Who Is This Calculator For?

Whether you agreed to a structured settlement to resolve a personal injury, medical malpractice or wrongful death lawsuit, or you inherited a structured settlement from a loved one, this calculator can estimate the current cash value of your future payments.

A structured settlement is a negotiated arrangement whereby an injured party in a court case receives a settlement as a series of payments, as opposed to a lump sum, to provide financial security for an extended period of time.

However, life circumstances can change, and you may need access to cash now. You have the option to sell the rights to your future payments and gain the financial freedom to make a major purchase, pay down debt or take care of another urgent financial need.

People Who May Benefit From a Free Estimate
  • Anyone thinking about selling the rights to future payments
  • Beneficiaries who have inherited a structured settlement from a loved one
  • Plaintiffs who resolved a civil lawsuit by agreeing to a structured settlement

But perhaps you are receiving a payment stream that did not stem from a legal arrangement. Even if you do not have a structured settlement, you can use this calculator to estimate the value of other types of income streams, including:

  • Lottery winnings
  • Pensions
  • Workers’ compensation
  • Commercial annuities

Calculator Limitations

While this calculator can get the process of selling your structured settlement underway, it may not account for certain features that are specific to your agreement. When you use the calculator, you can expect a quote using a basic formula based on fixed variables. Email or call us to receive a personalized offer.

How Much Is My Settlement Worth?

Our calculator is specifically designed to evaluate the time, interest and long-term value of your settlement.

The calculator’s estimate may be lower than you anticipated. When you sell your future payments, you will be charged a discount rate, often between 9 percent and 18 percent, to account for the risks the buyer is inheriting along with the rights to your future payments.

Understand though that selling a portion of your payments or changing any of the calculator terms changes your cash-out value. If your terms change after you use the calculator, please call to update us.

Factors for Calculating Your Settlement’s Worth

  • Icon - Money Question - 64px
    When are you scheduled to receive payments? Payments expected in five years versus 20 years have a different value.
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  • Icon - Calculator - 64px
    What’s the dollar amount of every payment? The size of each future payment impacts the overall sum you can walk away with.
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  • Icon - Money Hand - 64px
    ​​How often do you get payments? From monthly to annual installments, structured settlements can be designed differently.
    Free Estimate

What Is the Process for Selling My Structured Settlement?

Using this structured settlement calculator to get a custom estimate is a great starting point for a sales process that can take 45 to 90 days. By knowing what to expect and being prepared each step of the way, you can sell your structured settlement payments with confidence.

Steps for Selling Your Structured Settlement

Step 1: Determine your needs.
As you get started, answer these essential questions: What is my reason for selling? How much money do I need? Should I sell the entire settlement or only a portion?
Step 2: Research potential purchasing companies and compare quotes.
Do your research. You have many options to choose from when it comes to purchasing companies. Most offer free quotes to help you determine the number of payments you would have to sell to get the amount of cash you need.
Step 3: Complete paperwork with the help of your attorney.
An attorney can help you navigate any legalese and file the necessary documentation.
Step 4: Get approval from a judge.
Structured settlements stem from litigation, so a court hearing is standard practice to sell the rights to future payments. The judge’s role is to ensure the sale is in your best interest.
Step 5: Receive your money.
After receiving the judge’s approval, the purchasing company will then provide your payout.

For more information, download our free Guide to Selling Your Structured Settlement Payments.


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Last Modified: May 8, 2023

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  1. U.S. Securities and Exchange Commission. (n.d.). Pension or Settlement Income Streams: What You Need to Know Before Buying or Selling Them. Retrieved from https://www.sec.gov/files/ib_income_streams.pdf