Electromagnetic simulation is a powerful tool to evaluate optimal radio frequency (RF) coil design without costly prototypes. However, RF receiver coils have accessory circuits, such as decoupler circuits, that make it difficult to reflect accurate coil loss. This leads to calculation error which can be non-negligible even in high static magnetic fields, especially for small loop coils. We measured the coil-component losses and took them into account for the simulation to calculate the signal-to-noise ratio (SNR). The calculated SNR had less than 5% error when compared to SNR measured with a 1.5-T MRI scanner for 10-channel receiver-array coils, confirming high accuracy of multi-channel SNR simulation.