Israeli Calculator

Israeli Capital Gains Tax Calculator

How much tax will you pay when selling securities? This calculator computes Israeli real capital gains tax (25%/30%) including CPI adjustment of the cost basis, fees, and the ₪240k threshold.

Purchase value (₪)

Sale value (₪)

Purchase year

Sale year

Avg inflation (%)

Total fees (₪)

✓ Calculation updated!

Nominal gain

—

Inflation uplift

—

Taxable (real) gain

—

Tax due

—

Effective rate: — · Net after tax: —

Key insight: Tax is due only upon sale. As long as you hold, you owe nothing. That is why accumulating ETFs are tax-efficient: no annual taxable event.

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How Israeli capital gains tax works

The tax applies to the real gain — nominal gain minus the CPI adjustment of your cost basis. You are protected from paying tax on a "gain" that is only inflation. Only the return above inflation is taxed.

The rates

25% on real gains up to ₪240,000 per year
30% on the excess above the threshold
Israeli-source dividends — 25% withheld at source
US dividends — 15% at source (treaty) via an Irish fund, 30% directly

What is exempt

Keren Hishtalmut — always fully exempt. Gemel Lehashkaa after 15 years — fully exempt. Pension funds — tax-free growth, annuity taxed at retirement. Hence the correct contribution order: Hishtalmut → Gemel → brokerage account.

Sources:

Israeli Tax Authority — real capital gains tax (25%/30%, ₪240k threshold)
Bank of Israel — Prime rate
Israeli Capital Markets Authority — mutual fund oversight