Annuity vs Lump Sum Calculator
Annuity payouts versus taking a lump sum.
Your annuity numbers never leave your browser — all math runs locally.Try: Premium=100000, Assumed rate=4, Payout years=20, Lump-sum return=6 → $100,000, $320,714, $-220,714, Lump sum (FV)
How to use
Compare the present value of the annuity’s payments with what the same money could grow to if invested as a lump sum.
FAQ
Which is safer?
The annuity removes longevity and market risk; the lump sum keeps control but risks both.
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