Our Process

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.

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 like interest-rate hikes, credit spreads, and insurer appetite move discount rates. We refresh the data continuously so your estimates mirror what purchasing companies see.

Run multiple scenarios: selling all payments, selling only a specific window, or keeping a safety cushion. 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.

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.

Your calculator estimate is a baseline for evaluating offers. If you decide to move forward, a specialist can provide a formal offer tailored to your state's court requirements, current processing times, and the unique aspects of your settlement.

Every structured settlement transfer requires court approval. A judge reviews the transaction to confirm it is fair and in your best interest. Learn more about how fast the process works from quote to cash.

Use the calculator as many times as you need. There is no limit, and no personal information is required. Whether you are exploring your options or actively preparing to sell, the estimates help you make confident decisions.