Pension Lump Sum vs. Annuity Calculator

Compare a pension lump sum with the present value of lifetime monthly payments.

Lump-sum offer ($)

Monthly pension payment ($)

Expected payment years

Discount rate (%)

Result

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Present value of pension payments—

Lump-sum offer—

Value difference—

About this calculator

Compare a pension lump sum with the present value of lifetime monthly payments.

This calculator provides an estimate for educational planning and does not replace individualized financial, tax, investment, retirement, or legal advice.