Settlement Decisions
Offer analyzer · upload a PDF or type it in

Is your structured settlement offer fair?

Upload the offer letter or disclosure statement, or type in the numbers. You’ll see the real discount rate, a grade from A to F, how much you may be leaving on the table, and a letter you can send to get a better number.

Med F., Settlement AnalystUpdated October 29, 2026

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or drag it here · PDF or .txt, up to 15 MB

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Quick answer

How do you tell if a structured settlement offer is fair?

Turn the offer into an effective annual discount rate: the yearly return the buyer earns by paying you less today. Compare it with typical market bands. Around 9% to 11.5% is strong to good, 11.5% to 13.5% is fair but negotiable, and anything above 16% is usually worth walking away from.

For example, selling $1,000 a month for 10 years ($120,000 in total) for $75,000 works out to about 10%. Selling the same payments for $60,000 works out to about 16%.

Before you sign

Four checks that protect your payout

Get it in writing

The net amount, the rate and every fee should be on the disclosure statement.

Compare three quotes

Ask at least three buyers to price the same payments.

Sell only what you need

A partial sale often gets a better rate and keeps income coming.

Get independent advice

A qualified advisor or attorney who isn't paid by the buyer.

Learn how the numbers on a disclosure work in the disclosure statement guide, and who pays which costs in who pays the legal fees.

FAQ

Frequently asked questions

How do I know if my structured settlement offer is fair?
Work out the effective annual discount rate the offer implies. Offers at roughly 9% to 11.5% are strong to good, 11.5% to 13.5% are fair but worth negotiating, and above 16% is usually a walk-away. This tool calculates the rate from the cash you'd receive and the payments you'd give up.
Is my uploaded offer sent anywhere?
No. The PDF or text is read inside your browser to find the numbers. The file itself isn't uploaded or stored. Only the details you choose to submit in the quote form are sent.
Why is my calculated rate different from the rate in my disclosure?
Buyers sometimes quote a rate before fees, or calculate it differently. This tool uses the net amount you'd actually receive, after expenses. If the gap is more than a point, ask the buyer to explain it in writing.
What should I do if my offer gets a D or F?
Don't sign yet. Ask at least two more buyers for written quotes on the same payments, send the negotiation letter, and consider selling fewer payments. A judge also has to approve the sale and may reject an unfair rate.
Which documents can I upload?
Any text-based PDF, such as an offer letter, purchase agreement or disclosure statement. Scanned images can't be read; in that case type the numbers in or paste the text.
Does this replace legal or financial advice?
No. It's an educational estimate. Talk to a qualified financial advisor and, where your state requires it, an independent attorney before you sign a transfer agreement.

Keep going

Other free tools

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Instant offer estimateLump-sum range across market discount rates.
Sell or keepAn honest read on whether selling fits your situation.

This tool gives educational estimates only. It is not a quote, a guarantee, or legal, tax or financial advice. Actual offers depend on your payment schedule, the annuity issuer, the buyer and your state's court. Talk to a qualified financial advisor and, where your state requires it, an independent professional before you sell.