How Much Is Your Structured Settlement
Annuity Really Worth?

How Much Is a Structured Settlement Annuity Worth in 2026?

The value of a structured settlement annuity depends on your monthly payment amount, years remaining, the payment frequency, and the discount rate a buyer applies. In 2026, internal rates of return on structured settlement annuities range from 4.5% to 5.5%, which translates to a tax-free equivalent of over 7% compared to taxable investments. When you sell your structured settlement, buyers typically apply discount rates between 9% and 18% — the lower the rate, the more cash you receive.

Structured Settlement Annuity Payout Table: 2026 Market Rates

The payout table above shows exactly how much you would receive at each discount rate tier. A rate under 10% is considered excellent and typically goes to large settlements from sellers who obtain multiple competing quotes. The average range of 10-13% is what most sellers receive. Anything above 14% should raise concerns — it means the buyer is taking a disproportionate share of your future payments. Our AI-powered analyzer uses real 2026 market data from 26+ licensed buyers to calculate your specific payout at each rate.

Should You Sell Your Structured Settlement Annuity or Keep It?

This is the most important financial decision you may face. Structured settlement annuities provide guaranteed, tax-free income — something no other financial product can match. Research shows that over 90% of people who take lump-sum payments spend all the money within five years. However, there are legitimate reasons to sell: paying off high-interest debt, covering medical emergencies, buying a home, or funding education. Our AI analyzer evaluates your specific situation and provides a personalized recommendation based on your payment amount, timeline, and reason for selling.