Personal income tax
The official refund simulator is for employees and retirees who are not required to file annual returns. Enter income for the selected tax year; it does not determine every taxpayer's total payroll deductions.
Filing & deadlines
Tax coordination can prevent excessive withholding when there is more than one income source or eligible relief. A coordination rate is not the final annual tax calculation.
Business and scope
The employee refund tool does not replace mandatory annual reporting by businesses or other taxpayers outside its stated audience.
Salary and take-home pay calculator
Israel 2026 annual salary estimate for a resident employee aged 21–60, insured throughout the year with one employer and an existing pension arrangement. Monthly fixed pensionable salary ≥ ₪6,444; any entered discretionary bonus is paid in December and is not pensionable. Includes the revised tax bands retroactive to 1 January 2026.
Annual estimate · 2026
- Annual gross earnings
- ₪180,000.00
- Employee national and health insurance
- ₪14,603.52
- Employee pension saving
- ₪9,913.68
- Annual income tax
- ₪16,006.20
- Annual income after tax and payroll deductions
- ₪139,476.60
- Average per calendar month (annual net ÷ 12)
- ₪11,623.05
Calculation details
- Available credit-point relief before tax cap
- ₪6,534.00
- Available pension contribution tax credit
- ₪2,851.80
| Month | Annual gross earnings | Employee national and health insurance | Employee pension saving |
|---|---|---|---|
| 2026-01 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-02 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-03 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-04 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-05 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-06 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-07 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-08 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-09 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-10 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-11 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
| 2026-12 | ₪15,000.00 | ₪1,216.96 | ₪826.14 |
National/health insurance and pension contributions are automatic. Statutory pension uses the lower of fixed pay and ₪13,769; full-pay arrangements up to ₪34,000/month are also supported. Pension credit is 35% of eligible contributions, capped at ₪8,148/year and 7% of earnings. Base resident and female points are automatic. Child counts use age reached in 2026, for a standard married/cohabiting two-parent family with no birth-point deferral; additional confirmed credit points can be entered separately. Excludes controlling shareholders, new immigrants, retirement/disability exemptions, training funds, taxable employer excess contributions, unmarried/sole-parent special rules and other income. The monthly insurance table shows allocated contribution bases; December bonus spreading can trigger adjustments to earlier payslips. Income tax is an annual estimate including the 3% high-income surtax.
Official basis and tool instructions
- Ministry of Finance: revised 2026 salary tax bands and point value
- Tax Authority: retroactive effect from January 2026
- National Insurance: 2026 employee rates and ceilings
- Ministry of Labor: compulsory pension contribution order
- Tax Authority: payroll deductions and pension credit limits
- Tax Authority: resident and child credit eligibility
- National Insurance: allocation of additional pay
Official employee tax-refund simulator
This link opens the authority’s service or instructions. Check its supported year and eligibility; a calculation or draft does not submit a tax return.
Open official resource ↗Official basis and tool instructions
Official sources
Sources checked 28 Oct 2026 · 2026 guidance; select simulator tax year