A Structured Settlement Calculator is a calculator system that will calculate what the lump sum payoff would be if a person were to sell structured settlement payments to a company or firm that buys them. The calculator allows a person to input the amount of the structured settlement that is owed, the amount of time that the structured settlement is going to be paid, and the expected interest rate that an investor might charge the person. Most of these structured settlement calculators are free of charge to download from the internet. It is always wise to research yourself then to take someones word who wants your settlement.