如何计算Annuity vs Lump Sum
learn.whatIsHeading
When offered a pension payout, a lump sum gives all money upfront to invest, while an annuity provides guaranteed lifetime income.
公式
- PV
- Annual payment x [(1 - (1+r)^(-n)) / r] — Annual payment x [(1 - (1+r)^(-n)) / r]
分步指南
- 1Annuity PV = Annual payment x [(1 - (1+r)^(-n)) / r]
- 2If Annuity PV > Lump sum: annuity is mathematically better
- 3Longevity risk: annuities protect against outliving your money
例题解析
常见问题
What is Annuity Vs Lump?
When offered a pension payout, a lump sum gives all money upfront to invest, while an annuity provides guaranteed lifetime income. Use this calculator for accurate, instant results.
How accurate is the Annuity Vs Lump calculator?
The calculator uses the standard published formula for annuity vs lump. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.
What units does the Annuity Vs Lump calculator use?
This calculator works with inches, watts. You can enter values in the units shown — the calculator handles all conversions internally.
What formula does the Annuity Vs Lump calculator use?
The core formula is: Annuity PV = Annual payment x [(1 - (1+r)^(-n)) / r]. Each step in the calculation is shown so you can verify the result manually.
准备好计算了吗？尝试免费的 Annuity vs Lump Sum 计算器
自己尝试一下 →