LEVEL 500 · TOP OF CLIMB
Compare the present value of lifetime pension payments with the lump sum offered in exchange for them.
Use the lump-sum and monthly-pension offers from the same plan election.
1 · Your pension offer
2 · Years and pension increases
3 · Comparison assumptions
This model cannot value health, spouse or survivor elections, plan solvency, PBGC limits, taxes, rollover execution, creditor protection, investment behavior, or the psychological value of guaranteed income. Verify the exact plan election documents.
Review the inputs, then select Calculate.
Present value means today’s value of the modeled pension payments. The future lump-sum balance assumes no withdrawals; it is a separate projection.
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ONE NEXT MOVE
Your result will explain the next action. Saving records the plan; it does not mark a financial problem resolved.
OPTIONAL NEXT TESTS
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