Pension Equivalent Value Calculator methodology

presentValueToday = valueAtRetirement ÷ (1 + annualDiscountRate)^yearsUntilRetirement

valueAtRetirement = present value at retirement of the entered growing annual benefit stream

equivalentAnnualContribution = valueAtRetirement ÷ future-value contribution factor

equivalentContributionShareOfSalary = equivalentAnnualContribution ÷ currentAnnualSalary

Money inputs and outputs use the currency selected in the scenario without changing the canonical methodology. Pay, time, benefits and work-related costs use the units stated beside each input.

• Benefit and salary are positive.
• Payment and retirement horizons are 1 to 50 whole years.
• Rates are greater than -100%.

• Benefits follow the entered growth rate.
• Discount rate is user-entered.
• Equivalent contributions occur annually through retirement.

This calculator has no current policy-data dependency. Its work and pay assumptions are user supplied. Registered family-level regression suites exercise the shared work-logic engine and worked-result reconciliation.

• No plan solvency, survivor benefit, indexation rule, tax or jurisdiction policy is applied.
• Longevity beyond the entered payment years is excluded.
• This is not pension or investment advice.

This is educational decision support, not personalised tax, legal, financial or career advice. Check the treatment of your circumstances under the rules that apply to you and seek qualified advice where appropriate.

Registered family-level suites test formula invariants and example reconciliation; the release ledger records that coverage without claiming a separate oracle for every line of public copy. There is no official threshold or benchmark to refresh for this calculator. Work and pay inputs remain user-supplied because they vary by person, job and contract.

1. 2026-07-27: Initial public release of the Pension Equivalent Value planner and methodology.