How to use this calculator
Enter the lump sum and periodical payment amounts to compare the two forms of award. Useful for analysing whether a PPO or lump sum better meets the claimant's needs.

PPO Calculator

Periodical Payments Order analysis and comparison. Fill the tabs in order; click Calculate (at the bottom of the panel) to refresh figures.

Claimant Details
PPO Terms
Variation & Capitalised Value

Variation Modelling (s.2(1)(b) Damages Act 1996): Add variation periods if the PPO rate changes over time (e.g. higher care needs initially, stepping down later). Years are counted from the PPO start date. If no variations are added, the base annual amount is used throughout.

Variation Periods

Capitalised Value Calculation
Total Capitalised Value
£0.00
Lump Sum Comparison
Year-by-Year Projection
Year Age PPO Payment (Indexed) Cumulative PPO Lump Sum Opening Investment Return Withdrawal Lump Sum Closing
Key Metrics
Total PPO Payments
£0.00
Total Lump Sum Withdrawals
£0.00
Lump Sum Exhaustion Year
Never
Lump Sum Balance at Life Expectancy
£0.00
Surplus/Deficit (PPO advantage)
£0.00
Tax Implications

PPO: Entirely tax-free (s.731 ITTOIA 2005). Lump Sum: Investment returns are taxable at current tax rates.

Tax Calculation Summary
Split Awards

Allocate different heads of loss to PPO or lump sum. Totals below will automatically recalculate.

Award Breakdown

Split Award Totals
Total PPO (Capitalised)
£0.00
Total Lump Sum
£0.00
Grand Total Award
£0.00
Full Summary