Structured Settlement Payout Calculator
Enter your remaining structured settlement or annuity payments to see their present-day lump-sum value, an estimated net offer after buyer fees, and the real cost of cashing out early — instantly, with no signup and no phone call.
Already have a competing offer?
Enter the dollar amount a buyer has offered you for the same payment stream above, and we'll back-calculate the annual discount rate they're actually using — the number most offers don't state directly.
How this calculator works
Structured settlement and annuity buyers pay less than the sum of your future payments because money received later is worth less today. This tool applies the same present-value math buyers use internally: each future payment is discounted back to today's dollars at a monthly-compounded rate, then a one-time origination fee is subtracted to estimate the net cash you'd actually receive.
Present value formula: PV = Σ [ payment / (1 + r/12)n ], where r is the nominal annual discount rate and n is the number of months until that payment is due.
Frequently asked questions
Is this the exact amount I'll be offered? No. Real offers depend on the buyer's underwriting, your state's structured settlement protection act requirements, and mandatory court approval. This tool gives you a reference range so you can evaluate whether an offer is reasonable.
Why do discount rates vary so much between buyers? Discount rates reflect the buyer's cost of capital, risk assessment, and profit margin — they are not regulated to a single number, which is why comparing multiple offers matters.