Structured Settlement Calculator:
How Much Is My Settlement Worth?
Enter your payment details below. See your real lump-sum value at every discount rate from 7% to 18% — based on the same formula buyers use on 3,800+ court-filed transactions.
Calculate Your Settlement Value
Adjust the sliders to match your structured settlement. Results update instantly.
Your Settlement Value
Your Value at Every Discount Rate
See exactly how much each percentage point costs you. Based on your $2,500/month for 10 years.
| Rate | Lump Sum | % of Face | vs. Best (7.5%) |
|---|---|---|---|
| 7.5% | $210,612 | 70% | — |
| 9% | $197,354 | 66% | -$13,258 |
| 10% | $189,178 | 63% | -$21,434 |
| 11% (selected) | $181,488 | 60% | -$29,124 |
| 12% | $174,251 | 58% | -$36,361 |
| 13% | $167,436 | 56% | -$43,176 |
| 14% | $161,014 | 54% | -$49,598 |
| 16% | $149,242 | 50% | -$61,370 |
| 18% | $138,746 | 46% | -$71,866 |
Estimated Offer by Company
Based on each buyer's average discount rate from court filings. Your actual quote may vary.
Data: Average effective discount rates from court-filed transactions 2024-2026. Individual quotes vary by payment type, issuer, and negotiation.
How the Calculator Works (The Math)
Every buyer uses this exact formula. Understanding it means no one can overcharge you.
The Present Value of Annuity Formula
Your Numbers Applied
PMT = $2,500/month
r = 11% ÷ 12 = 0.9167% per month
n = 10 years × 12 = 120 months
PV = $181,488
Why Distant Payments Are Worth Less
A $2,500 payment arriving next month is worth ~$2,477 today (at 11%). That same $2,500 arriving in year 10 is worth only ~$1,335 today. The discount compounds over time — which is why longer payment streams get lower percentages of face value.
Test Your Settlement Value Knowledge
5 questions most sellers get wrong — costing them thousands.
Your settlement pays $3,000/month for 12 years. The face value is:
Frequently Asked Questions
Get Your Real Quote (Not an Estimate)
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Sources & Methodology
Present value formula: Standard annuity PV calculation with monthly compounding. PV = PMT × [(1 - (1 + r/12)^(-n×12)) / (r/12)]. Same formula used by all major structured settlement buyers.
Company rates: Average effective discount rates from 3,800+ court-filed transfer orders (2024-2026). Mystery shopping verification (2025-2026). See individual company reviews for detailed methodology.
Profile adjustments: Life contingent premium (+2-4%) based on mortality risk pricing in court filings. Issuer tier adjustments from rate differential analysis across A++, A, and below-A rated carriers.
Tax treatment: IRC 104(a)(2) (tax-free status preserved), IRC 5891 (40% excise tax on non-court-approved transfers).