Structured Settlement Calculator
Calculate the present value and total payments of a structured settlement.
Legal Disclaimer
This calculator provides general estimates only and does not constitute legal advice. Laws, regulations, and court procedures vary significantly by jurisdiction. Consult a licensed attorney in your area for advice specific to your situation.
Inputs
Results
Total Amount Received
$828,921.09
≈ 20 Teslas
Present Value
$582,749.51
≈ 14 Teslas
How to Use This Calculator
- Enter Lump Sum Settlement Amount as the total cash value being offered.
- Set Structured Payment Amount — the periodic payment amount.
- Enter Payment Frequency and Duration Years.
- Set Discount Rate % for present value comparison.
- Review Present Value of structured payments vs. the lump sum to evaluate the offer.
- Structured settlements offer tax-free income streams but sacrifice flexibility — consider future cash needs.
How the result changes with Payment Period (Years)
| Payment Period (Years) | Total Amount Received | Present Value |
|---|---|---|
| 5.9 | $256,121.20 | $238,789.09 |
| 18 | $742,369.37 | $542,466.23 |
| 33 | $1,483,347.11 | $809,691.36 |
| 45 | $2,256,781.31 | $973,964.85 |
What each input means
- Total Settlement Amount
- Total settlement amount before structuring.
- Upfront Payment %
- Percentage paid upfront as a lump sum.
- Annual Payment
- Annual payment amount.
- Payment Period (Years)
- Number of years payments will be received.
- Annual Escalation Rate
- Annual increase in payment amount.
- Discount Rate
- Discount rate for present value calculation.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersTotal Settlement Amount = 500000, Upfront Payment % = 20, Annual Payment = 30000, Payment Period (Years) = 20 = 6 input(s) provided
- Calculate Total Amount ReceivedTotal Amount Received828921.09 = $828,921.09
- Calculate Present ValuePresent Value582749.51 = $582,749.51
- Calculate Upfront PaymentUpfront Payment100000 = $100,000
- Calculate Total Periodic PaymentsTotal Periodic Payments728921.09 = $728,921.09
Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.
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