Here you will find the sample budget for a family of Olim planning their first year in Israel.  This resource allows you to approximate the main monthly expenses you will encounter after making Aliyah.


  • This spreadsheet is for cash out only, and does not reflect income or savings.
  • All furniture, appliances and clothing are shipped from overseas.
  • All sums are in New Israeli Shekels.
  • For the purposes of this budget, the family size represented here is 2 adults and 4 children.

Monthly Expenses

Sample Budget

Expense: Cost: Notes:
Rent ₪4,000-₪11,000 Living in the non-center (north and south) versus the center (Tel Aviv or Jerusalem) of Israel.
Transportation by car ₪2,000-₪4,500 Includes maintenance, registration and gas. (Public transportation costs up to ₪900 NIS.)
Education ₪750-₪2,500 Ranges between public and private school costs.
Tutoring 0-₪1,500
Childcare ₪1000-₪4,500
Food ₪4,000-₪6,500
Phone/Cell/Internet ₪600-₪1,500
Utilities ₪950-₪2,000
Health insurance (supplemental coverage) 0-₪780 Reflects cost of supplemental coverage not included in the basic package. Basic coverage is free for the first six months, and can continue to be free for up to 12 months if you’re still not working.
Other insurance & medical costs ₪750-₪1,500 NIS Includes life, home, property and auto insurance as well as dental and optical care.
After-school activities ₪500-₪1,600 Includes TV license and cable; and an occasional movie, babysitter, family trip and eating out in restaurants.
Arnona (municipal taxes) ₪100-₪750 NIS Reflecting the 90% discount received by new Olim during the first year.

Totals: ₪14,650-₪32,130

Start up expenses

Expense Cost Notes
House Setup ₪5,500-₪12,500 Includes furniture assembly, electrician and plumber.
Release of Shipment ₪2,500-₪7,500 Depends on the size of the crate.
Car ₪75,500-₪240,000 May be financed. Sum represents the initial cost but does not include the cost per year for car insurance, repairs and gas. Gas costs approximately ₪400-₪475 to fill up a mid-sized car.



Savings plan
Charitable contributions
Mas Hachnasa (income tax)
Credit cards
Supplementary Insurance

These charts should be used as estimates only.

For more information on balancing your family’s lifestyle on an Israeli budget, see Baruch Labinsky’s online Financial Planning Seminar from Blabinsky.

*Last updated on August 5, 2022*

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