Developer

Settlement API

Free REST API for structured settlement calculations, state law data, market benchmarks, and AI-powered analysis. Build settlement tools with our infrastructure.

Endpoints

30/min

Rate Limit

Free

No API Key

Powered

Quick Start

No API key required. Just make HTTP requests to our endpoints:

curl "https://www.settlementdecisions.com/api/settlement-api?action=calculate&monthly=2500&years=15"

CORS enabled HTTPS only 30 requests/min free tier

GET/api/settlement-api?action=calculate

Calculate Present Value

Calculate the present value of a structured settlement payment stream at various discount rates.

Parameters

Name	Type	Required	Description
monthly	number	Yes	Monthly payment amount in dollars
years	number	Yes	Years remaining on the settlement
rate	number	No	Discount rate % (default: 12)
frequency	string	No	Payment frequency: monthly \| quarterly \| annual

Example Request

/api/settlement-api?action=calculate&monthly=2500&years=15&rate=11

Example Response

{
  "input": { "monthly": 2500, "years": 15, "rate": 11 },
  "result": {
    "presentValue": 213847,
    "totalFutureValue": 450000,
    "discount": 236153,
    "percentRetained": "47.5"
  },
  "calculations": {
    "at9pct": 243651,
    "at12pct": 208572,
    "at15pct": 179834
  }
}

GET/api/settlement-api?action=state-law

State Law Lookup

Get state-specific Structured Settlement Protection Act (SSPA) information.

Parameters

Name	Type	Required	Description
state	string	Yes	State name (e.g., california, texas, florida)

Example Request

/api/settlement-api?action=state-law&state=california

Example Response

{
  "state": "california",
  "law": {
    "waitingPeriod": "20 days",
    "courtTimeline": "30-45 days",
    "ipa": "Required",
    "cancellationRight": "3 business days",
    "notableLaw": "CA Insurance Code 10134-10139.5"
  }
}

GET/api/settlement-api?action=market-data

Market Data

Get current structured settlement market conditions and benchmarks.

Example Request

/api/settlement-api?action=market-data

Example Response

{
  "marketData": {
    "avgDiscountRate": { "national": "9-14%", "bestCase": "7-9%" },
    "activeBuyers": 26,
    "courtApprovalRate": "85-92%",
    "avgTimeline": "45-90 days"
  }
}

POST/api/settlement-api

AI Analysis

Get AI-powered analysis of any structured settlement question.

Parameters

Name	Type	Required	Description
question	string	Yes	Your structured settlement question
context	string	No	Additional context for the AI

Example Request

POST /api/settlement-api
{
  "question": "Is 13% a good discount rate for a $200k PI settlement in Texas?",
  "context": "monthly payments, 10 years remaining"
}

Example Response

{
  "answer": "13% is above the average...",
  "meta": { "apiVersion": "1.0" }
}

Who Uses This API?

Fintech Apps

Add settlement valuation to your platform without building calculation logic from scratch.

Legal Platforms

Integrate state law data and court timeline information into your legal tools.

Settlement Buyers

Use our AI analysis to provide better quotes and educate your customers.