A secure web app lets users enter pension offers, savings balances, expected spending, retirement dates, and tax assumptions, then compares scenarios side by side. It produces break-even ages, cash-flow timelines, liquidity impact, risk-adjusted alternatives, and exportable reports users can review before speaking with a planner.

More workers are moving between public, union, and private-sector jobs while trying to retire early or semi-retire. Pension transfer and buyback offers are high-stakes decisions that current FIRE calculators and basic retirement tools do not handle well.