How much do you really keep?
Most self-employed people know how much they earn, but not how much they actually keep. Check in seconds how much of your income goes to income tax and National Insurance, and how much really stays with you.
* Estimate for illustration only. Based on the income tax brackets and self-employed National Insurance rates, and 2.25 credit points (Israeli resident). VAT (מע"מ) is not included — it is collected on behalf of the state and is not your income. An exact calculation depends on personal data (marital status, additional income, exemptions). Consult an accountant.
Why is the real net so different?
- •Income tax is calculated on profit (income minus recognized expenses), by progressive brackets and less credit points.
- •National Insurance and health tax are added on top of income tax — a share many forget to price in.
- •VAT (מע"מ) that you collect is not yours — it is passed on to the state, so it is not included in the net.
Frequently asked questions
How much tax does a self-employed person pay in Israel?
A self-employed person pays income tax by brackets (10% to 47%, less credit points), plus National Insurance and health tax at a graduated rate. The total charge depends on annual profit.
What is the difference between income and profit for tax purposes?
Tax is calculated on profit — income (excluding VAT) minus recognized expenses — and not on the full income.
Is National Insurance included in the calculation?
Yes. A self-employed person pays National Insurance and health tax in addition to income tax. The calculator shows it separately so you see the full picture.
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