NEWFree Tool

Structured Settlement Net Proceeds Calculator

Estimate what may remain after disclosed liens, obligations and transaction expenses.

Free visual estimate - no signup required

See What Could Remain After Liens and Obligations

Enter an estimated purchase price and known obligations. The tool generates a net-proceeds estimate, deduction waterfall and visual breakdown before you request a professional review.

Quick answer

A lien, child-support balance, tax debt or bankruptcy does not produce one automatic answer. The relevant amount, legal priority, ownership of the payment rights and required court authorization must be reviewed. This calculator performs arithmetic only.

Your numbers

Enter the proposed transaction

This tool sends only the financial numbers below to the isolated calculation API. It does not request or transmit contact details.

Estimated purchase price or written offer

Use the proposed cash price, not total future face value.Child-support payoff

Enter a current verified amount if available.Federal or state tax lien

Enter the amount shown on current payoff information.Judgments or creditor claims

Do not assume an ordinary debt is automatically a lien.Bankruptcy or trustee amount

Use only an amount identified by qualified counsel or the trustee.Other disclosed obligations

Add other amounts that may require review.Transaction expenses

Enter disclosed expenses expected to reduce proceeds.

Your visual report appears here

Generate an estimated net amount, deduction waterfall and color-coded proceeds chart.

How the net-proceeds estimate works

The estimate begins with the proposed gross purchase price. It then subtracts only the obligations and expenses entered by the user. The result is not a legal determination that a creditor can reach the payment rights or that an obligation must be paid at closing.

STEP 1

Enter the proposed price

Use a written offer or a reasonable estimate. Do not use the total face value of all future payments.

STEP 2

Add known obligations

Use current payoff information when available. Do not assume a collection-account balance is automatically an enforceable lien.

STEP 3

Request document review

A purchaser and qualified professionals must review ownership, priority, state law, court orders and transfer eligibility.

Debt and lien are not interchangeable

A debt is an obligation to pay. A lien is a legal claim against identified property or rights to property. A bankruptcy estate, support order, tax lien, levy or judgment may raise different questions. Never rely on this calculator to determine ownership, enforceability or legal priority.

Related Settlement Decisions resources

Lien, child support and bankruptcy guide Structured settlement sale process Analyze an existing offer

Frequently asked questions

Can a lien prevent a structured settlement sale?

A lien does not create one universal result. Its effect depends on validity, priority, the property it reaches, state law, court orders and the proposed transaction. A purchaser and qualified professionals must review the documents.

Can child-support arrears be paid from sale proceeds?

A proposed transaction may account for verified child-support obligations, but the required treatment depends on applicable enforcement orders, state law and court review. The calculator does not determine legal priority.

What happens if obligations exceed the purchase price?

The calculator displays a shortfall instead of negative net proceeds. That result indicates that the proposed transaction requires additional review and may need to be changed or may not be available.

Is the calculator result a guaranteed DRB Capital offer?

No. It is an educational estimate based only on numbers entered by the user. DRB Capital determines whether it can consider a transaction and any actual terms after reviewing the payment documents and circumstances.

Primary legal references

26 U.S.C. Section 5891 - structured settlement factoring transactions.
26 U.S.C. Section 6321 - federal tax liens.
11 U.S.C. Section 541 - property of a bankruptcy estate.
11 U.S.C. Section 522 - bankruptcy exemptions.
IRS: Understanding a Federal Tax Lien

SettlementDecisions.com may receive compensation from DRB Capital, LLC for qualified referrals. Settlement Decisions is not a purchaser, law firm, tax adviser or bankruptcy professional. DRB Capital determines whether it can consider a transaction and any actual terms. This tool is educational and is not legal, tax, investment or financial advice.