All free tools
Free tool

Mortgage calculator for Israel

Build your mortgage mix track by track (prime, fixed, CPI-linked) and see your monthly payment, how it changes over time and what the loan really costs.

100% freeNo sign-up2026 rates

A personal tool, not professional advice. These are calculation tables I built for my own decisions and now share freely. Please check every figure and assumption yourself before relying on it.

The loan

₪
%

₪625,000

Mortgage mix

Israeli mortgages mix several tracks. Set each track’s share of the loan, rate and term.

01
%
%
02
%
%
03
%
%

Balance grows with inflation (2.5% per year).

Total 100%
%

Used for CPI-linked mortgage tracks

₪

Monthly take-home pay, used to check the Bank of Israel affordability limit

By track

TrackAmountFirst paymentTotal interest
Prime (variable)₪624,375₪3,742₪498,091
Fixed, not linked₪624,375₪3,687₪481,576
Fixed, CPI-linked₪626,250₪3,175₪409,541

First monthly payment

₪10,603

Over 25 years, assuming rates and inflation stay as entered.
Loan amount₪1,875,000
Loan-to-value75.0%
Highest monthly payment₪13,303
Total interest₪1,389,208
CPI indexation₪280,618
Total repaid to the bank₪3,544,826

Monthly payment over time

Remaining balance

Average payment in year 10₪11,439
Repaid for every ₪1 borrowed1.9
Prime and variable tracks are shown at today’s rate. In reality they move with the Bank of Israel rate, so your payment can go up or down.

These calculators are spreadsheets I originally made for my own use, shared as they are to help you think things through. They give estimates based on the published rates for the current tax year and on the assumptions you enter, and they may contain errors or simplifications. They are not tax, legal or financial advice: check all the information yourself and with a licensed accountant, lawyer or mortgage adviser before making any decision.

Want a second opinion on your numbers?

We help buyers, owners and investors in Israel every week, from choosing the right apartment to managing it once it’s yours. Tell us what you’re planning.

Talk to Reztate

More free tools

Buy or rent?

Compare buying with a mortgage against renting and investing the difference, year by year, with every cost Israelis forget.

Open the tool

Purchase tax

Calculate your mas rechisha and the full cost of buying, bracket by bracket.

Open the tool

Rental yield

Short-term (Airbnb) or long-term lease? Compare yield and cash flow side by side.

Open the tool

Rental income tax

Exempt, 10% or marginal? Find the cheapest way to declare your rent.

Open the tool