Personal finance for Israelis with equity compensation

What Moneta calculates

• RSU sales on all four tracks: Section 102 capital gains, Section 102 ordinary income, Section 102 without a trustee, and Section 3(i).
• ESPP sales, with the purchase discount and the later gain taxed separately once 24 months have passed.
• Gross-to-net salary: income tax, the 3% surtax, National Insurance and health tax, pension and study-fund deposits.
• Several sales in one tax year, stacked together so a bracket or the surtax line is crossed once, not once per sale.
• Pension at retirement, compound growth with a market backtest, early retirement (FIRE), and a net-worth dashboard across accounts, property and loans.

Private by design

Every calculation runs in your browser, and your data is stored on your device. An account only syncs it between your own devices; the app works offline either way. You can delete everything from Settings at any time.

Built on the 2026 tax figures

Income-tax brackets from 10% to 47%, plus the 3% surtax on income above ₪721,560 a year. National Insurance charged per payroll month on bands of ₪7,703 and ₪51,910. A credit point worth ₪242 a month. Each tax year has its own figures, so earlier years stay correct.

Start without an account

Open the app and continue as a guest — there is nothing to install. On a phone you can add it to your home screen and use it like any other app.