Take-Home Index

Poland tax calculator

Poland applies progressive income tax up to 32%. Enter a gross salary in PLN to see what reaches your account.

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How Poland taxes a salary

  1. ZUS: emerytalna i rentowa The 30-krotność cap for 2026 is 282,600 PLN, being thirty times the 9,420 PLN projected average monthly wage. Several published calculators still serve 260,190 or 258,652 PLN, which are earlier years. Above the cap these two contributions stop entirely, so monthly net rises sharply for high earners late in the year.
  2. ZUS: chorobowa Sickness insurance. Not subject to the 30-krotność cap, so it continues on the full salary all year.
  3. Składka zdrowotna Health insurance at 9%, charged on gross less the employee social contributions. Placed before the employment-cost allowance deliberately, so its base is gross minus social only. Since the 2022 Polski Ład reform this is NOT deductible against income tax, which is the single largest thing calculators get wrong about Polish take-home.
  4. Koszty uzyskania przychodu Standard employment cost allowance, 250 PLN a month for an employee working in their place of residence. Rises to 300 PLN a month for those commuting from another locality, which is not modelled.
  5. Podatek dochodowy (PIT) 12% to 120,000 PLN of taxable income, 32% above. Poland rounds the final tax to whole złoty, which is not modelled here.
  6. Kwota zmniejszająca podatek A tax-reducing amount of 3,600 PLN rather than an exempt band. It produces the widely quoted 30,000 PLN tax-free threshold, since 30,000 x 12% = 3,600. Modelled as a credit because that is how the statute applies it.
  7. Danina solidarnościowa Solidarity levy of 4% on income above 1,000,000 PLN, charged only on the excess.

Source

Checked against Zakład Ubezpieczeń Społecznych and Ministerstwo Finansów on 2026-08-17. ZUS contribution rates 2026; skala podatkowa 2026; 30-krotność cap per Obwieszczenie MRPiPS of 19 November 2025. View the authority's own page.

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