AI Settlement Offer Analyzer
Reveal the hidden discount rate in your offer. Get an instant grade. Generate a counter-offer letter that gets you 15-25% more.
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Treasury Rate
Live
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National Avg Rate
2026
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Fair Rate Range
Guaranteed streams
26+
Active Buyers
Licensed & competing
Enter Your Offer Details
Your data stays in your browser. Nothing is stored or shared.
From your settlement payment schedule
Total number of monthly payments in this offer
The cash amount the buyer offered
Face Value
$180,000
Offered
$95,000
Giving Up
$85,000
Cents/Dollar
52.8¢
How the AI Settlement Offer Analyzer Works
When you receive an offer to sell structured settlement payments, the buyer presents a single number: your lump sum. What they do not reveal is the effective annual discount rate buried inside that number. This is the percentage they charge you for accessing your own money early.
Our AI Offer Analyzer reverse-engineers that hidden rate using the present value formula, then compares it against live U.S. Treasury Bond rates (currently ...) and real mystery-shopping data from 26+ licensed buyers. The result is an instant, objective grade from A+ (top 5%) to F (potentially unconscionable terms a judge may reject).
The negotiation letter generator uses your specific numbers, your state’s Structured Settlement Protection Act requirements, and current market benchmarks to produce a professional counter-offer letter. This demonstrates to the buyer that you understand market rates, have competing offers, and will not accept predatory terms — the three signals that produce revised offers 15–25% higher than the original.
Why Most First Offers Are Unfair
Industry data shows the average first offer contains a discount rate 3–7 points above what the same buyer will accept after negotiation. On a $180,000 payment stream, that gap represents $12,000–$28,000 in lost value. Buyers count on sellers not knowing how to calculate the implied rate.
The national average discount rate in 2026 is ...(down from 13.2% in January 2025). Top-tier buyers regularly offer 7.5–12% on guaranteed streams. If your offer implies a rate above 14%, you are almost certainly leaving thousands on the table.
What Judges Look For
Every state requires court approvalbefore you can sell structured settlement payments. Judges apply a “best interest” standard and explicitly consider whether the discount rate is reasonable. Rates above 18% face heavy scrutiny. Having a counter-offer letter that demonstrates market awareness strengthens your petition.
For a complete walkthrough of the selling process, read our Complete 2026 Reference Notebook covering all 50 states, tax treatment, buyer rankings, and step-by-step instructions.
Frequently Asked Questions
Is this tool really free?
Yes. 100% free, no signup, no email capture. Your data is processed entirely in your browser and never touches our servers.
How accurate is the discount rate calculation?
Mathematically precise to within 0.01%. We use the exact same present value formula that every buyer uses to price your payments.
Will the counter-offer letter actually work?
Data shows sellers who demonstrate market knowledge and mention competing offers receive revised offers 15-25% higher. The letter establishes you as an informed seller who cannot be lowballed.
What if my offer grades well (A or B)?
Then you likely have a fair offer. We still recommend 1-2 competing quotes to confirm, but you can proceed with confidence knowing you are in the fair market range.
Can I analyze multiple offers?
Yes. Click 'Analyze Another Offer' after each result. The tool tracks all your offers in a comparison table so you can see which buyer is giving the best terms.
What discount rate should I accept?
In 2026, rates of 8-12% are good for guaranteed payment streams. The national average is 10.3%. Above 14% warrants negotiation. Above 18% is predatory.