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

Pension vs Lump Sum Calculator

Compare whether a monthly pension annuity or a one-time lump sum payout is worth more in today's dollars. Use this at retirement when your employer offers both options.

Monthly Pension Amount ($)

Lump Sum Offer ($)

Current Age (years)

Life Expectancy (years)

Expected Investment Return (%)

Inflation Rate (%)

Fill in the required fields to see your result.

Retirement

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.

Key differences

	Pension vs Lump Sum Calculator	Pension vs Lump Sum Calculator
Category	Retirement	Retirement
Inputs required	6	6
Result	Better Choice Present Value ($)	Pension Advantage Over Lump Sum ($)
What it does	Compare whether a monthly pension annuity or a one-time lump sum payout is worth more in today's dollars. Use this at retirement when your employer offers both options.	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.