Tool · Investor Sam Life

Settlement After Contingency Fee Calculator

June 30, 2026 • By the Investor Sam Editorial Team • Reviewed by Berly Sam Varghese, Editor
A headline settlement figure is not what you take home. In a contingency-fee case, the attorney keeps an agreed percentage, then case costs and any medical liens come out before you see a dollar. This calculator subtracts the fee, the costs, and the liens from the gross settlement to show your true net recovery and what share of the settlement you actually keep — the numbers that matter when you decide whether to accept an offer.

Example: Gross settlement amount: 100000 $ · Contingency fee: 33 % · Case costs (experts, filing, records): 6000 $ · Medical liens / bills to repay: 15000 $

Your net recovery$46,000
Attorney contingency fee$33,000
Your share of the settlement46.00%

Worked example

On a $100,000 settlement with a 33% contingency fee, the attorney's fee is $33,000. Subtract $6,000 of case costs and $15,000 of medical liens, and you net about $46,000 — roughly 46% of the headline figure. That is why the gross number can be misleading: costs and liens, not just the fee, determine your take-home, and negotiating liens down is often where extra dollars are found.

Frequently asked questions

What is a contingency fee?

It is a fee arrangement where the attorney is paid a percentage of your recovery only if you win or settle, with a common range around a third, sometimes rising if the case goes to trial. If there is no recovery, you generally owe no attorney fee, though case costs may still apply.

Are case costs taken before or after the fee?

That varies by the fee agreement — some deduct costs before calculating the percentage and some after, which changes your net. This tool subtracts the fee from the gross and then removes costs and liens; review your specific agreement to see which order applies to you.

What is a medical lien?

When a health provider or insurer pays for treatment related to your injury, they may hold a lien — a right to be repaid from your settlement. These liens can be negotiated down, and doing so directly increases your net recovery, so it is worth having your attorney try.

Why is my take-home so much less than the settlement?

Because three things come out first: the attorney's percentage, the accumulated case costs, and any liens. On a case with significant medical bills, the combination can cut the headline figure by more than half, which is exactly why calculating the net before accepting an offer matters.

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Sources

Berly Sam Varghese · Editor, Investor Sam

Berly Sam Varghese is an engineer who treats money the way he treats any hard problem — something to be engineered, not gambled on. He funded years of education and built real financial stability the patient way, by living below his means and investing rather than borrowing. He writes for the person trying to make everyday money calls with a little more confidence. He reviews and approves every article on Investor Sam and checks the figures against primary sources before anything is published. More about our standards.