Pashut Neto
Precision and simplicity in every calculation
Updated: July 2026
Pashut Neto is a free Israeli site with 53 calculators in five languages — salary, mortgage, taxes, savings, health and everyday tools — updated with 2026 figures from the Tax Authority, National Insurance and the CBS. One question → one big number, no sign-up, no complications.
Salary & work
- Gross to Net How much of your gross salary do you take home in Israel? Income tax, Bituach Leumi and health tax by the 2026 brackets — free, no sign-up.
- Salary Percentile How does your salary compare to all of Israel? Compare against CBS wage deciles — free, updated for 2026.
- Severance Pay Severance (pitzuim) = last monthly salary × years of service. 12,000 ₪ × 5 years = 60,000 ₪. Free, updated for 2026, no sign-up.
- Unemployment Benefit Unemployment benefit (dmei avtala) 2026: a ₪10,000 average salary at age 30 pays about ₪6,400/month. Free, updated for 2026, no sign-up.
- Tax Refund Withheld more than the tax due under Israel's 2026 brackets? The difference is your refund. Free, updated for 2026, no sign-up.
- Hourly Wage ₪50/hour full-time (182 hours) = ₪9,100 gross per month, about ₪8,150 net. Free, updated for 2026, no registration needed.
- Vacation Days 3 years' seniority on a 5-day week = 12 vacation days a year. Free calculator, updated for 2026, no sign-up.
- Real Hourly Worth What is an hour of your work really worth after tax, commute and unpaid overtime? Free, updated for 2026, no sign-up.
- Part-Time Net A 12,000 ₪ full-time salary at 50% = about 5,690 ₪ net. Part-time net salary calculator for Israel — free, updated for 2026, no sign-up.
- Work Grant A parent of 2 earning ₪5,000/month gets about ₪585/month — about ₪7,020 a year. Free, updated for 2026, no registration needed.
- Maternity Pay Israeli maternity pay 2026: a 12,000 ₪ salary pays about 42,000 ₪ over 15 weeks. Free, updated for 2026, no sign-up.
- Convalescence pay 7 havraa days × 418 ₪ = 2,926 ₪ for 5 years' seniority, full-time. Free 2026 Israeli convalescence pay calculator — no sign-up needed.
- Child Allowance Israeli child allowance 2026: 173 ₪ for the 1st child, 219 ₪ for the 2nd-4th — 3 children = 611 ₪/month. Free, no sign-up.
- Reserve Duty Pay Daily rate = 3-month gross pay ÷ 90: 15,000 ₪/month → 500 ₪/day, 7,000 ₪ for 14 days. Free 2026 miluim calculator, no sign-up.
- Credit Points Each credit point is worth 242 ₪/month — 2,904 ₪/year. A mother of kids aged 2 and 8 gets 9.25 points = 26,862 ₪. Free, no sign-up.
- Employer Cost Gross 15,000 ₪ ≈ 18,126 ₪ total employer cost (factor 1.21): National Insurance, 6.5% pension, 8.33% severance. Free, no sign-up, updated for 2026.
- Self-Employed BTL A self-employed Israeli earning 15,000 ₪/month pays about 1,907 ₪ in Bituach Leumi and health insurance: 7.7% up to 7,703 ₪, 18% above. Free, no signup.
- Self-Employed Net ₪15,000 monthly profit self-employed ≈ ₪11,522 net after income tax, Bituach Leumi and health tax. Free, updated for 2026, no registration.
Housing & mortgage
- Mortgage Monthly mortgage payment by the Spitzer schedule: amount, rate and term — free, updated for 2026, no sign-up.
- Buy vs Rent Buy or rent in Israel? Compare end-of-term net worth: in the example renting leads by about ₪1.73M. Free, updated for 2026, no sign-up.
- Purchase Tax 2026 brackets: single home exempt up to ₪1,978,745; a ₪2.5M home pays ~₪20,500. Free, updated for 2026, no sign-up.
- Rental yield Gross and net rental yield on an Israeli apartment, with 2026 purchase tax and payback years. Free, updated for 2026, no sign-up
- Balloon Loan Monthly interest and final payment for a partial or full balloon loan in Israel, plus a Spitzer comparison. Free, updated for 2026, no sign-up.
- Mortgage Refinance How much does refinancing save? Example: ₪800,000 over 18 years, from 5.5% to 4.3% — ₪516/month and about ₪111,478 in total. Free, no sign-up
- Shevach Tax Single-home exemption up to 5,008,000 ₪; otherwise 25% on the post-2014 gain. Example: 1.5M ₪ gain → ~292,000 ₪ tax. Free, no sign-up.
- Rental Tax Rent up to ₪5,654/month is tax-exempt in Israel. Compare partial exemption, the 10% track and marginal tax: ₪6,500/mo ≈ ₪6,294/yr. Free, no sign-up
- Down Payment Minimum down payment in Israel: 25% for a first home — a 2,000,000 ₪ apartment needs 500,000 ₪; 50% for investment. Free, no signup.
Savings & investing
- Compound Interest What will monthly savings be worth in 10, 20 or 30 years? Free compound interest calculator — monthly deposit, return and term.
- Habit Cost A ₪15 daily coffee = about ₪237,000 over 20 years at 7%. Free, updated for 2026, no sign-up.
- Millionaire Timeline Start with 100,000 ₪ and add 5,000 ₪/month at 7%: you cross 1,000,000 ₪ in about 9.5 years (114 months). Free, updated for 2026, no sign-up.
- Study Fund A 12,000 ₪ salary for 6 years at 7% grows to about 107,000 ₪ — 64,800 ₪ of it employer money. Free, updated for 2026, no signup.
- Pension Fee Comparison Max fees (6%/0.5%) vs 1.5%/0.1% on a 2,000 ₪ monthly deposit over 30 years: a gap of about 182,000 ₪ at retirement. Free, updated for 2026, no signup.
- Loan or Invest Take a loan and keep the cash invested, or pay cash? A pure-numbers comparison on ₪100,000 over 10 years. Free, updated for 2026, no sign-up
- Pension Calculator Age 30, a 15,000 ₪ salary at 4% grows to about 3.25M ₪ by 67 — a pension of about 16,269 ₪/month plus BTL. Free, updated for 2026, no signup.
- Retirement Age Israel retirement age: men 67, women 62–65 by birth year — born 1965 retires at 63 + 9 months. Get your exact retirement date. Free, no signup.
- Capital Gains Tax 25% tax on the real gain: bought at 100,000 ₪, sold at 130,000 ₪ with 10% inflation → 5,000 ₪ tax, not 7,500 ₪. Free, updated for 2026, no signup.
- Savings Goal Reaching 500,000 ₪ in 10 years at 7% takes about 2,889 ₪ a month. Free savings goal calculator for Israel — no signup.
- FIRE Calculator Rule of 25: spending 12,000 ₪ a month means you need 3,600,000 ₪. Free FIRE calculator — years to financial independence, no sign-up.
- Inflation Calculator Real value = amount ÷ (1+inflation)^years. 100,000 ₪ left in cash for 10 years at 3% is worth only ~74,409 ₪ today. Free, no signup.
- Savings per Child 58 ₪ a month from birth to 18 at 7% grows to about 25,000 ₪ — about 50,000 ₪ if doubled to 116 ₪. Free, updated for 2026, no signup.
Health & Fitness
- BMI Calculator BMI = weight ÷ height². Example: 70 kg at 175 cm = 22.9, normal weight. Free BMI calculator using the WHO formula — no sign-up needed.
- Daily calories Mifflin-St Jeor: man 30, 70 kg, 175 cm, moderate activity ≈ 2,556 kcal/day. Free BMR/TDEE calorie calculator — no sign-up needed.
- Pregnancy Week Due date = last period + 280 days (40 weeks): LMP 1 May 2026 → due 5 Feb 2027. Free pregnancy week calculator, no sign-up.
- Ovulation Calculator Free ovulation calculator: ovulation is ~14 days before your next period. Period on 1.7, 28-day cycle — ovulation 15.7, fertile window 11–16.7. No sign-up.
- Water Intake About 35 ml per kg of body weight: a 70 kg person needs ~2.5 L a day (~10 cups). Free water calculator, no sign-up.
Everyday
- Age Calculator Your exact age in years, months and days, total days lived and days to your next birthday. E.g. born 15.3.1990 — 13,276 days. Free, no sign-up.
- Days Between Dates 5.7.2026 to 12.7.2026 = 7 days, 1 full week, 5 work days (Sun–Thu). Free date-difference calculator for Israel — no sign-up.
- Percentage calculator What is 15% of 200? Exactly 30. Free percentage calculator: percent of a number, X as a % of Y, and % change — no sign-up needed.
- VAT Calculator Israeli VAT is 18%: 100 ₪ + VAT = 118 ₪, and 118 ₪ includes 18 ₪ VAT. Add or extract VAT instantly — free, no signup.
- Tip Calculator Bill × tip % ÷ diners. Example: a 200 ₪ bill with 12% split 4 ways = 224 ₪ total, 56 ₪ each. Free Israeli tip calculator — no sign-up.
- Gematria Calculator Every Hebrew letter has a value: א=1 up to ת=400. Example: chai=18, shalom=376. Free gematria calculator for any word or name — no signup.
- Unit Converter 1 inch = 2.54 cm, so 254 cm = 100 inches. Convert cm-inch, kg-lb, km-mile, m-ft and Celsius-Fahrenheit instantly — free, no sign-up.
- Weighted Average Weighted average = Σ(grade × weight) ÷ Σ(weights). Example: 90×2 + 80×3 units = 84. Free calculator for bagrut and degree GPA — no sign-up.
Sources
This calculation is a general estimate for illustration only. It does not constitute tax, pension, or investment advice, nor a substitute for personal advice from a licensed professional, and should not be relied on for decisions.