Made aliyah? Understand your Israeli payslip, pension and keren hishtalmut, in plain English.
Free 2026 calculators plus one-on-one financial education with Naftali Zuckerman. Education, not product sales: we never recommend specific funds or providers.
- No sign-up needed
- No commissions
- 2026 rates, checked Oct 2026
- In English
The Olim Money Path
- Read your payslipNet pay, tax, Bituach Leumi and oleh credit points
- Build a safety netHow much cash to keep for surprises
- Clear expensive debtA real debt-free date
- Pension and keren hishtalmutHow they grow and what fees cost
- Long-term saving basicsTime, fees and inflation in one chart
- Rent or buy a homeA fair comparison, including the down payment
Start with a free calculator
Every calculator runs in your browser. Nothing you type is sent to us, and you can share, save on your device or print your results.
Israeli salary (net pay)
See your 2026 net pay: income tax, Bituach Leumi, pension, keren hishtalmut and credit points, in plain English.
Free calculatorKeren hishtalmut
How much a keren hishtalmut can grow, and how its tax-free status compares with a taxable account.
Free calculatorIsraeli mortgage (mashkanta)
Split a mortgage into prime, fixed and CPI-linked tracks and see payments, total cost and Bank of Israel limits.
Free calculatorMonthly budget
See how your spending compares with the 50/30/20 guideline: needs, wants and savings.
One-on-one financial education
Sessions are about understanding: where your money goes, how Israeli accounts and benefits work, and how to compare your options yourself.
Free intro call
20 minutes
Tell us what's on your mind and we'll see if a session would help. No sales pitch.
Book a free intro callMoney clarity session
Price on request
Go through your payslip, budget, debts and savings together, with a written summary of what you learned and next steps to research.
Ask about this sessionOngoing coaching
Price on request
Regular check-ins to build habits, track progress and learn a topic at a time, such as pensions, mortgages or saving for a goal.
Ask about coachingWhat we do
- Explain your Israeli payslip, taxes, credit points and Bituach Leumi.
- Build a budget, an emergency fund and a debt payoff plan with you.
- Explain how pensions, keren hishtalmut, kupot gemel and mortgages work, including fees, tracks and tax.
- Show you how to compare products yourself using official tools such as Pensia-Net, Gemel-Net and Har HaKesef.
What we don't do
- Recommend a specific pension fund, keren, provider, investment track, fund, stock or other security.
- Sell financial products or take commissions or referral fees from anyone.
- Prepare tax returns. For that we suggest a licensed tax adviser (and for US taxes, a CPA or EA).
Hi, I'm Naftali Zuckerman
I run Zion Finance to help English speakers in Israel understand their money: the payslip, the pension, the keren hishtalmut and the decisions that come with them.
More about Zion FinanceBook a free intro call or ask a question
Naftali replies by email, usually within two business days.
Other ways to reach us
- Email
naftaliz@zionfinance.org - Phone
+972 53-286-4948 - Where
Israel, sessions online
Zion Finance provides education, not licensed investment or pension advice, and receives no commissions.