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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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.