Freelancer Shield Calculator
See exactly what you’ll pay — and what you’ll gain — with Freelancer Shield.
₪3,000₪10,000₪50,000
Osek Patur (Self-Managed)
Total Economic Value
₪6,370
Cash in bank: ₪7,120 (before benefits)
Monthly costs: ₪380
Time: ~5 hrs/month admin
Freelancer Shield (Employed)
★ Best Choice
Total Economic Value
₪8,865
Cash in bank: ₪5,915 (before benefits)
Monthly fee: ₪550
Time: 0 hrs admin
With Freelancer Shield you earn +₪2,495/month more in total economic value — even though your cash-in-hand is lower. The difference is ₪1,597/month going directly into your pension and severance fund.
Fee Breakdown
Per-invoice fee: ₪50 (one invoice a month assumed; no monthly fee)
Service fee: 5% × your gross invoiced amount (excl. VAT) = ₪500/month
Total monthly fee: ₪550
* CWS charges 18% VAT on every invoice issued to your clients. Add VAT on top of your rate (multiply by 1.18) to avoid deduction from your net amount. The monthly revenue above is your invoiced amount before VAT, and the 5% fee is calculated on that amount, not on the VAT.
Full Comparison
| Factor | Osek Patur | Freelancer Shield |
|---|---|---|
| Net cash in bank (₪10K scenario) | ~₪7,120 | ~₪5,915 |
| Monthly admin costs | ~₪380 (accountant + software) | ₪550 (all-inclusive fee) |
| Time investment | ~5 hrs/month | 0 hrs |
| Pension & severance contributions (קרן פנסיה / פיצויים) | ₪0 — you fund 100% yourself | +₪1,597/month employer contribution |
| Paid leave value (חופשה שנתית / דמי מחלה) | ₪0 | ~₪596/month |
| Unemployment insurance (דמי אבטלה) | ❌ Not eligible | ✅ Eligible |
| Work accident insurance (ביטוח תאונות עבודה) | ❌ Not included | ✅ Included |
| Employment letter for mortgage (מכתב מעסיק למשכנתה) | ❌ Not available | ✅ Provided |
| Tax filing support | Your responsibility | ✅ Annual support included |
| Total economic value (₪10K scenario) | ~₪6,370 | ~₪8,865 (+₪2,495) |