How Much Is My Structured Settlement Worth?
Quick Answer
Your structured settlement is typically worth 60-85% of its total face value when sold on the secondary market. The exact amount depends on your payment schedule, remaining years, and current interest rates. In 2026, the national average payout is approximately 73 cents per dollar of future payments.
Key Statistic
Average payout: 73 per $1 of future payments
Expert Analysis
The value of your structured settlement depends on several key factors. First, the discount rate applied by buyers currently averaging 9.2% nationally in 2026, down from 13.2% in 2023. Second, the time value of money: payments further in the future are worth less today. Third, whether your payments are life-contingent or period-certain (period-certain payments are worth more because they're guaranteed regardless of lifespan).
To calculate a rough estimate: take your monthly payment, multiply by the number of remaining months, then multiply by 0.73. For example, $2,000/month 120 months remaining = $240,000 face value 0.73 = approximately $175,200 in cash today.
Getting multiple competing quotes is critical the difference between the highest and lowest offer averages $14,200 for a typical settlement. Our free comparison tool matches you with 26+ licensed buyers simultaneously.
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