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 odprawa należy się przy własnej rezygnacji?

Co do zasady nie, chyba że odprawę przewiduje umowa lub układ zbiorowy.

Czy kalkulator uwzględnia przypadki, gdy odprawa nie przysługuje?

Tak, kalkulator może zwrócić 0 zł przy typowych przesłankach wyłączenia.

Czy kalkulator obejmuje odprawę emerytalną?

Tak — możesz wybrać „emerytura” i wpisać liczbę miesięcy zgodnie z regulaminem/układem.

Czy wynik kalkulatora jest wiążący prawnie?

Nie. To wynik orientacyjny; ostateczne rozliczenie zależy od stanu prawnego i dokumentów.

Severance pay calculator

Estimate severance for employer‑side dismissals or retirement severance (per rules).

How does the calculator work?

The calculator estimates severance for employer‑side dismissals (collective redundancies, insolvency) and lets you estimate retirement severance by entering the number of months from your employer rules. For other reasons (e.g. disciplinary dismissal, resignation) severance is not due — result 0. Enter the dismissal type, monthly gross pay, seniority and — if applicable — the retirement‑severance months.

Rates and thresholds

Type / Service	Severance
Collective redundancy / insolvency — service < 2 years	1 month salary
Service 2–8 years	2 months
Service > 8 years	3 months
Retirement (months per rules, default 0)	per entered months
Severance cap	15 × min. wage (72,090 PLN)

As of: 2026-02-01. Check minimum wage (MRPiPS).

Conditions and exceptions

• Collective redundancy / insolvency: severance 1–3 months by service; max. 72,090 PLN.
• Retirement: enter months per rules (default 0); if not due — 0.
• Other reason (dismissal for cause, mutual agreement without collective, etc.) — severance 0 PLN.

Examples

• Collective redundancy, pay 6,000 PLN, 5 years → 2 months → severance 12,000 PLN. • Collective redundancy, 1 year → 1 month pay. • Retirement — default 1 month; if rules provide 2 months, enter 2. • Other reason (e.g. employee fault) → 0 PLN.

FAQ

When is severance pay due on termination?: Severance is due for collective redundancies or employer insolvency (redundancy act). Retirement severance applies when employment ends in connection with retirement — the amount follows the Labour Code or internal rules/collective agreements. If not due, set 0.
How much is severance on collective redundancy?: Depending on service with the employer: under 2 years — 1 month salary; 2 to 8 years — 2 months; over 8 years — 3 months. Severance cannot exceed 15 times the minimum wage (Collective Redundancies Act art. 8).
Is there severance on termination by mutual agreement?: Only if the termination is part of collective redundancies (statutory conditions met: number of dismissals, reasons). Mutual agreement alone without a collective context does not entitle to severance — in the calculator choose «Other reason», result 0 PLN.
What service counts for severance?: Service with the employer where the termination takes place. Service with previous employers is not added. In the calculator enter service in years (e.g. 5.5 for 5 years and 6 months).
Is severance capped?: Yes. Severance cannot exceed 15 times the minimum wage (check the current MRPiPS announcement). For very high salary the amount is cut to this limit.
When is severance 0 PLN?: When the dismissal does not fall under statutory cases (e.g. disciplinary dismissal, resignation) or retirement severance is not due — set 0. The calculator will show 0 PLN.

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

Act of 13.03.2003 on special rules for terminating employment for reasons not attributable to employees (art. 8). Labour Code — retirement severance. The 15× minimum‑wage cap applies to redundancy severance only. This calculator is indicative; the final amount depends on the circumstances.

Check current minimum wage (gov.pl/rodzina).