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 conditions shape the value of your payments. When interest rates rise, present values tend to drop. When rates fall, lump sums may increase. The strength of your annuity issuer also matters. Knowing these factors helps set realistic expectations.
Better input means better results. Enter exact payment amounts and dates. Note any cost-of-living adjustments or balloon payments. Gather your settlement documents first. Accurate details lead to more reliable estimates.
Try multiple scenarios to explore your options. Test selling all payments versus just some. Change discount rate assumptions and timing. This comparison helps you evaluate real offers. It puts you in a stronger position to negotiate.
Calculators are a great starting point — but expert guidance matters too. Specialists explain market details and court requirements. They walk you through the transfer process. Combining calculator results with professional advice leads to better decisions.
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.
Smarter Payouts offers multiple calculator tools designed to address different. structured settlement scenarios.
The Guaranteed Payment Calculator is ideal if your settlement includes fixed. Payments over a defined period.
These payments continue regardless of your lifespan. And are Usually the most straightforward to value because they carry predictable.
Cash flows that purchasing companies can Check with high confidence.
The Life-Contingent Payment Calculator handles payments. That depend on the recipient being alive at the time of each payment.
These Need actuarial Review since their value depends on life expectancy tables. And mortality assumptions.
Life-contingent payments Usually receive different pricing than guaranteed. Payments because purchasing companies must account for the possibility.
That payments could stop before the scheduled end date.
If you have both guaranteed and life-contingent payments within the same. Settlement, our Smart Calculator can handle the combined structure.
Many structured settlements include a guaranteed period followed by life-contingent. Payments, or a mix of payment types at different intervals.
Our calculator separates these components automatically. And applies the Right valuation methodology to each.
Giving you a Complete picture of your settlement's total present value.
For those exploring partial sales. Our calculator allows you to model different scenarios.
You can test selling all your payments, selling only a specific time window. Or keeping certain payments while selling others.
This flexibility helps you find the right balance between accessing cash now. And maintaining future income security.
Many clients discover that selling a portion of their payments provides enough. Funds for their immediate needs while preserving long-term Money Safety.
After running your structured settlement through our calculator. You will see an estimated lump sum value based on current market.
Conditions. This number represents what purchasing companies are likely to offer for your.
Payment stream, accounting for discount rates, payment timing. And the Money strength of your insurance company.
The estimate serves as a valuable baseline for evaluating any offers you. Receive.
If you decide to move forward, the next step is connecting with one of our. Specialists who can Give a formal offer based on your specific situation.
Our specialists review the same factors the calculator considers. But can also account for Extra details like your state's specific court.
Requirements, the current processing times in your Area. And any unique aspects of your settlement that might affect the offer.
Once you accept an offer, the court approval process begins. This is a legal requirement in all 50 states designed to protect your interests.
A judge will review the Deal to Make sure it is fair. And in your best interest.
The court considers factors including your reason for selling. The discount rate being applied, whether you have dependents who rely on the.
Payments, and whether you have received independent Money advice about the Deal.
The entire process from calculator quote to receiving your lump sum. Usually takes 45 to 75 days, depending on your state's court schedule.
And the complexity of your settlement. Throughout this process, Smarter Payouts keeps you informed with regular updates.
And handles all communication with courts, attorneys, insurance companies. And other parties involved in your transfer.
Our goal is to make the Know-how as smooth. And stress-free as possible while ensuring you receive fair value for your.
Payments.
We encourage you to use our calculator as many times as you need to explore. Different scenarios.
There is no limit on the number of quotes you can Create. And you never need to Give personal information to see estimates.
Whether you are just curious about your settlement's value. Or actively preparing to sell, our calculator is designed to give you the.
Information you need to make confident. Informed decisions about your Money future.