Cash Balance Pension Calculator

Project the hypothetical account balance of a cash balance pension plan.

Annual salary ($)Your pay used for the credit Pay credit (%)Percent of salary added each year, often 5-8 Interest credit (%)Yearly crediting rate, often 4-5 Years of serviceHow long you'll be in the plan

Projected account balance
Total pay credits added
Interest credited

Educational estimate only. Real plans may use rising salaries, variable interest crediting rates, and vesting schedules.

How it works

A cash balance plan gives you a hypothetical account that grows two ways each year: a pay credit (a set percentage of your salary) is added, and the whole balance earns an interest credit. This projects the balance forward assuming a level salary and splits how much came from pay credits versus interest — the lump sum you'd typically roll over or annuitize at retirement.

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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) → 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) →