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Risk Management & FAIR Analysis

Cybersecurity Risk vs. Cost Calculator

Side-by-side comparison of what cybersecurity protection costs vs. what an incident would cost your business. Built on FAIR methodology with IBM/Ponemon 2024 data.

Frameworks: NIST CSF 2.0 GV.RM • FAIR • CIS Controls v8 • ISO 27005

Your Business Profile

SB 2610: Small Business
$5,000,000
SCADA, PLCs, building automation, medical devices, etc.

Cost of Protection

$0
Annual Investment (Year 1)
Framework implementation (Year 1) $0
NIST CSF 2.0
Annual program maintenance $0
Security tools & technology $0
Employee training $0
Compliance audit / assessment $0
Cyber insurance premium $0
Total Year 1 $0
Annual Ongoing (Year 2+) $0
3-Year Total $0

Cost of an Incident

$0
Expected Annual Loss (ALE)
Incident Probability
Annual breach probability 14.7%
14.7%
Direct Costs (if breach occurs)
Incident response & forensics $0
Legal counsel $0
Breach notification costs $0
$10/record x 0 records
Credit monitoring (2 years) $0
Regulatory Fines
TX SB 2610 punitive damages (no safe harbor) $0
HIPAA Tier 4 penalty $0
TX HB 300 penalty $0
PCI DSS non-compliance (6 mo.) $0
DFARS / CMMC penalties $0
Industry-specific fines $0
Select regulated data types above to see applicable fines
Business Disruption
Downtime duration (industry avg.) 5 days
Downtime cost $0
Revenue Impact
Customer churn (post-breach) $0
Lost business / reputation damage $0
Contract penalties $0
Insurance premium increase (3 yr.) $0
Total if Breach Occurs $0
Risk-Adjusted Annual Loss (ALE) $0
ALE = Total x Probability

The Verdict

Annual Protection Investment
$0
vs.
Risk Exposure (Annual)
$0
$0
Every $1 invested protects this much in risk exposure
0 months
Investment pays for itself
70%
Risk reduction with compliance program
Protection Cost
$0
Risk Exposure
$0
TX SB 2610 Safe Harbor Advantage
With a compliant cybersecurity program, you eliminate $0 in potential punitive damage exposure under Texas Business & Commerce Code Ch. 542.

Scenario Analysis

Best Case (25th Percentile)

$0
Downtime: 0 days
Minimal regulatory fines
"Even in the best case, an incident costs $0"

Most Likely (50th Percentile)

$0
Downtime: 0 days
Moderate regulatory fines
"The typical incident costs $0"

Worst Case (75th Percentile)

$0
Downtime: 0 days
Maximum regulatory fines + OT damage
"A severe incident could cost $0+"

Ready to Protect Your Business?

Our Texas-based cybersecurity consultants help SMBs implement cost-effective security programs that qualify for SB 2610 safe harbor protections.

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Data Sources & Methodology

Data PointValueSourceYear
Global avg. breach cost$4.88MIBM Security — Cost of a Data Breach Report2024
U.S. avg. breach cost$9.36MIBM Security2024
Healthcare breach cost$9.77MIBM Security (highest industry, 14th consecutive year)2024
Manufacturing breach cost$5.56MIBM Security2024
Financial breach cost$6.08MIBM Security2024
Annual breach probability~14.7%IBM/Ponemon (27.7% over 2 years, annualized)2024
Healthcare probability~25%Ponemon / HIPAA Journal2024
Cost per healthcare record$408IBM Security2024
Cost per record (general)$169IBM Security2024
Time to identify breach194 daysIBM Security2024
Time to contain breach64 daysIBM Security2024
Customer churn post-breach5–7%IBM Security / Ponemon2024
HIPAA penalty Tier 4$2.13M / category / yearHHS OCR (2024 adjusted)2024
TX HB 300 penalty$250K / violationTX Health & Safety Code Ch. 181Current
PCI non-compliance$5K–$100K / monthPCI Security Standards CouncilCurrent
SB 2610 safe harborEliminates punitive damagesTX B&C Code Ch. 542In effect
Insurance premium increase30–50% post-breachMarsh McLennan2024
Compliance risk reduction60–80%Forrester TEI2024
Methodology: This calculator uses the FAIR (Factor Analysis of Information Risk) framework simplified for SMB decision-making. Annual Loss Expectancy (ALE) = Single Loss Expectancy (SLE) x Annual Rate of Occurrence (ARO). Estimates are based on published industry research and should be validated with a qualified cybersecurity professional for your specific situation. All breach cost data sourced from the IBM Security — Cost of a Data Breach Report 2024 (19th edition). Protection cost estimates based on aggregated industry benchmarks for organizations of comparable size and complexity.
© CyberPoint Advisory — Texas Cybersecurity Consultants • cyberpointadvisory.com