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Retirement · Pension & Social Security

Pension vs. Lump Sum Calculator

Compare a monthly pension against taking a lump sum you invest yourself.

  • Free to use here · embed on the Business plan
  • 4 inputs · 5 results
  • English & Spanish

Try the Pension vs. Lump Sum Calculator

See which payout is worth more — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Pension vs. Lump Sum calculator works out

The Pension vs. Lump Sum Calculator is a free, embeddable calculator from CalcFunnel. Compare a monthly pension against taking a lump sum you invest yourself.

You enter 4 inputs: monthly pension, lump sum offer, years of payments and investment return (%).

It returns better option, pension present value, lump sum, lump sum monthly income and difference in present value.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Better Option
  2. 02Pension Present Value
  3. 03Lump Sum
  4. 04Lump Sum Monthly Income
  5. 05Difference in Present Value

The first figure — better option — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

The Two Options

Monthly Pension
The monthly pension payment offered.
Lump Sum Offer
The one-time lump sum offered instead of the pension.

Assumptions

Years of Payments
How many years you expect to receive the pension.
Investment Return (%)
The return you could earn investing the lump sum. Also used to value the pension.

For your website

Embed this calculator on your website

Put the Pension vs. Lump Sum Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Pension vs. Lump Sum calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Pension vs. Lump Sum Calculator calculate?
Compare a monthly pension against taking a lump sum you invest yourself. It returns better option, pension present value, lump sum, lump sum monthly income and difference in present value.
Q.02What information do I need to use the Pension vs. Lump Sum Calculator?
You enter 4 inputs: monthly pension, lump sum offer, years of payments and investment return (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Monthly Pension” mean in the Pension vs. Lump Sum Calculator?
The monthly pension payment offered.
Q.04What does “Lump Sum Offer” mean in the Pension vs. Lump Sum Calculator?
The one-time lump sum offered instead of the pension.
Q.05Is the Pension vs. Lump Sum Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the Pension vs. Lump Sum Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Pension vs. Lump Sum Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Pension vs. Lump Sum results financial advice?
No. Estimates only. Compares the present value of the pension to the lump sum at the return you enter; it ignores taxes, survivor benefits, COLAs and longevity risk. Consult a financial professional.

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