Jak obliczyć ratę kredytu?

Rata miesięczna zależy od kwoty kredytu, oprocentowania i okresu spłaty. Użyj kalkulatora kredytu, by obliczyć ratę, odsetki i całkowity koszt.

Czy niewykorzystany urlop przepada?

Nie. Co do zasady przechodzi na kolejny okres albo jest rozliczany ekwiwalentem przy końcu umowy.

Kiedy wypłaca się ekwiwalent za urlop?

Przy rozwiązaniu lub wygaśnięciu stosunku pracy.

Czy kalkulator uwzględnia niepełny etat?

Tak, kalkulator pozwala oszacować wymiar i ekwiwalent w modelu orientacyjnym.

Leave calculator — entitlement & cash equivalent

Calculate leave entitlement (20 or 26 days) and cash equivalent for unused leave. For employment contracts.

How does the calculator work?

Annual leave entitlement depends on length of service: under 10 years — 20 days, 10 years or more — 26 days per year (Labour Code, art. 154). Cash equivalent for unused leave on termination = monthly salary / annual coefficient (20.92 in 2026) × number of days.

Rates and thresholds

Length of service	Leave entitlement (days/year)
Under 10 years	20 days
10 years or more	26 days

Equivalent: salary / 20.92 × number of days (2026 coefficient).

As of: 2026-02-01.

Conditions and exceptions

• Leave entitlement includes e.g. previous employment (employment contract) and certain periods of education (Labour Code art. 155).
• For part-time work entitlement is reduced proportionally; partial days rounded up.
• Equivalent coefficient is set annually by regulation — check the current one for the year.

Examples

• 5 years service → 20 days per year. Equivalent for 10 days at 6,000 PLN: 6,000 / 20.92 × 10 ≈ 2,868 PLN. • 12 years service → 26 days. Equivalent for 5 days at 8,000 PLN: 8,000 / 20.92 × 5 ≈ 1,912 PLN. • Exactly 10 years → already 26 days (from 10 years up).

FAQ

How many days of leave for a full-time employee?: With under 10 years of service — 20 days of annual leave per year; with 10 years or more — 26 days (Labour Code art. 154). Service includes e.g. previous employment and certain education periods (art. 155).
How is the cash equivalent for unused leave calculated?: Equivalent for 1 day = monthly gross salary / annual coefficient (e.g. 2026: 20.92). The coefficient is set annually by the leave regulation. Equivalent for several days = (salary / coefficient) × number of days.
Do leave-on-demand days count towards the 20 or 26 days?: No. Leave on demand (e.g. 2 or 4 days a year) does not reduce the 20 or 26 day entitlement. Those are additional paid days off. The 20/26 are ordinary annual leave.
When does the employee get 26 days of leave?: After reaching 10 years of leave-qualifying service (employment + credited education etc.). From the next calendar year 26 days apply. You do not need 10 years with the current employer — total service counts.
How to calculate leave entitlement for part-time work?: Entitlement is reduced in proportion to working time. E.g. at 1/2 time: 20 × 1/2 = 10 days or 26 × 1/2 = 13 days (depending on service). Partial days are rounded up. The calculator shows entitlement for full-time.
When is the leave equivalent paid?: The equivalent is due on termination or expiry of the employment contract for unused leave to which the employee became entitled. It is paid with the last salary (or by the settlement deadline).

Legal basis

As of: 2026-02-01.

Legal information

Calculations are for information and estimation only. They do not constitute legal, tax or other professional advice. For individual matters, consultation with a lawyer, tax adviser or other specialist is recommended.

Legal basis

Labour Code (art. 154 — leave entitlement, art. 155 — service). Equivalent: Minister of Labour regulation of 8.01.1997 on leave (Dz.U. No. 2, item 14 as amended). Coefficient 20.92 for 2026.