Utilnaro
Category: Calculators

Polish Salary Calculator (gross to net)

Turn a Polish employment contract salary into take-home pay, with the yearly threshold and contribution cap handled correctly.

Runs in your browserProcessed locally. Your input never leaves your device.

Calculation inputs

Pay and contract
Relief and deductible costs
Reduces the monthly tax advance by the standard amount.
Higher deductible costs.
Income tax exemption up to the annual limit.
Copyright transfer. Capped annually.
Employee 2% and employer 1.5% of gross.

Result

Your result appears here.

Details

About this tool

Enter a monthly gross salary on a Polish employment contract (umowa o pracę) and see what actually reaches your account: pension, disability and sickness contributions, the health contribution, the income tax advance and, optionally, your PPK contribution.

The calculation runs over a full year rather than a single month, because two of the rules that matter are annual. The 32% bracket applies to the taxable base, not to gross pay, so 120 000 zł of gross income does not cross it. And once the pension and disability base reaches the annual cap, those two contributions stop for the rest of the year, which raises take-home pay mid-year. A month-only calculator gets both of these wrong.

The employer's PPK contribution is treated the way the tax office treats it: exempt from social contributions but added to your taxable income, so you pay tax on money you never see.

This is one scenario with equal months. Uneven pay, sick leave or a change of contract during the year give a different result, and the tool is not a payroll statement.

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Good to know

Questions people actually ask

Does 120 000 zł of gross pay put me in the 32% bracket?
No. The threshold applies to the taxable base, which is gross pay less social contributions and deductible costs. At 10 000 zł a month the annual base is roughly 100 500 zł, so it stays under the threshold even though gross income is exactly 120 000 zł.
Why does my take-home pay change during the year?
Two annual rules move it in opposite directions. Crossing the tax threshold lowers it, and reaching the annual cap on the pension and disability base raises it, because those two contributions stop. Which effect you notice first depends on how much you earn.
Is the employer's PPK contribution free money?
Not entirely. It is exempt from social contributions but counts as your taxable income, so it increases your income tax even though the amount goes into the PPK account rather than to you.
Can I use this instead of a payroll statement?
No. It calculates one scenario with equal months. Uneven pay, sick leave, bonuses or a change of contract during the year all produce a different result.