Enter a payment amount and years remaining.
Option 1: Keep the payments
Total you collect over time
Yearly income it provides
Option 2: Sell for a lump sum
Realistic offer range today
–
High end assumes a favorable 10% effective discount rate, low end 18%. Real offers depend on your schedule.
Your offer, decoded
The offer you entered implies an effective discount rate of
Free, no obligation, discount rate disclosed
Quick Answer
How to Read This Comparison
Keeping the payments maximizes the total dollars you collect; a lump sum maximizes money you control today. The bridge between them is the discount rate - the rate a buyer uses to price future payments in today's dollars.
If you already have an offer, the decoder shows the rate hidden inside it. Any offer worth considering states that rate in writing - if a buyer will not put it on paper, walk away. Structured settlement transfers also require court approval, and a judge must find the sale is in your best interest.