Estimate the current portfolio-equivalent value, value when payments begin, pension multiple, survivor value, and future purchasing power of a pension using embedded 2026 assumptions.
Assumptions last updated August 2, 2026. All financial calculations are performed on the server in PHP.A rough planning estimate, not a pension plan lump-sum quote.
Discount-rate sensitivity range: $418,289 to $510,389.
$50,000 per year ($4,166.67 per month) beginning in 5 years, valued with a single life form and no cola; level nominal benefit, produces an estimated current value of $461,326. The retirement-date amount is higher because it is measured at commencement and is conditional on the pension beginning.
| Timing | Primary annual pension | Approximate value in 2026 dollars |
|---|---|---|
| When payments begin (age 65) | $50,000 | $44,288 |
| 10 years after start (age 75) | $50,000 | $34,937 |
| 20 years after start (age 85) | $50,000 | $27,560 |
| 30 years after start (age 95) | $50,000 | $21,741 |
The primary pension column applies while the primary beneficiary is alive.
| Period after payments begin | Primary age | Expected cumulative nominal payments |
|---|---|---|
| First 10.0 years | 75 | $471,667 |
| First 20.0 years | 85 | $837,151 |
| First 30.0 years | 95 | $999,269 |
These expected amounts are conditional on pension commencement and use the selected mortality and survivor assumptions.
The estimate values monthly expected pension payments using embedded 2026 mortality rates, a maturity-matched Treasury-rate proxy, and the selected COLA. The retirement-date value assumes the primary beneficiary is alive when payments begin; for joint benefits, both people are assumed alive at commencement. The current value reflects survival to the selected start date.
The displayed sensitivity range is created by shifting the embedded discount curve 0.75 percentage point higher and lower. It is not a confidence interval and does not capture every source of uncertainty.