Compare calculators

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

Retirement Income Calculator

Estimates the annual income you'll need in retirement by adjusting your current income for a chosen replacement rate and projected inflation over the years until you retire. Use it when setting a savings target or stress-testing retirement plans.

Current Annual Income ($)

Income Replacement Rate (%)

Expected Inflation Rate (%)

Years Until Retirement (years)

Fill in the required fields to see your result.

Key differences

	Pension vs Lump Sum Calculator	Retirement Income Calculator
Category	Retirement	Retirement
Inputs required	6	4
Result	Pension Advantage Over Lump Sum ($)	Annual Income Needed in Retirement ($)
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.	Estimates the annual income you'll need in retirement by adjusting your current income for a chosen replacement rate and projected inflation over the years until you retire. Use it when setting a savings target or stress-testing retirement plans.