Structured Settlement
Payout Calculator
See exactly what buyers will pay for your settlement. Real discount rates from 26+ licensed companies. Free, instant, no phone call.
Total Future Value
$360,000
Monthly for 15 years
180 payments
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How Much Is My Structured Settlement Cash Payout Worth?
Every structured settlement buyout offer comes down to one calculation: the present value of your future payment stream. When companies like JG Wentworth, DRB Capital, Peachtree Financial, or any of the 26+ licensed buyers make you an offer, they take your guaranteed future payments and discount them back to today's dollars using a rate that reflects their cost of capital, risk assessment, and profit margin.
The discount rate is the single most important number in any structured settlement transaction. A 1% difference on a $2,000/month settlement over 15 years equals approximately $14,000 more or less in your pocket. This is why comparing multiple buyers is critical — the spread between the best and worst offer on identical payment streams regularly exceeds $20,000.
What Discount Rate Should I Expect in 2026?
As of June 2026, the national average discount rate has fallen to 11.1%, down from 13.2% in January 2025. The best-rated buyers in competitive states (California, Florida, Texas, New York) offer rates as low as 7.5-9% on large, guaranteed payment streams. Factors that affect your rate include: settlement size (larger = better rates), payment type (guaranteed vs. life-contingent), your state's court process, the insurance company backing your annuity, and how many buyers compete for your deal.
Payout Calculator vs. Real Offers
This calculator provides an accurate estimate based on the present-value annuity formula used by every buyer in the industry. However, actual offers may vary based on your specific insurance carrier (Pacific Life, MetLife, Prudential settlements may command slight premiums), state court timelines, and current market competition. For the most accurate valuation, submit your details to receive 3-5 competing written offers from licensed buyers in your state.