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Calcimator

Settlement Estimator

Estimate potential legal settlement amounts based on damages, liability, case strength, and attorney fees. See net settlement after fees.

About this calculator

This calculator builds a rough settlement figure from the ground up, starting by adding Medical Expenses, Lost Wages, and Property Damage into economic damages, then adding your own Pain & Suffering estimate on top to get Total Damages. That total is scaled down twice before it becomes the headline Estimated Settlement: first by Liability Percentage, since a case where the other party is only 40% at fault is worth roughly 40% as much as one where they're fully responsible, and then by Case Strength, a self-assessed measure of how convincingly the evidence and facts support your version of events. Because both scaling factors are simple percentages multiplied straight through, a weak liability position and a weak evidentiary case compound against each other rather than offsetting — a 50% liability, 50% strength case nets only a quarter of the full damages total, not half.

Attorney Fees are then taken as a percentage of that already-scaled settlement amount, not off the original total damages, and subtracted to produce Net Settlement, the figure that would actually reach your pocket. The Conservative and Optimistic Estimates simply widen a fixed 30% band around the central settlement figure and are not derived from any additional legal analysis, so treat all of these numbers as a starting framework for a conversation with an attorney, not a prediction of what an insurer will actually offer or a court would award.

Inputs

$
$
$
$
%
%
%

Results

Estimated Settlement

$7,500.00

≈ 8 smartphones

Net Settlement (After Fees)

$5,025.00

≈ 5 smartphones

Total Damages$20,000.00
Attorney Fees$2,475.00
Conservative Estimate$5,250.00
Optimistic Estimate$9,750.00
How to Use This Calculator
  1. Enter your documented economic damages: medical bills, lost wages, future costs.
  2. Enter a Pain & Suffering amount based on injury severity (typically 1-5x medical expenses).
  3. Review the estimated settlement range — from Conservative Estimate to Optimistic Estimate.
  4. Check against any applicable damage caps in your jurisdiction.
  5. Use as a baseline when evaluating settlement offers from an insurance company.

How the result changes with Liability Percentage

Liability PercentageEstimated SettlementNet Settlement (After Fees)
25%$3,750.00$2,512.50
38%$5,700.00$3,819.00
75%$11,250.00$7,537.50
100%$15,000.00$10,050.00

What each input means

Medical Expenses
Total medical bills and future medical costs
Lost Wages
Income lost due to injury
Property Damage
Cost to repair or replace damaged property (vehicle, belongings, etc.).
Pain & Suffering
Estimated value for pain and suffering (typically 1-5x medical expenses)
Liability Percentage
Percentage of fault assigned to the other party (0-100%)
Case Strength
How strong is your case? (0-100%)
Attorney Fee Percentage
Attorney contingency fee percentage (typically 33-40%)

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Medical Expenses = 5000, Lost Wages = 3000, Property Damage = 2000, Pain & Suffering = 10000 = 7 input(s) provided
  2. Calculate Estimated Settlement
    Estimated Settlement
    7500 = $7,500
  3. Calculate Net Settlement
    Net Settlement
    5025 = $5,025
  4. Calculate Total Damages
    Total Damages
    20000 = $20,000
  5. Calculate Attorney Fees
    Attorney Fees
    2475 = $2,475

Engine last updated . Checked against 4 independently-derived tests — how we verify calculators. Built by Paul Gunder, a software engineer, not a licensed financial, medical, or legal professional.

Frequently Asked Questions

Why does a weak case reduce the settlement estimate so much more than expected?

Liability percentage and case strength both multiply against the same total damages figure rather than being averaged together, so their effects compound: a case at 50% liability and 50% case strength nets only 25% of full damages, not the 50% either factor alone might suggest. This mirrors how real settlement negotiations work, where genuine uncertainty on both fault and provability erodes value multiplicatively, not additively.

What does the pain and suffering figure actually represent, and how should I estimate it?

It stands in for non-economic harm — physical pain, emotional distress, and loss of enjoyment of life — that doesn't show up on a medical bill or pay stub, and this calculator takes it as a direct dollar input rather than deriving it automatically. Attorneys commonly estimate it as a multiple of medical expenses, often between 1.5 and 5 times that figure depending on injury severity and permanence, though there's no formula any court or insurer is required to follow.

Are attorney fees calculated on the total damages or on the final settlement amount?

This calculator applies the attorney fee percentage to the already liability- and strength-adjusted settlement amount, not to the raw total damages figure, which mirrors how contingency fee agreements typically work in practice. A lawyer's cut scales with what's actually recovered, so a weaker case that settles for less also produces proportionally lower attorney fees, not a fixed fee regardless of outcome.

Does this account for state damage caps or comparative negligence rules?

No — it applies a single liability percentage you provide as a blanket haircut on damages, but it doesn't know whether your state caps non-economic damages, bars recovery entirely past a certain fault threshold under a contributory negligence rule, or applies any other jurisdiction-specific limit. Checking your state's specific rules, or asking an attorney, is essential before treating this estimate as realistic.

How wide is the range between the conservative and optimistic estimates, and where does it come from?

The two figures sit at 70% and 130% of the central settlement estimate, a fixed 30% band applied purely to illustrate that real settlements rarely land on one exact number. It isn't derived from statistical analysis of comparable cases or any additional inputs, so treat it as a visual reminder of uncertainty rather than a calculated confidence interval.

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