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 kalkulator uwzględnia ulgę do 26 lat i PPK?

Tak. Możesz włączyć ulgę do 26 lat (zwolnienie z PIT do 85 528 zł/rok) oraz składkę PPK (2%). Inne ulgi (np. na dzieci) nie są uwzględnione.

Czy mogę obliczyć brutto z netto?

Tak. Wybierz tryb „Netto → brutto” i wpisz kwotę netto — kalkulator wskaże potrzebne wynagrodzenie brutto.

Co najmocniej wpływa na różnicę brutto‑netto?

Składki ZUS pracownika (emerytalna, rentowa, chorobowa), składka zdrowotna i zaliczka PIT; przy PPK dodatkowo 2% od brutto.

Net salary calculator — gross to net

Net from gross or gross from net (employment contract). ZUS breakdown, PPK and under‑26 relief. Estimate.

How does the calculator work?

The calculator estimates net pay (take-home) from gross under an employment contract — or gross from net (Net→gross mode). It subtracts ZUS (pension, disability, sickness), health contribution, PIT advance and optionally PPK (2%). You can enable under-26 tax relief (PIT exempt up to 85,528 PLN/year). It does not include other reliefs (e.g. for children) or annual settlement — indicative only.

Rates and thresholds

Contribution / threshold	Value
ZUS employee (pension + disability + sickness)	13.71%
Min. contribution base (approx.)	5,652 zł
PIT scale (threshold)	12% (monthly tax-free amount)
Health contribution	9%

As of: 2026-02-01.

Conditions and exceptions

• Below minimum ZUS base, the minimum applies — deductions are relatively high.
• The calculator includes under-26 tax relief and PPK (optional); it does not include other reliefs (e.g. for children), pay components (bonuses, overtime) or annual settlement.
• Minimum wage applies — gross cannot be lower than the annually set minimum.

Examples

• Gross 5,000 PLN → ZUS (pension + disability + sickness), health 9%, PIT advance — net approx. 3,500–3,800 PLN. • Gross 8,000 PLN → net approx. 5,600–5,900 PLN (depending on ZUS base). • Net→gross mode: enter net amount and the calculator will show the required gross. • With PPK or under-26 relief, enable the options — the result will adjust.

FAQ

What is net salary?: Net is the take-home amount — after deducting from gross: ZUS (pension, disability, sickness), health contribution, PIT advance and optionally PPK (2% when enabled). The calculator is for employment contracts. You can also compute gross from a given net (Net→gross mode).
What determines the ZUS contribution base?: The contribution base cannot be lower than the minimum (approx. 60% of average wage) or higher than the maximum (approx. 30 × annual average / 12). With low gross the minimum applies.
How is the PIT advance calculated under an employment contract?: The PIT advance is calculated on income (gross minus ZUS minus deductible costs). The 12% scale (up to threshold) and tax-free amount apply. The calculator simplifies (one monthly band).
Does the calculator include tax relief or other reliefs?: The calculator includes under-26 tax relief (PIT exempt up to 85,528 PLN/year) and the PPK option. It does not include other reliefs (e.g. for children), pay components (bonuses, overtime) or annual settlement. Use ZUS and tax office data for returns.
Why is net so low at low salary?: Below the minimum ZUS base the minimum applies — contributions are calculated on a higher amount than gross, so deductions are relatively large. This follows from the rules on minimum contribution base.
Health contribution — what is it calculated on?: The 9% health contribution is calculated on the contribution base (income after ZUS and deductible costs, minus tax-free amount). In short: on the taxable part of income.
Legal status 2026 — do rates change?: ZUS and PIT rates and tax-free amounts may be valorised each year (MRPiPS, MF announcements). The calculator shows "As of" — check current announcements before filing.

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

PIT act (12%/32% scale, tax-free amount), social insurance act (ZUS). Rates and thresholds — check MF and MRPiPS announcement for the year.

Calculator is indicative — use ZUS and tax office data for official calculations.