Annuity Buyout Calculator
Estimate the lump-sum value of your structured annuity or settlement payments. See gross present value, a typical buyer offer, and net cash at closing after fees — before you sign anything.
Your payments
What you could net
Estimate only. Real offers depend on issuer rating, payment-stream type (life-contingent vs. period-certain), state law, and whether the transfer requires court approval. Structured-settlement transfers under the federal Structured Settlement Protection Act (SSPA) require a judge's sign-off in nearly every state — that process takes 60–90 days and adds legal fees. Pure commercial annuities don't.
When this makes sense — and when it doesn't
When it makes sense
- You have an urgent, large cash need — medical, housing, business — that the trickle of monthly payments can't cover.
- You can redeploy the lump sum into a higher-return use (paying off high-interest debt, investing in your business, buying real estate).
- Your payment stream is from a strong issuer with a high credit rating (better issuers attract better offers).
- You understand you're giving up roughly 20–40% of the gross PV for liquidity and speed.
When it doesn't
- The payments are your primary income and you don't have another reliable income source.
- You'd spend the lump sum on consumables that won't compound (vacations, depreciating assets).
- The discount rate the buyer wants is north of 15% — that's a steep price for liquidity; shop it.
- You're being rushed. SSPA transfers exist for your protection; never sign with a buyer trying to skip the court step.
How buyers actually price. A factoring company discounts your future payments at a rate they'd need to earn — typically 9–14% — then applies an additional margin to cover risk, legal, and acquisition cost. That's why the "offer" is usually 60–80% of the gross PV you'd compute at, say, 6%.
Which path fits you?
This tool helps three audiences. Pick the one that's you.
I'm a small business owner
Get a real quote on your annuity stream. We work with the major secondary buyers.
Get capital →
I refer deals to Lending by JLFG
Add annuity buyout as a high-AOV specialty product to your broker offering.
Join the network →
I'm an institutional funder
Annuity-buyout deal flow with payment schedule + state pre-verified.
Partnership inquiry →
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