Capital and bond calculator
Illustrative roll-up of application fees, net worth, surety and a legal-build scenario across selected states. Free tier: up to 3 states.
Totals (illustrative)
- States modelled: 1 (free cap applied)
- Application fees: $5,000
- Renewals (annual band): $3,000
- Net worth (sum of minima): $100,000
- Surety bond: $100,000 - $500,000
- Legal build scenario: $15,000 - $37,500
Illustrative planning totals only. Surety figures use published formulas where provided, otherwise field bands. Legal build is a scenario slider, not a quote. Not legal or financial advice.
1 state at the About $50m (planning baseline) volume band with a Typical build legal and compliance build.
Illustrative planning totals only. Surety figures use published formulas where provided, otherwise field bands. Legal build is a scenario slider, not a quote. Not legal or financial advice.
| State | App fee | Renewal | Net worth | Surety | Note |
|---|---|---|---|---|---|
| Hawaii | $5,000 | $3,000 | $100,000 | $100,000 - $500,000 |
Fixed amount
Hawaii uses a flat bond, not a formula tied to volume or outstanding liability: $100,000 for the first 12 months of licensure, unchanged thereafter unless the commissioner acts. The scenario's $50 million annual volume and $2 million average daily outstanding liability do not change the figure; only proof of impaired financial condition could push it toward the $500,000 ceiling. |