Fintech · Retirement planning · Israeli law Product, engineering & financial modeling · End to end

FinancialFeed

Your pension payslip at 67, worked out today, under Israeli law.

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FinancialFeed main screen: the retirement payslip, accumulation chart and the plan sidebar, in Hebrew

124engine tests, all passingVitest · hand-checked cases

18legal figures, each with its source and check date2026 rules · one file

6savings account types, each with its own tax rulespension fund to bank deposit

~3 msto solve a goal, re-running the whole plan at every stepbisection, to within ₪1

Overview

FinancialFeed is a Hebrew, right-to-left retirement planner built on Israeli law. You describe your working life (salaried, self-employed, or both) and every account you save in: pension fund, study fund, investment provident fund, a private portfolio, a bank deposit. It answers the two questions people actually ask. How much will I get each month when I retire, after tax and in today's money? And how much more do I need to save to get where I want to be? Every number comes from a tested engine that simulates the plan month by month under the 2026 rules.

The retirement payslip: pension fund and portfolio rows, a tax row, ₪16,990 net per month, and a goal bar ₪3,010 short of ₪20,000

The example plan: a ₪16,000 salary, a pension fund and a portfolio, retiring at 67.

The signature

Retirement, as a payslip.

Every Israeli already knows how to read one money document: the monthly תלוש. So the answer is shaped like one.

◇A row per account, each with its own payout rule

◇Pension tax with the 57.5% exemption and credit points

◇After or before tax · today's or future money

◇Goal progress: covered, short, or over

₪18,402 gross → ₪16,990 net Short of the goal by ₪3,010 Numbers spring, never jump

Stacked area chart of the pension fund and portfolio balances from age 31 to 67, in today's money

Balances by age, per account, in today's money.

The engine

Every month, every account, simulated.

Under the payslip sits a plain-JavaScript engine with no React and no DOM.

◇Month-by-month simulation to retirement

◇Real-gain cost basis for the 25% capital-gains tax

◇Salaried %, self-employed minimum, or fixed phases

◇Legal warnings for caps, ceilings and minimums

Goal card: a ₪20,000 target, the answer ₪1,679 more per month into the portfolio, and the cost of starting in 5 or 10 years

The solver's answer for a ₪20,000 goal, plus the cost of waiting.

The goal solver

How much more, exactly.

Type the monthly income you want. The solver runs the entire plan again and again until it finds the smallest extra monthly deposit that gets you there.

◇Bisection over full simulations, ₪0 to ₪200,000

◇After-tax or before-tax, always in today's money

◇The cost of waiting 5 and 10 years

◇Says so when a goal is out of reach

Start now: ₪1,678/mo In 10 years: ₪3,091/mo

Graph · straight from the solver

The price of waiting.

The extra deposit needed each month to retire on ₪20,000 net, depending on how many years you wait before starting. Example plan, in today's money.

Years you wait before starting

1.8× more each month if you wait 10 years

6.4× more each month if you wait 25 years

2× the extra deposits overall: ₪1.46M instead of ₪732K

Solved by FinancialFeed's own engine: 26 bisection runs on the example plan, about 3 ms each.

Show the numbers

What a pension really pays in tax.

Effective income tax on a monthly pension, for a man, under the 2026 rules. The exemption plus credit points make the first ₪10,867 tax-free.

Computed with the engine's pensionIncomeTax(), every ₪500.

Show the numbers

Israeli law, encoded

Every rule has a source and a date.

Eighteen legal figures live in one rules file, each stored with where it came from and the day it was checked.

◇2026 brackets, credit points and the 57.5% exemption

◇Self-employed minimum: 4.45%, then 12.55%

◇Fee caps and deposit ceilings per account type

◇Retirement age by gender and birth month

Stop working at 55 on ₪20,000 a month: the payslip flags that the savings run out at 58 and 8 months.

Early retirement

Stop at 55. Know if it lasts.

Switch early retirement on and the plan splits into stages.

◇A payslip for every stage of retirement

◇Tax-free accounts drawn first, gross-up solved

◇Pension from 60, conversion factor adjusted

◇Last until an age, or forever on the real return

Graph · straight from the solver

Will the savings last?

Savings balance by age, in today's money. Stop working at 55, live on ₪20,000 net a month, pension from 67.

As planned With +₪6,484/mo from now (the solver's answer)

Both lines are simulateEarly() runs on the example plan; the second adds the deposit solveEarlyDeposit() found.

Show the numbers

A spotlight tour step highlighting the solver's answer, with back and next buttons

Tour step 2 of 5, spotlighting the solver's answer.

Onboarding

Made for people who've never heard of a conversion factor.

Pension math is intimidating, so the app teaches as you go.

◇Welcome sheet with four use-case tours

◇A spotlight that springs between targets

◇Tour steps that change your plan, with undo

◇23 plain-language explanations

Welcome sheet with four starting points: how much pension, how much to save, early retirement, I run a business

Assumptions panel: inflation and withdrawal rate, the rules' update date, and what the calculator does not include

FinancialFeed on a phone: the payslip first, then personal details

On a phone: one column, the payslip first.

Feel

Drag your life into place.

Career stages and deposit periods sit on a draggable age strip.

◇Pointer-captured drag, year snapping, flick momentum

◇Rubber-banding at neighbours and edges

◇Springs and layout animation with Motion

◇Light and dark, reduced motion, higher contrast

Under the hood

A calculator you can trust with a number this big.

The math lives in a pure engine with no UI, covered by tests pinned to hand-checked cases.

Interface

React 19ViteMotionRechartslucide-react

Engine

Plain JavaScript (ESM)No React · no DOMBisection solverFixed-point gross-up

Quality

Vitest · 124 testsoxlintHand-checked cases

Data & privacy

localStorage onlySchema-versioned plansUndo, not confirm dialogs

Israeli domain

2026 tax bracketsPension exemptionSelf-employed minimumקרן השתלמותגמל להשקעה

Design system

Hebrew / RTLSF Hebrew · system-uiLight & darkReduced motion & contrast

Runs entirely in the browser: no server, no account, no tracking.

Correctness & privacy

A wrong number about retirement is worse than none.

◇124 tests on hand-checked cases

◇Every legal figure sourced and dated

◇No server, no account: data stays on the device

◇Bad input never crashes the engine

◇Lists every simplification it makes

◇Clearly labeled: estimates, not advice

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