Lump sum vs annuity calculator

Present value of the annuity stream against the cash option, at your discount rate and tax rates.

After tax: lump $32,760,000 vs annuity totalling $94,500,000, worth $54,469,905 in present value at your discount rate.

At these inputs the better deal is: the annuity.

If you can genuinely invest at more than the rate implied by the annuity, take the cash. Background: the discount rate operators use.