Net salary calculator for employees in Israel
Type a gross monthly salary to see the income tax, national insurance, health tax and pension taken off it at the 2026 rates.
Gender
A man starts with 2.25 credit points.
You take home
₪11,623a month
That is 77.5% of your gross salary, or ₪139,477 a year.
- Net pay₪11,62377.5%
- Income tax₪1,3348.9%
- National insurance and health tax₪1,2178.1%
- Pension, your 6%₪8265.5%
Of every extra ₪100 you earn at this salary, you keep ₪68.
Credit pointsChildren, new immigrant, discharged soldier, degree2.25 points
The point counts from the year after you graduate, for up to 3 years (2 for a master's).
Together 2.25 credit points, which take ₪544.50 off your income tax every month.
Of ₪15,000 gross, you keep ₪11,623 and ₪3,377 goes to income tax, insurance and pension.
- Gross salary
- ₪15,000.00
- Income tax before credit points
- ₪2,116.00
- Less 2.25 credit points
- ₪544.50
- Less the tax credit for your pension
- ₪237.65
- Income tax
- ₪1,333.85
- National insurance1.04% up to ₪7,703, 7% above
- ₪590.90
- Health tax3.23% up to ₪7,703, 5.17% above
- ₪626.06
- Pension, your 6%On your pay up to ₪13,769, saved in your pension fund
- ₪826.14
- Net pay
- ₪11,623.05
Income tax is charged band by band, and each rate applies only inside its band.
- 10% of the first ₪7,010₪701.00
- 14% of the next ₪3,050₪427.00
- 20% of the next ₪4,940₪988.00
Each credit point takes ₪242 off the tax every month.
Employing you at this salary costs ₪17,623 a month, ₪2,623 more than the gross.
- Gross salary
- ₪15,000.00
- Employer national insurance4.51% up to ₪7,703, 7.6% above
- ₪901.98
- Employer pension6.5% of the pay up to ₪13,769
- ₪894.99
- Severance pay6% of the pay up to ₪13,769
- ₪826.14
- Total cost to the employer
- ₪17,623.11
A study fund, travel pay, recuperation pay and meals are not counted.
These three pages answer what people ask next about earning and living in Israel.
Cost of Living in Israel
Rent, groceries and salaries in real numbers.
Aliyah Guide
The whole move, step by step.
Shekel to Dollar
Today's rate, converted both ways.
People ask these questions about net pay in Israel.
How much is the net minimum wage in Israel?+
The minimum wage is ₪6,443.85 a month from 1 April 2026. After income tax, national insurance, health tax and the 6% pension, a man with no children takes home about ₪5,782.
How much is the net pay on the average wage?+
The National Insurance Institute puts the average wage at ₪13,769 a month in 2026. With the same deductions a man with no children takes home about ₪10,788, or 78% of it.
What is deducted from a salary in Israel?+
Income tax at 10% to 47% by band, less credit points. National insurance at 1.04% of the first ₪7,703 and 7% above it, and health tax at 3.23% and 5.17%; neither is charged above ₪51,910 a month. The pension takes 6% of the pay up to ₪13,769.
What is a credit point?+
A credit point takes ₪242 off your income tax every month. A resident man starts with 2.25 points and a woman with 2.75. Children, new immigrants, discharged soldiers and graduates get more, and the points cannot take the tax below zero.
How much does an employer pay on top of the gross salary?+
On a ₪15,000 salary the employer pays about ₪2,623 more a month: ₪902 national insurance, ₪895 pension and ₪826 severance pay, which is 17% on top of the gross.
Is the pension deduction compulsory?+
Yes. An employee is covered by a mandatory pension, usually after six months in a new job unless they were already in a pension scheme. The employee pays 6% and the employer 6.5% plus 6% for severance, on a salary up to ₪13,769 a month.
Do new immigrants pay less income tax?+
Yes. Someone who arrived from 2022 gets extra credit points for 54 months: one a month for the first 12 months, three for the next 18, two for the next 12 and one for the last 12. The Tax Authority's 2026 deductions booklet also lists an income tax exemption for people who arrived after 5 November 2025; its conditions are not out yet, so this calculator does not apply it.
Why is the net pay on my payslip different?+
A payslip can differ when it includes a study fund, car or phone benefits, meal vouchers, a pension on another base, or credit points from your Form 101 that differ from the choices here. Single parents get extra credit points that this calculator does not count. Treat the result as a close estimate for one monthly salary.
Rates in force in 2026, from the Israel Tax Authority, the National Insurance Institute and the mandatory pension extension order.