Structured Settlement Buyout Calculator
AI-powered valuation in 60 seconds
Powered by AI + real market data
How Our AI-Powered Calculator Works
Unlike basic calculators, our tool uses real market data including company-specific discount rates, settlement size adjustments, and AI-powered analysis to give you the most accurate estimate possible.
Understanding Your Results
The range shown reflects actual market conditions. Your rate depends on insurance company, settlement size, buyer competition, and state laws. The AI advisor provides personalized guidance for your exact situation.
Why Our Calculator Is Different
We combine present value mathematics with real industry data from 26+ companies. Our AI advisor analyzes your situation and provides actionable negotiation tips that could save you thousands.
Frequently Asked Questions
How accurate is this calculator?
Uses industry-standard present value formulas with 9%-18% discount rates matching what major buyers use.
What discount rate will I get?
Most buyers offer 9%-18%. Comparing 3+ quotes typically gets you rates 2-5% lower.
Is it free?
Yes, 100% free. No login or credit card required. Buyers pay us a referral fee.
How long does selling take?
Typically 30-60 days from start to court approval.
Will I pay taxes?
Physical injury settlements typically remain tax-free when sold. Consult a tax professional.
Can I sell only part?
Yes, partial sales are common. Sell some payments and keep the rest.
Do I need a lawyer?
Not required in most states but recommended. Many buyers cover legal costs.
Last Updated: May 6, 2026 | Next Scheduled Review: June 6, 2026