Contribution and growth model

Pension & Keren Hishtalmut Calculator

Estimate monthly contributions and project long-term balances for an employee package or a self-employed saving plan.

Calculator informationMethodology · Version history

Version2026.07.2

Last checkedJuly 16, 2026

Information typeRegulated contribution reference + projection model

Source basisGovernment rules, published pension references and user assumptions

Known limits: Returns, fees, tax relief and employer arrangements can differ; projected balances are not promised.

Update policy: Material rule changes and corrections are logged on the version-history page.

Saving mode

Monthly salary (₪)

Employee pension %

Employer pension %

Employer severance %

Employee keren hishtalmut %

Employer keren hishtalmut %

Projection years

Annual return before fees %

Annual fee drag %

Monthly pension contribution

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Monthly study-fund contribution

—

Projected combined balance

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Pension projected balance—

Keren projected balance—

Total contributions—

Modeled investment growth—

Recognized self-employed study-fund reference—

Important limitations

This is a savings-growth model, not a pension-income forecast. It does not model insurance coverage, actuarial balance, tax at withdrawal, salary caps, management fees from deposits, investment-track changes or future law.

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Useful next steps

Employee pension deductionsSee how employee pension deductions usually appear.Gross-to-net salaryEstimate take-home pay from an Israeli salary offer.Freelancer net incomeEstimate self-employed take-home income.