Personal injury settlement calculator
Estimate the value of an injury claim using the multiplier method — economic damages, pain and suffering, and an adjustment for your share of fault. Free, private, and calculated right in your browser.
Last updated: 18 June 2026
⚑ An educational estimate — not legal advice
This tool provides a rough estimate for educational purposes only. Real settlement values vary enormously by jurisdiction, the facts of the case, injury severity, insurance limits and negotiation — two similar injuries can settle for wildly different amounts. This is NOT legal, tax or financial advice. Consult a licensed personal injury attorney before making any decision about your claim.
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Typical range 1.5 (minor) to 5 (severe, permanent injury).
Your share of blame. Most states reduce recovery by this amount.
Estimated net settlement
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$0Economic damages
$0Pain & suffering
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Talk to a personal injury attorney before you settle
Insurers often open with a low offer. A free case review with a licensed attorney can tell you whether your claim is worth far more than a quick payout — and most injury lawyers work on contingency.
Browse all AMAADOR tools →How the personal injury settlement calculator works
Insurers and attorneys often estimate a claim's value with the multiplier method. First, add up your economic damages — the documented, objective costs of your injury:
economic = medical bills + lost wages + future medical & lost earnings + property damage
Next, estimate pain and suffering (non-economic damages) by multiplying the injury-related losses by a number — typically between 1.5 for minor injuries and 5 for severe, permanent or disfiguring ones. Property damage is excluded because it isn't tied to bodily pain:
pain & suffering = (medical + lost wages + future) × multiplier
The gross settlement is the two added together. Finally, most U.S. states apply comparative negligence: your recovery is reduced by your own share of fault. If you are 20% at fault, you receive 80% of the gross figure:
net = (economic + pain & suffering) × (1 − percent at fault ÷ 100)
Because real outcomes swing so widely, we also show an estimated range — roughly 75% to 125% of the net figure — to remind you this is a ballpark, not a promise. A few states use strict contributory negligence, where being even 1% at fault can bar recovery entirely, so your jurisdiction matters enormously.
Frequently asked questions
What is the multiplier method?
Add up your economic damages (medical bills, lost wages, future losses and property damage), then multiply the injury-related portion (medical + lost wages + future) by a number — usually 1.5 to 5 — to estimate pain and suffering. The higher the multiplier, the more severe or permanent the injury.
How does comparative negligence reduce a settlement?
Your recovery is cut by your share of fault. A $100,000 gross claim at 20% fault becomes $80,000. Some states bar recovery once you're 50% or 51% at fault; a few use strict contributory negligence where any fault can bar recovery. Rules vary a lot by state.
What's the difference between economic and non-economic damages?
Economic damages are documented costs — medical bills, lost wages, future care and property damage. Non-economic damages (pain and suffering, emotional distress, loss of enjoyment) are subjective, which is why they're often estimated with a multiplier.
Is this estimate what my case is actually worth?
No. It's a rough educational estimate only. Real value depends on liability, evidence, injury severity, policy limits, your state's laws and negotiation. Two similar injuries can settle very differently. Always consult a licensed personal injury attorney.
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Sources & further reading
Multiplier method and comparative negligence are standard personal-injury concepts. See the U.S. Consumer Financial Protection Bureau (consumerfinance.gov) and your state courts (e.g. uscourts.gov) for general legal background; comparative-fault rules are set by each state's statutes. Read our full disclaimer →