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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

Insurance Claim Settlement Calculator

Estimates the net payout you can expect from an insurance claim after applying your deductible, depreciation, and coinsurance terms. Use it before filing a claim to set realistic expectations.

Total Claim Amount ($)

Policy Deductible ($)

Coverage Limit ($)

Depreciation Factor

Coinsurance Rate

Fill in the required fields to see your result.

Key differences

	Insurance Settlement Present Value Calculator	Insurance Claim Settlement Calculator
Category	Insurance	Insurance
Inputs required	5	5
Result	Present Value of Payments ($)	Expected Settlement Amount ($)
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.	Estimates the net payout you can expect from an insurance claim after applying your deductible, depreciation, and coinsurance terms. Use it before filing a claim to set realistic expectations.