learn.howToCalculate
learn.whatIsHeading
Evaluates lump sum pension settlements versus lifetime monthly payments accounting for life expectancy and returns.
Formula
PV of Annuity = PMT * [(1 - (1+r)^-n) / r]
Guida passo passo
- 1Enter monthly pension payment amount
- 2Input discount rate (expected return) and life expectancy
- 3Compare lump sum to annuity present value
Esempi risolti
Ingresso
$2,000/month pension, age 65, 3% discount rate, 25-year life expectancy
Risultato
Lump sum equivalent ≈ $530,000
Pension decision analysis
Errori comuni da evitare
- ✕Not considering inflation over time
- ✕Underestimating life expectancy
Pronto per calcolare? Prova la calcolatrice gratuita di Pension Lump Sum
Provalo tu stesso →