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Both calculators run independently — change the inputs on either side to compare results.

Insurance Settlement Present Value Calculator

Calculate the present value of a structured insurance settlement by discounting future monthly payments for both time and inflation. Use it when evaluating whether to accept a lump-sum buyout versus ongoing annuity payments.

Monthly Payment Amount ($)

Payment Period

Discount Rate (%)

Expected Inflation Rate (%)

Lump Sum Offer ($)

Fill in the required fields to see your result.

Insurance

Health Insurance Out-of-Pocket Calculator

Estimate your total annual health insurance costs — including premiums, deductible, coinsurance, and out-of-pocket maximum — based on your plan details and expected medical usage. Useful when comparing health plans during open enrollment.

Monthly Premium ($)

Annual Deductible ($)

Max Out-of-Pocket ($)

Expected Annual Medical Costs ($)

Coinsurance Rate

Fill in the required fields to see your result.

Key differences

	Insurance Settlement Present Value Calculator	Health Insurance Out-of-Pocket Calculator
Category	Insurance	Insurance
Inputs required	5	5
Result	Present Value of Payments ($)	Total Annual Cost ($)
What it does	Calculate the present value of a structured insurance settlement by discounting future monthly payments for both time and inflation. Use it when evaluating whether to accept a lump-sum buyout versus ongoing annuity payments.	Estimate your total annual health insurance costs — including premiums, deductible, coinsurance, and out-of-pocket maximum — based on your plan details and expected medical usage. Useful when comparing health plans during open enrollment.