What problem does it solve? Planning a personal or household budget in Israel requires navigating country-specific rules: income tax brackets, Bituach Leumi and health tax deductions, multi-track mashkanta (mortgage) structures, arnona municipal rates, and unique savings vehicles like keren hishtalmut. Generic budgeting advice misses these, producing inaccurate net salary and mortgage estimates. ## Core Features & Use Cases - Salary Breakdown Calculation: Computes net salary from gross using Israeli income tax brackets, Bituach Leumi, health tax, pension deductions, and tax credit points (nekudot zikui) via the bundled budget_calculator.py script. - Mashkanta (Mortgage) Comparison: Compares Prime-linked, fixed unlinked, and CPI-linked tracks under Bank of Israel rules (max 75% LTV, 33.33% variable cap, 40% PTI limit) with monthly payment and total cost estimates. - Localized Cost Benchmarks: Provides arnona rates by city, cost-of-living benchmarks for a couple with one child, and savings vehicle comparisons (keren pensia, keren hishtalmut, kupat gemel). - Use Case: A user asks "Help me plan a monthly budget for a family in Tel Aviv" and receives a full budget with net salary after Israeli deductions, arnona estimate, category allocations, and a savings plan. ## Quick Start Ask the assistant to calculate the net salary and monthly budget for a gross salary of 15,000 NIS in Tel Aviv using this skill.
