Present Value Calculator

What does this calculator do?
This calculator calculates the present value of a structured settlement or annuity. The determining factor of this calculation is the discount rate used to price the future value of payments. The national average discount rate used when funding future settlement or annuity payments is 19.2%. Settlement Quotes average discount rate is 8.8%.

How do I use this calculator?
To accurately calculate the present value of a structured settlement or annuity, first enter the appropriate discount rate (8- 20%) followed by the payment stream of the settlement or annuity. To calculate the total number of payments, please use the number of guaranteed payments left in the cash flow (i.e. 120 payments = 10 years). Life contingent years have a higher discount rate due to the life insurance that needs to be purchased for these types of transactions. An increase in the discount rate is required for life contingent cases.

Present and Future Value Tool

Present Value
Amount to be received in the future $
Annual Interest Rate %
Number of times interest is compounded
Number of Years
Present Value Factor
Present Value Amount $


Future Value
Amount now $
Annual Interest Rate %
Number of times interest is compounded
Number of Years
Future Value Factor
Future Amount $
Present Amount of Ordinary Annuity
Payment Amount $
Interest Rate %
Number of Payments
Present Value Factor
Present Value of Annuity $
Future Value of an Ordinary Annuity
Payment Amount $
Interest Rate %
Number of Payments
Future Value Factor
Future Value of Annuity $