Israel Mortgage Calculator & Mix Simulator
Navigate the complexity of Israeli mortgages with our smart simulator. Compare tracks, optimize your mix, and make informed decisions—all in one place.
100% Free. No Catch.
We believe everyone deserves access to smart mortgage planning tools. No hidden fees, no premium tiers, no data selling—ever.
No Payment Required
Completely free to use, now and forever
No Account Needed
Just open and start—no signup or login
Your Data Stays Yours
All calculations happen in your browser
Free Forever
No premium plans, no upsells, no tricks
Everything You Need to Plan
Our comprehensive tools help you understand, compare, and optimize your mortgage strategy.
Multi-Track Builder
Combine Prime, Kalatz, Katz, and more to create a balanced mortgage mix that fits your needs.
Smart Optimizer
Let our algorithm find the optimal allocation based on your goals—lowest payment, least interest, or balanced.
Payment Forecasting
See how CPI inflation and Prime rate changes could affect your monthly payments over time.
Regulatory Compliance
Automatic checks against Bank of Israel limits: at least one third at a fixed rate, at most two thirds variable, and loan-to-value caps.
Interest Savings
Compare total interest costs across different scenarios to potentially save hundreds of thousands.
Visual Analytics
Interactive charts show your payment schedule, amortization, and early repayment penalties.
Frequently Asked Questions
Everything you need to know about Ribit.io
How is Ribit different from a bank's mortgage calculator?
A bank calculator usually shows one loan at one rate. Ribit models a full mix of tracks the way Israeli banks build mortgages, projects payments under inflation (Madad) and interest-rate scenarios, checks the Bank of Israel limits, and works in five languages.
Is Ribit.io a mortgage broker?
No. Ribit.io is an independent planning tool: it helps you understand your options before you talk to a bank or a broker. If you want help negotiating with the banks, fill out the form on this page and we can put you in touch with an independent mortgage expert, free and with no commitment.
Does the simulator show the impact of inflation (Madad)?
Yes. On CPI-indexed tracks such as Katz and Matz, the outstanding balance grows with inflation, so the monthly payment rises over time. You can set an inflation scenario and see how the payments and the total cost of your mix change.
Where do the interest rates come from?
Default rates are refreshed daily from Bank of Israel data: Prime from the Bank of Israel rate plus 1.5%, Kalatz, Katz and Matz from the average rates on new mortgages, and reset tracks estimated from government bond yields plus an average bank margin. They are market averages: the rate a bank offers you depends on your profile, so you can replace them with the quotes you receive.
Talk to an independent mortgage expert
Send your scenario and an expert calls you back to review your mix and negotiate with the banks for you. Being put in touch is free and commits you to nothing: if you decide to work together, the expert gives you their fee in writing before you sign anything.
- Personalized Mix Analysis
- Bank Rate Negotiation
- End-to-End Guidance
Ready to Plan Your Mortgage?
Start building your mortgage mix now. It's free, no signup required, and your data stays in your browser.
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