Free Estimator — No Personal Info Required

How Much Can You Get for Your Structured Settlement Today?

Enter your annuity payment details below and instantly see what a structured settlement buyer would pay you as a lump sum — right now.

Calculate My Cash Value ↓
$2.4B+structured settlements sold annually
60–85%of face value, paid upfront
45–90days to complete the process
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Structured Settlement Cash Out Value Calculator

Instantly estimate your lump sum offer based on real buyer discount rates

$ / mo
payments
9% — Best offer12% — Typical18% — High rate
Estimated Lump Sum
$139,616
Cash in hand today
Total Future Payments
$240,000
If you keep all payments
You Receive
58.2%
Of total face value
Lump Sum Today Face Value of Remaining Payments

Compare Offers at Different Buyer Discount Rates

Discount Rate Estimated Lump Sum % of Face Value Label

Free to compare. No personal information needed to estimate. No obligation.

Simple Process

How Selling Your Structured Settlement Works

Selling structured settlement payments to a buyer involves three main stages. Here's what to expect.

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1

Get Your Estimate

Use our calculator above to estimate the lump sum a structured settlement buyer would offer. Then contact 2–3 licensed factoring companies to get competing quotes — this is the most important step to maximize your payout.

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2

Sign a Purchase Agreement

Once you accept an offer, you sign a transfer agreement. Most states require a mandatory waiting period (typically 3 days) during which you can cancel. A reputable structured settlement buyer will explain every term clearly.

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3

Court Approval & Cash Out

Under the Structured Settlement Protection Act, a judge must approve the sale as being in your best interest. Once approved — typically 45–90 days total — your lump sum is released to you, tax-free in most cases.

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What Is a Structured Settlement Buyer?

A structured settlement buyer — also called a factoring company — is a licensed company that purchases your future annuity payment rights in exchange for a lump sum of cash today. They profit by applying a discount rate to your future payments, similar to how a bank calculates a loan's present value.

The structured settlement secondary market in the United States processes more than $2.4 billion in transactions annually. Major buyers include J.G. Wentworth, Peachtree Financial Solutions, CBC Settlement Funding, and Fairfield Funding — among dozens of others competing for your business.

Why Do People Sell Their Structured Settlement Payments?

  • Paying off high-interest debt (credit cards, medical bills)
  • Covering unexpected medical expenses or emergencies
  • Funding education or a child's college tuition
  • Purchasing real estate or making a down payment
  • Starting or expanding a business
  • Consolidating debt into a single, lower-payment obligation

How Is the Lump Sum Calculated?

Structured settlement buyers use the present value (PV) formula to determine how much your future payments are worth in today's dollars. The formula is:

PV = PMT × [ 1 − (1 + r)−n ] ÷ r

Where PMT is your monthly payment, r is the monthly discount rate (annual rate ÷ 12), and n is the number of remaining payments. Our calculator uses this exact formula to give you an accurate real-world estimate.

What Discount Rate Will a Buyer Use?

Discount rates from structured settlement buyers typically range from 9% to 18% annually, with most offers falling in the 11–14% range. The rate depends on:

  • The creditworthiness of the insurance company making payments
  • How long until payments are complete (longer = higher rate)
  • Current market interest rates
  • The buyer's internal pricing policies

Getting multiple competing quotes from different structured settlement buyers is the single most effective way to increase your payout. Even a 2% difference in discount rate can mean thousands of dollars more in your pocket.

Is Selling a Structured Settlement Taxable?

In most cases, the lump sum you receive from selling structured settlement payments is not taxable under IRS guidelines, since the original settlement proceeds were tax-exempt. However, consult a tax professional for advice specific to your situation, especially if your settlement includes punitive damages.

Typical Buyer Discount Rates

  • Best case9–10%
  • Common range11–14%
  • Average~12.5%
  • High end15–18%
$2.4B+
Structured settlement transactions completed in the U.S. annually
45–90
Average business days from contract to cash in hand
All 50
U.S. states have Structured Settlement Protection Act laws
Why This Tool

Know Before You Sell

Understanding your structured settlement's true cash value puts you in control when negotiating with buyers.

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No Personal Information Required

Our calculator gives you an instant estimate without asking for your name, phone number, or social security number. Use it to set your expectations before ever speaking to a buyer.

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Court Approval Protects You

Every structured settlement sale in the U.S. must be approved by a judge under the Structured Settlement Protection Act (SSPA). The court must find the transfer is in your best interest before it proceeds.

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Compare Multiple Buyers

Never accept the first offer. The structured settlement buyout market is competitive — getting 3 or more quotes can increase your lump sum by 5–15%. Our estimate shows you what's reasonable.

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Real Present Value Math

Our calculator uses the same present value formula that buyers, accountants, and courts use to evaluate structured settlement offers. The only variable is the discount rate, which buyers set competitively.

Ready to Get Real Offers?

Use your estimate above to compare offers from licensed structured settlement buyers. Getting multiple quotes is free and takes minutes.

Recalculate My Value

This tool provides estimates only. Actual offers from structured settlement buyers may vary.

FAQ

Common Questions About Selling Structured Settlements

Everything you need to know before contacting a structured settlement buyer.

How much will a structured settlement buyer pay me? +
Structured settlement buyers typically pay 60–85% of the total face value of your remaining payments. The exact amount depends on the discount rate applied (usually 9–18% annually), the number of remaining payments, and the creditworthiness of the insurance company. Use our calculator above for a precise estimate based on your specific situation.
How long does it take to sell a structured settlement? +
The process typically takes 45–90 days from start to finish. This includes choosing a buyer, signing a purchase agreement, mandatory rescission waiting periods, and obtaining court approval — which is required in all 50 U.S. states under the Structured Settlement Protection Acts. Some buyers advertise 30-day closings, but this is rare.
Is selling my structured settlement a good idea? +
It depends on your financial situation. Selling makes sense if you need immediate cash for a major expense, paying off high-interest debt, or an investment opportunity with returns exceeding the discount rate. However, you will receive less than the total future value of your payments. Many financial advisors recommend exploring all other options (personal loans, home equity lines) before selling.
What is a discount rate in a structured settlement buyout? +
The discount rate is the annual interest rate a structured settlement buyer uses to calculate today's value of your future payments. Think of it like the profit margin the buyer builds in. A lower discount rate means more money for you. Rates typically range from 9% to 18% annually — always get multiple quotes to find the best rate.
Do I need court approval to sell my structured settlement? +
Yes. In all 50 U.S. states, a judge must approve the transfer under the Structured Settlement Protection Act. The court reviews whether the sale is in your best interest, considering factors like your financial situation, whether you have dependents, and the specific terms of the deal. A reputable structured settlement buyer will handle most of this paperwork at no cost to you.
Can I sell only part of my structured settlement payments? +
Yes, partial sales are very common. You can sell a specific number of payments, a portion of each payment, or payments within a defined date range. This lets you get immediate cash while retaining some future income. Partial transfers are slightly more complex legally but are well-established and supported by all major structured settlement buyers.
Is the lump sum from selling a structured settlement taxable? +
Generally, no. Under the Tax Code (IRC §104 and §130), structured settlement proceeds from physical injury cases are tax-exempt, and selling those payments typically retains that tax treatment. However, this can vary depending on the type of settlement and whether the original payments included punitive damages. Always consult a qualified tax professional before proceeding.
How do I find a reputable structured settlement buyer? +
Look for members of the National Association of Settlement Purchasers (NASP) and companies with A or better ratings from the Better Business Bureau. Always get at least 3 competing quotes, read all documents carefully before signing, and have an attorney review the purchase agreement. Never pay upfront fees — legitimate buyers are paid from the discount, not by you.
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Important Disclaimer: This calculator provides estimates only, based on the standard present value formula. Actual offers from structured settlement buyers will vary based on market conditions, the specific terms of your annuity, the insurance company paying your settlement, and individual buyer pricing. This tool does not constitute financial, legal, or tax advice. Please consult a licensed financial advisor and/or attorney before making any decisions about selling your structured settlement payments. Selling a structured settlement is a significant financial decision that requires court approval and mandatory waiting periods in all U.S. states.