Free tool
Gross → Net salary calculator
Enter your gross salary and get an educational net estimate for Israel — tax, credit points, National Insurance, health and pension included.
Net salary simulator
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Gross -> Net Salary Calculator (Olim 2026)
Educational monthly net estimate including progressive tax, credit points, National Insurance + health, and employee pension.
Gender
Family
Section 40 of the tax code — rates below applied based on your gender.
Active rates (Section 40)
| Age | Father | Mother |
|---|---|---|
| Birth | 2,5 pt | 2,5 pt |
| 1–2 ans | 4,5 pt | 4,5 pt |
| 3 ans | 3,5 pt | 3,5 pt |
| 4–5 ans | 2,5 pt | 2,5 pt |
| 6–17 ans | 1 pt | 2 pt |
| Age 18 | 0 pt | 0,5 pt |
Children credit points: 0.00
Total: 2.25 credit pointsCivil Status
Note: divorce must be recognized by the Ministry of Interior for these points to appear on the payslip.
It is the only savings product in Israel fully exempt from capital-gains tax after 6 years. Ask for it during your interview.
ESTIMATED NET
11,548 ₪
Net
Income tax
National insurance + Health
Pension (employee share)
Keren Hishtalmout (2.5%)
Base points: 2.25 | Child points: 0.00 | Olim points: 0.00 | Total: 2.25 points
Total points2.25
Children credit points0.00
Single-parent point0.00
Shared custody bonus0.00
Mezonot point0.00
Point value242 ₪
Estimated taxable base14100 ₪
Income tax1392 ₪
Tax before credits1936 ₪
National insurance + Health1161 ₪
Employee pension rate (6%)900 ₪
Keren contribution (estimated employee share 2.5%)0 ₪
Total Nekoudot Zikouy2.25 points
Estimated monthly tax reduction545 ₪
Actions
Simulation based on 2026 ITA tax brackets and 2025 confirmed point value (242 ILS). BL+health ceiling applied at 47,000 ILS/month. Check your Tloush and ITA for exact figures.
FAQ - Net salary simulation in Israel
What is the 2026 value of one credit point (Nekouda)?
This simulator uses 242 ILS/month — the confirmed 2025 value (published by the Israeli Tax Authority). The official 2026 value is published by the ITA in late 2025; based on CPI trends (~3%/year), the 2026 value is estimated around 249 ILS/month. Verify on the ITA website (taxes.gov.il) for the confirmed 2026 figure.
How many credit points does a new Oleh receive?
Section 35 (Oleh Hadash credit): months 1–18 = +3 pts/month (726 ILS/month tax saving), months 19–30 = +2 pts/month (484 ILS/month), months 31–42 = +1 pt/month (242 ILS/month), added to base points (2.25 male / 2.75 female). After 42 months the Oleh credit expires.
How are children points calculated in 2026?
Per the official ITA simulator (secapp.taxes.gov.il): ages 0–5 are gender-neutral — birth 2.5 pts, age 1–2 4.5 pts, age 3 3.5 pts, age 4–5 2.5 pts. Ages 6–17: 1 pt (male) vs 2 pts (female). Age 18 (year of majority): 0 pt (male) / 0.5 pt (female). 1 pt = 242 ILS/month tax saving.