ROI Calculator — What is Your Paper Tax Costing You?
The ROI Calculator reveals that manual identity verification and document processing in financial operations, with a 33% error rate and $35/hr labor cost, result in an annual "Paper Tax" of $608,000 and 17,360 wasted admin hours due to slow, error-prone workflows taking up to 15 days, whereas using Proof's biometric ID verification and Remote Online Notarization can reduce processing time to under 15 minutes, eliminating these costs without re-papering existing contracts.
What is your Paper Tax costing you?
Manual identity verification, account opening & recovery, spousal consent forms, and document notarization are silently draining your operations. Calculate the true cost — and see what's possible with Proof.
Your Numbers
- Annual Transaction Volume: 10,000
- Estimated NIGO Rate: 33%
- NIGO = Not In Good Order · 33% is the 2026 industry average
- Admin Hourly Labor Rate ($):
- $35/hr is the 2026 industry average
Industry Benchmark Constants
- Base processing cost per form: $35.08
- Error remediation cost: $72.00
- Blended manual burden: $60.76
- Manual process time: ~15 days
- Proof process time: < 15 minutes
Your Results
- Annual Paper Tax: $608K
Total annual cost of manual friction - Hours Wasted: 17,360
Admin hours lost per year - Error Rework Cost: $237K
Cost of NIGO remediation
The Speed Gap
Manual Process
- Up to 15 days
- Mail → Error rework → Database checks → Re-mail and upload
With Proof
- < 15 min
- Biometric verification in minutes · RON average completion time ~15 min
You're losing $608,000 annually to manual friction.
See how Proof eliminates your Paper Tax — without re-papering your existing contracts.
Calculations based on 2026 industry benchmarks. Base processing cost: $35.08/form (labor + postage). Error remediation: $72.00/incident. Blended manual burden: $60.76/transaction. NIGO (Not In Good Order) industry benchmark: 33%. Admin time per transaction estimated at 25 minutes for processing + 45 minutes average remediation per error. Proof (formerly Notarize) reduces time-to-completion from up to 15 business days to under 15 minutes — combining real-time biometric identity verification (IDV) for account opening, account recovery, and high-risk transaction authentication, with Remote Online Notarization (RON) for document execution including spousal consents, hardship withdrawals, and plan distributions.