Here is the truth:
Most salary calculators in Israel are broken. They are either outdated, impossible to read, or they hide the numbers that actually matter to your bank account.
That’s why I built the Tax & Salary OS™.
Whether you are negotiating a new contract, thinking about freelancing, or just trying to understand where your money goes every month, this tool gives you the answer in seconds.
It calculates everything:
True Net Salary: What actually hits your bank account.
Hidden Deductions: Bituach Leumi, Health Tax, and Pension.
The “Secret” Credits: How much Nekudot Zikuy (Credit Points) are saving you.
Stop guessing. Enter your details below to see your real numbers.
Tax & Salary OS
2025 Master Calculator
1. Profile
2. Credit Points (Nekudot Zikuy)
Refund Master List
Calculate refunds for Donations, Expenses, Family Changes, and more.
Check if these happened this year but weren't updated in your payslip:
*Estimate. File Form 135/1301 to claim.
This tool is for general informational and educational purposes only and is based on assumptions that may not match your specific situation. Results are estimates only, are not guaranteed to be accurate, complete, or up to date, and do not constitute financial, legal, tax, or investment advice. You must verify all numbers, terms, and conclusions with qualified professionals (such as a lawyer, accountant, mortgage broker, or licensed real estate professional) before making any decision. By using this tool, you agree that Semerenko Group and its owners, employees, and partners are not responsible or liable for any loss, damage, or decision you make based on its results, to the fullest extent permitted by law.
Understanding Your Tlush: A Field Guide to Israeli Salaries
If you have ever looked at an Israeli payslip (Tlush Maskoret) and felt confused, you are not alone.
Between the Hebrew acronyms and the complex tiers, it’s easy to get lost. But as an investor and accountant, I can tell you this: Understanding these three lines is the key to building wealth in Israel.
Here is exactly how the calculation above works and what you need to watch out for.
1. Bruto vs. Neto (The Big Drop)
Your Bruto is the “sticker price” of your salary. It’s the number you negotiate. Your Neto is what you actually keep.
In Israel, the gap between the two can be anywhere from 10% to 50%, depending on your tax bracket. The calculator above uses the 2025 Marginal Tax Brackets to show you exactly how much of your next raise you will actually see.
2. The “Hidden” Taxes: Bituach Leumi & Mas Briut
Most people focus on Income Tax (Mas Hachnasa), but two other deductions take a bite out of your check first:
Bituach Leumi (Social Security): This is your safety net. It pays for maternity leave, unemployment, and reserve duty (Miluim).
Mas Briut (Health Tax): This funds your Kupat Cholim (HMO).
Pro Tip: Unlike Income Tax, these are capped. Once you earn above roughly ₪49,000 (as of 2025 estimates), you stop paying additional Social Security on the excess amount. Our calculator handles this cap automatically.
3. Your Secret Weapon: Nekudot Zikuy (Credit Points)
This is where most Olim and employees lose money.
Israel gives you “discount points” on your taxes called Nekudot Zikuy. Each point is worth ₪242 per month (approx. 2025 value) directly off your tax bill.
You get points for:
Being an Israeli resident (2.25 points base).
Being a woman (+0.5 points).
Having children (this is huge—each child adds massive value).
Completing an academic degree.
Making Aliyah (Olim Chadashim get significant breaks for 3.5 years).
The Mistake: If your employer doesn’t have your up-to-date details (like a new baby born this year), you are overpaying taxes every single month. Use the calculator to see what your tax should be.
4. Are You Owed a Refund?
The “Refund Simulator” tab above isn’t just a toy. It’s a money-finder.
In Israel, taxes are calculated annually but deducted monthly. If you didn’t work for 12 full months—because of unemployment, maternity leave, or switching jobs—you almost certainly overpaid.
Why? The tax authority assumed you would earn your high salary for 12 months. If you only worked 10, your annual income is lower, and you likely dropped into a lower tax bracket. Filing a Form 1301 (Tax Return) could get that money back into your pocket.
Bottom Line
Your salary is your primary engine for wealth creation. Don’t let the complexity of the Tlush scare you. Use the Tax & Salary OS above whenever your life changes—new job, new baby, or new year—to stay in control of your finances.
