Organize your losses and see how settlement math works — without guesswork presented as fact
ClaimSettleIQ is a free educational toolkit for people in the United States who were injured and want to understand how a personal injury claim is valued. Add up documented losses, test your own assumptions, estimate deductions, and prepare better questions for a qualified attorney.
- Every formula published
- No invented settlement averages
- Runs in your browser — nothing is uploaded
- No sign-up
Personal Injury Settlement Estimator
Runs entirely in your browser. Nothing you enter is sent to ClaimSettleIQ or anyone else. Privacy policy.
Enter your figures and choose your assumptions, then select “Calculate estimate”. Your itemized breakdown will appear here.
The result is arithmetic on your inputs. It is not a prediction, a valuation, or legal advice. Exact formulas.
How the estimator works
The estimator does three simple things, and shows each one in the result:
- It adds up documented economic losses — medical expenses, lost wages and other out-of-pocket costs you enter. Future costs you expect are added on a separate line so you can see how much of the total rests on projections.
- It applies a non-economic assumption only if you choose one. You can leave pain and suffering out, apply a multiplier range you pick, use a per-diem (daily rate) range you pick, or type in a figure. None of these is a legal rule; they are ways people frame negotiations. Our pain and suffering guide explains their limits.
- It optionally illustrates a shared-fault rule you select. Under the rule and percentage you choose, the total is reduced or set to zero. The tool does not decide which rule applies where you live.
The estimator does not reduce anything for policy limits, attorney fees, liens, taxes or state damage caps. If you enter a policy limit, it only tells you whether your figures exceed it. To estimate what might remain after fees and liens, use the Net Settlement Calculator.
Illustrative worked example
Suppose someone has $8,400 in medical bills, $3,150 in lost wages and $450 in mileage and prescription costs, with no expected future costs. They choose the multiplier method with a low of 1.5× and a high of 3× applied to documented economic losses, and they want to see the effect of a pure comparative fault rule if they were 20% at fault.
| Step | Low | High |
|---|---|---|
| Documented economic losses ($8,400 + $3,150 + $450) | $12,000 | $12,000 |
| Non-economic assumption ($12,000 × 1.5 / × 3) | $18,000 | $36,000 |
| Total before fault adjustment | $30,000 | $48,000 |
| Pure comparative fault at 20% (× 0.80) | $24,000 | $38,400 |
The $24,000–$38,400 range only restates the person’s own assumptions. Change the multipliers to 1× and 2× and the same facts produce $19,200–$28,800. That sensitivity is the point: the non-economic portion is driven by the assumption, not by data about what claims are worth.
Economic vs. non-economic damages
Economic damages
Financial losses that can be measured with documents: medical bills, lost wages, prescriptions, travel for treatment, and similar costs. They are usually the most verifiable part of a claim, but disputes still arise over whether treatment was necessary, whether charges were reasonable, and whether billed or paid amounts count. Read the guide.
Non-economic damages
Losses without an invoice: physical pain, emotional distress, and lost enjoyment of daily life. They are evaluated case by case from evidence such as medical records and personal accounts, and some states cap them in certain types of cases. Read the guide.
What an estimate cannot tell you
- It cannot predict a settlement. Real outcomes depend on evidence, liability disputes, the insurer’s evaluation, available coverage, negotiation and the law of the jurisdiction.
- It does not apply state law. Filing deadlines, fault rules, damage caps and notice requirements differ by state and by type of defendant.
- It does not know your evidence. Two claims with identical bills can resolve very differently depending on documentation, treatment gaps, pre-existing conditions and credibility.
- It does not include taxes, fees or liens unless you use the separate net settlement tool.
ClaimSettleIQ does not publish “average settlement” figures. Reliable, representative data on settlements is not publicly available, and averages hide the facts that drive individual results.
Supporting tools
Each tool does one job and shows its arithmetic. Use them together to build an organized picture of your losses before a consultation.
Net Settlement Calculator
See how attorney fees, case expenses and liens could reduce a hypothetical gross settlement.
Lost Wages Calculator
Turn hourly or salary pay and missed time into an itemized gross wage-loss figure.
Medical Expense Tracker
Log bills, payments and balances, then print or export the worksheet as CSV.
Evidence Checklist & Worksheet
Track which records you have gathered and prepare a summary for a legal consultation.
Start with these guides
How Personal Injury Settlements Work
The usual path from claim to release, and where negotiations happen.
Economic Damages in Personal Injury Claims
What counts as a measurable financial loss and how each type is documented.
Pain and Suffering: Understanding the Limits of Estimates
Why multiplier and per-diem methods are negotiation shorthand, not formulas.
Attorney Fees and Case Expenses
How contingency fees and case costs work, and what to ask before signing.
Medical Liens and Reimbursement Obligations
Health plans, Medicare, Medicaid and provider liens, and why they matter at payout.
Understanding Settlement Offers and Questions to Ask Before Accepting
How to read an offer, what a release does, and questions to raise before signing.
Our methodology and source standards
Every calculator formula is written out, with worked numbers and edge cases, on the Methodology page, and those formulas are the ones the code runs. Our guides explain general legal concepts in plain English and link to primary sources — statutes, court resources and government agencies — where a specific rule is stated. State-specific information is published only after it has been checked against the official source, and each entry shows its review date. Read our Editorial Policy for how content is researched, checked and corrected.
Next steps
- Gather records. Use the Evidence Checklist to see what you have and what may be missing.
- Total your bills. Log each bill in the Medical Expense Tracker and export a CSV.
- Calculate wage loss. The Lost Wages Calculator itemizes missed time and paid leave.
- Check deadlines. Filing deadlines can be short, especially for claims against government entities. See State Law Resources.
- Get qualified advice. A lawyer licensed in your state can evaluate the facts. Many state bar associations run lawyer referral services.