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Services Concierge About Me Free Checklists Free Guides Tax Calculator 📅 Contact me
One person. Real help. No corporate nonsense.

Your life in Warsaw,
sorted.
In English.

I'm an expat myself. I've been through all of this — karta pobytu, ZUS, banks that won't talk to foreigners. Now I help others navigate it in plain English, with real legal background and genuine care about the outcome.

30+
Expats helped
12+
Countries
5
Average rating
A
Alex M.
Software Engineer · UK → Warsaw
Active
🏠
Karta Pobytu
Approved ✓
💼
JDG Registration
Done in 48h
🏦
Bank Account
mBank opened
30+
Clients helped
5
Average rating
20+
Residencies processed
15+
Businesses registered
What we do

Services for every expat.

Remote & Concierge Services

Need something done in Warsaw
while you're away?

Not in Warsaw yet, or temporarily abroad? I act as your trusted person on the ground — handling errands, documents, and anything that needs a physical presence in the city.

📬
Mailbox & Document Check
from 49 PLN
I visit your address, collect mail, photograph everything and send you scans within 24h. ZUS, Urząd, and tax office letters won't pile up unread while you're away.
🖨️
Print, Sign & Submit
from 79 PLN
Send me a file — I print it, get it signed if needed, and submit to the right office. ZUS declarations, PIT filings, Urząd applications.
🏠
Apartment Viewing
from 149 PLN / viewing
Moving to Warsaw but can't visit in person? I attend viewings on your behalf, film a detailed walkthrough, check the condition, and give you an honest assessment — including red flags in the contract.
🔑
Key Handover & Check-in
from 99 PLN
I meet your landlord, tenant, or guest, handle the key handover, and document the apartment condition with photos. Useful for property owners abroad.
Queue & Appointment Waiting
from 99 PLN / hr
I show up at the Urząd or ZUS, take a number, wait in line, and call you when it's almost your turn — or represent you with a power of attorney if the office allows it.
📦
Package & Parcel Handling
from 49 PLN
Receive a delivery, forward a parcel to your address abroad, or drop something off at a courier point. Your Warsaw hands when you need them.
🔨
Contractor Supervision
from 149 PLN
Work being done in your apartment while you're away? I meet the contractor, supervise the job, and report back with photos and video.
🏦
Bank & Office Errands
from 79 PLN
Submitting a form at the bank, collecting a document, checking on a status in person — small tasks that are easy locally but impossible when you're abroad.

Something else? Just ask.

Don't see what you need. Describe your situation — most reasonable Warsaw tasks, I can handle.

Write to me →

Not sure where to start? Get a free consultation.

15 minutes, no commitment. We'll tell you exactly what you need and how we can help.

Book Free Call →
🇵🇱 Updated for 2025/2026 · Polish Deal

Polish Salary Calculator 2025/2026
UoP vs B2B vs Zlecenie — real numbers

Enter your gross salary or B2B rate and see exactly where your money goes — every ZUS contribution, every deduction, explained in English. Rates updated for 2025/2026.

PLN
Quick pick 10 000 PLN
050k100k150k
Commuter deduction
300 PLN/month instead of 250 — if you live outside Warsaw
Mid-year join (before July)
Affects annual free amount calculations
Under 26 — ZIT relief
No income tax up to 85,528 PLN/year
UoP = Umowa o Pracę — standard employment contract. Your employer pays you a gross salary. ZUS and tax are deducted at source. PIT thresholds 2025/2026: 12% up to 120,000 PLN/year, 32% above. Free amount: 30,000 PLN/year. You pay part of ZUS; your employer pays another part on top.
Your monthly take-home
0 PLN
— net (netto)
0 PLN
Total deductions
0%
Effective tax rate
0 PLN
Annual net (est.)
0 PLN
Annual gross
Full breakdown employee view
Gross salary
brutto
0 PLN
🔴 Employee ZUS contributions
Pension (emerytalne)
9.76% of gross
− 0 PLN
Disability (rentowe)
1.5% of gross
− 0 PLN
Sickness (chorobowe)
2.45% of gross
− 0 PLN
Total employee ZUS
− 0 PLN
🔴 Health insurance (NFZ)
Health contribution
9% of (gross − employee ZUS) · not tax-deductible since 2022
− 0 PLN
🔴 Income tax (PIT)
Tax base
gross − ZUS employee − kosztyu uzyskania (250/300 PLN)
0 PLN
Tax before relief
12% up to 120 000 PLN/year · 32% above (unchanged 2025/2026)
− 0 PLN
Tax-free allowance relief
300 PLN/month tax relief (30 000 PLN/year free amount — unchanged in 2025/2026)
+ 0 PLN
Income tax payable
− 0 PLN
Net salary (netto)
0 PLN
💼 What your employer actually pays
0 PLN / month
Your gross salary0 PLN
Pension (emerytalne) — 9.76%0 PLN
Disability (rentowe) — 6.5%0 PLN
Accident insurance (wypadkowe) — 1.67%0 PLN
Labour Fund (FP) — 2.45%0 PLN
FGŚP — 0.10%0 PLN

Disclaimer: This calculator provides estimates for informational purposes only and does not constitute tax or legal advice. Polish tax law changes frequently — always verify with a certified accountant (doradca podatkowy) before making financial decisions. WarsawExpatHub accepts no liability for decisions made based on these calculations. ZUS rates reflect 2025/2026 figures (standard ZUS ~1 774 PLN/mo in 2025, ~1 927 PLN/mo in 2026; preferential ~443/~465 PLN/mo). Health contribution rules follow the Polish Deal as amended. PIT thresholds (12%/32%) and free amount (30,000 PLN/year) unchanged. Rates update annually — always verify with a certified accountant. Book a free consultation →

Free downloads · No signup

Step-by-step guides
+ printable checklists

Pick your situation below. See exactly what happens at each step — what I do, what you need to do. Then download the full document checklist as a PDF to print or share with your employer.

What do you need help with?
👆 Select a topic above to see the step-by-step process
PDF checklist will appear here
About me
Warsaw Expat Hub — founder
⚖️ Legal background · Expat · Warsaw insider

I moved to Warsaw.
Then I helped friends.
Then it became a business.

I'm Nick (Nikita Konovalov) — a lawyer by training — with years of experience in immigration, contracts, and the kind of bureaucratic detail that turns a simple form into a 3-hour nightmare if you don't know what you're doing. I moved to Warsaw as an expat myself, went through the karta pobytu queue, registered a JDG, opened a Polish bank account without PESEL, and figured out ZUS the hard way.

I started helping friends navigate all of this in English. Then friends of friends. Then strangers from expat Facebook groups. After dozens of cases I realised there was a real gap — people needed a trusted person, not another agency. Someone who'd been through it, who understands documents and deadlines, and who would tell them the truth upfront — including when they actually need a licensed specialist.

My legal background means I know what matters and what doesn't in a Urząd application. But this is a solo operation — which means you talk to me directly, always. No junior staff, no call centres.

⚖️
Legal background
Law degree + years of practical immigration and business law experience. I know how the system works — and how to work with it.
🗺️
Warsaw insider
I know which Urzędy have shorter queues, which banks are expat-friendly, which neighbourhoods suit different lifestyles. Real local knowledge.
🤝
One person, fully accountable
You're not a ticket in a queue. If something goes wrong or you have a question at 9pm, you message me directly. That's the deal.
Free Guides · No signup required

Just useful stuff,
for free.

I publish honest, practical guides based on real questions from real expats. No fluff, no upselling. If you can figure it out yourself from reading this — great. If you want help — I'm here.

📋
Residency

Karta Pobytu in Warsaw 2026: the complete guide

MOS is mandatory. New Blue Card threshold: 13,355 PLN. Step-by-step process, fees, and why applications get rejected. Updated Feb 2026.

Read free guide →
COMING SOON
💼
Business

JDG in Poland: step-by-step for foreigners (2025)

How to register your sole proprietorship on biznes.gov.pl without speaking Polish. Which PKD codes to pick. What ZUS options you have.

Read free guide →
COMING SOON
🏦
Banking

Which Polish bank will actually open an account for you

mBank, Santander, PKO — which ones accept foreigners, what documents they require, and insider tips to avoid rejections.

Read free guide →
COMING SOON
💰
Taxes

UoP vs B2B: real numbers for a 15,000 zł salary

Stop guessing. Here's the actual math on take-home pay, ZUS options, and which regime makes sense for your situation.

Read free guide →
COMING SOON
🏠
Housing

Renting a flat in Warsaw as a foreigner: what to watch out for

Red flags in rental contracts, how to negotiate, neighbourhoods explained, and why meldunek matters more than you think.

Read free guide →
COMING SOON
🪪
Admin

PESEL + Profil Zaufany: your gateway to Polish bureaucracy

Why you need these, how to get them, and how they unlock everything else — banking, ZUS, government portals.

Read free guide →
📬

New guide every 2 weeks

I write about real situations I see with clients. Join the Telegram channel to get new guides as I publish them — no spam, no newsletter, just useful updates.

News & Updates · No signup required

From the field,
in plain English.

Short reads on what's changing in Polish bureaucracy, real stories from clients, and things worth knowing if you live in Warsaw as a foreigner.

✍️

First posts coming soon

Follow the Telegram channel to get notified when new articles drop — no spam, just useful updates.

Follow on Telegram

Ready to sort your life
in Warsaw?

Book a free 15-minute call. No commitment, no jargon — just honest advice.

WhatsApp Telegram 📧 Email me
🔨

Section coming soon

Full content launching shortly. Follow us on Telegram for updates.

Get notified on Telegram →
Why people choose me over agencies

Small is a feature,
not a bug.

Personal attention

You talk to me, not a call centre

When you message me, I reply — not a junior assistant reading from a script. I know your situation, remember your documents, and actually care whether you get approved.

→ Direct WhatsApp/Telegram access, always
Honest about limits

I won't take money for cases I can't win

If your case needs a licensed attorney, I'll tell you honestly and connect you with the right specialist. No upselling, no false promises, no wasted money.

→ Straight assessment at first call — free
More than paperwork

More than just paperwork

Need a flat, a bank account, a good neighbourhood? Confused about how things work here? I've been through all of it as an expat myself. I can help beyond the documents.

→ From docs to daily life — I've got you
💰

Pricing — coming soon

Packages and pricing are being finalised.

Get notified on Telegram →
📅

Booking — coming soon

Online booking is being set up. For now, reach out via WhatsApp or Telegram.

Get notified on Telegram →
Transparent pricing · All prices in PLN

Choose your package.

Quick Start
199
Just arrived and need clarity on what to do first.
  • 45-min onboarding call
  • Personalised document checklist
  • 3 days WhatsApp support
Book →
Family Package
1199
Residency support for you and your spouse or family member.
  • Everything in Residency Assist
  • Spouse / partner included
  • Family reunification guidance
  • 1 month chat support
Book →
Tax Consultation
199
1-hour session with our accountant. UoP vs B2B, ZUS, PIT explained.
  • 60 min with certified accountant
  • UoP vs B2B comparison
  • Tax regime recommendation
  • Written summary via email
Book →
Ongoing Accounting
399/mo
Monthly bookkeeping and ZUS filings via our accountant partner.
  • Monthly PIT/ZUS filings
  • Invoice tracking
  • Tax deadline reminders
  • Email Q&A support
Enquire →
Soft Landing
1749
Residency + Business combined. The essentials to get started in Warsaw.
  • Karta pobytu support
  • JDG registration
  • Bank account help
  • Tax consultation (1h)
  • Save zł249 vs. separate
Book →
Corporate Relocation
On
request
For companies relocating staff to Warsaw. B2B invoice available.
  • Team residency processing
  • HR department liaison
  • Business setup for employees
  • B2B contract available
Contact me →

Testimonials — coming soon

Collecting reviews from first clients.

Get notified on Telegram →
Client Stories

Real results for real people.

★★★★★

"I was completely lost with the karta pobytu process. Warsaw Expat Hub walked me through every step — approved in 6 weeks. Couldn't have done it without them."

J
James R.
Software Engineer · UK
★★★★★

"Setting up my freelance business seemed so complicated. They registered my JDG, helped with the bank account, and connected me with an accountant — all in one week."

P
Priya K.
Consultant · India
★★★★★

"The tax calculator saved me hours of confusion. The accountant session explained everything in plain English. 100% worth every złoty."

M
Marcus T.
Product Manager · USA