Structured Settlement Payout Calculator

Every structured settlement buyout offer boils down to one formula: the present value of an ordinary annuity. When a company like JG Wentworth, DRB Capital, or Peachtree Financial makes you an offer, they take your future payment stream and discount it back to today's dollars using a rate that reflects their cost of capital, risk, and profit margin.

The formula is: PV = PMT x [(1 - (1 + r)^(-n)) / r], where PMT is your periodic payment, r is the discount rate per period (annual rate divided by payments per year), and n is the total number of remaining payments.

Our calculator runs this formula at three realistic discount rates - 9%, 12%, and 15% - so you can see the full range of what buyers might offer. The best-rated buyers with strong competition in your state will be closer to 9%, while a single buyer with no competition might push 15% or higher.

For the most accurate estimate tailored to your specific insurance company and state, use our main AI-powered calculator which factors in company-specific data from 26+ buyers.