---
title: "Pension Lump-Sum vs. Annuity Decision Engine"
method: POST
path: "/v1/tools/compare_pension_lump_sum_annuity"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Pension Lump-Sum vs. Annuity Decision Engine

`POST /v1/tools/compare_pension_lump_sum_annuity`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compare_pension_lump_sum_annuity`
- Auth: none declared

Compares 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. NaN-safe. Zero network.

**Tool URL:** https://ainumbers.co/chaingraph/art-283-pension-lump-sum-vs-annuity-decision-engine.html

## Request body

- object
  - `election` unknown

## Response `200`

Successful tool execution result

- object
  - `annuityPV` number
  - `breakEvenAge` integer
  - `breakEvenRate` number
  - `colaApplied` boolean
  - `lumpSum` integer
  - `recommendation` string
  - `reinvestmentRequiredReturn` number
  - `survivorOptionCostMonthly` integer
  - `survivorPct` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)