Aliyah Tax and Money FAQ
Concise answers based on the current calculator methodology. Complex residence and tax questions still require professional advice.
Is the new benefit ₪1 million every year?
No. The enacted general caps are ₪600,000 in 2026, ₪1 million in 2027, ₪1 million in 2028, ₪350,000 in 2029, and ₪150,000 in 2030. The 2026 amount is prorated for someone who becomes resident during the year.
Who can qualify?
The date window is November 5, 2025 through December 31, 2026 for a qualifying new immigrant or veteran returning resident. Tax residence and statutory status both matter.
Does the exemption remove Bituach Leumi and health tax?
Do not assume so. The site’s benefit calculator estimates income tax only. Social-insurance treatment must be checked separately.
Is all income from a family business exempt?
No. For 2026–2029, income from a close relative or a controlled entity is capped at ₪140,000, and related-party rules can be complex.
What is the 2026 employee National Insurance threshold?
The reduced-rate tier runs to ₪7,703 per month, and employee contributions are capped at insured income of ₪51,910 per month under the published 2026 figures.
Why might my payslip differ from the salary calculator?
Your payroll may include different pensionable pay, study fund, benefits, company car, tax coordination, child/spouse credits, annual bonus treatment, or other deductions. The calculator is a planning estimate.
Did the 10-year foreign-income benefit disappear?
No. Amendment 272 removed the special reporting exemption for eligible new olim and veteran returning residents who first become Israeli residents on or after January 1, 2026. The 10-year Israeli tax exemptions for qualifying foreign-source income and gains under Sections 14 and 97 remain separate. Income can therefore be exempt from Israeli tax but still reportable. See the 2025 vs 2026 comparison.
Must a 2026 oleh disclose foreign assets?
For people first becoming Israeli tax residents on or after January 1, 2026, the special exclusion of foreign assets from a capital declaration was repealed. Foreign assets must therefore be included if the Israel Tax Authority requires a capital declaration. Annual-return and other filing requirements still depend on the person’s facts.
How many customs shipments can a new oleh use?
The official immigrant guide describes benefits for up to three consignments, generally during the eligible three-year period and subject to item and use conditions.
Does the site store my calculator inputs?
No calculator inputs are sent to an Aliyah Tools server by the static page code. Third-party services such as Google AdSense may process data according to their own policies.
How does Aliyah Tools make money?
The site currently uses Google AdSense. Advertising helps support maintenance of the site but does not affect calculator formulas, assumptions or result ordering.
Can an advertiser change a calculator result?
No. Calculator formulas, assumptions and result ordering are maintained separately from advertising.
How are corrections handled?
Material corrections and rule changes are dated on the version-history page. Official sources and known limitations are listed on the methodology page.
See the methodology and sources page for official references and known limitations.
Buying property and mortgages
How much down payment is required in Israel?
The Bank of Israel maximum-LTV categories generally imply at least 25% equity for a single dwelling, 30% for a replacement dwelling and 50% for an investment dwelling. Banks can require more, and purchase costs require extra cash.
Can a foreigner get a mortgage in Israel?
A bank may consider a foreign-resident or foreign-income application, but documentation and underwriting are lender-specific. Do not assume the highest regulatory LTV or Israeli-resident purchase-tax treatment.
What is a mashkanta?
Mashkanta is the Hebrew term for a mortgage. Israeli mortgages are commonly divided into multiple tracks with different rate, reset and indexation rules.
What is zakaut?
Zakaut is eligibility-based government housing assistance. An eligibility certificate is separate from a commercial mortgage approval.