Which Is Better: Cash Up Front Or Payments Over Time?

Use this calculator to help determine whether you are better off receiving a lump sum payment and investing it yourself or receiving equal payments over time from a third party.


Cash Up Front Information
Cash up front amount ($)
Potential return on investment: (similar risk)
Payment Information
Payment frequency
Payment amount ($)
Annual increase in payments
Number of payments

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. This service shall not infer that the company assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.