Tax & Finance

Israeli Stock Options Tax Calculator

Author: skills-il

Trusted89/100

Calculate the exact tax an Israeli tech employee will pay on stock options and RSUs under Section 102 of the Income Tax Ordinance. Covers exercise, sale, and exit events (acquisition, IPO, secondary sale). Produces a detailed tax breakdown showing gross gain, employment income portion (marginal rate), capital gains portion (25%), surtax (3%+2% above threshold), Bituach Leumi, and net proceeds after tax. Compares capital gains track vs income track side-by-side. Use when an employee asks how much tax they will owe on options, when a startup exit is approaching and they want to know net proceeds, or when deciding between capital gains and income tracks. Do NOT use for crypto taxation (use israeli-crypto-tax-reporter), company-side ESOP setup (use israeli-startup-toolkit), controlling shareholder profit extraction (use israeli-corporate-tax-strategy), annual tax return filing (use israeli-tax-returns), or payroll calculations (use israeli-payroll-calculator).

Israeli Client Payment Chaser

Author: skills-il

Trusted88/100

Chase unpaid invoices and manage debt collection for Israeli freelancers and businesses. Use when user asks about "unpaid invoices Israel", "payment reminder", "invoice aging", "debt collection freelancer", "michtav hitchayvut", "demand letter Hebrew", "tvi'ot ktanot", or "גביית חובות". Covers graduated WhatsApp/email reminder escalation, Hebrew demand letter generation, Small Claims Court eligibility assessment, and Shabbat/holiday- aware scheduling. Do NOT use for invoice generation (use israeli-e-invoice) or general accounting.

Israeli Smart Saver

Author: skills-il

Trusted81/100

Save money in Israel through smart shopping, cashback optimization, subscription auditing, and deal hunting. Covers Zap price comparison, BuyMe strategies, cashback programs, credit card perks, loyalty stacking, seasonal sales, and recurring expense reduction. Helps identify unnecessary subscriptions and maximize savings on everyday purchases.

Israeli VAT Reporting

Author: skills-il

Trusted81/100

Prepare, validate, and guide submission of Israeli VAT reports (Doch Maam) per Tax Authority standards. Use when user asks about VAT reporting, VAT calculation, "doch maam", "maam", Israeli VAT filing, VAT deadlines, or input/output VAT reconciliation. Supports monthly, bi-monthly, and annual reporting. Handles zero-rated exports, exempt transactions, and Eilat zone rules. Do NOT use for income tax, corporate tax, or non-Israeli VAT systems.

Israeli Utility Rates Comparator

Author: skills-il

Trusted88/100

Compare electricity providers, water tariffs, natural gas rates, and arnona (municipal property tax) across Israeli municipalities and utility companies. Use when a user needs to understand IEC tariff structures, calculate solar panel ROI, compare tiered water pricing, or evaluate arnona differences between cities. Covers electricity market deregulation, independent power producers, Mekorot water pricing, and municipal rate variations. Do NOT use for commercial/industrial utility contracts, telecommunications comparisons, or utility infrastructure investment analysis.

Israeli Mortgage Comparator

Author: skills-il

Trusted88/100

Compare mortgage tracks (maslulei mashkanta) across Israeli banks, calculate monthly payments for mixed-track portfolios, and understand Bank of Israel regulations including LTV limits and CPI-linked caps. Use when a user needs to evaluate mortgage offers from different banks, calculate refinancing savings, or understand how Prime rate changes affect their payments. Covers Leumi, Hapoalim, Discount, Mizrachi-Tefahot, FIBI, Mercantile, and Yahav. Do NOT use for commercial real estate loans, business credit lines, or non-Israeli mortgage products.

Israeli Crypto Tax Reporter

Author: skills-il

Trusted84/100

Calculate cryptocurrency capital gains tax per Israeli Tax Authority (Reshut HaMisim) regulations and generate Form 1325 reporting data. Use when a user needs to compute crypto tax obligations using FIFO cost basis, classify DeFi income (staking, liquidity mining, airdrops) for Israeli tax purposes, prepare annual tax filing data, or understand reporting thresholds and advance payment (mikdamot) requirements. Covers Section 2(1) of the Income Tax Ordinance, Circular 2018/05, and the 25% capital gains rate for individuals. Do NOT use for non-Israeli tax jurisdictions, general income tax calculations, or VAT (maam) on crypto business activities, which require separate professional consultation.

TASE Stock Analysis

Author: skills-il

Trusted81/100

Analyze Israeli stocks on TASE (Tel Aviv Stock Exchange), track TA-35 and TA-125 indices, and evaluate dual-listed companies (TASE + NASDAQ). Use when user asks about Israeli stocks, "boorsa", "TA-35", "TASE", Maya filings, dual-listed companies, or Israeli capital gains tax on securities. Provides index composition, Maya filings lookup, capital gains tax calculations (25% on securities), and Bank of Israel interest rate context for valuation. Do NOT use for general international stock analysis unrelated to Israel, or for cryptocurrency trading.

Grow Payment Gateway (Meshulam)

Author: skills-il

Trusted74/100

Integrate Grow by Meshulam payment gateway into Israeli applications -- covers payment pages (iframe/redirect/SDK), tokenization, recurring billing, payment links, refunds, invoices, webhooks, and 3DS authentication via the Grow Light API. Use when user asks to accept payments via Grow or Meshulam, set up "slikat ashrai" with Grow, create payment links (drishat tashlum), handle recurring charges (hora'ot keva) via Grow tokens, process refunds or Bit cancellations, integrate Grow webhooks, or mentions "Grow", "Meshulam", "grow-il", "meshulam.co.il", Grow payment page, or Grow API. Prevents costly integration mistakes by guiding correct FormData request format, server-side-only restrictions, and the mandatory approveTransaction step that many developers miss. Do NOT use for Cardcom integration (use cardcom-payment-gateway), Tranzila integration (use tranzila-payment-gateway), general payment orchestration across multiple gateways (use israeli-payment-orchestrator), or non-payment queries.

BOI Economic Data

Author: skills-il

Trusted81/100

Fetch and analyze Bank of Israel (BOI) economic data: interest rates, CPI (madad hamchirim), exchange rates (sha'ar yatzig), and CBS statistics. Use when user asks about BOI interest rate, exchange rates, CPI index, or Israeli economic indicators. Foundation skill for Israeli financial analytics. Do NOT use for stock market data (use tase-stock-analysis instead) or for currency conversion (use shekel-currency-converter instead).

Israeli Bank Connector

Author: skills-il

Trusted82/100

Analyze Israeli bank transactions, spending patterns, and financial data across Israeli banks and credit card companies. Use when user asks about bank transactions, spending analysis, "cheshbon bank", budget tracking, or needs to categorize Israeli banking data. Enhances israeli-bank-mcp, il-bank-mcp, and asher-mcp servers with financial analysis workflows. Supports Hapoalim, Leumi, Discount, Mizrahi-Tefahot, First International (FIBI), Visa Cal, Max, Isracard, and Amex. Do NOT use for payment initiation, money transfers, or investment advice.

Israeli Corporate Tax Strategy

Author: skills-il

Trusted89/100

Strategic tax analysis for Israeli company owners (baalei shlita) comparing salary, dividends, shareholder loans, and management fees as profit extraction methods. Calculates total tax burden across methods, identifies optimal strategy based on assessment amount and company structure, and verifies compliance with Israeli Tax Authority rules. Use when you need to pay a personal tax assessment from company funds, compare dividend vs salary, analyze shareholder loan tax implications under Section 3(tet), or plan profit extraction as a controlling shareholder. Prevents costly extraction mistakes by analyzing withholding, Bituach Leumi, surtax, and corporate tax interactions. Do NOT use for VAT reporting (use israeli-vat-reporting), payroll processing (use israeli-payroll-calculator), annual tax return filing (use israeli-tax-returns), or crypto tax (use israeli-crypto-tax-reporter).

IL Invoice Organizer

Author: skills-il

Trusted81/100

Parse and organize Hebrew invoices for Israeli bookkeeping: VAT 1/6 extraction, Tax Authority expense categories, Osek Murshe/Patur recognition, and accountant-ready export. Use when user asks about organizing invoices, expense categorization, VAT extraction, or preparing documents for their accountant. Do NOT use for invoice generation (use israeli-e-invoice instead) or for VAT report filing (use israeli-vat-reporting instead).

Shekel Currency Converter

Author: skills-il

Trusted88/100

Convert currencies to/from Israeli New Shekel (NIS/ILS) using Bank of Israel official exchange rates. Use when user asks to convert shekels, NIS, ILS, asks about exchange rates, "shaar yatzig" (representative rate), or needs currency conversion for Israeli tax or business purposes. Supports 30+ currencies with current and historical rates. Do NOT use for cryptocurrency or unofficial money exchange rates.

Israeli Budget Planner

Author: skills-il

Trusted78/100

Plan household and personal budgets with Israeli-specific costs, rates, and financial products. Use when user asks about budgeting in Israel, mortgage (mashkanta) calculations, arnona rates, cost of living, takciv, or monthly expense planning. Covers Bank of Israel prime rate, mashkanta tracks, arnona by city, Sal Briut costs, and Israeli household benchmarks.

Israeli Tax Returns

Author: skills-il

Trusted86/100

Prepare and file Israeli tax returns with Reshut HaMisim. Covers Form 1301 (individual), Form 1214 (corporate), Form 126 (employer salary), Form 856 (supplier payments), Form 6111 (financial statements), mikdamot (advance payments), Mas Shevach (real estate capital gains), and securities capital gains (Forms 1322/1325). Guides income classification, deductions, tax credits, surtax, deadlines, and SHAAM submission. Do NOT use for VAT reporting (use israeli-vat-reporting), withholding tax (use israeli-tax-withholding), crypto tax (use israeli-crypto-tax-reporter), payroll (use israeli-payroll-calculator), or invoicing (use israeli-e-invoice).

Israeli Tax Withholding

Author: skills-il

Trusted81/100

Israeli tax withholding (nikui mas bemakor) rates, certificates, and calculations. Use when user asks about withholding tax, "nikui mas", withholding certificates, "ishur nikui", tax coordination (tium mas), or needs to calculate withholding amounts. Covers payments to suppliers, freelancers, landlords, and cross-border payments. Do NOT use for employee payroll tax (see israeli-payroll-calculator) or VAT reporting.

Cardcom Payment Gateway

Author: skills-il

Trusted78/100

Integrate Cardcom payment processing and Israeli invoice generation into applications -- covers Low Profile payments, tokenization, recurring billing, and automatic tax invoice/receipt creation per Israeli law. Use when user asks to accept payments via Cardcom, generate Israeli invoices with payments, set up "slikat ashrai" with hashbonit, handle recurring billing (hora'ot keva), or mentions "Cardcom", "CardCom API", "Low Profile", Israeli payment with invoicing, or needs combined payment + document generation. Supports REST API V11 and legacy endpoints. Do NOT use for Tranzila integration (use tranzila-payment-gateway), general accounting, or non-payment queries.

Tranzila Payment Gateway

Author: skills-il

Trusted78/100

Integrate Tranzila payment processing into Israeli applications -- covers iframe payments, tokenization, installments (tashlumim), refunds, 3D Secure, and Bit wallet. Use when user asks to accept payments via Tranzila, integrate Israeli credit card processing, set up "slikat ashrai", handle tashlumim (installment payments), create payment tokens, process refunds through Tranzila, or mentions "Tranzila", "tranzila API", "secure5", or Israeli online payments. Supports both legacy CGI endpoints and modern API V2. Do NOT use for Cardcom integration (use cardcom-payment-gateway), general accounting, or non-payment financial queries.

Israeli Arnona Optimizer

Author: skills-il

Trusted84/100

Calculate municipal property tax (arnona) for Israeli properties, check discount eligibility, and draft appeal letters to arnona committees. Use when a user needs to estimate arnona payments by municipality, zone, and property usage type, verify eligibility for discounts (olim, soldiers, elderly, disabled, low income, students, single parents), or prepare formal appeals with legal references. Covers all major Israeli municipalities including Tel Aviv, Jerusalem, Haifa, and Beer Sheva. Do NOT use for income tax (mas hachnasa), VAT (maam), or national insurance (bituach leumi) calculations, which fall under separate Israeli tax authorities.

Israeli Insurance Comparator

Author: skills-il

Trusted89/100

Compare car insurance (mandatory hova, comprehensive makif, third-party), home insurance, and health supplementary insurance across 20+ Israeli insurers using official government calculators and private comparison platforms. Use when a user needs to find the cheapest insurance quote, understand policy differences, or prepare for annual renewal negotiations. Guides through CMA calculator at car.cma.gov.il, Hova.co.il, Shukabit, Wobi, and Bestie. Do NOT use for life insurance, pension fund selection, or travel insurance comparisons.

Israeli Payment Orchestrator

Author: skills-il

Trusted82/100

Orchestrate Israeli payment gateways (Cardcom, Tranzila, PayMe, Meshulam, iCredit, Pelecard) with unified routing, fallback, and installments (tashlumim). Use when user asks about multi-gateway payment integration, "slikat kartisim", "tashlumim", payment routing, Shva network, BOI Directive 357, gateway comparison, or building a payment abstraction layer for Israeli merchants. Provides unified API patterns, installment handling, Shva clearing rules, and regulatory compliance. Do NOT use for single gateway setup (use cardcom-payment-gateway or tranzila-payment-gateway instead).

Israeli Pension Advisor

Author: skills-il

Trusted81/100

Navigate the Israeli pension and savings system including pension funds (keren pensia), manager's insurance (bituach menahalim), training funds (keren hishtalmut), and retirement planning. Use when user asks about Israeli pension, "pensia", "keren hishtalmut", retirement savings, "bituach menahalim", pension contributions, or tax benefits from savings. Covers mandatory pension, voluntary savings, and withdrawal rules. Uninformed pension decisions cost hundreds of thousands of NIS over a lifetime. Do NOT provide specific investment recommendations or fund performance comparisons.

Israeli Freelancer Operations

Author: skills-il

Trusted80/100

Manage daily operations for Israeli freelancers (osek murshe, osek patur) - invoice aging with collection reminders, utility bill collection via browser automation, tax deadline alerts (VAT, Bituach Leumi, mkdamot, annual report), osek patur threshold monitoring, and organized accountant packages. Prevents missed VAT filings, forgotten invoice follow-ups, and disorganized accountant handoffs. Do NOT use for VAT return preparation, e-invoice generation, or payroll management.