Estimate your monthly net salary in Poland
How Polish salary taxation works
If you work in Poland on an employment contract (umowa o pracę), your gross salary is reduced by several mandatory components before you receive your take-home pay. The largest parts are social insurance contributions, health insurance, and personal income tax (PIT). This calculator helps you quickly estimate your monthly net salary from gross earnings.
1) Social insurance (ZUS) paid by the employee
Employee social insurance usually includes:
- Retirement (emerytalna): 9.76%
- Disability (rentowa): 1.5%
- Sickness (chorobowa): 2.45%
Together this is 13.71% of gross salary for standard payroll scenarios.
2) Health contribution
Health insurance is calculated on salary after employee social contributions. The common payroll estimate uses 9% of that base.
3) PIT income tax
In simplified form, PIT is progressive: 12% in the lower bracket and 32% above the threshold. In many payroll simulations, annual tax is estimated using the standard structure with the 120,000 PLN threshold. Monthly withholding can also depend on whether PIT-2 is filed with your employer.
What this calculator includes
- Gross-to-net estimate for monthly salary
- Employee ZUS contributions
- Health contribution estimate
- PIT estimate with optional PIT-2 monthly reduction
- Optional employee PPK percentage deduction
- Estimated employer total cost (using a typical 20.48% add-on)
How to use it effectively
Step-by-step
- Enter your monthly gross salary in PLN.
- Choose your monthly KUP amount (250 or 300 PLN).
- Add your PPK employee rate if applicable (for example 2%).
- Leave PIT-2 checked if your employer applies the monthly tax reduction.
- Check Under 26 only if your conditions for tax relief are met.
- Click Calculate Salary to see a full breakdown.
Why salary estimates can differ from your payslip
Real payroll can vary due to bonuses, overtime, sick leave, non-standard benefits, multiple employment relationships, specific tax reliefs, and exact rounding rules used in payroll software. This page is designed for planning and budgeting, not as a legally binding tax statement.
Quick planning tips
- Compare job offers using both gross and estimated net values.
- Track the effect of PPK and voluntary deductions on take-home pay.
- Model salary increases to see when higher PIT brackets may start affecting net income.
- Use annual net estimates for savings goals and household budgeting.
FAQ
Is this only for employment contracts?
Yes—this version is tailored to a standard umowa o pracę style estimate. Civil contracts and B2B settlements have different rules.
Does PIT-2 change annual tax liability?
PIT-2 mainly changes monthly withholding. The annual tax settlement can rebalance differences through your tax return.
Can I use this for official tax filing?
No. Use this as an educational and planning tool. For official settlements, rely on payroll documents and professional advice.