Poland
G11/G12 energy tariffs, employment and B2B pay, 800+ and Polish tax accounts.
29 calculators
Open calculatorDo the maths before you decide.
Mortgages, pay, energy bills and health. Enter your own numbers, the result is worked out in your browser, and you can see where it came from.
For example:8500 grossBMI 82 kg 178 cm23% of 1200
Common questions
Money and tax
VAT, savings, inflation and the household budget.
All in this topic: 37Home and mortgage
Monthly payment, buying costs, renting or buying.
All in this topic: 24Energy and solar
Solar payback, heat pumps and energy bills.
All in this topic: 20Health
BMI, daily calories, blood alcohol and training.
All in this topic: 24
Most popular
All calculators- PV kit configuratorGross kit cost
- E-commerce & Marketplace Profit Margin CalculatorProfit and margin per unit
- Household budgetWhat's left each month
- MortgagePayment and loan cost
- Rent vs buyCompare costs
- Compound interestSavings growth
- Emergency fundEmergency fund target
- Solar PV paybackSolar payback
- Heat pump vs gas boilerHeating costs
- CaloriesDaily energy needs
- Breathalyzer (Widmark BAC)BAC and time to sober
- Alcohol Units and GramsGrams and units of alcohol
How we calculate
- In your browser
- No account. Results and history stay on this device by default.
- 127 calculators
- Each one explains its result, in English, Polish and German.
- Rates from the source
- Polish taxes, energy tariffs and inflation follow podatki.gov.pl, ure.gov.pl, stat.gov.pl. Last checked 16 October 2026.
- What's new
- Version 0.181.0, 9 November 2026. In the BMI, VAT, mortgage and FIRE number calculators a required field left empty stays empty and waits for a value instead of showing a result from a default, and the mortgage sensitivity panel disappears until the fields are filled in. All changes
By country
Language is not a country. Polish G11 tariffs, payroll and tax rules sit under Poland’s flag rather than cluttering the general English catalogue.
What do you want to calculate?
Choose a goal, then the calculator that answers your question.
Heating costs
- Heating fuel comparison
Compare fuel costs for a building’s heat demand.
- Heat pump vs gas boiler
Compare a heat pump with a gas boiler.
Electricity costs
- Electricity bill (G11 / G12)
Estimate a bill from consumption and prices you enter.
- G11 vs G12 tariff comparison
Compare annual Polish G11 and G12 tariff costs.
- Appliance electricity cost
Calculate electricity costs for one appliance.
Pay and work arrangements in Poland
- Poland salary 2026 (UoP)
Calculate net pay for a Polish employment contract.
- UoP vs Mandate vs B2B (Poland)
Compare employment, mandate and self-employment in Poland.
Buying a home
- Mortgage
Estimate mortgage payments and interest.
- Home purchase costs (Poland)
Estimate additional purchase costs in Poland.
- Rent vs buy
Compare renting and buying costs.
BMI
Body mass index from weight and height, using the standard WHO categories for adults.
Open calculatorBody fat
Body-fat percentage using the US Navy circumference method — a tape-measure estimate, not a DEXA scan.
Open calculatorCalories
Basal metabolic rate (BMR) from the Mifflin–St Jeor equation and total daily energy expenditure (TDEE) by activity level.
Open calculatorIdeal weight (Devine)
Calculate reference body weight from sex and height using the clinical Devine formula.
Open calculatorDaily water intake
Estimate daily fluid intake in litres from your body weight and minutes of physical activity.
Open calculatorMacronutrients (Protein, Carbs, Fat)
Split your daily calorie target into exact grams of protein, carbohydrates and dietary fat.
Open calculatorWaist-to-hip ratio (WHR)
Calculate your waist-to-hip ratio (WHR) from simple tape-measure readings.
Open calculatorWeight-change timeline
Estimate how many weeks and days it takes to reach your target weight from a daily calorie deficit or surplus (at 7,700 kcal per kg).
Open calculatorSteps to distance & calories
Convert your step count into kilometres walked and estimated calories burned based on height and weight.
Open calculatorRunning pace
Calculate your pace per kilometre (min/km) and average speed (km/h) from distance and finish time.
Open calculatorRace predictor
Predict finish times for 5 km, 10 km, the half marathon and the marathon from a distance you have already raced.
Open calculatorOne-rep max (1RM)
Estimate your maximum one-repetition lift (1RM) from a submaximal working set using the Epley equation.
Open calculatorHeart-rate zones (Karvonen)
Calculate your 5 Karvonen training heart-rate zones from age and resting heart rate.
Open calculatorVO2 max (Cooper test)
Estimate your maximal oxygen uptake (VO2 max) from the distance covered in a 12-minute Cooper run test.
Open calculatorSleep cycles
Find optimal wake-up times or bedtimes based on 90-minute sleep cycles plus the time you need to fall asleep.
Open calculatorSleep debt
Calculate how many hours of sleep you are short of your personal target across a run of nights.
Open calculatorCaffeine remaining
Estimate how many milligrams of caffeine remain active in your body after a chosen number of hours.
Open calculatorIntermittent fasting window
Calculate your fasting hours and eating window from the clock times of your last and first meals.
Open calculatorFFMI (Fat-Free Mass Index)
Calculate your lean body mass (LBM) and fat-free mass index (FFMI) from weight, height and body-fat percentage.
Open calculatorDaily protein target
Calculate your daily protein target in grams from body weight and your chosen grams-per-kilogram multiplier.
Open calculatorMax heart rate (HRmax)
Estimate your maximum heart rate (HRmax) from age using the classic Fox formula (220 − age) and the Tanaka equation.
Open calculatorBody surface area (BSA)
Calculate body surface area (BSA) in square metres from height and weight using the Mosteller formula.
Open calculatorOvulation & fertile window
Estimate your ovulation date, fertile window and potential due date from the first day of your last period and cycle length.
Open calculatorPregnancy & due date
Calculate your estimated due date (EDD), current gestational age in weeks and days, and trimester from your last period.
Open calculatorVAT
Add or extract VAT. Works with 23% in Poland, 19% in Germany, 20% in the UK, or any custom rate.
Open calculatorTip
Calculate a tip from the bill amount and chosen percentage, then split the total equally between people.
Open calculatorSplit a bill
Split a bill (and optional tip) across any number of people so the individual shares add back to the exact total.
Open calculatorDiscount
Enter the original price and discount percentage to see the final sale price and exact savings.
Open calculatorMargin and markup
Calculate unit profit, gross profit margin (%) and markup (%) from unit cost and selling price.
Open calculatorBreak-even point
Calculate how many units you need to sell and what revenue is required to cover your fixed costs.
Open calculatorE-commerce & Marketplace Profit Margin Calculator
Estimate unit net profit, actual net margin, operational markup, and break-even price including marketplace fees, payment gateways, shipping, and taxes.
Open calculatorLoan overpayment
Fixed-rate loan amortisation. See how much time and total interest you save by paying extra each month.
Open calculatorDebt payoff timeline
Calculate how many months and how much total interest it will take to pay off a balance at a fixed APR and monthly payment.
Open calculatorDebt payoff strategy
List your debts (card, loan, instalments) and a monthly budget — see which payoff order costs less interest and which clears a debt sooner.
Open calculatorHousehold budget
Find out what is left each month, balance your spending with the 50/30/20 rule and trace your money flow from paychecks to savings.
Open calculatorMortgage
Calculate monthly mortgage payments, loan-to-value (LTV) and total interest for equal (annuity) or declining instalments.
Open calculatorRent vs buy
Compare total cash spent on a mortgage and home ownership against renting and investing your down payment over a chosen horizon.
Open calculatorRental yield
Calculate annual gross and net rental yield from property purchase price, monthly rent, vacancy rate and running costs.
Open calculatorProperty sale tax
See whether the sale is exempt, the gain, the taxable part after a housing expense, the tax and the net amount.
Open calculatorPolish inheritance and gift tax
Check the tax group, whether the close-family exemption applies, the tax-free amount, bracket tax and the filing deadline.
Open calculatorBuying power (Poland CPI)
Convert an amount of money between years using the average annual Polish CPI (GUS) or your own custom annual rate.
Open calculatorFuture price (Inflation)
Project what today’s price or expense will grow to after N years at a constant annual inflation rate.
Open calculatorCompound interest
Future value of a starting lump sum plus optional monthly contributions with compound growth.
Open calculatorInvestment fees impact
Compare two management fee levels and see how much capital and profit fees take over the long run.
Open calculatorCAGR (Compound Annual Growth)
Calculate the steady compound annual growth rate (CAGR) that takes a starting value to an ending value over N years.
Open calculatorROI (Return on Investment)
Calculate total percentage return on investment (ROI) and the annualised return over your holding period.
Open calculatorSimple payback period
Calculate how many years it takes for an annual saving or cash inflow to pay back an upfront investment.
Open calculatorSavings goal timeline
Calculate how many months and years of regular monthly saving it takes to reach your target pot (with optional interest).
Open calculatorSavings rate
Calculate what percentage of your monthly take-home income you set aside and your total annual savings.
Open calculatorEmergency fund
Calculate your target emergency cash buffer from essential monthly expenses and see how many months it will take to build.
Open calculatorFIRE number
Calculate your target financial-independence portfolio from annual spending and safe withdrawal rate, plus years to reach it.
Open calculatorDividend yield & income
Calculate dividend yield (%) and annual gross dividend cashflow from share price, annual dividend per share and share count.
Open calculatorSubscriptions tracker
Add up your recurring subscriptions (Netflix, Spotify, YouTube, cloud storage, AI tools and custom plans) to see your monthly and yearly total.
Open calculatorAI Subscriptions
Compare and sum costs for ChatGPT, Claude, Gemini, xAI Grok and developer AI tools.
Open calculatorCost of raising a child
Estimate cumulative spending on raising a child from average monthly expenses and number of years.
Open calculatorStatutory interest (Poland)
Calculate Polish statutory capital interest, late-payment interest, or commercial B2B late-payment interest from the NBP reference rate.
Open calculatorRule of 72
Estimate how many years it takes for a lump sum to double at a constant annual rate of return.
Open calculatorReal rate of return
Calculate your true inflation-adjusted annual return from a nominal return and inflation rate.
Open calculatorNPV (Net Present Value)
Calculate the net present value (NPV) of a constant annual cash inflow minus an upfront capital outlay.
Open calculatorAnnuity payout / loan payment
Calculate the fixed monthly payout (or loan payment) that brings a balance to zero over N years at a constant interest rate.
Open calculatorEffective annual rate (EAR)
Convert a nominal annual interest rate into the effective annual rate (EAR) based on compounding frequency.
Open calculatorHourly & daily invoice
Calculate net, VAT and gross invoice totals from daily hours, hourly rate and billable days.
Open calculatorHourly ↔ annual pay
Convert an annual salary into an hourly rate (or an hourly rate into annual pay) from weekly hours and working weeks.
Open calculatorEffective hourly pay (incl. commute)
Divide your annual take-home pay by your combined work and commuting hours to see what your time actually earns.
Open calculatorHours in a work year
Calculate actual days and hours worked in a year (after subtracting holidays, leave and sick days) and your implied hourly pay.
Open calculatorRaise vs inflation
Compare a nominal salary raise against inflation to see your real purchasing-power change and the pay needed just to break even.
Open calculatorSolar PV yield
Estimate annual AC solar generation from system size, regional irradiation, and one or two roof orientations.
Open calculatorSolar PV sizing
Calculate what solar array size (kWp) and panel count you need to cover a chosen share of your annual electricity consumption.
Open calculatorSolar PV payback
Calculate the simple payback period from net installation cost, self-consumption share, and grid buy/sell rates.
Open calculatorPV kit configurator
Build a PV kit from panels, inverters, batteries, mounting and labour and estimate its cost.
Open calculatorHeat pump vs gas boiler
Estimate annual space-heating demand from floor area and insulation class, then compare heat-pump electricity cost (by SCOP) against a gas boiler.
Open calculatorAir-conditioning cooling load
Estimate required air-conditioner cooling capacity in watts and BTU/h from room floor area and thermal load per m².
Open calculatorHeating fuel comparison
Compare the annual cost of generating the same amount of useful heat across gas, pellets, coal, wood, heating oil, electric resistance and a heat pump.
Open calculatorDomestic hot water
Calculate thermal energy, electricity use and running cost to heat daily hot water by a chosen temperature rise.
Open calculatorHeat loss through a surface (U-value)
Calculate thermal energy lost (kWh) and heating cost through a wall, window or roof from its U-value, area and temperature difference.
Open calculatorGas bill
Convert gas meter readings from cubic metres (m³) into kilowatt-hours (kWh) and calculate your monthly bill including standing charges.
Open calculatorAppliance electricity cost
Calculate electricity consumption (kWh) and running cost for any appliance from its wattage and daily operating hours.
Open calculatorWater and sewage bill
Calculate your water and wastewater bill from meter consumption in cubic metres (m³) and local utility tariffs.
Open calculatorSeptic tank pump-out
Estimate daily wastewater inflow, how many days it takes to fill a holding tank, pump-outs per year and annual emptying cost.
Open calculatorRainwater tank
Work out how many litres of rain your roof collects, which tank size is enough and how much you save on water and sewage.
Open calculatorEV vs petrol running cost
Compare the cost per 100 km and annual energy bill for an electric car (home and public charging) against a petrol car.
Open calculatorEV charging time
Calculate how many hours it takes to charge an electric vehicle between two states of charge (SoC).
Open calculatorEV range (summer & winter)
Estimate real-world electric vehicle range from battery capacity and kWh/100 km consumption in normal and winter conditions.
Open calculatorStandby power cost
Calculate the annual energy use (kWh) and cost of electronics left on standby 24/7.
Open calculatorLED bulb swap savings
Calculate the kilowatt-hours and money saved by replacing old bulbs with LEDs.
Open calculatorHeating degree days (HDD)
Estimate seasonal space-heating energy from heating degree days (HDD) and your building’s heat-loss coefficient (UA).
Open calculatorPercentage
Calculate what x% of y is, what percentage a is of b, and the percentage change from A to B.
Open calculatorPercentage change
Calculate the percentage increase or decrease from a starting value to a new value.
Open calculatorTrigonometry (sin, cos, tan)
Calculate sine, cosine, tangent and radian measure for an angle in degrees.
Open calculatorPythagorean theorem
Enter any two sides of a right triangle and the calculator solves for the third side and triangle area.
Open calculatorQuadratic equation
Find the discriminant (Δ) and real roots (x₁, x₂) of a quadratic equation ax² + bx + c = 0.
Open calculatorLogarithm
Calculate log_b(x) for any valid base, alongside the natural logarithm (ln) and common base-10 logarithm (log₁₀).
Open calculatorCombinatorics (n!, nPr, nCr)
Calculate factorial (n!), permutations without repetition (nPr) and combinations (nCr) for whole numbers.
Open calculatorGCD and LCM
Find the greatest common divisor (GCD) and least common multiple (LCM) of two integers.
Open calculatorCircle area & circumference
Calculate diameter, circumference and area of a circle from its radius.
Open calculatorTriangle area (Heron’s formula)
Calculate the area and semi-perimeter of any valid triangle from the lengths of its three sides.
Open calculatorOhm’s law & electrical power
Enter any two of the four quantities (voltage, current, resistance, power) to calculate the remaining two values.
Open calculatorNewton’s second law (F = m·a)
Leave one of force, mass or acceleration empty to solve for the missing SI value.
Open calculatorKinetic & potential energy
Calculate translational kinetic energy and gravitational potential energy in joules (J).
Open calculatorFree fall
Starting from rest in a vacuum: enter either fall time or drop distance and leave the other field blank.
Open calculatorIdeal gas law (PV = nRT)
Leave one of pressure (P), volume (V), moles (n) or temperature (T) blank to solve the ideal gas equation.
Open calculatorWave speed (v = f · λ)
Leave one of wave speed, frequency or wavelength blank to calculate the missing value.
Open calculatorDensity, mass & volume
Leave one of mass, volume or density blank to solve ρ = m / V.
Open calculatorSnell’s law of refraction
Calculate the angle of refraction across an optical boundary (n₁, n₂) or check for total internal reflection.
Open calculatorThin-lens equation
Leave one of focal length (f), object distance (u) or image distance (v) blank to solve for the third value and magnification.
Open calculatorUnit converter
Weight, length, distance and temperature. Convert common metric and imperial units instantly.
Open calculatorCurrency
Euro, zloty, US dollar and other ECB currencies using the reference rate from the latest TARGET business day.
Open calculatorExact age
Calculate your exact chronological age today in full years, months and days from your date of birth.
Open calculatorDays between dates
Count calendar days, weeks and weekdays (Mon–Fri) between two dates, or add/subtract days from a start date.
Open calculatorHours & work time
Calculate hours and minutes between two clock times minus a break, or add minutes to a starting time.
Open calculatorPolish workdays
Count working days between two dates (excluding weekends and Polish public holidays) or add working days to a start date.
Open calculatorTrip fuel cost
Calculate fuel required in litres and total trip cost from distance, fuel consumption (L/100 km) and pump price.
Open calculatorCommute cost
Compare the monthly cost of driving to work (fuel and parking) against a monthly public-transit pass.
Open calculatorCar running cost (TCO)
Calculate the true annual car running cost and total car cost per year, month and kilometre (TCO), including depreciation, fuel, insurance and maintenance.
Open calculatorCar lease payment
Estimate a lease payment and total cost including buyout and fees. Enter your own terms or start from a documented offer and vehicle price on a selected date.
Open calculatorBreathalyzer (Widmark BAC)
Log drinks with clock times to estimate blood-alcohol concentration (‰) at a chosen readout hour using the Widmark model.
Open calculatorAlcohol Units and Grams
Calculate pure ethyl alcohol in grams, standard drinks (10 g), UK units, and alcohol calories.
Open calculatorDriving time
Calculate travel time in hours and minutes from trip distance and average speed.
Open calculatorMonthly fuel cost
Calculate how many litres of fuel you burn and your monthly pump bill from monthly mileage.
Open calculatorRecipe scaler
Scale an ingredient amount up or down from the recipe’s original yield to the number of servings you want.
Open calculatorUnit price comparison
Compare two pack sizes by price per unit (gram, millilitre or piece) and see which one is cheaper in percent.
Open calculatorWall paint needed
Calculate how many litres of paint you need from wall area, number of coats and tin coverage (m²/L).
Open calculatorFlooring & tile packs
Calculate how many packs of laminate, wood flooring or tiles to buy from room area, cutting waste and pack coverage.
Open calculatorDew point
Calculate the Magnus dew-point temperature from air temperature and relative humidity.
Open calculatorWind chill
Calculate how cold the air feels on exposed skin from air temperature and wind speed.
Open calculatorWallpaper rolls needed
Calculate how many wallpaper rolls to buy from wall perimeter, room height, roll dimensions and pattern-matching waste.
Open calculatorConcrete slab volume
Calculate cubic metres (m³) of concrete needed for a rectangular slab or screed, including a waste margin.
Open calculator