Calculator · Settlement Economics

Lump sum vs. structured settlement

Compare a one-time payment against a stream of payments on the same footing: present value at your discount rate. Estimates update as you type.

Offer A — lump sum

One-time payment today ($)

Offer B — structured payments

Upfront cash portion ($) Payment amount ($) Frequency Payments last (years) Discount rate (%/yr)What your money could earn elsewhere, or a bond yield

Lump sum—

Structured — present value—

Structured total paid out over time (nominal): —

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