Free Pension Analysis — Instant Comparison

Pension or Lump Sum: Which Puts More in Your Pocket?

This choice is permanent — pick wrong and it could cost you hundreds of thousands. Run the actual numbers before you sign anything.

Break-Even Analysis

Inflation Adjusted

No Obligation

Enter Your Offer

Your monthly pension amount and lump sum offer details

See the Real Comparison

Watch both options play out over your entire retirement

Know Your Break-Even

See the exact age where one option overtakes the other

Why This Matters

The Biggest Irreversible Decision of Your Financial Life

Once you choose pension or lump sum, there's no going back. The wrong choice doesn't just cost you money — it costs you decades of compounding or guaranteed income you can't replace.

See the exact break-even age for your specific pension and lump sum offer

Compare guaranteed lifetime income vs. investment growth potential

Factor in inflation, survivor benefits, and tax implications

Make a confident, data-backed decision on an irreversible choice

Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, tax, or investment advice. Results are estimates based on the assumptions and inputs provided and are not guaranteed. Actual outcomes may vary. Consult with a qualified financial advisor or tax professional before making any financial decisions.

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