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Lump Sum vs Annuity Calculator

Compares after-tax cash vs the annuity. Ignores what you could earn investing the cash, and inflation. Not financial advice.

Payout details

The headline jackpot — the annuity total advertised before tax.

After-tax comparison

Annuity keeps more

The after-tax gap between the two options.

$109,809,992.74 more

Lump sum (cash)

After tax

What you keep after federal and state tax.

$162,589,999.75
Gross cash value
$300,000,000.00
Tax
$137,410,000.25

Annuity (30 years)

After tax (total)

Sum of every payment, each taxed in its own year.

$272,399,992.49
First payment (gross)

Year 1 of 30 graduated payments.

$7,525,717.54

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