Explore retirement assumptions
See how time, contributions, inflation, and income goals interact.
UNDERSTAND YOUR NUMBERS. PLAN PROACTIVELY.
The Proactive
Wealth Toolkit
Turn complex financial questions into clear, practical numbers.
Educational tools for retirement, investing, and long-term wealth planning.
A practical toolkit by The Proactive Pension Manager to help you explore financial scenarios, understand your numbers, and plan more proactively.
Educational estimates only. No personal financial recommendations.
Simulate long-term wealth scenarios
Compare illustrative outcomes using clear, adjustable assumptions.
Understand risk before making decisions
Put required returns and purchasing power into useful context.
THE TOOLKIT
Tools for proactive long-term planning
Use the Retirement Planner and Wealth Goal Calculator today, with additional educational tools planned for future versions.
01Available
Retirement Planner
Estimate how much you may need for retirement and explore long-term withdrawal assumptions.
Open tool02Available
Wealth Goal Calculator
Explore how much you may need to save or invest to reach a long-term wealth goal.
Open tool03Coming Soon
Monthly Investment Simulator
Simulate how regular monthly contributions may compound over time under different assumptions.
Coming soon04Coming Soon
Portfolio Risk Dashboard
Review portfolio concentration, allocation, and basic educational risk signals.
Coming soon05Coming Soon
AI Market Brief Generator
Turn market inputs into a structured educational market summary and content draft.
Coming soon06Coming Soon
Content Machine for Investors
Transform one investment education idea into multiple social media content formats.
Coming soonAVAILABLE TOOL 01
Retirement Planner
Use this educational planner to explore retirement assumptions, estimated portfolio needs, and long-term withdrawal scenarios.
1
Enter today's figuresYour savings, contribution and desired income.
2
Choose inflationUse the estimate you are comfortable with.
3
Review your estimateSee the target, return and illustrative risk level.
02
Your educational estimate
Based on your assumptions and the 4% withdrawal rule.
Based on the assumptions you entered, this is the estimated portfolio balance required at retirement.
Illustrative balance at retirement ₪5,843,400 ₪3,000,000 in today's moneyNominal return needed9.08%Growth in the account balance, including inflation.
Real return needed6.42%Growth in purchasing power, after inflation.
Years to retirement27
Monthly income at retirement₪19,478Equivalent to ₪10,000 per month in today's purchasing power.
Illustrative return bandModerate
The required return is between 5% and 10%. Actual returns can vary substantially.
Based on these assumptions, this scenario requires an average nominal annual return of 9.08%.
How is this calculated?
Your desired annual income is multiplied by 25 under the 4% rule. Inflation converts today's target into future money. Current savings and annually indexed contributions are then projected with monthly compounding to estimate the required return.
Nominal return is the effective annual growth in the account balance, including inflation. Real return shows the estimated growth in purchasing power after inflation, calculated as (1 + nominal return) ÷ (1 + inflation) − 1.
Important
This is an educational projection based on user-provided assumptions, not a prediction, guarantee, or recommendation. The return band does not determine a suitable investment strategy.
Read the full Terms & Disclaimer4%
What is the 4% rule?
A common planning guideline that starts with withdrawing 4% of savings in the first retirement year. It is an estimate - not a guaranteed return or a promise that savings will last. The 4% rule is a simplified planning guideline and may not be suitable for every country, tax situation, pension structure, or market environment.
Included
Inflation, annually indexed contributions and monthly compounding.
Not included
Fees, taxes, pensions from other sources or market volatility.
AVAILABLE TOOL 02
Wealth Goal Calculator
Explore a long-term wealth scenario by solving for a projected balance, monthly contribution, time horizon, or required annual return.
02
Your educational estimate
Projected future wealth
Estimated nominal wealth after 20 years
₪1,402,041
An illustrative projection based on the assumptions entered, before adjusting for inflation.
Nominal future value₪1,402,041
Value in today's purchasing power₪855,625
Starting amount₪100,000
Total contributions₪480,000
Nominal / real return7.00% / 4.39%
How to read this result
This scenario assumes a constant annual return and unchanged monthly contributions. Actual outcomes will vary.
Important
This is an illustrative educational calculation, not a forecast, guarantee, or recommendation. Inflation is modeled as a constant assumption; taxes, fees, contribution increases, and market volatility are excluded.
Read the full Terms & Disclaimer
ABOUT THE TOOLKIT
Making long-term planning conversations more concrete.
The Proactive Wealth Toolkit is a practical educational toolkit created by The Proactive Pension Manager. It is designed to help private investors and retirement planners explore financial scenarios, understand assumptions, and make long-term planning conversations more concrete.
The toolkit does not provide financial advice, pension advice, investment advice, tax advice, or legal advice.
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EDUCATIONAL USE
Full disclaimer
Understand the assumptions before using the estimates.
This tool is for educational and informational purposes only. It does not constitute financial, pension, investment, tax, or legal advice. The calculations are illustrative estimates based on user-provided assumptions and may not reflect actual outcomes. Always consider your personal circumstances and consult a qualified professional where appropriate.