Net proceeds · results update as you type

What you’ll actually keep from a sale

Child support, tax liens, judgments and fees are usually paid straight out of a sale before you get anything. Enter the offer and what’s owed to see the cash that will really reach you.

Med F., Settlement AnalystUpdated October 29, 2026

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Offer or purchase price

The cash price on the offer, not the total of your future payments.

Child-support arrears

Use a current payoff letter if you have one.

Federal or state tax lien

The amount on the latest payoff notice.

Judgments or creditor claims

Only debts with a judgment or lien attached.

Bankruptcy or trustee amount

Only an amount set by the trustee or your attorney.

Other required payoffs

Anything else that must be paid from the sale.

Transaction expenses

Filing, legal and processing costs on the disclosure.

Your result

You’d keep about $98,500

Offer

$100,000

Paid out first

$1,500

Share you keep

99%

Transaction expenses$1,500
To you$98,500

Find a buyer that handles liens

Some buyers routinely pay off support and tax liens at closing. We'll ask for written quotes that show your real net amount.

Payments remaining (approx.)

When do you need cash?

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Quick answer

How much do you actually get when you sell a structured settlement with liens?

Start with the cash price on the offer, then subtract everything that must be paid at closing: child-support arrears, tax liens, judgments, any bankruptcy trustee amount and the transaction expenses. What’s left is your net proceeds.

For example, a $100,000 offer with $5,000 of support arrears, a $10,000 tax lien and $1,500 of expenses leaves about $83,500.

FAQ

Frequently asked questions

What reduces my structured settlement sale proceeds?

Anything that must be paid off when the sale closes: child-support arrears, tax liens, court judgments, bankruptcy trustee amounts and the transaction expenses listed on your disclosure statement. These are usually paid directly from the sale before you receive the rest.

Can child support be taken from my settlement sale?

Often, yes. Many state laws and court orders require past-due child support to be paid from transfer proceeds. The court reviewing your sale will usually ask about support obligations.

Do tax liens get paid first?

A federal or state tax lien attached to your payments generally has to be satisfied at closing, so it comes out before you're paid. Get a current payoff letter from the IRS or state agency.

What if my debts are more than the sale price?

Then a sale may leave you with nothing, or not be approved at all. Talk to a qualified attorney about options such as a payment plan, a partial sale or bankruptcy protection before you sell.

Keep going

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This tool gives educational estimates only. It is not a quote, a guarantee, or legal, tax or financial advice. Actual offers depend on your payment schedule, the annuity issuer, the buyer and your state's court. Talk to a qualified financial advisor and, where your state requires it, an independent professional before you sell.