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Your Money, Your Way

At My Settlement, we understand that rigid payment plans can make it hard to accomplish goals, pay off debts, and invest in you and your family’s future.
Our experienced professionals work with you, one-on-one, to sell your future payments so that you can get the cash you need fast. We also provide more information about structured settlement early withdrawals.
Use our structured settlement calculator to get an assessment and quick hassle-free estimate for a lump sum payment.
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How its Works

Structured Settlement Calculator

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Why Use Our Structured Settlement Calculator?

Our structured settlement calculator provides a fast, reliable way to estimate the present value of your structured settlement, annuity, or lottery payments. It gives you a better understanding of what your future payments may be worth today. If you are considering selling your strucutred settlement payments for a lump sum of cash, My Settlement is here to help you make informed decisions about the process. Keep reading to learn more!
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Understanding the Value of Your Structured Settlement

When evaluating a structured settlement or considering selling future payments, it’s essential to understand the concept of present value. This concept comes from the time value of money — the principle that a dollar today is worth more than a dollar received years from now.

Accordingly, annuity valuation involves calculating the present value of a stream of future payments. For example, state law defines the “discounted present value” of a structured settlement as the current value of all future payments discounted to today’s dollars using an appropriate interest rate. This concept ensures that a fair comparison can be made between receiving smaller payments over time versus a larger lump sum upfront. In practice, companies that purchase structured settlement payments apply a discount rate to the remaining payments – reflecting interest rates, inflation, and risk – to determine the lump sum’s present worth. Settlement buyers use this logic to calculate the current value of your future payouts.

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

What is the Process for Selling My Structured Settlement?

Know What You're Owed

Use our structured settlement calculator to estimate how much your structured settlement or annuity payments are worth today. Knowing your future payment value helps you understand the potential lump sum amount a buyer may offer.

Find a Suitable Purchasing Company

Compare top companies that buy structured settlements. Look for firms offering competitive quotes, fast approval times, and transparency throughout the process. At My Settlement we keep a list of Best Structured Settlement Purchasing Companies.

Receive Your Money!

Compare top companies that buy structured settlements. Look for firms offering competitive quotes, fast approval times, and transparency throughout the process. At My Settlement we keep a list of Best Structured Settlement Purchasing Companies.

Complete the Paperwork

Structured settlement transfers require standardized documents to verify your agreement. You’ll submit identification, payment schedule details, and sign a purchase agreement. Once you’ve completed the necessary documents, many companies offer signing bonuses and other incentives to assist you before your transaction is finalized. At My Settlement we keep an up-to-date list of Top Structured Settlement Companies That Offer Bonuses.

Gain Approval From a Judge

Most states require a judge to approve the sale of a structured settlement or annuity. This protects your best interests and confirms you’re making a financially informed decision. If you have questions about this process you should check out our article on Why Do I Need Court Approval to Sell My Settlement?
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Structured Settlement Calculator FAQs

Does the Structured Settlement Calculator work for Annuities or Lottery Payments?
Yes, our calculator supports annuities and lottery payments as well. The valuation logic is similar because all these financial products involve recurring future payments discounted to present value.
Our dynamic calculator algorithm takes into account multiple variables like payment amount, frequency, number of remaining payments, start date, and an investor-grade discount rate to determine a realistic estimate of what your structured settlement may be worth today.
Yes, some buyers offer advances or bonuses while your structured settlement sale is pending court approval. These are usually deducted from your purchase price. Review all terms carefully and consult a financial advisor to understand the full impact of the transaction.
Several key factors affect the calculation, including your payment frequency, total number of future payments, the start date of those payments, and the discount rate used by buyers to convert future payments into present-day value.
Yes, in most cases, selling a structured settlement requires approval from a judge. This legal safeguard ensures that the sale is in your best financial interest and that you understand the terms of the transaction.

Sources & References

The team at My Settlement is committed to providing you with the most accurate and up-to-date information on all the financial implications of your settlement.
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what Clients say About Us

Customer satisfaction speaks louder than anything we can say

Excellent and very helpful
Lorenzo G.
Nichole was amazing from start to finish. Had everything signed and done in a timely manner. Expressed my urgency to her and she was on it. Great company that is compassionate, professional and very ethical.
Anthony T.
Nichole is the best.🙏🏼
Great customer service they responded to text messages in a timely manner and just overall did their job and doing everything they could make this happen as fast as possible thanks guys
Jesse R.
Nicole was absolutely amazing, she was so helpful, & made sure to keep me very well updated through the entire process, she went above and beyond to help me when I really needed it most I cant thank her or the rest of the team enough
Rhoda C.