Debt sale calculator

Estimate your figure

Adjust the fields to see an indicative range of what you could receive by selling your debt. The calculation starts from real market discounts and adjusts for the quality of your position.

How the calculation works

The calculator starts from a market-average discount (around 40%) and adjusts it for four factors: the documentation behind the debt, its age, whether a judgment exists and the amount. It then shows a central estimate and a reasonable range. It queries no databases and asks for no data: it is a transparent calculation that runs in your browser.

What moves the price

Why there is always a discount

Nobody pays 100% of an unpaid debt because the buyer takes on two things: the risk of not collecting and the time it will take. The discount is the price of shifting both to them. As a market reference, discounts of 35%-45% are common, within a wide 25%-75% range. Certain money today usually beats an uncertain expectation years away.

Indicative examples

For a debt of 10,000, a solid and recent file can place you near the top of the range, while an old, undocumented debt falls toward the bottom. The calculator reflects exactly that movement. Remember: these are estimates, not offers; the real price is set by the market.

What the estimate excludes

• It is not a binding offer: real offers come from buyers.
• It does not value specific security (guarantees, mortgages) that can raise the price a lot.
• It does not check the debtor's real solvency.
• It does not replace professional advice in complex cases.

What to do with the result

If the range fits, the next step is to list the debt to receive real offers and compare them. If it looks low, check whether you can strengthen the documentation or whether it is worth claiming before selling. Either way, the sooner you act the better: time works against the value of the debt.

How to read the range

The calculator does not give a magic number but a range: a central estimate and a reasonable band around it. Read it as the likely negotiation ground, not a promise. The high end gets closer when everything works in your favour —a recent debt, with a judgment, a solvent debtor and several offers competing; the low end, when the file is weak or the debt is old. If the central estimate looks acceptable, you have a good basis to list; if it disappoints, it may be worth strengthening the documentation before selling.

From estimate to real negotiation

The jump from estimate to real offer comes from buyers. Listing your debt turns that theoretical range into concrete offers you can compare. The more buyers see your listing, the likelier the final price lands near the top of the range: competition works for you. Use the calculator to set your expectations and asking price, and let the market do the rest.

Why two debts of the same amount are worth different sums

The face amount is only the starting point. Two debts of 10,000 can be worth very different sums depending on the risk and the time to collect. One with a contract, invoice and judgment against a solvent debtor is worth a lot; another with barely any evidence against an untraceable debtor, very little. The calculator reflects that principle: it does not reward the size of the figure but the quality of the position. That is why strengthening the documentation or waiting for a judgment can raise your estimate without changing the amount.

Mistakes when estimating a debt's value

When working out what a debt is worth, it is easy to err in one direction: overvaluing it. The most common mistakes are assuming you will collect 100%, ignoring how long it will take, not deducting pursuit costs and forgetting the limitation period. A useful estimate is conservative and realistic: better to be pleasantly surprised by a good offer than to go to market with an inflated expectation that scares buyers off.

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