Methodology & Sources
This page explains which sources are used, how different kinds of information are labeled, how calculations are tested and what each tool intentionally leaves out.
Source hierarchy
- Enacted Israeli legislation for statutory rights, caps and eligibility windows.
- Israel Tax Authority and other government publications for rates, thresholds and implementation.
- National Insurance Institute publications for contribution rates, bases and examples.
- Other official public bodies for regulated subjects within their authority.
- Established secondary explanations where official publications are incomplete or difficult to interpret.
- Crowdsourced market data only for dated estimates such as rent and childcare—not for legal rules.
How calculations are checked
Three information categories
Income tax and employee payroll
2026 income-tax brackets, credit-point value and surtax threshold follow the Tax Authority deductions booklet. Employee National Insurance and health tax follow the National Insurance Institute’s 2026 thresholds and rates.
Self-employed calculator
The calculator uses the published 4.47% / 12.83% National Insurance and 3.23% / 5.17% health-tax rates and adapts the official 52% National Insurance deduction formula to an annual planning estimate. It does not model minimum bases or mixed employment.
Purchase tax
The calculator uses the residential scales published by the Tax Authority for the 2025–2027 frozen period and the revised new-oleh sole-residence scale. Legal status and eligibility are not determined by the calculator.
Pension and keren hishtalmut
Employee rates are user inputs. For self-employed users, the displayed mandatory pension baseline uses 4.45% on annual income up to ₪82,614 and 12.55% from ₪82,615 to ₪165,228. The recognized study-fund reference uses 4.5% of income up to ₪293,397. Growth projections are mathematical assumptions, not promised returns.
2026 new-oleh benefit
The temporary benefit calculator uses the enacted annual caps and proration logic documented on the law page. It does not decide whether income qualifies.
City cost-of-living guides
Rent, childcare, salary and non-rent estimates are dated Numbeo snapshots from May–June 2026. Numbeo is crowdsourced, and the pages disclose the available sample information. The editable budget—not the snapshot—is the recommended decision tool.
Mortgage, rent-versus-buy and moving models
These use standard amortization and cash-flow formulas with user inputs. No interest rate, appreciation rate, investment return or moving cost is presented as a guaranteed current fact.
Worked examples
The fixed salary pages serve as reproducible examples of the payroll engine and link back to the editable calculator:
Correction and independence policy
When an official source changes, the relevant calculator, verification date and supporting explanation should be updated together. Material errors are corrected in the calculation engine rather than only in page text and are recorded in the Version History.
Advertisements and any future paid relationships do not determine calculator outputs. Sponsored or referral relationships, if introduced, will be identified separately from the methodology.