Free Settlement Tax Calculator

See how much of your settlement you could keep after taxes

Get a free, personalized estimate of the taxes on your legal settlement — and see whether a structured settlement annuity or a Plaintiff Recovery Trust could help you keep more. It takes less than 2 minutes.

Results are estimates based on simplified assumptions, for educational purposes only — not tax or legal advice.

Step 1 of 3Your case

What type of case do you have?

If you’re not sure, choose “Other.”

Secure & confidential

Used by 10,000+ settlement recipients

Attorneys, CFP® professionals & CPAs

How it works

Tell us about your settlement

Four quick questions — case type, state, estimated amount, and attorney fee. If you’re unsure of an amount, an estimate is fine.

Get your personalized estimate

See the estimated taxes on your settlement and how much you might keep with — and without — tax planning.

Review it with a settlement tax planner

Book a free 15-minute call and we’ll walk through your results and the planning options that fit your situation.

Who is Amicus Settlement Planners?

For 20+ years, our team of attorneys, Certified Financial Planner professionals, settlement planners, and CPAs has focused exclusively on helping plaintiffs and their attorneys plan for legal settlements. We help you avoid costly mistakes, reduce taxes, and make the most of your settlement.

Frequently asked questions

Is my settlement taxable?

It depends on the type of case. Personal physical injury settlements are generally tax-free under Section 104(a)(2) of the Internal Revenue Code. Most other settlements — discrimination, whistleblower, contract disputes, and more — are taxable income, and in many cases you can be taxed on the entire gross settlement, including the part paid to your attorney.

How accurate is this estimate?

The calculator uses simplified assumptions (top federal and state tax rates, a standard annuity return) to give you a useful high-level picture — it is not a tax return calculation. For a precise analysis of your situation, book a free call for a Customized Tax Analysis.

What is a structured settlement annuity?

Instead of one lump sum, your settlement is paid out over several years. Depending on your case type, that can mean tax-free growth (personal injury) or lower tax brackets on each payment (taxable settlements), plus guaranteed, predictable income.

What is the Plaintiff Recovery Trust?

A planning tool for taxable settlements where legal fees are not deductible. It helps ensure you are taxed only on the money you actually receive — not on the portion paid to your attorney — often doubling what plaintiffs keep in taxable cases.

What happens after I get my results?

Your results appear instantly and we email you a copy. If you want to explore your options, book a free 15-minute call — we’ll prepare a Customized Tax Analysis for your case. There is no obligation.

Will you share my information?

No. Your information is used only to provide your results and follow up about your settlement tax questions. We never sell or share your email or phone number.

Keep more of your settlement

The best time to plan is before your case settles. Get your free estimate above, then book a complimentary 15-minute call to review it with a settlement tax planner.

Get My Free Estimate