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The Net AI Value (NAV) Framework: How we calculate conservative, industry-specific ROI for AI adoption
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The Net AI Value (NAV) Framework is 4now.ai's proprietary methodology for estimating potential return on investment from AI tool adoption. Unlike generic ROI calculators, NAV accounts for:
NAV = (Annual Efficiency Gain × HITL Buffer) - Annual TCO
Where:
💡 Conservative by Design
The NAV framework applies HITL buffers to all calculations, meaning our ROI estimates are 10-20% lower than claimed tool benefits. This lowers the modeled outcome, but does not validate the underlying assumptions or guarantee results.
These are planning assumptions used by the calculator, not independently observed industry averages. Replace them with measured pilot data where available. No quarterly verification schedule is claimed.
| Industry | Efficiency Gain | HITL Buffer | Net Gain |
|---|---|---|---|
| Legal | 68% | 15% | 57.8% |
| Accounting | 42% | 20% | 33.6% |
| Real Estate | 45% | 15% | 38.3% |
| Healthcare | 55% | 10% | 49.5% |
| Finance | 52% | 15% | 44.2% |
| HR | 38% | 15% | 32.3% |
| Consulting | 65% | 20% | 52% |
| Marketing | 48% | 15% | 40.8% |
| Hospitality | 35% | 15% | 29.8% |
| Retail | 40% | 15% | 34% |
| Architecture | 50% | 15% | 42.5% |
| Supply Chain | 44% | 15% | 37.4% |
Illustrative scenario, not measured customer results: the following assumptions model a 10-person law firm.
Inputs:
Calculation:
Results:
Use our interactive calculator to get a personalized estimate for your organization based on the NAV framework.
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