Pension Valuation Calculator

Estimate the the present value of future pension payments.

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Total Present Value of Pension

The equivalent lump sum value of all future expected payments today.

If Discount Rate +1% $0

If Discount Rate -1% $0

Starting Monthly Benefit ($)

Start Year

Pensioner Age at Year 1

Expected Age at Death

Annual COLA (%)

Discount Rate (%)

Survivor Benefit (%)

Percentage of benefit paid to survivor after pensioner's death.

Expected Years Survivor Receives Payments

Projected years survivor lives and receives benefits after pensioner passes.

Survivor Receives COLA?

Pension Valuation Data
Year	Pensioner Age	Nominal Annual Benefit	Present Value (This Year)	Cumulative PV

Benefits are calculated annually for simplicity.
The survivor's benefit phase begins the year the pensioner reaches their Expected Death Age.
The discount rate assumes end-of-year cash flows for Present Value (PV) calculations.
Projections are capped at a maximum of 100 projection years to prevent runaway inputs.
All figures are pre-tax.