Our AI-powered calculator ingests live market data, current discount curves. And the structure of your payments to project an accurate present value. It does the heavy lifting instantly so you can focus on decisions instead of spreadsheets.
The engine recognizes stepped payments, balloon payments, life-contingent benefits, and cost-of-living adjustments. You get a realistic number whether your settlement is linear or highly customized.
Privacy is built in. You can run unlimited scenarios without typing in personal data, download results, and revisit them later when you speak with a specialist.
Need local context after you calculate? See our guides for Riverside County, San Bernardino County, and Santa Clara County to understand how local judges view transfer requests.
Every quote is derived from present-value math. Lower discount rates mean higher lump sums, and higher rates mean smaller offers. The calculator shows these swings transparently so you always know why a number changed.
Payment size, timing, and whether the payments are guaranteed or life-contingent all influence the final value. Near-term, high-dollar payments carry more weight than smaller payments due years from now.
Market events—interest-rate hikes, credit spreads, insurer appetite—move discount rates. We refresh the data continuously so your estimates mirror what purchasing companies see.
Save each calculator run so you can share it with a specialist or reference it when preparing your petition in California, Texas, Florida, or any other state.
Run multiple scenarios—selling all payments, selling only a specific window. Or keeping a safety cushion—to see how each choice affects your lump sum. The comparison view makes trade-offs obvious.
Use the numbers to Check Options such as borrowing against payments, delaying the sale, or splitting the deal into stages. Seeing cash-flow timelines side by side helps you pick the strategy that matches your goals.
Share your saved runs with a specialist so they can prepare paperwork faster and align the offer with your preferred structure.
Prefer step-by-step guidance? Explore our "how to sell" guides for Riverside County, San Bernardino County, or Santa Clara County once you have a scenario you like.
Settlement calculators are key tools if you want to sell payments. They show what your future payments are worth today. Results depend on discount rates, timing, and market conditions. Interest rates also affect what buyers will pay.
Calculator results are estimates, not firm offers. Real offers may differ based on company risk views and market conditions. Use our calculator as a baseline to compare offers. Payment size, timing, and guarantee type all affect your quote.
Market dynamics play a crucial role in determining the value of structured settlement payments. Interest rate fluctuations directly affect discount rates, with rising rates typically resulting in lower present values and falling rates potentially increasing the lump sum amount. Economic conditions, credit market availability, and the financial strength of the annuity issuer also influence purchasing companies' willingness to acquire payment streams and the rates they offer. Understanding these market factors helps set realistic expectations when using settlement calculators.
The calculator's effectiveness increases when you provide accurate information about your payment structure. Details such as exact payment amounts, precise payment dates, whether payments include cost-of-living adjustments, and any balloon payments or stepped payment schedules all contribute to more accurate calculations. Incomplete or inaccurate input data will naturally produce less reliable estimates, so taking time to gather your settlement documents and verify payment details ensures the most useful calculator results.
Comparing multiple calculator runs with different scenarios helps you understand how various factors affect your potential lump sum. Testing scenarios such as selling all payments versus partial payments, different discount rate assumptions, and various timing options provides valuable insight into your options. This comparative analysis supports informed decision-making when evaluating actual purchase offers from structured settlement companies and helps you negotiate from a position of knowledge.
Professional guidance remains essential even when using sophisticated calculators. While calculators provide valuable estimates, experienced settlement purchasing professionals can explain market nuances, help you understand court approval requirements in your state, and guide you through the transfer process. Combining calculator insights with professional advice ensures you make well-informed decisions that align with your financial goals and legal requirements. The calculator serves as a starting point for discussions with specialists who can provide personalized guidance based on your specific circumstances and state regulations.
Payment timing represents one of the most Important factors affecting calculator. Results.
Payments due in the near term carry more present value than payments due years. From now, as the time value of money means funds available today are more.
Valuable than identical amounts received later. The calculator automatically accounts for this.
Applying Right discount rates based on when each payment is scheduled.
Payment amounts and frequency also significantly impact quotes. Larger payments Usually result in higher quotes.
While payment structure complexity including varying amounts. Irregular schedules, and mixed payment types all influence final values.
The calculator automatically handles these variations to Make sure accurate Math. Regardless of your specific payment structure.
Market conditions continuously influence discount rates used in Math. interest rate changes, credit spread movements.
And insurer market appetite all affect pricing. We refresh data continuously so your estimates reflect what purchasing companies.
Now see in the market, ensuring accurate and current valuations.
Educational resources and transparent information are fundamental to making informed structured settlement decisions. Quality calculators provide not just numbers but comprehensive explanations of how calculations are performed, what factors influence valuations, and what options are available. This educational approach empowers you to understand your choices fully and make decisions based on complete information rather than limited knowledge or high-pressure sales tactics.
Step-by-step guidance through the evaluation process helps you understand each stage of analyzing your structured settlement options. From initial assessment through final decision-making, clear explanations of each step ensure you understand what's happening and why. This systematic approach reduces confusion and anxiety while building confidence in your decision-making process.
Regulatory compliance and legal requirements vary significantly by state, and quality calculators incorporate these variations into their analysis and recommendations. Understanding the legal framework governing structured settlements in your state helps you prepare for the court approval process and ensures that any transfer proceeds smoothly and efficiently. Educational resources should explain these requirements clearly and help you understand what to expect.
Professional guidance complements automated calculations by providing personalized advice and answering specific questions about your situation. While calculators provide valuable initial insights, experienced professionals can address complex scenarios, explain nuances, and help you navigate challenging decisions. This combination of technology and human expertise ensures you have access to both immediate information and personalized support.
Comparison tools and scenario analysis help you evaluate different options and understand the implications of various decisions. Quality calculators allow you to compare selling all versus part of your payments, different timing options, and various purchasing companies. This comparative analysis helps you identify the approach that best serves your specific needs and circumstances.
Ongoing support and follow-up ensure that you have access to assistance throughout the entire process, from initial evaluation through final completion of any transfer. This includes help with paperwork, court procedures, and addressing any questions or concerns that arise. Comprehensive support reflects a commitment to your success and satisfaction rather than just completing a transaction.
Our calculator uses real market data. It gives you instant quotes. No personal info needed. You can try different scenarios. This helps you understand your options.
Enter your payment details carefully. Check dates and amounts. Small errors can change results. Double-check before submitting. Accurate input means better estimates.
Calculator results are estimates only. Final offers may differ slightly. Market conditions change daily. Our team can refine quotes after review. Always get final quotes before deciding.