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Advanced Multi-Scenario Calculator
5 discount rate scenarios, inflation analysis, opportunity cost, and payment breakdowns.
Advanced Settlement Calculator
Go beyond basic calculations. See best/worst case scenarios, inflation impact, opportunity cost, and what your settlement is really worth today.
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Frequently Asked Questions
A buyout transfers your future payment rights to a purchasing company in exchange for a lump sum. The process requires court approval under your state's Structured Settlement Protection Act, typically taking 30-60 days.
The lump sum depends on your discount rate. At 10% discount, a $200,000 settlement over 15 years yields approximately $95,000. At 14%, approximately $72,000. Our calculator shows your exact range based on current market rates.
Buyout percentages range from 40-75% of total future value. Larger settlements ($100k+) typically get better percentages (60-75%). Smaller settlements ($30k-$50k) average 45-60%.
Yes. You can sell any portion of your remaining payments at any time, subject to court approval. There is no penalty for early sale, but discount rates are higher for longer payment streams.
Major buyers include DRB Capital, SenecaOne, Peachtree Financial, JG Wentworth, CBC Settlement Funding, and Liberty Settlement Funding. Our tool compares offers from 26+ licensed buyers.
Physical injury settlements typically remain tax-free even when sold (IRC 104(a)(2)). Workers' compensation structured settlements are also generally tax-free. Punitive damage or employment-related settlements may have tax implications.
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Available in All 50 States
Our tools work for structured settlement holders in every state including California, Florida, Texas, New York, Illinois, Pennsylvania, Ohio, and all others. State-specific discount rates and court timelines are factored into your results.
Frequently Asked Questions
Expert answers to common questions about structured settlements
How much is my structured settlement worth in 2026?
Depends on total future payments, years remaining, and discount rate. Rough guide: $100,000 settlement (10 years) is worth $58,000-$78,000 as lump sum at current rates (9-14%). Use our calculator for personalized estimate.
How is present value calculated?
Each future payment is discounted back to today using the buyer discount rate. A $1,000 monthly payment due in 5 years at 10% has present value of about $614. Accounts for frequency, term, and payment type.
What discount rate will a buyer use?
Based on: state competition (7.5-18%), settlement size (larger = lower), payment type (guaranteed vs life-contingent), remaining term, and market conditions. Competitive rates in May 2026 are 9-12%.
Should I sell all or just part of my settlement?
Partial sales preserve long-term income while providing cash. Slightly higher discount rate (1-2% more) but keeps income flowing. Our calculator shows both scenarios for comparison.
How does inflation affect my settlement value?
At 3% inflation, $2,000/month feels like $1,480 in 10 years and $1,100 in 20 years. This argues FOR selling - converting future dollars to today dollars lets you invest at full purchasing power.
What is the opportunity cost of keeping my settlement?
If you could invest a lump sum at 7-10% returns (S&P 500 average), keeping a settlement earning 0% growth means losing $3,000-$10,000 annually per $100K. Our calculator models this comparison.
How accurate are settlement calculators?
Within 5-10% of actual market offers. Variables affecting accuracy: life-contingent clauses, insurance company rating, current conditions. For exact numbers, get real quotes from 3+ buyers - free and takes 2 days.
Can I sell a life-contingent settlement?
Yes but expect 15-25% less than equivalent guaranteed settlement because buyers assume mortality risk. Age and health affect calculation. Some buyers specialize in life-contingent purchases.
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