🏦 Retirement & Pension Calculators
Plan your retirement income with clear numbers. Compare a pension's monthly payments to a lump-sum offer using present-value math, check your 401(k) match, and estimate retirement income. Results are planning estimates — always confirm with your plan documents.
Frequently asked questions
Are these retirement calculators exact?
No — they are planning estimates. The pension lump sum tool uses a single discount rate and a fixed payment horizon; it does not model IRS segment rates, mortality tables, taxes, or cost-of-living adjustments. Always confirm the numbers with your plan documents or a qualified advisor.
What is a pension lump sum?
A pension lump sum is a one-time payment your employer offers in place of lifetime monthly checks. Plans usually calculate it as the present value of your future payments using mandated interest rates and life-expectancy tables.
Is a 401(k) match part of retirement planning?
Yes. An employer 401(k) match is free money added to your retirement savings, but you only earn it if you contribute enough of your own pay. Our 401(k) match calculator shows exactly what you gain — or leave on the table.