TaxMaster - Israeli Tax Optimizer

April 9, 2026 · View on GitHub

A comprehensive web-based tool for comparing Israeli tax optimization strategies. Calculate and visualize the difference between standard tax treatment and optimized multi-stream income structures.

Features

  • Real-time Calculations - All tax calculations update instantly as you modify inputs
  • Bilingual Support - Toggle between Hebrew (עברית) and English
  • 5 Preset Scenarios - Quick-load common tax situations including "The Tweet Strategy"
  • Visual Comparisons - Bar charts showing tax burden and net income side-by-side
  • 9 Optimization Strategies - Automatic highlighting of active tax-saving strategies
  • Mobile Responsive - Works seamlessly on all devices

Tax Calculation Engine

The tool implements Israeli tax law for 2024/2025 (frozen through 2027), including:

  • Personal exertion income tax brackets (10% to 47%)
  • Credit points system based on gender and children
  • National Insurance & Health Tax (different rates for self-employed vs. salaried)
  • Surtax (3% above ₪640,000)
  • Rental income exemption (up to ₪5,654/month)
  • Solar income exemption (up to ₪2,325/month for residential 25kW)
  • Pension contribution benefits and credits
  • Donation credits (35%)
  • Foreign dividend taxation with treaty credits
  • Tax-deferred investment wrappers (Keren Hishtalmut, Kupat Gemel)
  • Purchase tax calculation (single property vs. regular)

Usage

Simply open israeli-tax-optimizer.html in any modern web browser. No build process or dependencies required.

Preset Scenarios

  1. The Tweet Strategy - Self-employed with rental, solar, foreign dividends (~₪40K annual savings)
  2. Salaried 15K - Standard employee with ₪15,000/month income
  3. Self-Employed + Pension - Self-employed with family and pension contributions
  4. Real Estate Investor - Multiple income streams including property and dividends
  5. Custom - Build your own scenario from scratch

Input Categories

  • Personal Details - Gender, marital status, children, age
  • Active Income - Employment type and monthly gross income
  • Real Estate - Property value, rental income, solar income
  • Investments - Keren Hishtalmut, Kupat Gemel, foreign dividends
  • Deductions - Pension contributions, charitable donations
  • Credit Line - Loan amount and interest rate

Technology Stack

  • Pure HTML/CSS/JavaScript - No frameworks or dependencies
  • Heebo Font - Modern Hebrew/English typeface
  • Lucide Icons - Clean, modern icon set
  • Responsive CSS Grid layout

⚠️ Important: This tool is for educational purposes only and does not constitute tax advice. Always consult with a certified accountant (רואה חשבון) or licensed tax advisor before making financial decisions.

Tax rates and regulations are based on Israeli law as of 2024/2025 and are frozen through 2027.

License

MIT License - Feel free to use, modify, and distribute.

Contributing

Contributions are welcome! Please feel free to submit issues or pull requests.

Built with ❤️ for the Israeli tax optimization community