Advanced Mortgage Calculators 2025

Kessem Financial Success

Professional tools for accurate mortgage calculations ✅ Instant eligibility check ✅ Package comparison ✅ Additional costs ✅ Plan your mortgage and investments wisely with Israel’s most advanced calculators.

Latest Bank of Israel Data

Up-to-date financial data for accurate calculations

Bank of Israel Rate 4.5% 0.00% —
Prime Rate 6.0% 0.00% —
12-Month Inflation 3.6% 0.8% ↑
Data updates automatically and is for estimation only. For professional and precise advice, consult a certified mortgage advisor.

A Variety of Financial Calculators for Mortgage & Investment Planning

Free and easy-to-use tools for planning and managing your financial life, from mortgage calculation to real estate investment feasibility.

Advanced Mortgage Calculator 2025 – Accurate and Professional Calculation

Calculate your monthly payment, total mortgage cost, and interest using the latest Bank of Israel data. Includes comparison between Spitzer and Equal Principal, grace period, and advanced options.

Calculate Mortgage

Mortgage Refinance Calculator

Check the feasibility of refinancing your current mortgage. Estimate potential savings in interest and monthly payments over the loan period. Discover how much you can save.

Calculate Refinance

Mortgage Eligibility Calculator

Get an estimate of the maximum mortgage amount you can receive from the bank, based on your net monthly income and existing financial commitments.

Check Eligibility

Real Estate Investment Return Calculator

Calculate the expected return on investment for an income-generating property (apartment, commercial asset). Analyze investment feasibility, cash flow, and potential profit.

Calculate Return

Mortgage Packages Comparison Calculator

Compare two different mortgage packages (interest tracks, amounts, and periods) to choose the optimal and most profitable composition for you.

Compare Packages

Property Purchase Costs Calculator

Estimate all additional costs involved in purchasing an apartment or property, including updated purchase tax, legal fees, appraiser, brokerage fees, and more.

Calculate Costs

Reverse Mortgage Calculator (Senior Citizens)

Check the options for obtaining a reverse mortgage for those aged 60 and over who own a property, and turn the property into an additional source of income without selling it.

Calculate Reverse Mortgage

Balloon/Bridge Loan Calculator

Calculate a balloon loan (bridge loan) with regular interest payments and principal repayment at the end of the period. Suitable for those awaiting future funds.

Calculate Balloon Loan

Mortgage Calculator

Calculate the monthly payment and total cost of your mortgage according to your parameters.

Enter your desired mortgage amount
Standard period: 20-30 years
Current average interest: 4.0%-6.0% (updated according to Bank of Israel)

Calculation Results

Initial Monthly Payment: ₪0
Total Payment: ₪0
Total Interest: ₪0
Professional Recommendation:

This calculation is for estimation purposes only. For accurate advice, please contact a mortgage advisor.

Mortgage Refinance Calculator

Check if it's worthwhile to refinance your current mortgage and how much you can save.

Current Mortgage Details

New Mortgage Details

Feasibility Check Results

Monthly Savings: ₪0
Total Savings: ₪0
Investment Payback Time: 0 months
Recommendation:

Mortgage refinancing involves additional costs such as registration fees, file opening fees, and more. For professional advice, contact a mortgage advisor.

Mortgage Eligibility Calculator

Check the maximum mortgage amount you can receive based on your income and commitments.

Eligibility Check Results

Estimated Maximum Mortgage: ₪0
Maximum Monthly Payment: ₪0
Payment Percentage of Income: 0%

This calculation is an estimate only. Final eligibility is determined by the bank after examining all parameters. For professional advice, contact a mortgage advisor.

Investment Return Calculator

Check the profit potential and expected return from investing in income-generating property or real estate.

Property Details

Expenses and Loan

Investment Analysis Results

Annual Return on Capital: 0%
Monthly Cash Flow: ₪0
Total Profit at End of Period: ₪0
Investment Payback: 0 years

This calculation is an estimate only and does not take into account all possible variables. It's recommended to consult with a real estate investment expert for comprehensive advice.

Property Purchase Additional Costs Calculator

Calculate all additional costs involved in purchasing an apartment or property, including updated purchase tax for 2025.

Property value according to appraiser's assessment or purchase price
Buyer type affects the purchase tax rate
Leave empty if no mortgage
Enter amount or percentage - the other field will be calculated automatically
Enter amount or percentage - the other field will be calculated automatically
Enter amount or percentage - the other field will be calculated automatically

Additional Costs Breakdown

Purchase Tax: ₪0
Land Registry Fees: ₪0
Bank Fees: ₪0
Legal Fees: ₪0
Appraiser Fees: ₪0
Brokerage Fees: ₪0
Total Additional Costs: ₪0
Percentage of Property Value: 0%

This calculation includes the main additional costs for property purchase. There may be additional costs depending on the specific circumstances of the transaction. It's recommended to consult with a professional lawyer.

Mortgage Packages Comparison Calculator

Compare two different mortgage packages to choose the best option for you.

First Package

Second Package

Package Comparison Results

Monthly Payment - Package 1: ₪0
Monthly Payment - Package 2: ₪0
Total Interest - Package 1: ₪0
Total Interest - Package 2: ₪0

The comparison does not take into account interest rate changes in variable tracks. For professional advice and personal package customization, contact a mortgage advisor.

Reverse Mortgage Calculator

Check the amount you can receive in a reverse mortgage on a property you own (for those aged 60 and over).

25%

Reverse Mortgage Check Results

Maximum Loan Amount: ₪0
Possible Monthly Pension: ₪0
Estimated Debt Balance After 15 Years: ₪0

Reverse mortgage is a complex financial product suitable for the elderly population. The calculation provides an estimate only. It's recommended to get professional advice before making a decision.

Balloon Loan Calculator

Calculate a balloon loan with principal repayment at the end of the period and monthly interest payments.

80%

Balloon Loan Calculation Results

Periodic Interest Payment: ₪0
Principal Amount for End Payment: ₪0
Total Interest Payments: ₪0
Total Loan Cost: ₪0

Balloon loan involves a significant payment at the end of the period. You must ensure a source for principal repayment (such as property sale or refinancing) before taking this type of loan.

Why Use Our Mortgage Calculators?

Use our advanced financial calculators for proper planning of your mortgage and investments. All calculators are updated for 2025 and include the latest data from the Bank of Israel, including a prime rate of 6.0% and Bank of Israel rate of 2.0% (updated January 2025).

Data Sources

All economic data is updated from reliable sources:

Our Calculator Advantages

  • Updated Data: All calculators use live and updated data from the Bank of Israel
  • Accurate Calculations: Advanced algorithms based on professional financial formulas
  • User-Friendly Interface: Clean and clear design with explanations for each field
  • Detailed Results: Charts, tables, and personalized recommendations
  • Responsive: Works perfectly on all devices - computer, tablet, and smartphone
  • Completely Free: All calculators are available at no cost without limitations

Available Mortgage Calculators

Advanced Mortgage Calculator

Accurate calculation of monthly payment, total mortgage cost, and interest. Supports Spitzer and Equal Principal.

Mortgage Eligibility Check

Get an estimate of the maximum mortgage amount based on your income and commitments.

Mortgage Refinance Calculator

Check the feasibility of refinancing your current mortgage and calculate potential savings.

Mortgage Package Comparison

Compare different mortgage packages to choose the best option.

Note: Data is updated automatically and used for estimation only. For professional and accurate advice, it's recommended to contact a certified mortgage advisor.

Want to Get Professional and Personal Advice?

The calculators provide initial information only. For complete consultation and a personalized offer, leave your details or contact us.