Baggage compensation calculator
If an airline delayed, damaged or lost your checked bag, the Montreal Convention gives you a right to compensation and caps it at 1519 SDR per passenger. Most people never claim because they do not know what that is worth in real money. This works it out.
How much can you claim?
The Montreal Convention caps baggage liability at 1,519 SDR per passenger. That is a ceiling, not a payout: airlines reimburse the loss you can evidence, up to that limit.
Your ceiling under the Convention
up to €1,798
Add what you had to buy while the bag was missing to see your figure.
1519 SDR × 1, rate of 2026-08-25
- Reimbursement for a delayed bag is based on receipts. Without them there is usually nothing to claim, so keep every purchase.
This is an estimate to help you prepare, not legal advice and not a guarantee of payment. What an airline pays depends on your evidence, the itinerary and its own review.
How the number is worked out
The Convention makes the airline liable for the loss you actually suffered, up to 1,519 Special Drawing Rights per passenger. SDR is an IMF reserve unit rather than a currency, so the limit in euros, pounds or złoty moves a little with exchange rates. The reference rate used here is from 2026-08-25.
What counts as your loss depends on what happened. While a bag is merely delayed, it is the reasonable essentials you had to buy, proven with receipts. Once a bag is damaged or lost, it is the value of the bag and what was inside, which you have to set out item by item. Those are different claims with different deadlines, so the calculator asks which one you are making before it asks for numbers.
Why the fee matters more than the limit
The large claim agencies work on commission, typically 35% of whatever the airline pays, rising to around 50% if the case goes to court. On a 1,200 EUR settlement that is 420 EUR taken from your reimbursement. BagClaim charges €19.90 once, whatever the airline pays you, because the work is the same either way: the claim letter, the legal citations and the evidence list that make the claim hard to dismiss.
Common questions
- What is 1,519 SDR in euros?
- SDR is the International Monetary Fund's unit of account, so the euro value moves with exchange rates. At the reference rate of 2026-08-25, 1,519 SDR is roughly 1,800 EUR per passenger. The calculator converts it into your currency for you.
- Is the 1,519 SDR limit what the airline pays me?
- No. It is a ceiling, not a tariff. The airline reimburses the loss you can evidence, up to that ceiling. A claim for 300 EUR of receipted purchases is paid at 300 EUR, not at the limit.
- Is the limit per bag or per passenger?
- Per passenger. Two passengers on the same booking who both lost a bag each have their own ceiling, which is why the calculator asks how many people were affected.
- How long do I have to claim?
- Damage must be reported within 7 days of receiving the bag, and a delay within 21 days of the bag being returned to you. After 21 days a bag that has not arrived can be treated as lost.
- Do I need receipts?
- For a delayed bag, essentially yes. Reimbursement is based on what you had to buy because your bag was missing, and airlines ask for the receipts. For a lost bag you need an item-by-item inventory with realistic values.