About This Site

Last updated: July 2026

What this is

Retirement & Pension Calculators is a free collection of tools that help people work through big retirement money decisions — whether to take a pension as a lump sum or monthly payments, how long savings will last, what an annuity is really worth, when to claim Social Security, and more.

How our calculators work

Every calculator here runs on standard, transparent time-value-of-money formulas — the same present-value and annuity math used throughout finance and actuarial work. We don't hide the method: each calculator explains in plain language what it is doing, so you can see exactly how a result is reached rather than trusting a black box.

What we stand for

Free and open. No sign-up, no paywall, no account.
Private. Calculations happen entirely inside your browser. We never see or store the numbers you enter — see our Privacy Policy.
Honest. These are educational estimates, not personalized financial advice — see our Disclaimer.

Contact

Found an error, or want a calculator that isn't here yet? Email hello@pensionlumpsumcalculator.com.

Our calculators:
Social Security Taxation → Guide: How SS Is Taxed → Net Worth → 401(k) Growth → Traditional IRA → 72(t) SEPP → FIRE Number → Guide: Tax on 401(k) Withdrawal → Guide: When Should You Retire → Fixed Annuity → Deferred Annuity → Annuity vs CD → Guide: Immediate Annuity Income → Guide: Should You Take a Buyout → Guide: SS Spousal Benefits → Guide: Pension COLA Raises → Guide: How Much to Retire → Guide: How a Lump Sum Is Calculated → Guide: Lump Sum vs Monthly → Guide: How to Calculate Your RMD → Guide: Early Withdrawal Penalty → Pension Lump Sum Tax → Interest Rate Impact on Lump Sum → Early Retirement Reduction → Roth Conversion → Inherited IRA (10-Year Rule) → TSP (Thrift Savings Plan) → Cash Balance Pension → QDRO / Divorce Pension Value → Pension Lump Sum vs Monthly → Pension Buyout / Commuted Value → Pension Survivor Benefit → Pension COLA → Immediate Annuity Payout → Annuity vs Lump Sum → Annuity Present Value → How Long Savings Last → Withdrawal Rate → How Much to Retire → Income Gap → Inflation Impact → Social Security Break-Even → RMD (Required Minimum Distribution) → Social Security Spousal Benefit → Pension vs 401(k) Rollover → Early Withdrawal Penalty → Pension Maximization → 403(b) Retirement Calculator → 457(b) Retirement Calculator → Rule of 55 Calculator → Backdoor Roth IRA Calculator → Social Security Claiming Age Optimizer → Federal Pension (FERS) Calculator → Net Unrealized Appreciation (NUA) →