Our Mission
SettlementCalculator was founded with a simple but powerful mission: to level the playing field between accident victims and insurance companies. When you're injured in an accident, the last thing you need is uncertainty about what fair compensation looks like. Insurance companies have teams of adjusters, actuaries, and attorneys working to minimize your payout. We believe you deserve access to the same knowledge and tools — for free.
Our suite of interactive calculators uses the same formulas and methodologies that insurance companies use internally. Every calculator is reviewed by licensed attorneys and financial professionals to ensure accuracy and reliability. Since our launch, over 500,000 users have used our tools to better understand the value of their claims.
Our Editorial Standards
We hold ourselves to the highest standards of accuracy, transparency, and integrity. Our content follows the principles of E-E-A-T (Experience, Expertise, Authoritativeness, and Trustworthiness):
- Experience: Our content is informed by real-world case outcomes and practitioner insights. Our contributors include practicing attorneys and claims professionals who handle settlement negotiations daily
- Expertise: Every calculator and educational article is developed by subject matter experts — attorneys specializing in personal injury, insurance claims analysts, and certified financial planners
- Authoritativeness: We cite authoritative sources including the American Bar Association, NHTSA, IRS, and Bureau of Labor Statistics
- Trustworthiness: We never sell leads. We never recommend specific attorneys or law firms for compensation. Our calculators have no hidden agendas. What you see is what you get
Our Expert Team
Robert J. Mitchell, Esq. in
Lead Legal Advisor
15+ years practicing personal injury law. Former insurance defense attorney turned plaintiff's advocate. Licensed in California, Texas, and New York. Member of the American Association for Justice.
Sarah Chen, CPCU in
Insurance Claims Analyst
12 years of claims adjusting experience at major insurers. Chartered Property Casualty Underwriter (CPCU) designation. Specializes in auto liability and bodily injury claims valuation.
David Park, CFP® in
Financial Planning Director
Certified Financial Planner with 10+ years advising clients on settlement structuring, tax implications, and long-term financial planning after injury. Former tax consultant at a Big Four firm.
How Our Calculators Work
Our calculators are built on established industry methodologies:
- Settlement calculators use the multiplier method and per diem method — the same approaches used by insurance adjusters to value claims
- State-specific rules are incorporated using current comparative fault laws, damage caps, and statute of limitations data for all 50 states
- Financial calculators use standard amortization formulas, actuarial tables, and current IRS tax brackets
- Data sources include NHTSA crash statistics, BLS wage data, NAIC insurance rate data, and published court settlement records
All calculators are free to use with no sign-up required. We do not sell your data or share your information.
Contact Us
Have questions, feedback, or suggestions? We'd love to hear from you. Visit our contact page or email us directly at [email protected].
Legal Disclaimer
SettlementCalculator provides informational tools only. Our calculators do not constitute legal or financial advice. Results are estimates based on general industry formulas and publicly available data. Actual settlement amounts depend on numerous case-specific factors. Always consult with a qualified attorney or financial professional for guidance specific to your situation.