Israeli Pension Advisor
Answer Israeli pension deposit ceilings, self-employed brackets, and fund-type questions with claim-backed numbers for 2026 planning.
Install
npx skills add https://github.com/skills-il/tax-and-finance --skill israeli-pension-advisorWhat is this skill?
- Structured claims registry with source URLs, snippets, and fetch dates for auditability
- 2026 average wage (sakhar memutza) anchored at 13,769 NIS/month per published BL references in skill metadata
- Comprehensive pension fund monthly deposit ceiling documented at 5,645 NIS/month for 2026 in claims
- Self-employed mandatory pension brackets spelled with half- and full-average-wage thresholds and first-year exemption
- Companion `calculate_pension.py` and reference docs for fund types and Hebrew/English SKILL variants
Adoption & trust: 1 installs on skills.sh; 22 GitHub stars; 3/3 security scanners passed (skills.sh audits); trending (+100% hot-view momentum).
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Journey fit
Primary fit
Operate is where solo founders reconcile ongoing compliance, personal compensation, and payroll-like obligations while the business runs. Iterate covers recurring financial decisions—pension deposits and regulatory thresholds—not one-off idea research.
Common Questions / FAQ
Is Israeli Pension Advisor safe to install?
skills.sh reports 3 of 3 security scanners passed. Review the Security Audits panel on this page before installing in production.
SKILL.md
READMESKILL.md - Israeli Pension Advisor
{ "schemaVersion": "1.0", "skill": "israeli-pension-advisor", "generated_at": "2026-05-18T00:00:00Z", "claims": [ { "claim_id": "avg-wage-2026", "claim": "Average wage (sakhar memutza, BL §2 definition) for 2026 is 13,769 NIS/month", "source_url": "https://www.btl.gov.il/About/news/Pages/hadasaidkonkitzva2026.aspx", "raw_snippet": "השכר הממוצע במשק לעניין דמי ביטוח לאומי בשנת 2026: 13,769 ש\"ח לחודש", "fetched_at": "2026-05-18T00:00:00Z", "appears_in": ["SKILL.md", "SKILL_HE.md", "scripts/calculate_pension.py"] }, { "claim_id": "comprehensive-fund-max-2026", "claim": "Monthly deposit ceiling into a comprehensive pension fund (keren pensia mekifa) for 2026 is 5,645 NIS/month (20.5% of 2× average wage)", "source_url": "https://pensuni.com/?p=827", "raw_snippet": "תקרת ההפקדה לקרן פנסיה מקיפה ב-2026: 5,645 ש\"ח לחודש, 20.5% מכפל השכר הממוצע במשק", "fetched_at": "2026-05-18T00:00:00Z", "appears_in": ["SKILL.md", "SKILL_HE.md", "scripts/calculate_pension.py", "references/pension-fund-types.md"] }, { "claim_id": "self-employed-pension-brackets-2026", "claim": "Self-employed mandatory pension: 4.45% on net taxable income up to half average wage (6,884.50 NIS/month); 12.55% on income from half to full average wage (6,884.50 to 13,769 NIS/month); no obligation above full average wage; first year of business exempt; obligation applies age 21 to retirement age", "source_url": "https://www.kolzchut.org.il/he/%D7%91%D7%99%D7%98%D7%95%D7%97_%D7%A4%D7%A0%D7%A1%D7%99%D7%95%D7%A0%D7%99_%D7%9C%D7%A2%D7%95%D7%91%D7%93_%D7%A2%D7%A6%D7%9E%D7%90%D7%99", "raw_snippet": "חוק פנסיה חובה לעצמאים תשע\"ז-2016: 4.45% עד מחצית השכר הממוצע; 12.55% ממחצית עד שכר ממוצע מלא; פטור בשנה הראשונה לעסק; חל מגיל 21 עד גיל פרישה", "fetched_at": "2026-05-18T00:00:00Z", "appears_in": ["SKILL.md", "SKILL_HE.md", "scripts/calculate_pension.py", "references/tax-benefits.md"] }, { "claim_id": "self-employed-annual-cap-2026", "claim": "Maximum annual mandatory pension obligation for self-employed in 2026: ~14,044 NIS (computed from the two brackets up to full average wage)", "source_url": "https://pensuni.com/?p=2233", "raw_snippet": "חבות שנתית מקסימלית בפנסיה חובה לעצמאים 2026: כ-14,044 ש\"ח", "fetched_at": "2026-05-18T00:00:00Z", "appears_in": ["SKILL.md", "SKILL_HE.md", "references/tax-benefits.md"] }, { "claim_id": "hishtalmut-employer-tax-free-ceiling-2026", "claim": "Keren hishtalmut: employer contribution is tax-free to the employee only up to a monthly salary of 15,712 NIS (188,544 NIS/year), at 7.5% employer + 2.5% employee", "source_url": "https://www.kolzchut.org.il/he/%D7%A7%D7%A8%D7%9F_%D7%94%D7%A9%D7%AA%D7%9C%D7%9E%D7%95%D7%AA", "raw_snippet": "תקרת השכר להפקדה לקרן השתלמות לעובדים ב-2026: 15,712 ש\"ח לחודש (188,544 ש\"ח לשנה); 7.5% מעסיק + 2.5% עובד", "fetched_at": "2026-05-18T00:00:00Z", "appears_in": ["SKILL.md", "SKILL_HE.md", "scripts/calculate_pension.py", "references/pension-fund-types.md", "references/tax-benefits.md"] }, { "claim_id": "hishtalmut-self-deduction-2026", "claim": "Self-employed keren hishtalmut tax deduction ceiling: 13,203 NIS/year (4.5% of qualifying income up to 293,397 NIS)", "source_url": "https://www.kolzchut.org.il/he/%D7%A7%D7%A8%D7%9F_%D7%94%D7%A9%D7%AA%D7%9C%D7%9E%D7%95%D7%AA_%D7%9C%D7%A2%D7%95%D7%91%D7%93_%D7%A2%D7%A6%D7%9E%D7%90%D7%99", "raw_snippet": "תקרת ניכוי בקרן השתלמות לעצמאים 2026: 13,203 ש\"ח/שנה (4.5% מהכנסה עד 293,397 ש\"ח)", "fetched_at": "2026-05-18T00:00:00Z", "appears_in": ["SKILL.md", "SKILL_HE.md", "scripts/calculate_pension.py", "references/tax-benefits.md"] }, { "claim_id": "hishtalmut-self-profit-exempt-2026", "claim": "Self-employed keren hishtalmut profit-exempt ceiling: 20,566 NIS/year (gains on deposits up to this amou