Run the numbers before you sign.
Calculation tables I built for my own decisions on buying, renting, investing and earning in Israel, now shared for free so you can think things through. Updated with this year’s rates.
Property
Buy or rent?
Compare buying with a mortgage against renting and investing the difference, year by year, with every cost Israelis forget.
Open the toolMortgage
Monthly payment, total interest and CPI effect for your mortgage mix, track by track.
Open the toolPurchase tax
Calculate your mas rechisha and the full cost of buying, bracket by bracket.
Open the toolRental yield
Short-term (Airbnb) or long-term lease? Compare yield and cash flow side by side.
Open the toolRental income tax
Exempt, 10% or marginal? Find the cheapest way to declare your rent.
Open the toolIncome and taxes
Net salary
From gross to net: income tax, Bituach Leumi, pension and keren hishtalmut, plus what you cost your employer.
Open the toolSelf-employed tax
Income tax, Bituach Leumi and VAT for an osek: what you keep and what to set aside every month.
Open the toolCompany or self-employed?
Osek or company? Compare what you keep, and find the best split between salary and dividends.
Open the toolFrance vs Israel
The same salary in France and in Israel: income tax, social charges and what you take home.
Open the toolCapital gains tax
Selling an apartment? Estimate your mas shevach with the single apartment exemption and the linear calculation.
Open the toolBusiness
Break-even
How many sales you need each month to cover your costs, and how long it takes to get there.
Open the toolPricing and margin
From cost to price for the margin you want, or from price to margin, with VAT and platform fees.
Open the toolCap table and dilution
Founders, option pool, SAFEs and priced rounds: who owns what after each round, and what it is worth.
Open the tool12-month cash flow
Month-by-month cash for an Israeli business, with payment terms, bimonthly VAT and tax advances.
Open the toolThese calculators are spreadsheets I originally made for my own use, shared as they are to help you think things through. They give estimates based on the published rates for the current tax year and on the assumptions you enter, and they may contain errors or simplifications. They are not tax, legal or financial advice: check all the information yourself and with a licensed accountant, lawyer or mortgage adviser before making any decision.