Israel Old-Age Pension Calculator 2026 (קצבת זקנה)
Estimates the monthly old-age pension (kitzbat zikna, also called kitzbat ezrach vatik) paid by Israel's National Insurance Institute, using the rates in force from 1 January 2026: NIS 1,838 for an individual and NIS 2,762 for a couple, NIS 103 more from age 80, a seniority increment of 2% per insurance year up to 50%, and a deferral increment of 5% per year. 2027 rates are not yet published.
The old-age pension in Israel (קצבת זקנה, also searched for as קצבת אזרח ותיק) is a monthly benefit paid by the National Insurance Institute (Bituach Leumi) to insured residents who reach retirement age and meet the conditions. It starts from a basic rate set by family composition and is increased by a seniority increment for years of insurance and, in some cases, a deferral increment.
Old Age Pension Israel: 2026 Monthly Rates
| Family composition | Monthly rate from 1 January 2026 |
|---|---|
| Individual | NIS 1,838 |
| Individual aged 80 or older | NIS 1,941 |
| Couple (individual pension plus spouse increment of NIS 924) | NIS 2,762 |
| Couple, recipient aged 80 or older | NIS 2,865 |
| Individual + 1 child | NIS 2,419 |
| Couple + 1 child | NIS 3,343 |
| Individual + 2 or more children | NIS 3,000 |
| Couple + 2 or more children | NIS 3,924 |
The child increment is NIS 581 per child and is paid for the first two children only. If both spouses separately meet the conditions, each receives a pension for an individual.
Worked Example
A single person aged 70 with 25 full years of insurance starts from NIS 1,838. Twenty-five years at 2% a year reach the 50% maximum, adding NIS 919, so the pension is NIS 2,757 a month. Health insurance of NIS 237 is deducted, leaving NIS 2,520. A couple where the recipient is 82, with 10 years of insurance and 2 years of deferral, starts from NIS 2,865, adds 20% seniority (NIS 573) to reach NIS 3,438, then 10% deferral (NIS 343.80), for NIS 3,781.80 a month before the NIS 340 health deduction.
Seniority and Deferral Increments
The seniority increment is added to the basic pension rate you are entitled to by age and personal status. Since January 2019 it is 2% for every full year of insurance, counted from the first year, up to a maximum of 50%; twelve months of insurance, consecutive or not, count as a full year. The pension deferral increment is 5% of the pension, including the seniority increment, for each year in which payment was deferred because of income from work between retirement age and the age of entitlement (70). The Institute's own example: a pension of NIS 2,000 including seniority, deferred two years, becomes NIS 2,200. People whose high income is only from non-work sources do not receive this increment.
Retirement Age and What Is Not Included
Retirement age is 67 for men. For women it runs from 62 to 65 depending on date of birth: 62 for women born from May 1947 to December 1959, rising in steps to 65 for those born from January 1970. Between retirement age and age 70 the pension depends on an income test; after 70 it does not. Pensioners with low income may also receive an income supplement, which has its own table and is not calculated here.
Source and Disclaimer
Rates are those published by the National Insurance Institute as of 1 January 2026; rates for 2027 are normally published around the start of the year. This is an estimate, not a decision on entitlement.
Source: National Insurance Institute of Israel — Old Age: Pension rates, and its pages on the seniority increment, the pension deferral increment and retirement age. Last updated: October 2026.