# Structured Settlement Calculator

When people hear about a structured settlement calculator, they often wonder what such a thing actually is and if it is even necessary to use one. If you are like most individuals today, you probably do not need to know what such a thing is and if it is even useful for you at all. The truth is that such a tool can be extremely helpful in determining the value of your structured settlement. At the very least, you will have an idea of how much you could stand to gain if you were to sell or exchange your settlement for a lump sum.

In most cases, individuals who are interested in selling their annuities are interested in knowing the current value of the annuity. In many cases, this would be based on what the annuitant is receiving each month in monthly payments. However, since not all structured settlement calculators are created equally, you may also want to use the annuity calculator that determines the present value of your annuity. Basically, this type of calculator works by taking your present payout amount and comparing it to the total payout that you could potentially receive over the course of your life.

This lump-sum figure is then compared to the amount that you would receive during the course of your lifetime. One of the main reasons that you want to use a structured settlement calculator is so that you can properly assess how much money you could stand to gain by cashing in your annuities. For example, let us say that you were receiving two monthly payments and these payments totaled to be approximately six thousand dollars per month. After thirty years, you would then be receiving ten thousand dollars per month. If you were to sell these annuities for just three thousand dollars, you would essentially be gaining fifty percent (approximately) of your initial investment.

Now, if we were to factor in the time that it takes for your payments to begin after your life has ended and the amount of time that it will take for your payments to reach their maximum payout, then we can quickly see how greatly beneficial it is to cash in your annuities. In general, your life expectancy is going to be between sixty and ninety years, depending on the number of factors that you put into play. For example, if you were to purchase a home at a young age, your lump sum amount might be substantially higher. However, if you were to remain at the same age and same stage of income all the way through the course of your lifetime, then your lump sum amount would be significantly lower.

One of the main factors that go into determining the value of your annuity is the discount rate (the percentage that your payments will turn out to be), the amount of time that it will take for your payments to begin once you reach your death and the amount of time that it will take for your payments to reach their maximum payout. Once you plug these values into the Structured Settlement Calculator, you will get a very good estimate of what your structured settlement might be worth if you sold it today. Of course, there are many other factors that go into the value of this payout, but with the help of this calculator, anyone can quickly and easily determine the value of their annuity and see what it would be worth if they sold it.

There are also many other things that go into determining the value of a structured settlement payment. These factors, such as the discount rate, longevity of the payout or the level of inflation can all be quickly and easily determined by using the Structured Settlement Calculator. The fact that you can use this simple tool in order to quickly see how much your payments could be has to be seen to be appreciated. Not only is it a great learning tool but it can also be very financially beneficial, should you ever need to make a claim on the money that it holds. It is a very helpful tool for anyone who needs to know what they can expect when it comes to receiving their structured settlement payments.