Money & Planning

Pension Lump Sum vs Monthly Pension Break-Even Calculator

Compare a pension lump sum with monthly pension payments using investment returns, annual increases, expected age, and break-even analysis.

Last updated: August 2026

CurrencyCurrent agePension start ageLump-sum offerMonthly pension paymentAnnual pension increase %Expected annual investment return %Annual investment fees %Expected comparison ageOptional annual withdrawal from lump sum

Value by age

Age	Lump-sum total value	Pension received	Difference	Higher-value option

Quick scenarios

Scenario	Lump-sum value	Pension received	Difference

Important limits

This is a simplified financial projection. Taxes, survivor benefits, inflation, investment volatility, pension guarantees, plan solvency, and personal health are not included unless reflected in your inputs. Investment returns are assumptions, not guarantees; this calculator does not recommend either pension option.