Structured Settlement Calculator
Find the present value (lump sum) of your future structured settlement or annuity payments. Calculates true discount rates and factoring company buyout estimates.
Find the present value (lump sum) of your future structured settlement or annuity payments. Calculates true discount rates and factoring company buyout estimates.
Calculate how much cash you'd get selling payments today
A structured settlement pays you tax-free money over time (an annuity). When you decide you want to sell your payments to a factoring company (like JG Wentworth) for a lump sum today, they apply a Discount Rate.
The discount rate represents the cost of cashing out early—it is the yield the purchasing company expects to make on their investment. If a company buys $100,000 of your future payments using a 14% discount rate, you will only receive about $60,000 to $70,000 today depending on the timeline.
Under the Structured Settlement Protection Act (enacted in 49 states), any sale of your settlement rights must be approved by a local county judge. The judge must determine that the sale is in your "best interest" and that the discount rate is fair.
15+ years practicing personal injury law. Former insurance defense attorney turned plaintiff's advocate. Member of the American Association for Justice. Robert ensures that all our calculators meet the highest standard of legal accuracy.