Pension vs Lump Sum Calculator — Which Option Is Worth More?

Pension vs Lump Sum Calculator

Compare taking monthly pension payments vs a lump sum — find your break-even age.

Break-Even Age
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If you expect to live past the break-even age, the pension pays more. If not, the lump sum wins. Consider: longevity risk (pension pays as long as you live), investment risk (lump sum requires managing investments), inflation, and survivor benefits if applicable.

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