Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Estimated net to you
$16,844
Estimated gross settlement
$32,000
Attorney contingency fee
$10,656
Economic damages base
$16,000
Share of gross you keep
52.6%
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter medical bills to date ($).
- 2Enter documented lost wages ($).
- 3Enter injury severity multiplier.
- 4Enter your comparative fault (%).
- 5Enter attorney contingency fee (%).
- 6Enter case costs (records, experts, filing) ($).
- 7Enter medical liens / subrogation ($).
- 8Read your estimated net to you on the right — it updates as you type.
- 9Hit Share to keep the scenario or send it to someone.
About this calculator
The number a claimant hears quoted is the gross settlement; the number that reaches their bank account is far smaller. This estimator applies the standard structure used in US personal injury practice: economic damages (medical bills plus documented lost wages) multiplied by a pain-and-suffering multiplier that reflects injury severity, reduced by comparative fault, then reduced again by the contingency fee, case costs, and medical liens or health-insurance subrogation claims. Typical multipliers run about 1.5x for soft-tissue claims that resolve in a few months, 3x for injuries with objective imaging findings and lasting limitation, and 5x or more where surgery, permanent impairment, or disfigurement is involved. Contingency fees are commonly 33.3% pre-suit and 40% once a lawsuit is filed. This is an educational estimate, not legal advice or a valuation of your specific claim — jurisdiction, venue, insurance limits, and the quality of your medical documentation move real outcomes more than any formula.
Worked example
Using the values the calculator loads with:
Inputs
- Medical bills to date: 12000 $
- Documented lost wages: 4000 $
- Injury severity multiplier: Moderate, imaging findings — 2x
- Your comparative fault: 0 %
- Attorney contingency fee: 33.3 %
- Case costs (records, experts, filing): 1500 $
- Medical liens / subrogation: 3000 $
Results
- Estimated net to you: $16,844
- Estimated gross settlement: $32,000
- Attorney contingency fee: $10,656
- Economic damages base: $16,000
- Share of gross you keep: 52.6%
What each field means
Inputs
- Medical bills to date ($)
- The medical bills to date used in the calculation, measured in $. Starts at 12000 $ so you have a working example on load. Accepted range: 0–1000000 $.
- Documented lost wages ($)
- The documented lost wages used in the calculation, measured in $. Starts at 4000 $ so you have a working example on load. Accepted range: 0–500000 $.
- Injury severity multiplier
- Pick the option that matches your situation — the maths changes per option. Choices: Soft tissue, full recovery — 1.5x, Moderate, imaging findings — 2x, Serious, lasting limitation — 3x, Surgery / permanent impairment — 5x.
- Your comparative fault (%)
- The your comparative fault used in the calculation, measured in %. Starts at 0 % so you have a working example on load. Accepted range: 0–99 %.
- Attorney contingency fee (%)
- The attorney contingency fee used in the calculation, measured in %. Starts at 33.3 % so you have a working example on load. Accepted range: 0–45 %.
- Case costs (records, experts, filing) ($)
- The case costs (records, experts, filing) used in the calculation, measured in $. Starts at 1500 $ so you have a working example on load. Accepted range: 0–200000 $.
- Medical liens / subrogation ($)
- The medical liens / subrogation used in the calculation, measured in $. Starts at 3000 $ so you have a working example on load. Accepted range: 0–500000 $.
Results
- Estimated net to you
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Estimated gross settlement
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Attorney contingency fee
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Economic damages base
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Share of gross you keep
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
Is the multiplier method how insurers really value claims?
It is a rough industry shorthand. Adjusters increasingly use claim software that scores diagnosis codes, treatment gaps, and duration of care, but the multiplier remains a reasonable first approximation for negotiation ranges.
What is comparative fault?
Most states reduce your recovery by your share of responsibility for the accident. A few states bar recovery entirely once your fault crosses 50% or 51%, so check your state's rule — this tool simply applies the percentage reduction.
Can medical liens be negotiated down?
Often yes. Hospital liens, ERISA plan subrogation, and Medicare/Medicaid claims are frequently reduced, sometimes substantially, as part of the settlement. Lower the lien input to model that.
Does this replace a lawyer's valuation?
No. It is an educational estimate only. Policy limits, venue, witness credibility, and documentation quality drive real outcomes and cannot be captured in a formula.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Personal Injury Settlement Estimator. Retrieved from https://www.revenuelab.fyi/toolbox/personal-injury-settlement-estimator
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/personal-injury-settlement-estimator" target="_blank" rel="noopener">Personal Injury Settlement Estimator — RevenueLab</a> (2026).</p>
Source: [Personal Injury Settlement Estimator — RevenueLab](https://www.revenuelab.fyi/toolbox/personal-injury-settlement-estimator) (2026).