Pension Calculator
A simple projection of the balance you'll accumulate by retirement and the estimated monthly annuity — based on monthly contribution, current savings and expected annual return. The calculation uses an average annuity coefficient of 200.
Enter your data
37 years until retirement
₪50,000
₪1,000/mo · ₪12,000/yr
3% per year (real, after inflation)
Defaults: 0.2% of balance and 1.5% of each deposit (2024 market averages).
Results
FINAL_BALANCE
₪963,571
Projected balance at age 67
MONTHLY_PENSION_EST
₪4,818
Estimated monthly pension · coefficient 200
DEPOSITED
₪494,000
COMPOUND_RETURNS
₪469,571
48.7% of final balanceBalance by age
| Age | Total deposited | Total balance |
|---|---|---|
| 35 | ₪110,000 | ₪122,728 |
| 40 | ₪170,000 | ₪207,209 |
| 45 | ₪230,000 | ₪305,344 |
| 50 | ₪290,000 | ₪419,340 |
| 55 | ₪350,000 | ₪551,759 |
| 60 | ₪410,000 | ₪705,579 |
| 65 | ₪470,000 | ₪884,259 |
| 67 | ₪494,000 | ₪963,571 |
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The math behind the savings — interest-on-interest over long horizons.
Explain →Notes on the calculation
- Real return — enter a return after inflation. 3% is a standard conservative value.
- Annuity coefficient — monthly pension uses coefficient 200, a typical value for retirement at age 67. The actual coefficient varies by fund, track and retirement age.
- Management fees — every 0.5% in fees on balance can reduce the annuity by 10% or more over decades.
- Employer contributions — for employees, the monthly contribution includes employee + employer + severance, totaling ~18.5% of gross salary.