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RSU Gain Calculator

For example: Apple → AAPL. For TLV-listed stocks, add ".TA": Cellcom → CEL.TA.

Symbol isn't correct

At least 1

The number of RSU shares that have already vested.

Error

The date your RSUs were granted - not the vesting date.

Gross monthly avg., incl. benefits, bonus ÷12, RSU income part ÷12, maternity & Miluim payments (monthly). Use 12-month avg if part-year.

Greater than 0

Last 12 month average salary from RSU company, (for Bituah Leumi & health tax).

Greater than 1

Profit  (+) or loss (-) from investments you sold this year.

Pro users area

Net to Bank in $, Net to Salary in ₪.

Apply 2-year rule (if not yet passed).

Check effect on Miluim payment.

Check effect on Maternity pay.

Whole months after (+) or before (–) Miluim start month at RSU sale.

Whole months after (+) or before (–) the birth month at RSU sale.

Calculating...

Highest average monthly salary over the last 3 or 6 months before leave.

Whole months of maternity leave at RSU sale (paid + unpaid).

Calculations are based on RSUs granted under Section 102 of the Israeli Income Tax Ordinance, including selling and transfer fees. For informational purposes only and subject to change. Not legal or tax advice. Your data is not saved.

Example

Example: META | 50 shares | Grant date: 13.08.2024 | Avg. salary: 23k | (Desktop: Months post miluim: -2 | Months post birth: -4 |  Pre-leave salary: 30k)

1$ = 3.0720₪

Stock price

$667.73

Grant price

$493.95

Gross

₪102,563.33

Average tax deduction

47%

Marginal tax

₪35,856.97

Highest tax bracket rate: 35%

Bituah Leumi & health

₪12,467.98

Highest tax bracket rate: 12.17%

Capital tax

₪0

No capital gain

Total net

₪54,108.53

Net to bank

₪34,710.52

After max tax (62.2% income, 25% capital).

Net to salary

₪15,398.01

Income tax difference (62.2% vs actual rate).

Selling Tips

2 years break-even stock price

$616.53

Minimum price where selling 2 years after the grant date equals the net gain of selling now.
 

Monthly gross miluim salary

₪28,692

Monthly gross maternity salary

₪34,269

For 3.5 paid months (15 weeks): ₪119,940

 

Plan 2

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At least 1

Error

Greater than 0

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Plan 3

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At least 1

Error

Greater than 0

Calculating...

Plan 4

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At least 1

Error

Greater than 0

Calculating...

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