OpenChainGraph Suite · ART-283 · Retirement Decumulation

Pension Lump-Sum vs. Annuity Decision Engine

Compare a defined-benefit pension lump-sum offer against the single-life and joint-survivor annuity streams: present value at the stated discount rate with an optional labeled COLA assumption, survivor-option monthly cost, break-even discount rate, and undiscounted break-even age. Terminal node of the retirement-decumulation-decisions chain. Figures are user-supplied off the claimant's own election paperwork, no PII stored. Zero network.

DB Pension Election Decumulation Zero PII W3C VC §13.11

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Scope

Terminal node of retirement-decumulation-decisions chain (art-282→283). Survivor longevity is NOT separately modeled — the joint-survivor stream uses the same horizon as the single-life stream, a simplification. COLA, when toggled, applies a labeled flat-growth assumption, not a guaranteed plan term. Break-even rate is found by a fixed 60-iteration bisection, deterministic and reproducible on every JS engine.

Presets

Pension Election

lumpSum

monthlyAnnuitySingleLife

monthlyAnnuityJointSurvivor

currentAge

lifeExpectancy

discountRatePct

survivorPct

colaToggle

Labeled 2%/yr assumption, not a guaranteed plan term.

Decumulation Result