Pension: Lump Sum or Monthly?

Should you take the lump sum or keep the monthly pension? This present-values the pension stream against the lump-sum offer and shows the break-even return. Free, no signup.

Or just ask out loud. Mali is a voice AI — talk to her and she runs this on your own linked accounts, then explains the answer out loud in plain English.

Educational estimate, not financial advice. Social Security calculator · Retirement calculator · Talk to Mali · All features