A buyout calculator takes all sort of possibilities into account. Sometimes, it's hard to see how much you'd be really giving up if you took a buyout, and a calculator can help you to realize it.
On the other hand, a buyout is sometimes a better deal than it might initially seem. When you use a calculator, you're able to evaluate all your options and use all of the information available to you in order to make a smart decision.

However, if you've been offered a settlement buyout, you shouldn't just accept it right away. Instead, you should use a settlement buyout calculator. That way, you can look at all of the possibilities and see if taking a buyout is really the best financial decision for you. This will have an impact on your livelihood, and you won't want to rush into any one decision.
When you use a calculator, you can see exactly how much money you'll be losing over time. You don't have to do the math; the calculator can do it for you. You can see Official Rates, and decide whether or not it would be worth it.