',
computedValue: () => {
const volume = businessSection.dropdown('customerVolume')?.value() || 'medium';
const risk = businessSection.dropdown('riskLevel')?.value() || 'moderate';
const kycLevel = kycSection.dropdown('kycLevel')?.value() || 'standard';
const monthlyVerifications = kycSection.integer('monthlyVerifications')?.value() || 500;
// Monthly software
let monthlySoftware = 500;
const kycCosts: Record<string, number> = { 'basic': 300, 'standard': 600, 'enhanced': 1200, 'comprehensive': 2000 };
monthlySoftware += kycCosts[kycLevel] || 600;
monthlySoftware += monthlyVerifications * (volumePricing[volume]?.perCustomer || 1.75);
if (kycSection.checkbox('biometricVerification')?.value()) monthlySoftware += 500;
if (kycSection.checkbox('adverseMedia')?.value()) monthlySoftware += 400;
if (amlSection.checkbox('transactionMonitoring')?.value()) monthlySoftware += 1500;
if (amlSection.checkbox('caseManagement')?.value()) monthlySoftware += 800;
// Monthly services
let monthlyServices = 0;
if (trainingSection.checkbox('complianceOfficer')?.value()) monthlyServices += 3000;
if (amlSection.checkbox('sarFiling')?.value()) monthlyServices += 500;
const employeeCount = trainingSection.integer('employeeCount')?.value() || 10;
if (trainingSection.checkbox('staffTraining')?.value()) {
monthlyServices += Math.ceil(employeeCount / 10) * 200;
}
// Annual audit
const baseAudit: Record<string, number> = { 'small': 5000, 'medium': 10000, 'large': 20000, 'enterprise': 40000 };
let annualAudit = baseAudit[volume] || 10000;
annualAudit *= riskMultipliers[risk] || 1;
if (trainingSection.checkbox('auditPreparation')?.value()) annualAudit *= 0.8;
return Math.round((monthlySoftware * 12) + (monthlyServices * 12) + annualAudit);
},
variant: 'large',
suffix: '/year'
}, '1fr');
});
finalSection.addRow(row => {
row.addTextPanel('disclaimer', {
computedValue: () => 'This calculator provides estimates only. Actual compliance costs depend on specific regulatory requirements, business complexity, and vendor selection. Consult with a compliance professional for accurate program budgeting.',
customStyles: { 'font-size': '0.8rem', 'color': '#64748b', 'font-style': 'italic' }
});
});
form.configureSubmitButton({
label: 'Get Compliance Consultation'
});
}
Frequently Asked Questions
What does this calculator cover?
The calculator covers initial setup costs, ongoing monitoring, customer verification (KYC), transaction monitoring, training, and audit preparation for AML/KYC compliance programs.
Is this suitable for all business types?
Yes. The calculator can be customized for various regulated entities including banks, fintechs, crypto companies, MSBs, insurance companies, and other financial services businesses.
Can I customize the pricing?
Absolutely. All cost factors, service tiers, and pricing structures are fully customizable to match your firm's offerings and the specific regulatory requirements of your clients' jurisdictions.
Does this include software costs?
The calculator includes estimates for compliance software and tools. You can configure these based on your recommended technology stack or partner solutions.
How often do compliance costs need review?
Compliance costs should be reviewed annually or when regulations change. The calculator provides baseline estimates; actual costs depend on transaction volumes, risk profile, and regulatory requirements.