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Net Worth Snapshot for Olim
A clean assets-minus-liabilities snapshot that prompts you for the Israeli vehicles an oleh forgets and the home-country accounts that follow the passport.
Net worth is everything you own minus everything you owe. The arithmetic is trivial; the hard part after a move is a complete list. An oleh usually remembers the home-country accounts and forgets the Israeli ones that were opened automatically at work: a keren pensia (pension fund), a keren hishtalmut (further-education fund), a kupat gemel (provident fund), and in some contracts bituach menahalim (managers insurance). This tool prompts you for both sides so nothing is left off the map, and keeps everything in your browser.
The newcomer angle is what makes this different from a generic net-worth calculator. Your money is split across two countries and two currencies, some of it in Israeli vehicles you did not choose and may not have found yet. If you have changed jobs, there are probably accounts you have lost track of; the free Har HaKesef service lists the savings and pension products registered in your name so you can fill the boxes accurately.
US citizens and green-card holders: adding up what you own does not trigger any tax. But the Israeli pooled vehicles here (keren hishtalmut, kupat gemel, keren pensia) are PFICs with their own IRS filing, and once your non-US accounts together top $10,000 at any point in the year an FBAR is due. Home-currency assets are counted at today's exchange rate, so the shekel total moves with the rate. This is general information, not tax, legal or financial advice; the cross-border reporting rules are complex, so confirm your position with a qualified professional.
To fill in the Israeli side, the Keren Hishtalmut calculator and the Pension Comparison tool help you value those accounts, and the financial-goals guide turns the number into targets that fit a move.
What to count, and what olim forget
Net worth is everything you own minus everything you owe. The number itself is simple; getting the inputs complete is the hard part after a move. An oleh usually remembers the home-country accounts and forgets the Israeli ones that were set up automatically at work: a keren pensia (pension fund), a keren hishtalmut (further-education fund), a kupat gemel (provident fund) and, in some contracts, bituach menahalim (managers insurance). Enter both sides below. Nothing here is sent anywhere; it stays in your browser.
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Find the Israeli accounts you have forgotten
Jobs come with a keren pensia and often a keren hishtalmut, and after a couple of employers most olim have accounts they have lost track of. Har HaKesef ("money mountain"), the free Ministry of Finance service, lists the pension funds, provident funds, keren hishtalmut accounts and managers-insurance policies registered in your name, including ones opened by employers you have left. It is a separate service from Har HaBituach, the Capital Market Authority insurance register, which does not hold pension or provident accounts. Har HaKesef tells you which accounts exist; the pension clearing house returns the balances to put in this tool.
Which currency you measure in
Your bills are in shekels, so the snapshot is in shekels. Home-country assets are converted at today's rate, which is a reasonable way to see one total but means the number carries exchange-rate movement. If a large share of your assets is still abroad, watch the split deliberately rather than reading a single shekel figure as fixed.
Net worth is a direction, not a verdict
A negative net worth is ordinary soon after buying a home, when the mortgage is large against a young balance. What is worth tracking is the trend over time: rising liquid savings, a growing pension, a shrinking overdraft. One snapshot is a starting point for goals, not a grade.
- Capital Market, Insurance and Savings Authority: obtain information on the pension savings registered in your name gov.il ↗ ↩
- Capital Market, Insurance and Savings Authority (pension, provident and further-education funds) gov.il ↗ ↩
- IRS, About Form 8621 (Information Return by a Shareholder of a PFIC) irs.gov ↗ ↩
- IRS, Report of Foreign Bank and Financial Accounts (FBAR) irs.gov ↗ ↩
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Frequently asked questions
The ones set up automatically at work: a keren pensia (pension fund) and often a keren hishtalmut (further-education fund), plus a kupat gemel (provident fund) or bituach menahalim (managers insurance) in some contracts. After a couple of employers these multiply and get forgotten. Har HaKesef, the Ministry of Finance "money mountain" service, lists everything registered in your name, including accounts opened by employers you have left.
Enter them at today's converted value. That gives you one honest total, but it means the shekel figure carries exchange-rate movement even when nothing else changes. If a large share of your wealth is still abroad, watch the split between currencies deliberately rather than reading a single shekel number as fixed.
Not on its own. It is ordinary soon after buying a home, when a large mortgage sits against a young balance. What matters is the direction over time: rising liquid savings, a growing pension, a shrinking overdraft. One snapshot is a starting point for goals, not a grade.
No. The numbers stay in your browser and nothing is submitted. Note separately that some of the underlying accounts do carry reporting duties: for a US person, the PFIC vehicles need Form 8621 and foreign accounts above the threshold need an FBAR. Totalling them here is not itself a filing.
Related reading
Setting financial goals in a new country
Turning a net-worth number into targets that fit a move.
Keren hishtalmut, explained for olim
One of the Israeli accounts a newcomer most often forgets to count.
An Israeli pension next to a 401(k) or SIPP
What the Israeli fund does that your home-country plan did not.
Related tools
Keren Hishtalmut Calculator
See how much of your keren hishtalmut (further-education fund) deposit earns the tax break and what it saves you, with the six-year rule and the PFIC catch for US persons.
Pension Comparison Tool
Compare your home-country retirement accounts (401k, IRA, SIPP) with Israeli pension vehicles - Keren Pensia and Keren Hishtalmut - and see projected values at retirement.
Afford Aliyah Planner
Calculate how much you need saved before Aliyah based on your expected income gap and cost of living.
- Obtain information on the pension savings registered in your name — Capital Market, Insurance and Savings Authority gov.il ↗ ↩
- Pension, provident and further-education fund regulation — Capital Market, Insurance and Savings Authority gov.il ↗ ↩
- About Form 8621 (Information Return by a Shareholder of a PFIC) — IRS irs.gov ↗ ↩
- Report of Foreign Bank and Financial Accounts (FBAR) — IRS irs.gov ↗ ↩
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