Success Rate
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1,000 Monte Carlo trials
Median Final Wealth
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at end of plan
SS at Claim Age (Annual)
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future dollars at claim age
🏥 Medicare IRMAA Surcharge Triggered
Portfolio Projection Paths · Median of 1,000 Trials
💰 Pension Option Comparison
Compare taking the full pension vs. a reduced pension with a beneficiary guarantee. Shows the monthly cost, breakeven age, max beneficiary payout, and whether investing the monthly difference beats the guarantee over your lifetime.
Guarantee Type
Full Pension (Monthly $)
Reduced Pension (Monthly $)
✦ Estimated 97% of full — verify with administrator
Beneficiary Monthly ($)
✦ Estimated 85% of full — verify with administrator
Current Age
Life Expectancy
Investment Return (%)
Beneficiary Age (Survivor only)
Only used for Survivor Benefit option
Monthly Cost of Guarantee
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Total Lifetime Cost
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Difference Invested at Death
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Max Beneficiary Payout
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Breakeven Age
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Probable Beneficiary Payout
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