Structured Settlement Calculator
Estimate how much your structured settlement payments could be worth as a lump sum.
Estimate Your Lump Sum
Enter a monthly payment and remaining years to see your estimate.
Estimated Lump Sum Range
$0 - $0
Total future payments: $0
Buyers price offers using a discount rate, so your lump sum is less than the total of your future payments. Actual offers are typically toward the lower end of this range and depend on your specific terms. Comparing multiple buyers is how you land nearer the top.
Get your actual written offer with the discount rate disclosed:
Get My Actual OfferThis calculator provides estimates only and is not a quote. Actual offers depend on multiple factors including your specific settlement terms, state laws, and current market conditions.
Understanding Discount Rates
The discount rate is the percentage a buyer uses to calculate the present value of your future payments. A lower discount rate means you receive more cash. Effective discount rates in this market typically range from 9% to 18%, and most sellers see offers in the 12% to 18% band, which is why this tool shows a range rather than a single figure. Your actual rate can vary based on:
- - The total value of payments being transferred
- - How many years of payments remain
- - Whether the payments are life-contingent or period-certain
- - The credit quality of the annuity issuer
- - Current market conditions
This is exactly why knowing the discount rate on any offer matters - each point of rate can mean thousands of dollars in your pocket. Our quotes state the rate in writing and carry a price match guaranty, so you can benchmark any competing offer against them.