Salary after tax calculator for Poland
Enter a gross salary to see the income tax, social contributions and take-home pay a month. An estimate for a single person without children, not tax advice.
Example: 20,000 zł a month in Poland
- Take-home pay a month
- 12,562 zł
- After income tax and social contributions
- Take-home pay a year
- 150,746 zł
- After income tax and social contributions
- Total deductions
- 37.2%
- of your gross pay goes to tax and contributions
- If you earn 100 zł more
- 52 zł
- more take-home pay
Your deductions
| Item | Per year | Per month |
|---|---|---|
| Gross pay | 240,000 zł | 20,000 zł |
| Income tax (PIT)podatek dochodowy (PIT) | −37,711 zł | −3,143 zł |
| Pension insuranceskładka emerytalna | −23,424 zł | −1,952 zł |
| Disability insuranceskładka rentowa | −3,600 zł | −300 zł |
| Sickness insuranceskładka chorobowa | −5,880 zł | −490 zł |
| Health insuranceskładka zdrowotna | −18,639 zł | −1,553 zł |
| Total deductions | −89,254 zł | −7,438 zł |
| Take-home pay | 150,746 zł | 12,562 zł |
What your employer pays
| Contribution | Per year | Per month |
|---|---|---|
| Pension insuranceskładka emerytalna | 23,424 zł | 1,952 zł |
| Disability insuranceskładka rentowa | 15,600 zł | 1,300 zł |
| Accident insuranceskładka wypadkowa | 4,008 zł | 334 zł |
| Labour Fund and Solidarity FundFundusz Pracy i Fundusz Solidarnościowy | 5,880 zł | 490 zł |
| Guaranteed Employee Benefits FundFundusz Gwarantowanych Świadczeń Pracowniczych (FGŚP) | 240 zł | 20 zł |
| Total cost to the employer | 289,152 zł | 24,096 zł |
About this estimate (2026 rules, checked 15 October 2026)
Assumptions
- Employment contract (umowa o pracę) for the whole of 2026, paid in 12 equal monthly salaries
- Single, aged 26 or over (no youth relief), tax return filed alone
- Lives in the town where they work: standard employee costs of 250 zł a month (3,000 zł a year)
- Opted out of the PPK workplace pension plan
- No 50% author's-rights costs (autorskie koszty uzyskania przychodów)
- Income tax is the yearly tax settled in the PIT-37 return; the monthly advances withheld by the employer can differ by a few złoty
- The health contribution (9%) is not deductible from the tax
- Employer accident insurance at 1.67%, the rate for employers insuring up to 9 people; larger employers have their own rate
Sources
- PIT act (Dz.U. 2026 poz. 592) (opens in a new tab)
- Ryczałt act (Dz.U. 2025 poz. 843) (opens in a new tab)
- Social insurance act (Dz.U. 2026 poz. 199) (opens in a new tab)
- Health care act (Dz.U. 2025 poz. 1461) (opens in a new tab)
- 2026 contribution cap and forecast wage (M.P. 2025 poz. 1206) (opens in a new tab)
- 2026 budget act: Labour, Solidarity and FGŚP funds (Dz.U. 2026 poz. 62) (opens in a new tab)
- 2026 minimum wage (Dz.U. 2025 poz. 1242) (opens in a new tab)
- GUS average wage Q4 2025 (M.P. 2026 poz. 117) (opens in a new tab)
- 2026 flat-tax health deduction limit (M.P. 2025 poz. 1274) (opens in a new tab)
- ZUS: contribution amounts in 2026 (opens in a new tab)
- ZUS: entrepreneurs' contributions in 2026 (ZUS analysis, Feb 2026) (opens in a new tab)
- FGŚP act, art. 29 (Dz.U. 2026 poz. 186) (opens in a new tab)
This is an estimate under the 2026 rules, not tax advice. Your actual pay depends on your personal situation (family, other income, deductions you claim); check the official sources listed here or ask a tax adviser.
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