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.
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.
Don't see what you need. Describe your situation — most reasonable Warsaw tasks, I can handle.
15 minutes, no commitment. We'll tell you exactly what you need and how we can help.
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.
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 →
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.
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.
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.
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.
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.
Follow the Telegram channel to get notified when new articles drop — no spam, just useful updates.
Follow on TelegramWhen 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.
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.
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.
"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."
"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."
"The tax calculator saved me hours of confusion. The accountant session explained everything in plain English. 100% worth every złoty."