Salary Engine
The Gross-to-Net Salary Engine
Your Israeli payslip is built from four moving parts — progressive tax, Bituach Leumi, pension, and credit points. For an oleh there's a fifth: bonus credit points that quietly fade over your first three and a half years, shrinking your take-home even if your salary never changes. This shows you the whole curve.
Gross to net, line by line
Your take-home over the first four years
How this works. The engine applies Israel's 2026 monthly income-tax brackets to your gross, subtracts your credit points at ₪242 each, then deducts Bituach Leumi and health tax on the tiered structure up to the contribution ceiling, plus your pension share. For an oleh it reads your bonus credit points from the statutory schedule — 3 points for the first 18 months, 2 for the next year, 1 for the year after — and plots how your net falls at each step even on an unchanged salary.
This is an estimate, not your tlush. Israeli payroll uses cumulative annualised withholding, so a given month can differ; child credit points vary by age and parent; the pension tax credit and the 2026 exemption have ceilings and conditions this tool simplifies. Confirm with your employer's payroll, an Israeli accountant, or the official figures. olimadvice.com