free tool
TCPA Penalty Risk Calculator
Enter your outbound volume, the state you dial, and your consent rate. See your annual TCPA statutory exposure — and the steps that shrink it — in seconds.
/ annual statutory exposure
$18,000,000 – $36,000,000
Low end assumes negligent violations at $500 each. High end assumes willful or knowing violations at $1,500 each, plus $500 per call in state mini-TCPA damages.
/ non-consented calls per year
18,000
Each is a separate potential violation under the TCPA.
/ recommended compliance steps
- You are dialing roughly 1,500 calls a month without documented consent. Close that gap first — it is the single largest driver of the exposure above.
- Capture and store prior express written consent for every outbound number, with a timestamp and the exact opt-in language shown.
- Scrub your dialing list against the National DNC Registry and any internal opt-out list before every campaign.
- Honor opt-out requests within a reasonable window and log the date you suppressed the number.
- Respect calling-hour rules — no calls before 8am or after 9pm in the recipient's local time zone.
- Identify the caller and the business at the start of every call, as required for solicitations.
- Register your A2P 10DLC brand and campaigns so carriers do not filter you as spam.
Your inputs are encoded in the URL. Send it to a partner and they see the same numbers.
This tool is an estimate of theoretical statutory exposure, not legal advice and not a prediction of actual liability. Consult a TCPA attorney before launching outbound campaigns.
how it works
The math behind the exposure number.
The TCPA treats every individual call to a non-consenting number as its own violation. That single fact is what makes outbound calling risk so different from most compliance problems: it does not cap, it multiplies. The calculator starts from your annual call volume — monthly outbound calls times twelve — and then estimates how many of those calls go to numbers that never gave you prior express written consent.
At-risk calls equal your annual volume multiplied by one minus your consent rate. If you place 5,000 calls a month with a 70 percent consent rate, that is 60,000 annual calls, of which 18,000 carry no documented consent. Each of those 18,000 is a separate potential violation.
The dollar figure applies the federal statutory range to that at-risk count. The low end uses $500 per call, the standard for a negligent violation. The high end uses $1,500 per call, the ceiling a court can award when a violation is found to be willful or knowing. For states with a mini-TCPA statute — Florida, Oklahoma, Washington, and Maryland in this model — the tool stacks an additional per-call amount on top, because those state laws create damages a plaintiff can recover alongside the federal claim.
The result is a deliberately large number, and it should be read as theoretical maximum statutory exposure rather than an expected bill. Real cases settle for a fraction of the statutory maximum, and class damages are negotiated and capped. The point of the estimate is to show the scale of the liability sitting behind a thin consent process, so you fix the consent gap before you scale volume, not after a demand letter arrives. Close the gap and run the estimate again — the at-risk count, and the exposure with it, falls in direct proportion to the calls you can prove were consented.
frequently asked
Common questions.
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