Tax Simulators
2026 rates

Net Salary Calculator

Convert a monthly gross salary into net, with a full breakdown including pension and Keren Hishtalmut.

₪

Executive package (pension + keren)

Includes Manpower-style employee contributions: 6% pension and 2.5% Keren Hishtalmut.

Employer benefits (optional)

Enter exact payslip amounts: נסיעות (cash) and שווי ארוחות (taxable only). Employer keren zakif (₪847) is calculated automatically.

0

I am an Oleh Hadash

2022+ schedule: 1 pt (year 1), 3 pts (months 13–30), 2 pts (months 31–42), 1 pt (months 43–54).

Olim 2026 reform (Smotrich law)

Full income-tax exemption on Israeli active income for new immigrants and returning veteran residents who arrived from 5 Nov 2025.

Estimated monthly net salary

75% of gross
₪11,245
Monthly gross salary (ILS)₪15,000
Bituach Leumi− ₪542
Health insurance− ₪604
Income tax− ₪1,572
Pension tax credit+ ₪238
Employee pension (6%)− ₪900
Keren Hishtalmut (2.5%)− ₪375
Estimated monthly net salary₪11,245
Income tax₪1,334
Bituach Leumi₪542
Health insurance₪604
Employee pension (6%)₪900
Keren Hishtalmut (2.5%)₪375
Credit points (Nekudot Zikui)2.25
Total employer cost (est.)₪19,178

Total employer cost (est.)

Net is based on cash paid (gross + travel). Meals (שווי) raise tax and Bituach Leumi without adding cash. Keren zakif (₪847) is included automatically. A ~₪250 gap vs Michpal may remain (cumulative withholding).

These simulations are indicative, based on 2026 rates, and do not constitute tax advice. Consult a BNG & CO expert for a personalized analysis.

Discuss my situation

Convert a monthly gross salary in Israel into net pay: income tax, National Insurance, health insurance, pension and keren hishtalmut using 2026 rates. Ideal for offer negotiations, employee vs freelance comparisons or payslip checks.

How to convert gross to net

  1. Choose employee, self-employed or hybrid mode and enter monthly gross.
  2. Add executive package options, travel, meals and Oleh status if relevant.
  3. Review deductions, credit points and estimated employer cost.

FAQ — Net salary Israel

What is the difference between net and employer cost?
Net is what you receive. Employer cost adds employer social charges and shows the real company budget.
Does the calculator include mandatory pension?
Yes — you can enable a typical package (pension + keren). Rates reflect 2026 figures in the tool.
Why might results differ from Michpal or my payslip?
Annual cumulative tax, contribution ceilings or missing benefits can create a gap (often ~ILS 250). Treat this as an estimate.
Can I model a self-employed person?
Yes. Self-employed mode estimates tax and contributions on profit. For monthly advances, also use the advance-payments simulator.
Review my payroll with a CPA