Poland
Poland salary 2026 (UoP)
Polish employment 2026: social and health contributions, PIT 12%/32%, PPK and employer cost.
Open calculatorPPK retirement savings (Poland)
A Polish PPK account receives three streams: employee contributions (basic 2% of gross pay, reducible to 0.5–2% only when pay is at most 120% of the minimum wage, plus a voluntary additional contribution of up to 2%), the employer contribution (basic 1.5% plus up to 2.5% voluntary) and state payments: a 250 zł welcome payment after 3 months of participation and a 240 zł annual top-up for every calendar year in which employee and employer contributions reached at least 3.5% of six minimum monthly wages (25% of that amount when the employee's basic contribution is reduced). The calculator simulates contributions month by month, compounds them at your chosen annual fund return and adds state payments when they are earned.
The base for PPK contributions, i.e. pay subject to pension and disability insurance. Up to 5,767.20 zł you may reduce the basic employee contribution below 2%.
zł
2% of gross pay by law. Only when pay is at most 5,767.20 zł may you reduce it to 0.5–2%; the annual top-up threshold then drops to 252.32 zł. Deducted from your net salary.
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Voluntary contribution from 0% to 2% of gross pay on top of the basic one. It counts towards the annual top-up threshold but does not change whether your basic contribution is reduced.
%
Basic (1.5%) plus voluntary (up to 2.5%) contribution, so 1.5% to 4% of gross pay. Paid by the employer on top of your salary.
%
Fractions are allowed, e.g. 2.5 years means 30 months of contributions. The annual top-up is counted only for full calendar years of saving.
Nominal annual return of the target-date fund, compounded monthly. Fund results are not guaranteed; 0% shows contributions only.
%
Projected PPK balance
46,921 zł
Total monthly contribution (you + employer)
280.00 zł
Your monthly contribution (basic + additional)
160.00 zł
Employer monthly contribution
120.00 zł
Contribution period
120 months (10 full years)
State welcome payment
250 zł
State annual top-ups
10 × 240 zł = 2,400 zł
Total state payments
2,650 zł
First-year total (incl. state payments)
3,850 zł
Total contributions (excluding investment growth)
36,250 zł
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Assumptions: saving starts in January and salary and rates stay constant. The 250 zł welcome payment is credited after 3 months of contributions. The 240 zł annual top-up is added at the end of each full year in which your and your employer's contributions reached at least 1,009.26 zł (3.5% × 6 × the 2026 minimum wage of 4,806 zł; 252.32 zł with a basic contribution below 2%). The 2026 threshold is applied to every year; no top-up is counted for a trailing partial year.
The employer's PPK contribution counts as taxable employee income (PIT is withheld from your regular salary). The result ignores fund fees and the capital gains tax on withdrawals before age 60.
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Educational estimate only. Not medical, tax, legal or financial advice.