Tools | Shivat Zion

Cost-of-Living & Budget Calculators

The Oleh Budget Calculator Estimates monthly living costs in Israel, including housing, food, transportation, utilities, and family size. Good for: assessing whether Aliyah is financially feasible before moving; individuals and families seeking a realistic, Aliyah-focused financial picture. Numbeo - Cost of Living Database Provides general cost-of-living data and quality-of-life indicators. Use with caution: useful for broad comparisons only. Not Aliyah-specific. Numbeo - International Salary Calculator International salary and tax estimates for comparison across countries.

Government Benefits & Financial Support

Childcare

Childcare subsidy estimator Simulator for estimating eligibility for state participation in recognized daycare and early childhood programs. Daycare subsidy eligibility check Track and confirm daycare subsidy eligibility level (after applying).

Government Benefits & Rights Calculator Estimates potential government support, including the Sal Klita (Absorption Basket). Good for: understanding what support may be available before and after Aliyah. Bituach Leumi - Income Support Calculator Estimates possible income-support benefits. Good for: Olim who may temporarily lack sufficient income. Easy-Zchut - Rights & Eligibility Tool Identifies benefits, discounts, and services you may be entitled to. Shows eligibility only — not payment amounts.

Healthcare & Insurance Planning

Health fund (Kupat Holim) comparison guide (Hebrew) Official guidance and links for comparing HMOs and supplementary insurance tiers.

Income, Salary & Tax Planning Tools

Israeli net salary calculators (gross and net)

Talent.com - Net salary calculator Estimate net pay from gross salary in Israel. Hilan Net Salary Wizard Payroll-sector salary and net-pay tools (Hebrew). NetoCalc Detailed Hebrew net-salary calculator.

Official income-tax tools (Hebrew) - Israel Tax Authority Reflects Israeli tax brackets and credit points. Use the Tax Authority’s online salary and tax utilities. Good for: understanding realistic take-home pay in Israel.

Mortgage Information & Home-Buying Tools

Israeli bank mortgage calculators (Hebrew)

Discount Bank - Mortgage Calculator Bank mortgage simulator for repayment estimates. Bank Hapoalim - Mortgage Calculator Mortgage planning and repayment calculator. Bank of Jerusalem - Mortgage calculator & comparison Mortgage hub: calculators and product comparison (Hebrew). Bank Leumi - Mortgage Calculator Leumi mortgage hub and calculator. Mizrahi-Tefahot - Mortgage repayment calculator Mizrahi mortgage section and calculators.

Third-party lenders

First Israel - Mortgage loan calculator (third party) Non-bank lender tools; compare with bank offers.

Advanced & comparison mortgage tools

MORTGAGE Portal - Multi-Scenario Israeli Mortgage Calculators Tools to build a mortgage mix, compare up to four scenarios, export reports, and simulate interest or rate changes (Hebrew). NewKey - Israeli mortgage calculator (English) English-language mortgage repayment calculator and paths. Supermarker / TheMarker - Mortgage calculator & rate comparison Compare interest rates and calculate mortgage repayments (Hebrew).

Optional: more general loan calculators

Amortization calculator (general) Basic amortization and monthly payment tool — not Israel-specific.

Property Purchase Tax (Mas Rechisha)

Supermarker - Purchase-tax calculator (Mas Rechisha) Estimates property purchase tax, including Oleh benefits when selected. Cross-check results with the Israel Tax Authority or a qualified professional.

Transportation & Mobility

Rav-Kav & public transport Information on Rav-Kav, fares, passes, and discounts.

Consumer & Cost-Comparison Tools

Chashmalink - Electricity package comparison Compare electricity tariffs and suppliers. Government import tax calculator Personal imports: estimate customs and taxes when buying abroad. Kamaze - Communications comparison Compare cellular, internet, and TV packages. Yad2 - Second-hand marketplace Furniture, vehicles, and general classifieds. Zap - New product price comparison Retail price comparison for new goods.

Tips for Olim using these tools

Israeli mortgages often combine multiple tracks (fixed, prime-linked, CPI-indexed), so tools that let you simulate multiple loan tracks are especially useful.

Mortgage calculators help with budgeting and scenario planning, but actual bank offers depend on your income, assets, credit history, and bank underwriting.

Always pair mortgage calculations with tax estimators and household budget tools to get a full picture of affordability.

We strongly recommend using a qualified mortgage broker. We do not advise taking a mortgage without professional guidance suited to your situation.