Пенсійний калькулятор

Розрахуйте свою пенсію з визначеною виплатою, порівняйте варіанти одноразової виплати та ануїтету або оцініть придбання додаткових кредитів на послуги.

Ваші дані

Тип калькулятора

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Коригування вартості життя

Select a calculator type, enter your details, and click Calculate to see your pension results and projections.

Повний посібник користувача

What is a Defined Benefit Pension?

A defined benefit (DB) pension is a retirement plan where your employer promises a specific monthly or annual benefit at retirement, based on your salary history and years of service. Unlike defined contribution plans (e.g. 401(k)), you do not manage the investments; the employer bears the investment risk and guarantees the benefit.

Annual Pension = Final Salary × Years of Service × Multiplier (%)

Common multipliers range from 1.5% to 2.5% per year of service. Your final salary is often an average of your last few years of employment.

Calculator Types

Пенсія з визначеною виплатою

Estimate your annual and monthly pension based on final salary, years of service, and a benefit multiplier. Includes COLA (cost of living) projection and present value estimate.

Одноразова сума проти ануїтету

Compare taking a lump sum payout versus a lifetime annuity. The calculator projects how long the lump sum would last if invested and withdrawn at the same rate as the annuity, and suggests which option may be better for your situation.

Як користуватися цим калькулятором

  1. Select the calculator type: Defined Benefit Pension or Lump Sum vs Annuity.
  2. For Defined Benefit: enter final salary, years of service, multiplier, current age, retirement age, and COLA rate.
  3. For Lump Sum vs Annuity: enter the monthly annuity offered, the lump sum offered, retirement age, life expectancy, and expected investment return.
  4. Click 'Calculate Pension' to see your results.
  5. Review the main result card, stats, and charts.
  6. Use this guide to interpret the results and formulas.

Розуміння ваших результатів

Defined Benefit: Annual & Monthly Pension

Your estimated benefit in today's dollars. The replacement ratio is (annual pension ÷ final salary) × 100 and shows what share of your pre-retirement income the pension replaces.

Total Over 30 Years & Present Value

Total benefits assumes 30 years in retirement with COLA applied each year. Present value discounts those future payments to today's dollars at a 4% rate, giving an equivalent lump-sum value.

Lump Sum vs Annuity: Recommendation

If the lump sum, invested at your expected return and withdrawn at the annuity rate, would still have money left after your life expectancy, the calculator may suggest lump sum. If it would run out sooner, annuity may be better for guaranteed lifetime income.

Розуміння діаграм

Annual Benefit Over Time (with COLA)

A line chart showing your projected annual pension payment each year in retirement. The line rises over time when COLA is applied, so you can see how your benefit grows with inflation.

Lump Sum Balance Over Time

Shows the projected balance of the lump sum each year if you invest it and withdraw the same amount as the annuity. If the line falls to zero before your life expectancy, the annuity may provide more security.

Формули

Key formulas used by this calculator:

Defined Benefit (annual pension):

Annual Pension = Final Salary × Years of Service × (Multiplier ÷ 100)

With COLA (year n):

Benefit in Year n = Annual Pension × (1 + COLA%)n

Lump sum projection:

Each month: Balance = Balance × (1 + monthly return) − (annual annuity ÷ 12). The calculator runs this for each year of retirement to see when the balance would reach zero.

Важливі зауваження

  • This calculator is for educational and informational purposes only. It is not financial, tax, or legal advice.
  • Actual pension benefits depend on your plan's specific rules, early retirement factors, and any survivor options. Contact your plan administrator for exact figures.
  • Lump sum vs annuity choice involves longevity risk, inflation, and taxes. Consider consulting a financial advisor before deciding.

Tips

  • Use your best estimate of final average salary—often the average of your last 3–5 years.
  • COLA rates vary by plan; 2%% is a common assumption but check your summary plan description.
  • For lump sum vs annuity, use a conservative expected return (e.g. 4–5%%) to test whether the lump sum would still last.
  • If you expect to live longer than the default life expectancy, the annuity may become more attractive.

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