Free financial calculators
26 calculators built for life in Israel. They run in your browser: no sign-up, and nothing you type is sent to us.
Israel: salary, keren and mortgage
Built for Israeli payslips, funds and mortgages.
Israeli salary (net pay)
See your 2026 net pay: income tax, Bituach Leumi, pension, keren hishtalmut and credit points, in plain English.
IsraelKeren hishtalmut
How much a keren hishtalmut can grow, and how its tax-free status compares with a taxable account.
IsraelIsraeli mortgage (mashkanta)
Split a mortgage into prime, fixed and CPI-linked tracks and see payments, total cost and Bank of Israel limits.
Everyday money
Budget, emergency fund, health check and currency.
Monthly budget
See how your spending compares with the 50/30/20 guideline: needs, wants and savings.
Everyday moneyEmergency fund
How big your safety cushion should be and how long it will take to build.
Everyday moneyFinancial health score
A 0–100 snapshot of your savings, emergency cushion, debt and protection.
Everyday moneyCurrency converter
Convert between shekels and your home currency and see how much a bank spread really costs.
Debt
Plan your way out of debt.
Debt payoff planner
List your debts and see your debt-free date, total interest and the effect of paying a little extra.
DebtSnowball vs avalanche
Compare paying smallest balances first with paying highest rates first.
DebtCredit card payoff
How long a card balance takes to clear, and the interest cost, at the payment you choose.
DebtDebt-to-income ratio
Your debt payments as a share of income, compared with Israeli and US lending guidelines.
Saving and long-term growth
See how time, fees and inflation shape your savings.
Compound growth
See how regular saving grows over time, and how much fees and inflation take.
Saving and long-term growthRetirement and pension
Project an Israeli pension balance with deposit and balance fees, and the monthly pension it could pay.
Saving and long-term growthCost of waiting
What delaying your start by a few years could cost by the end.
Saving and long-term growthLifestyle inflation
What happens if you save part of every raise instead of spending it all.
Saving and long-term growthCompare two plans
Put two saving plans side by side: different amounts, returns or fees.
Saving and long-term growthSavings goal
How much to save each month to reach a goal by a deadline, such as a wedding, car or down payment.
Saving and long-term growthPresent / future value
What a sum today is worth in the future, or what a future sum is worth today.
Saving and long-term growthReturn on investment
Total and yearly (annualised) return from what you paid and what you got back.
Saving and long-term growthInflation
How inflation changes what your money can buy over time.
Saving and long-term growthSimple vs compound interest
See the difference between earning interest only on your deposit and earning interest on interest.
Home and car
Rent or buy, affordability and big purchases.
Rent vs buy
Compare buying a home with renting and investing the difference, including the opportunity cost of your down payment.
Home and carSaving for a home
How long until you have the equity and purchase costs for a home.
Home and carHome affordability
The price range your income and equity support under Israeli or US lending rules.
Home and carAmortization schedule
A year-by-year schedule of principal and interest, with the effect of extra payments.
Home and carCar ownership cost
The real monthly cost of owning a car: depreciation, financing, fuel, insurance and upkeep.