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.
Get an instant, accurate quote for your structured settlement payments. See what your future payments are worth in today's dollars without providing any personal information.
A structured settlement calculator is a Money tool that computes the present value of your future structured settlement payments. When you receive periodic payments from a legal settlement or insurance claim over many years.
Those dollars received in the future are worth less than dollars you receive today. This is called the time value of money, and our calculator uses industry-standard present value formulas to Find out exactly how much your.
Payment stream is worth if you were to convert it into a lump sum today.
Our calculator analyzes your specific payment schedule, including payment amount, frequency, and duration. Then applies current market discount rates to calculate your estimated lump sum value. The result gives you a realistic estimate of what structured settlement buyers would Usually offer for your payments. This helps you make informed decisions about whether selling your settlement payments makes sense for your Money situation.
Using our structured settlement calculator is straightforward. First, enter the details of your payment schedule.
This includes the payment amount you receive each period, whether you receive payments monthly, quarterly, annually, or on another schedule. And the total duration of your payments.
You may also State clearly whether your payments are guaranteed for a fixed period or continue for your lifetime.
Next, the calculator applies current market discount rates to these payments. Discount rates reflect the return that structured settlement buyers expect on their investment. Our calculator updates these rates in real-time based on current market conditions, including interest rates and investor demand. This ensures your estimate reflects what purchasing companies are actually offering in today's market.
Within seconds, you receive your estimated lump sum value. The calculator displays your estimated offer range, showing both the minimum and maximum amounts you might expect to receive. This range reflects different market scenarios and buyer pricing strategies. You can then run Extra Math to explore what happens if you sell only part of your payments, or if you keep certain payment periods.
Get your estimate in under 60 seconds without registering an account or providing any personal information. Start using the calculator immediately to explore what your payments might be worth.
Whether you receive guaranteed fixed payments, lifetime payments, stepped payments, or balloon payments, our calculator handles all settlement structures. It recognizes cost-of-living adjustments and complex payment schedules that vary over time.
Our calculator uses current market discount rates that reflect actual conditions purchasing companies see daily. We continuously update these rates so your estimates remain accurate and relevant to today's market conditions.
Run unlimited scenarios to compare different strategies. See what you would receive if you sold all payments versus partial payments. Compare different payment windows to understand how timing affects your offer amount.
Your payment information remains private and confidential. We do not collect, store, or share any personal data. You can explore options completely anonymously and only reach out if you decide to move forward.
When your calculator produces a result, you receive an estimated present value for your payments along with a minimum. And maximum offer range.
The minimum offer represents a conservative estimate using higher discount rates. While the maximum represents a more aggressive buyer competing for your business.
Your actual offer from a real company will Usually fall somewhere within this range.
The discount rate is the interest rate used in the present value calculation. Higher discount rates result in lower lump sum offers because future payments are worth less when discounted at higher rates. Lower rates produce higher offers. The calculator shows how sensitive your offer is to discount rate changes, helping you understand what negotiating room exists.
Important to remember: calculator estimates may vary from actual company offers. Real offers depend on factors like the insurance company backing your payments, state court requirements.
And current company-specific pricing. Our calculator provides a realistic benchmark for what you should expect.
But your actual offers may be higher or lower depending on these Extra factors.
Our calculator helps you understand exactly what your structured settlement payments are worth before you talk to any companies or specialists. Armed with this knowledge, you can negotiate more confidently and Know whether offers you receive are competitive. Many settlement holders work with purchasing companies without understanding the market value of their payments. Putting them at a disadvantage during negotiations.
Using a calculator also helps you Find out if selling makes Money sense for your situation. Compare your estimated lump sum against your future payment stream.
If you need immediate cash for medical bills, education, or business opportunities. The lump sum value helps you quantify what you are giving up.
This information allows you to make a decision aligned with your actual needs and Money goals.
The calculator is completely free to use and requires no obligation. You can explore as many scenarios as you want to understand how different selling strategies would affect your Money situation. Only when you have a clear picture of the numbers and have decided selling makes sense should you contact actual buyers.
Take the first step toward understanding your financial options. Use our calculator to see what your structured settlement payments are worth today.
No sign-up required • No personal information • Instant results
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.
We show you a minimum and maximum payout range based on your payment details so you understand the realistic spread before deciding.
We clearly explain how pricing works and do not add undisclosed company fees on top of your court-approved transfer terms.
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.
Transfers go through a court approval process, and we strongly encourage, and in many states the law requires, independent professional advice from your own attorney or advisor.
Get instant valuations online without phone calls or sharing sensitive personal details upfront. You control when and how we contact you.
Seeing how much your payments might be worth does not obligate you to sell anything, and there is no penalty if you decide not to move forward.
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.
Reviewed by Smarter Payouts Analysis Team, Valuation & Calculations
Settlement Valuation Experience • NPV Calculation Specialists
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