Israel101aliyah money planner
For your aliyah

Making aliyah? Plan where your money should land.

Turning what you own back home into a life paid in shekels is one of the biggest decisions of your move — rent or buy, convert or hold, protect against the currency or ride it. This lays the realistic paths side by side, in shekels, the currency you'll actually live on.

Why it matters: if your savings stay in your home currency while your rent and bills are in shekels, a rising shekel quietly shrinks what you can afford — before you've earned a thing in Israel.

Your situation

Start here. Everything updates as you type.

Your home abroad:
₪
Loading latest rate…
$
$
Selling your home
%
₪
10
25%
Adjust detailed assumptions

These are the model's defaults — sensible starting points, not gospel. Change anything to match what you know, then share or export the result.

Israeli hedge apartment
Sized as a share of the capital you deploy, with a floor so it's a realistic purchase rather than a fixed amount. The yields below are what you'd net managing it yourself; a managing agent's fee — the route most olim take — comes off the rent on top.
%
₪
% of rent
Central hedge apartment
A lower-yield apartment in the centre, bought as a hedge — an asset priced in shekels that gains when the shekel does, offsetting your currency risk. Used by the central-apartment strategies.
%
% / yr
Peripheral apartment
A higher-yield apartment outside the centre, at a saner price-to-rent (the rent covers more of the cost). Used by the peripheral-apartment strategies.
%
% / yr
Property purchase costs
Israeli buying friction. The "extra home" tax is the investor/foreign-buyer rate; a single home you live in is taxed less, and an oleh less still (toggle above).
%
%
Investment returns
Annual returns on whatever you don't put into property.
% / yr
% / yr
% / yr
% / yr
Buying the home you'll live in
The cap rate (yearly rent ÷ price) sets the implied price of the home you'd otherwise rent — a lower number means pricier homes. Owner tax is the single-home rate; oleh tax is the new-immigrant rate, used when the toggle above is on.
%
% / yr
%
%
Shekel stress range
How far the shekel could move over your horizon — sets the bar width and the slider's reach.
%

* Oleh chadash: applies the new-immigrant purchase-tax rate to the home you'd buy to live in (the "buy the home you'll live in" strategy) — a once-per-household benefit for your single home in Israel, usable within seven years of aliyah, not for investment apartments. Olim also receive major income-tax breaks this tool doesn't try to value. The rate shown is an approximate estimate; confirm with the Israel Tax Authority's calculator.

First, the big decision — your home abroad:

Where you'd land in 10 years

unchanged
weaker for you0stronger
Shekel holdings
How to read it: each dot is where you'd land if the shekel holds steady. A long bar means that choice swings a lot with the shekel — more currency risk. A dot with no bar means no currency risk at all. Higher up is more money to live on.
Mostly home currency — high FX risk Mostly shekels + a reserve Fully shekels — no FX risk
Dot = if the shekel holds flat · bar = range from shekel stronger (left) to weaker (right)
What the strategies mean
This is an educational planning tool, not financial, tax, or legal advice. Results are model estimates from the assumptions you enter, not predictions. Property returns are modeled as appreciation plus net yield, compounded, and are shown before Israeli capital-gains tax on a later sale (mas shevach) and any tax on rental income. The oleh purchase-tax benefit shown is an approximate, conditional estimate — it applies once, to your single home in Israel, within seven years of aliyah; new-immigrant status also carries income-tax benefits this model doesn't try to value. Currency, tax, and property rules change and depend heavily on your status (oleh chadash, returning resident, foreign resident) — verify anything that matters with the Israel Tax Authority's official purchase-tax calculator and qualified professionals before acting. Built for olim. Israel 101 · Israel101.com