Pension IRR Calculator
Estimate the Internal Rate of Return of a pension plan.
Personal IRR
Return strictly on your out-of-pocket employee contributions.
Total Plan IRR
Return based on combined employee + employer contributions.
Note: Plan IRR is mathematically lower than Personal IRR because employer contributions are counted as an additional upfront cost, while the final benefit payout remains the same.
Methodology Note: All IRR calculations assume cash flows occur at the beginning of each period (annuity-due). Nominal IRR is the unadjusted return. Real IRR adjusts the nominal return for inflation using the Fisher equation.
Timeline & Base Assumptions
Accrued by the last year of contributions.
Pre-retirement.
In retirement.
For Real IRR.
Compensation & Contributions
Base comp subject to contributions.
Annual raise.
Your deduction as a % of your growing salary.
Employer match/cost as a % of your growing salary.
Cash Flow Chart
Projection Data
| Age | Status | Annual Salary | Employee Contrib (Out) | Employer Contrib (Out) | Pension Benefit (In) |
|---|