CV Calculator

CV Calculator helps Canadian employees with defined benefit pensions make one of the most important financial decisions of their career — take the commuted value or keep the pension?

Built on the CIA §3500 (December 2020) standard, CV Calculator gives you professional-grade analysis in your pocket.

WHAT IT CALCULATES
• Commuted value using CIA §3500 actuarial methodology
• 12-month CV history — see how your value changes over time
• Optimal month finder — identify the best month to maximize your CV
• Sensitivity analysis — model how interest rate changes affect your CV
• Break-even calculator — compare taking the CV vs. keeping the pension

KEY FEATURES
• Save and compare multiple scenarios side by side
• Payment frequency comparison
• PDF export to share with your financial advisor
• Monthly rate alerts when CIA rates update
• No account required — all calculations happen on your device
• No data leaves your phone

IMPORTANT DISCLAIMER
CV Calculator is a planning tool, not financial advice. Results are estimates based on the inputs you provide. Always consult a qualified actuary or financial advisor before making pension decisions.

Built for Canadian defined benefit pension members.