Enter a payment amount and years remaining.
Total remaining payments
Estimated lump sum range if sold
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High end assumes a favorable 10% effective discount rate, low end 18%. Actual offers depend on your schedule and typically land toward the lower end.
Free, no obligation, discount rate disclosed
Quick Answer
How This Calculator Works
Your payments are worth less than their face total today because a buyer pays now and waits years to collect. This tool computes the present value of your stream at two honest discount rates - a favorable 10% and a realistic 18% floor - to bracket what real offers look like. Structured settlement annuities also require court approval to sell; other annuities do not. Your written quote from our funding partner discloses the exact rate behind the number.