Pension vs Index Fund Opportunity Cost Calculator

1. Timeline & Contributions

Start Contribution Age

Stop Contribution Age

Retirement Age (Phase II Start)

Final Horizon Age (Death)

Currency

Annual Inflation (%)

Initial Lump Sum

Starting Monthly Premium

Annual Premium Step-Up Rate (%)

Phase I Gross Return (%)

Phase I Fee Drag (%)

Phase II Gross Return (%)

Phase II Fee Drag (%)

Enforce Annuity Capital Forfeiture ($0 Legacy at Death)

Benchmark Preset

Phase I Gross Return (%)

Phase I Fee Drag (%)

Phase II Gross Return (%)

Phase II Fee Drag (%)

Monthly Gross Drawdown

Phase II Payout Tax Rate (%)

Adjust Monthly Drawdown for Annual Inflation

Milestone Horizon	Scenario A (Pension)	Scenario B (Benchmark)	Opportunity Cost Delta
Total Contributed Out-of-Pocket	€0	€0	€0 (Same Outlay)
Core Launchpad Base at Retirement	€0	€0	-€0
Monthly Net Pension Payout (After Tax)	€0	€0	Same Drawdown Rate
Terminal Legacy Base at Death	€0	€0	-€0

Core Capital Launchpad Deficit

€0

Pre-Retirement Fee & Yield Drag

Total Forfeited Family Legacy

€0

Includes Annuity Capital Forfeiture