Keren Hishtalmut Calculator
A keren hishtalmut is a savings fund most Israeli employers offer. Your employer usually adds 7.5% of your salary on top of your 2.5%, and the growth can be tax-free.
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- Deposits are modelled on salary up to the 2026 tax-free cap of ₪15,712 a month.
- The balance grows at your hypothetical return minus the yearly management fee.
- The comparison account gets the same deposits and return, but pays capital gains tax on the gain when you withdraw.
Questions
When can I withdraw?
Usually after 6 years from the first deposit, or after 3 years for approved study purposes. Rules differ for some cases, so check with your fund.
Which keren or investment track should I choose?
We do not recommend funds or tracks. Compare fees, track risk and past results on the government Gemel-Net site, and speak with a licensed pension adviser for personal advice.
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