Interactive tool

Settlement Advance Checker

See what a lump-sum offer represents before you sell future structured-settlement payments.

Offered lump sum$Total future payments being sold$Years until payments complete

Cents on the dollar50.0¢

Implied simple annual discount rate20.0%

You receive now$25,000

Comparison: quoted 9–18%; court testimony cites 15.5–25% retail; ~20% effective is common (industry filings, 2026).

Simple comparison only: payment timing, fees, taxes, and compounding can change the effective rate.

Before signing

49 states require court approval of these transfers. A judge must find the transfer in your best interest. This calculator is information, not advice.