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Both calculators run independently — change the inputs on either side to compare results.

Pension vs Lump Sum Calculator

Compare the total lifetime value of monthly pension payments against investing a one-time lump sum payout. Use it when your employer or pension plan offers both options at retirement.

Monthly Pension Payment ($)

Lump Sum Offer ($)

Current Age (years)

Life Expectancy (years)

Expected Investment Return (%)

Pension Type

Fill in the required fields to see your result.

Retirement

Pension Lump Sum vs Annuity Calculator

Compare the long-term financial value of taking a pension as a one-time lump sum versus a guaranteed monthly annuity. Use this at retirement when your employer presents both options and you need a data-driven choice.

Lump Sum Offer ($)

Monthly Annuity Payment ($)

Expected Investment Return (%)

Life Expectancy (years)

Inflation Rate (%)

Fill in the required fields to see your result.

Key differences

	Pension vs Lump Sum Calculator	Pension Lump Sum vs Annuity Calculator
Category	Retirement	Retirement
Inputs required	6	5
Result	Pension Advantage Over Lump Sum ($)	Optimal Choice Value ($)
What it does	Compare the total lifetime value of monthly pension payments against investing a one-time lump sum payout. Use it when your employer or pension plan offers both options at retirement.	Compare the long-term financial value of taking a pension as a one-time lump sum versus a guaranteed monthly annuity. Use this at retirement when your employer presents both options and you need a data-driven choice.