Israeli Mortgage Simulator & Optimizer
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 ensure your mix meets Bank of Israel guidelines—max 66% Prime, min 33% fixed.
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.io different from a standard Israel mortgage calculator?
Standard bank calculators only show your initial monthly payment. Ribit.io is an Israel mortgage simulator that uses AI to forecast future payments by including CPI inflation (Madad) and interest rate changes. It doesn't just calculate; it optimizes your mortgage mix to save you money over the full term.
Is Ribit.io a mortgage broker?
No, Ribit.io is an independent financial decision engine designed to give you objective data. However, once you have your optimal plan, we can connect you with a trusted Israel mortgage broker for free to handle the bank negotiations and paperwork. Simply fill out
Does this calculator predict the impact of inflation (Madad)?
Absolutely. Ignoring inflation is the #1 mistake borrowers make. Ribit.io is the only mortgage calculator in Israel that allows you to simulate high, medium, or low inflation scenarios. This reveals the "hidden cost" of your loan and helps you choose safer tracks like "Kalatz" (Non-linked Fixed Rate).
How accurate is the algorithm for 2025 market rates?
Our system is updated regularly with the latest Bank of Israel data. While no calculator can predict the future with 100% certainty, Ribit.io's algorithm runs thousands of simulations to show you the most probable outcomes for your monthly repayments, helping you make a safer decision.
Get a Free Expert to Help You
Our mortgage specialists will analyze your situation and negotiate the best rates for you—completely free.
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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