Take-home pay in Poland
Net in your account
zł 7,147a month
zł 85,763 a year
from zł 120,000 gross
What happens to your zł 120,000?
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Full calculation and sources
- Gross salaryzł 120,000
Tax & contributions− zł 22,525
- After tax & contributionszł 97,475
Mandatory pension− zł 11,712
- Net in your accountzł 85,763
The answer rests on
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What this calculator measures
The figure is what reaches your account after the three ZUS social insurance contributions, the health contribution and PIT, on the annual gross you enter. Polish pay is quoted monthly, so multiply your monthly brutto by twelve. The calculator assumes you are 26 or over, have filed the PIT-2 form so the monthly tax reduction applies, and live in the town you work in. It is checked only in a narrow band of salaries, and the page says so.
What you receive now, and what accrues
The pension contribution (składka emerytalna) is recorded on your own account at ZUS and grows your future pension, so it appears as pension accruing, beside the figure and never inside it. The disability and sickness contributions insure you now and accrue nothing. If you take part in PPK, your contribution and your employer's accrue too.
What this result assumes
- Single, no dependants, filing alone
- Resident in Poland for the whole year
- Aged 26 or over
- PIT-2 filed, so the monthly tax reduction is applied
- Living in the town you work in, so standard employment costs
What this model does not cover (13)
- THE COVERED RANGE IS TWO SALARIES WIDE, and that is the honest width. 4 806 zl and 3 500 zl a month are the only salaries any Polish authority has ever worked through, and both sit deep in the 12 pct. band. Above 57 672 zl a year NOTHING is checked: not the 120 000 zl threshold, not the 32 pct. band, not the 10 800 zl constant that already contains the kwota zmniejszajaca, not the ZUS cap at 282 600 zl, not the danina solidarnosciowa. Those are the parts of the calculation most likely to be wrong and none of them has an oracle.
- The check is not the tax authority's. Ministerstwo Finansow and KAS publish broszury and objasnienia full of procedural examples and not one zloty figure for a payslip; the PIT-2 poradnik and the Przewodnik po PIT-2 give rules only; the Niskie Podatki materials are gone from podatki.gov.pl and give salary bands rather than a computed payslip. ZUS's only worked table is for the SELF-EMPLOYED at 60 pct. of the forecast average wage, on combined rather than employee rates, and checks no employee line.
- There is no authority calculator to collect from, and this was established rather than assumed. The Ministry of Finance ran one at niskiepodatki-kalkulator.mf.gov.pl; it was built to compare 2021 rules with 2022 rules under Polski Lad, its last successful capture is 2 April 2023, and the host now accepts a connection and resets it. wiecejwportfelach.gov.pl is NXDOMAIN. The whole gov.pl service catalogue returns one calculator, for a KRUS widow's pension. Twoj e-PIT sits behind Profil Zaufany. Every working Polish salary calculator is commercial and is therefore barred by non-negotiable 1e.
- The annual PIT figure is NOT checked end to end, deliberately. The biznes.gov.pl example computes a monthly zaliczka, and Ordynacja art. 63 par. 1 rounds it to a whole zloty every month: 12 pct. x 3 897 - 300 = 167,64 rounds UP to 168 twelve times, overshooting the annual liability by 4,32 zl, which the taxpayer gets back on the return. Twelve times a rounded monthly withholding is a different quantity from an annual liability, so those two cases were dropped rather than admitted on a tolerance wide enough to hide the difference. The 2023 example's PIT IS compared, because that source omitted both roundings and its figure lands within 0,04 zl of the annual liability.
- PPK is not exercised by any case. The 2 pct. and 1,5 pct. rates are sourced to the statute and the asymmetry between them is unit-tested, but no Polish authority publishes a zloty figure for either wplata, so nothing outside this repository checks them.
- Ulga dla mlodych (PIT art. 21 ust. 1 pkt 148): under 26 pays no PIT on the first 85 528 zl while still paying full ZUS and the full 9 pct. The engine has no date of birth, so for an under-26 this figure is materially too high.
- Rounding of ZUS and the health contribution to the grosz is NOT SOURCED. Ordynacja art. 63 par. 1 rounds podatki to the zloty and is applied; it is expressly not about skladki, and the contribution rule lives in a rozporzadzenie on ZUS settlement documents that was not located. Both worked examples round to the grosz, which is why the contribution tolerances are 0,02 to 0,15 zl rather than exact.
- The health floor of art. 83 of the health act, which caps the monthly contribution at the zaliczka the PIT act as it stood on 31 December 2021 would have produced. It stops biting at roughly 15 000 zl a year, below the covered range.
- Joint assessment with a spouse (art. 6), the child credit, and every other family circumstance. Single filers only.
- Out-of-town koszty uzyskania (300 / 3 600 zl) and the multi-employer amounts (4 500 / 5 400 zl): all depend on facts the engine does not ask for.
- Employer social contributions - the employer's 9,76 pct. emerytalna, 6,5 pct. rentowa, wypadkowe, Fundusz Pracy and FGSP. They never touch net pay, and no country here models the employer side of social insurance.
- IKZE, IKE and union dues; umowa zlecenie, umowa o dzielo, 50 pct. koszty autorskie and dzialalnosc gospodarcza. A single full-year umowa o prace only.
- Pension contributions are modelled but no case exercises one, so coversPension is false.
Sources for Poland
The rules this page is built from, at the bodies that set them. Every figure in the breakdown above also opens its own source.
How this is worked out
Why is the health contribution not deducted from tax?
Because it no longer is. The health contribution is charged on your pay after social insurance, and since the recent reforms none of it reduces your income tax.
What is PPK?
Pracownicze Plany Kapitałowe, the employee capital plan. Employers enrol staff automatically; both you and the employer contribute, and you can opt out. Turn it on or off on the page.
Why does the page say it is checked only in a narrow band?
Because the only official worked examples available cover two salaries. Every rate is sourced from the statute, but only those salaries have been checked against a published result, and the page is honest about that.
Is the monthly figure a payslip prediction?
It is one twelfth of the annual net amount. Actual monthly payroll can vary with holiday allowance, bonuses and withholding rounding.
Does the city change the tax?
It depends on the country. Where a region, canton or municipality sets part of the income tax, the place you choose changes the result, and the picker offers those places for that reason. Where income tax is set nationally, the city makes no difference to the payroll figure.
Can I use this for self-employment or part-year residence?
Those cases are not modelled. The answer assumes an employee resident for the whole year, and each country's page lists the rest of what it assumes.
Found something wrong?
Tell us which number and we will check it against the source.