How does the structured settlement calculator work?

Our AI-powered calculator provides instant, accurate quotes based on your payment schedule. Simply enter your payment details and receive an upfront offer estimate with no personal information required.

Is the calculator free to use?

Yes, our calculator is completely free. There are no charges for getting quotes, and you can use it as many times as you need without providing any personal information.

How accurate are the calculator results?

Our calculator uses current market rates and advanced algorithms to provide accurate estimates. The final offer may vary slightly based on court approval and market conditions at the time of transfer.

Do I need to provide personal information?

No personal information is required to get an instant quote. We only need your payment schedule details to calculate an accurate estimate.

Skip the Sales Pitch

Get an average of $15,000 or more with our AI-powered self-quoting platform.

ExploreCompareDecide

Sarah M.

Austin, TX

“I saw my payout amount before I even gave my name.”

See What You Qualify For

TrustedVerifiedReviews

Why Choose Smarter Payouts?

The industry's only platform where you control pricing, timing, and every decision, start to finish.

AI-Powered Platform

Get a lump sum payout offer in under 60 seconds. No logins, no personal information, no phone.

Quick Access Tools

Structured settlements: regulation and court approval

All structured settlements are regulated by federal law. A judge must review and approve.

Learn About Selling →

Zero pressure: no sales calls unless you choose to connect

Zero pressure, decide on your timeline

Unlimited scenarios, you decide. No sales calls unless you ask.

Our Values →

Transparent Structured Settlement Quotes

We purchase future structured settlement and annuity payments for a lump sum. Our platform answers questions about the process, court approval, and state laws, and it shows upfront pricing without collecting email or phone. You can review quotes and options privately before choosing to engage.

Offer range, not a single number

We show you a minimum and maximum payout range based on your payment details so you understand the realistic spread before deciding.

No surprise company fees

We clearly explain how pricing works and do not add undisclosed company fees on top of your court-approved transfer terms.

Explainable valuation logic

Our offer ranges are based on discount rates informed by past court-approved transactions and market conditions, and we can walk you through the numbers in plain English.