Personal Injury Settlement Calculator

Estimate a personal injury settlement from medical bills, lost wages, and a severity multiplier, with attorney fees and net proceeds.

This calculator estimates the value of a personal injury claim using the multiplier method that insurers and attorneys commonly use as a starting point. Enter your economic losses and choose a severity multiplier; the tool returns an estimated settlement range, an attorney fee estimate, and your approximate net.

How this estimate is calculated

The multiplier method adds up economic damages (medical expenses, future medical care, and lost wages) and multiplies that total by a severity multiplier, usually between 1.5 and 5, to approximate non-economic damages such as pain and suffering.

Estimated settlement = (medical + future medical + lost wages) x multiplier

The tool also shows a 1.5x to 5x range, an attorney fee based on the percentage you enter, and your estimated net before case costs such as filing fees, experts, and records.

What the estimate does not include

Liability disputes, comparative fault, or shared fault reductions
Insurance policy limits, which can cap a recovery
Statutory caps in some states and claim types
Case-specific costs and liens (health insurance, Medicare, Medicaid)

Treat the result as orientation, not a valuation. A licensed attorney can assess your facts and the applicable law.

Questions We Get Asked

Is the multiplier method accurate?

It is a common negotiating heuristic, not a legal rule. Insurers and attorneys use it as a starting point, then adjust for liability, injuries, and jurisdiction.

What multiplier should I use?

Minor injuries with quick recovery often fall near 1.5x, while severe or permanent injuries can exceed 5x. There is no single correct number.

Does this include pain and suffering?

Yes. The multiplier is meant to approximate non-economic damages such as pain and suffering, but it is only an estimate.

How are attorney fees handled?

Most personal injury cases use a contingency fee, commonly around one third of the recovery. Enter the percentage you were quoted, or leave the default.

Important: This page is published for general research and education. It is not legal advice, and it does not create an attorney-client relationship. Statutes are amended often and may contain exceptions. Because outcomes depend on your own facts, speak with a licensed attorney in your jurisdiction about your situation. See the full disclaimer.