πŸ‡΅πŸ‡± Updated for 2025/2026 Β· Polish Deal

Polish Salary Calculator 2025/2026
UoP vs B2B β€” real numbers

Enter your gross salary or B2B rate and see exactly where your money goes β€” every contribution, every deduction, explained in English.

PLN
Quick pick 10 000 PLN
050k100k150k
Commuter deduction
300 PLN/month instead of 250 β€” if you live outside Warsaw
Mid-year join (before July)
Affects annual free amount calculations
Under 26 β€” ZIT relief
No income tax up to 85,528 PLN/year
UoP = Umowa o PracΔ™ β€” standard employment contract. Your employer pays you a gross salary. ZUS and tax are deducted at source. You pay part of ZUS; your employer pays another part on top.
Your monthly take-home
0 PLN
β€” 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
πŸ”΄ Employee ZUS contributions
Pension (emerytalne)
9.76% of gross
βˆ’ 0 PLN
Disability (rentowe)
1.5% of gross
βˆ’ 0 PLN
Sickness (chorobowe)
2.45% of gross
βˆ’ 0 PLN
Total employee ZUS
βˆ’ 0 PLN
πŸ”΄ Health insurance (NFZ)
Health contribution
9% of (gross βˆ’ employee ZUS) Β· not tax-deductible since 2022
βˆ’ 0 PLN
πŸ”΄ Income tax (PIT)
Tax base
gross βˆ’ ZUS employee βˆ’ kosztyu uzyskania (250/300 PLN)
0 PLN
Tax before relief
12% (threshold: 120 000 PLN/year)
βˆ’ 0 PLN
Tax-free allowance relief
300 PLN/month (30 000 PLN/year free amount)
+ 0 PLN
Income tax payable
βˆ’ 0 PLN
Net salary (netto)
0 PLN
πŸ’Ό What your employer actually pays
0 PLN / month
Your gross salary0 PLN
Pension (emerytalne) β€” 9.76%0 PLN
Disability (rentowe) β€” 6.5%0 PLN
Accident insurance (wypadkowe) β€” 1.67%0 PLN
Labour Fund (FP) β€” 2.45%0 PLN
FGŚP β€” 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 β€” 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; health contribution rules follow the Polish Deal (Nowy Ład). Get a real consultation β†’