Salary Calculator — Gross to Net

Calculate net salary from gross: income tax, national insurance, health tax, and pension. Instant and accurate.

A salary calculator (Machshevon Sachar) converts your gross (Bruto) salary to net (Neto) take-home pay by applying all Israeli tax deductions, social contributions, and benefits. It is an essential tool for evaluating job offers and planning your monthly budget.

What the Calculator Accounts For

A good Israeli salary calculator applies income tax brackets, National Insurance (Bituach Leumi) contributions, health tax, employee pension deductions (6%), Hishtalmut fund deductions (2.5%), and tax credit points (Nekudot Zikuy). It factors in your personal details — residence, number of children, immigration status — to determine the correct credit points.

Why Bruto and Neto Differ So Much

Israeli employees are often surprised to learn they take home only 55-75% of their gross salary. The progressive tax system means higher earners lose a larger percentage. Combined with mandatory pension, National Insurance, and health tax, the deductions add up significantly. A calculator eliminates guesswork and shows you the exact breakdown.

When to Use a Salary Calculator

Use it when evaluating a new job offer, negotiating a raise, planning a monthly budget, considering a move to a different city (which might change your credit points), or deciding whether to take on additional freelance work alongside your salary.

Tips for Accurate Results

Enter your total gross salary including any regular bonuses or allowances. Make sure to input the correct number of tax credit points — check your Form 101. If you have a second job, remember that the calculator results assume standard tax coordination. Without coordination, your second job will be taxed at a higher default rate.

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The information on this page is for educational purposes. Please consult a professional before making financial decisions.

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Frequently asked

+−What deductions does an Israeli salary calculator apply?

Income tax brackets, National Insurance, health tax, pension (6%), Hishtalmut (2.5%), and tax credit points. It factors in personal details like residence, children, and immigration status.

+−Why do Israelis take home only 55-75% of gross salary?

The progressive tax system combined with mandatory pension, National Insurance, health tax, and Hishtalmut contributions create significant deductions. Higher earners lose a larger percentage to taxes.

+−When should I use a salary calculator?

When evaluating job offers, negotiating a raise, planning a monthly budget, considering a move to a different city, or deciding whether to take on additional freelance work alongside your salary.

+−Does the salary calculator include employer costs?

Some calculators show the full employer cost, which is 20-30% above your gross salary. This includes the employer's share of pension, Hishtalmut, severance, and National Insurance contributions.

+−How accurate are online salary calculators for Israel?

They provide good estimates for standard employment situations. Results may vary for unusual cases like stock options, car allowances, or special tax arrangements. Use them as a guide and verify with your actual payslip.

+−Can I calculate the impact of a raise using the salary calculator?

Yes, run the calculator with your current salary and then with the proposed raise. The difference in net pay shows exactly how much of the raise you keep after taxes and deductions increase.

+−Does the salary calculator handle the surtax for high earners?

Good Israeli salary calculators include the 3% surtax (Mas Yoter) that applies to annual income above the high-income threshold. This is important for accurately estimating net pay for high earners.