Calculadora de Pensión
Calcula tus beneficios de pensión basados en años de servicio y salario final.
Pension Plan Details
Pension Benefits
Total Years of Service:40 years
Vesting Status:Fully Vested
Monthly Benefit:$5,667
Annual Benefit:$68,000
Guaranteed for Life
Lifetime Value
Years in Retirement:20 years
Lifetime Value (No COLA):$1,360,000
With 2% COLA:$1,652,221
Survivor Benefit:$2,833/month
💡 COLA adjustments protect against inflation, adding $292,221 in lifetime value.
Lifetime Value Breakdown
Pension Formula Breakdown
Annual Benefit = Final Salary × Years of Service × Multiplier
$85,000 × 40 × 2% = $68,000
Final Salary
$85,000
Usually highest 3-5 years average
Years of Service
40 years
Total credited service time
Multiplier
2%
Per year of service
Pension vs 401(k) Considerations
Pension Advantages:
- • Guaranteed income for life
- • Employer bears investment risk
- • Often includes survivor benefits
- • May include COLA adjustments
- • No market volatility risk
Considerations:
- • Requires long-term employment
- • Benefits tied to employer's solvency
- • Less portable than 401(k)
- • May have vesting requirements
- • Limited control over investments
💡 If you have both a pension and 401(k), you have a strong retirement foundation. The pension provides guaranteed income while the 401(k) offers flexibility and growth potential.
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⚠️ Solo para Fines de Planificación
Estos cálculos son estimaciones para fines educativos y de planificación. Siempre consulta con profesionales financieros calificados antes de tomar decisiones financieras.