As stated it's all guesstimated but it's worthless until you actually hand it in.
Get blown up before that and it's all gone.
Some people have had issues with hyperspace dumping them into a star's ejection cone and then frying while not being able to escape. If you get blowed up due to a game bug you can report it and ask FD if they can reinstate your CMDR's prior state (or compensate the credits)