About Yesh Cash

Yesh Cash is an independent educational portal built to make money topics accessible to everyone in Israel, in plain and clear language. We believe basic financial literacy is a right for everyone — not knowledge reserved for experts.

Why we built this

Most financial information in Israel comes from someone trying to sell something — a fund, a policy, a course or advisory services. We wanted one place where you can learn without anyone selling you anything.

What you will find here

Over 60 in-depth guides across six areas: pension, capital markets, taxes, freelancers, savings and mortgages. Plus eight free financial calculators that help you test scenarios and plan your next steps — all running entirely in your browser.

Our principles

No ads. No sales. No gurus. Full transparency about our sources and methods. And plain language — without unnecessary jargon.

The story behind Yesh Cash

Yesh Cash grew out of a simple observation: in Israel, learning the basics of money — how a pension fund actually works, what tax brackets mean for your paycheck, how a Spitzer mortgage track behaves over thirty years — is unreasonably hard. Banks publish PDFs written for compliance officers, not customers. Pension funds bury their fees in fine print. The financial press leans toward day-trading stories rather than long-term saving. We wanted a quieter, calmer corner of the internet where someone can sit down for fifteen minutes, look up one specific concept, and leave knowing what to do next.

How our content is built

Every guide on yesh-cash.com goes through a deliberate process designed to balance depth with accessibility:

• Primary sources first. We start with regulations published by the Capital Market Authority, the Bank of Israel, the Tax Authority and Bituach Leumi. Where rules change, we update the article and note the year.
• Plain-English rewrite. Legal language is translated into sentences a high-schooler can read. Where a Hebrew financial term has no clean English equivalent, we explain the Hebrew concept directly (for example, “keren pensia” vs. “keren hishtalmut”).
• Worked numerical examples. Every concept that involves money is illustrated with at least one calculation in shekels, so you can map the idea onto your own paycheck or balance.
• Calculator pairing. Most guides link to an in-house calculator that runs entirely in your browser. You can stress-test the article's example with your own numbers without sending anything to a server.
• Periodic review. Tax brackets, fee caps and contribution rates are reviewed at the start of every calendar year and after any major regulatory change.

What is on the site

The content is organised into six topic silos, each containing both beginner-level explainers and deeper how-to material:

• Pension & long-term savings — pension funds, study funds (“keren hishtalmut”), provident funds, management fees and how to compare them.
• Capital markets & investing — index funds, ETFs traded on TASE, broker accounts, diversification and behavioural pitfalls.
• Taxes — Israeli income tax brackets, credit points (“nekudot zikui”), capital gains tax, dividend tax and end-of-year reconciliation.
• Freelancers (“atzma'im”) — registering as self-employed, VAT, advance tax payments and pension obligations.
• Savings & budgeting — emergency funds, savings goals, monthly tracking, debt prioritisation.
• Mortgages & housing — Israeli mortgage tracks (prime, fixed nominal, fixed CPI-linked), down-payment ratios, refinancing.

Alongside the articles you will find eight free calculators (compound interest, mortgage, pension projection, management fees, income tax, net salary, loan, monthly budget) and four interactive quizzes that help you think through your investor profile, risk tolerance, mortgage readiness and overall financial fitness.

What Yesh Cash is not

To be clear about the things we deliberately do not do:

• We are not licensed financial advisors and we do not offer personal advice. Anything written here is general education.
• We do not recommend specific products. No “buy this fund” or “switch to this bank.” Where we name a product or institution it is for illustration, not endorsement.
• We do not run affiliate links. No referral fees, no sponsored placements, no “featured” banks bumped up in lists.
• We do not collect personal data. The calculators and quizzes run in your browser. We do not ask for your name, your ID number or your salary.

Who writes Yesh Cash

Content is produced by the Yesh Cash editorial team, drawing on published regulations and standard finance textbooks. Articles are signed “Yesh Cash Editor” rather than under individual names — the goal is for readers to trust the process and the sources, not a personal brand.