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
₪8,781
Cash in bank: ₪5,859 (before benefits)
Monthly fee: ₪640
Time: 0 hrs admin
With Freelancer Shield you earn +₪2,411/month more in total economic value — even though your cash-in-hand is lower. The difference is ₪1,582/month going directly into your pension and severance fund.
Fee Breakdown
Base fee: ₪50/month
Service fee: 5% × your gross revenue (incl. 18% VAT) = ₪590/month
Total monthly fee: ₪640
* 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.
Full Comparison
| Factor | Osek Patur | Freelancer Shield |
|---|---|---|
| Net cash in bank (₪10K scenario) | ~₪7,120 | ~₪5,859 |
| Monthly admin costs | ~₪380 (accountant + software) | ₪640 (all-inclusive fee) |
| Time investment | ~5 hrs/month | 0 hrs |
| Pension & severance contributions (קרן פנסיה / פיצויים) | ₪0 — you fund 100% yourself | +₪1,582/month employer contribution |
| Paid leave value (חופשה שנתית / דמי מחלה) | ₪0 | ~₪590/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 | ~₪8,781 (+₪2,411) |
