"If she retires at 60, she will get ........$......., as well as an after-tax pension benefit of $53,847 a year, including a bridge benefit to 65."  Why can't you simply tell us the PRE-tax pension benefit including bridge, thus allowing us to understand and analyse the situation more easily.  After-tax numbers will depend on a whole host of things. I'm getting fed up with the smoke and mirror games we have to play.