See exactly what your settlement is worth right now.
Use our free structured settlement calculator to find out what yours is actually worth today, before anyone makes you an offer.
Structured Settlement Calculator
Get a free estimate of your lump-sum payout in under 60 seconds
Enter your details and a specialist will contact you with your free estimate — no obligation.
Your Estimated Payout
A settlement specialist will be in touch shortly with your personalized offer.
A dollar today is worth more than a dollar tomorrow.
When you calculate your structured settlement, you are applying a concept called present value. It’s the idea that money received in the future is worth less than the same amount received today. Inflation, investment opportunity, and risk all chip away at the value of a future payment over time.
Our structured settlement calculator uses the industry-standard 9% discount rate to give you a reliable ballpark estimate before you ever speak to a buyer. That means you walk into any negotiation already knowing your number, and that changes everything.
The industry-standard formula we use for our structured settlement calculator looks like this:
- PV = Present Value of Annuity
- P = Value of each payment
- r = Interest rate per period
- n = Number of payments
Now you know the number. Ready to act on it?
Most buyers won’t tell you what your settlement is actually worth. Now you know. Let’s get you a real offer.
Here’s How Selling Annuities Work
Know your number first
Use our structured settlement calculator above to get your present value estimate. It takes less than a minute and costs nothing.
Speak with a specialist
A real person reviews your settlement details and connects you with verified purchasing companies competing for your business.
Review your cash offer
No pressure, no deadline. Take your time to review your offer with full transparency on every number involved.
We handle court approval
Required by law in most states. We manage every filing and hearing on your behalf so you can focus on what comes next.
Your lump sum arrives
Once approved, funds are disbursed directly to you. Most transactions are completed within a few weeks of acceptance.
The calculator is free. The expertise behind it is 20 years deep.
Industry standard accuracy
We use the same present value formula as professional buyers. No guesswork or inflated estimates.
Works for any payment type
Structured settlements, annuities and lottery winnings are all supported. If payments are coming, we can value them.
20 years of experience
We have guided thousands of clients through the selling process. Nothing about your situation will be new to us.
Need an attorney?
We connect you to our network of attorneys who guide you every step of the way, ensuring your legal representation is flawless.
No hidden anything
Every fee is explained before you sign a single document. What you see is exactly what you get.
Nationwide coverage
We operate in all 50 states and handle court approval requirements wherever you are located.
Things people ask before they calculate
How does the calculator determine my settlement value?
It applies the present value of annuity formula using a 9% discount rate, the industry standard that most buyers also use. You enter your payment amount, payment frequency, and the number of payments remaining, and the calculator does the rest.
Does it work for annuities and lottery payments too?
Yes. Any structured stream of future payments can be valued with the same calculation — structured settlements, annuities and lottery winnings all follow the same present value logic.
How accurate is the estimate?
It is a reliable ballpark using standard market rates. Your actual offer from a buyer may vary slightly depending on your specific insurer, payment schedule and current market conditions, but the calculator gives you a strong, informed starting point.
What factors affect my structured settlement value?
The main factors are the amount of each payment, how many payments remain, how frequently they arrive, and the discount rate applied. The further away your payments are, the more value they lose to time.
Do I have to sell after I calculate?
Absolutely not. The calculator is completely free with zero obligation. Many people use it simply to understand their options before making any decision.
Your settlement has a number. Let's make it work for you.
Get a free, no obligation quote from a specialist who actually knows what your payments are worth.