Structured Settlement Calculator:
| Amount of payment to sell | $ | per month
per month
one-time payment
every ___ week(s)
every ___ month(s)
every ___ year(s)
|
||
| Number of payments to sell | ||||
Time till these payments begin  This is the amount of time between: The day you receive the Lump Sum Amount until The day the first Sold Payment begins |
days
days
weeks
months
years
|
|||
| Discount rate (cost of selling) This is the Effective Discount Rate that includes all costs/fees. A lower rate means you get more money or have to sell less of your payments. Typical range: 6% to 12% or higher. |
% per year | |||
| Find ▶︎ | Present value (lump sum amount) | $ |
| Total Payments Selling | ||
| Present Value | ||
| Difference | ||
| Percent Change |
Calculator Instructions:
- Select the item you would like to find. Fill in the other values. Answer will appear.
- Note: values can also be changed by scrolling mouse or pressing/holding arrow keys.
Answers from the structured settlement calculator provide a rough estimate. Please note that the effective discount rate charged by a structured settlement purchaser depends on many factors such as: the structured settlement purchaser's cost of money, selling guaranteed or life contingent payments, negotiation ability to get a lower (better) rate, the amount of payments you are selling (smaller transactions may have a higher discount rate due to factors like legal/court costs being a larger part of an overall small transaction amount), etc.
Example 1:
Find the number of payments to sell to get the lump sum amount you need.| Amount of payment to sell: | $ 1,200.00 per month |
| Number of payments to sell: | Find this answer |
| Time till these payments begin: | 1 year |
| Discount rate (cost of selling): | 7% |
| Lump sum amount needed: | $ 60,000.00 |
Select the "find" button in the "Number of payments to sell" row. Entering the values above into the structured settlement calculator will give you the answer of: 63.5 payments. So, 63.5 payments of $1200 per month need to be sold to get a lump sum payment of $60,000. Change some of the other values to see how they affect the "Number of payments" answer.
Click to scroll up and show this example in the calculator above.
Example 2:
Find the amount of payment to sell to get the lump sum amount you need.| Amount of payment to sell: | Find this answer when selling a payment every 2 months |
| Number of payments to sell: | 60 |
| Time till these payments begin: | 6 months |
| Discount rate (cost of selling): | 7.0% |
| Lump sum amount needed: | $ 75,000.00 |
Select the "find" button in the "Amount of payment to sell" row. Entering the values above into the structured settlement calculator will give you the answer of: $1,769.38 So 60 payments of $1,769.38 every 2 months need to be sold to get a lump sum payment of $75,000. Change some of the other values (like changing payment frequency to every month) to see how they affect the "Amount of payment" answer.
Click to scroll up and show this example in the calculator above.
Example 3:
Find lump sum amount (present value) when selling a one-time payment.| Amount of payment to sell: | $25,000 one-time payment |
| Number of payments to sell: | 1 |
| Time till these payments begin: | 3 years |
| Discount rate (cost of selling): | 10.0% |
| Lump sum amount: | Find this answer |
Select the "find" button in the "Present value (lump sum amount)" row. Entering the values above into the structured settlement calculator will give you the answer of: $18,782.87 So selling 1 payment of $25,000 that occurs in 3 years will provide a lump sum payment of $18,782.87. Change some of the other values to see how they affect the "Present value (lump sum amount)" answer.
Click to scroll up and show this example in the calculator above.