Free tool

Net salary calculator for Poland

Work out what lands in your account from a Polish job offer. Enter a gross monthly salary for an employment contract (umowa o pracę, UoP) or a net invoice amount for B2B, and see the full breakdown with 2026 rates.

Monthly net pay

PLN 7,147.39

First month of the year. Pay can change later (30x ZUS cap, 32% bracket, under-26 relief).

MonthlyAnnual
Gross salaryPLN 10,000.00PLN 120,000.00
ZUS social contributionsPLN 1,371.00PLN 16,452.00
Health insurancePLN 776.61PLN 9,319.32
PIT advancePLN 705.00PLN 8,466.00
Net payPLN 7,147.39PLN 85,762.68
Employer contributionsPLN 2,048.00PLN 24,576.00
Total employer costPLN 12,048.00PLN 144,576.00
Net pay month by month
  • Month 1PLN 7,147.39
  • Month 2PLN 7,146.39
  • Month 3PLN 7,147.39
  • Month 4PLN 7,146.39
  • Month 5PLN 7,147.39
  • Month 6PLN 7,146.39
  • Month 7PLN 7,147.39
  • Month 8PLN 7,146.39
  • Month 9PLN 7,147.39
  • Month 10PLN 7,146.39
  • Month 11PLN 7,147.39
  • Month 12PLN 7,146.39

This calculator gives an estimate based on 2026 rates and standard assumptions (accident rate 1.67%, tax-reducing amount applied monthly, no other income or reliefs, no Mały ZUS Plus). It is not tax or legal advice. Confirm the details with your employer or an accountant.

How we calculate

UoP: employee ZUS (pension 9.76%, disability 1.5%, sickness 2.45%), health insurance 9%, PIT 12% / 32% with the monthly tax-free amount and cumulative bracket threshold, and the annual cap on pension and disability contributions.

Kalkulator B2B: how contractor take-home is calculated

B2B: ZUS for the chosen stage, health contribution for your tax form, PIT under liniowy 19%, skala 12% / 32% or ryczałt, minus business costs. The figures are annual and shown as a monthly average.

Comparing an offer? Use the free UoP vs B2B checklist to look beyond the headline number. Get the checklist

Frequently asked questions

How much is 10,000 PLN gross in net pay?
On a standard employment contract (UoP) in 2026 without PPK, relief or higher costs, 10,000 PLN gross is about 7,147 PLN net in a month: 1,371 PLN employee ZUS, 776.61 PLN health insurance and 705 PLN PIT. The total employer cost is around 12,048 PLN.
UoP or B2B: which pays more?
At the same headline number B2B usually leaves more in your pocket, but it comes without paid leave, paid sick leave and notice protection, and you pay ZUS and your own costs. Compare the full package, not just the monthly number.
How much is the health contribution on B2B in 2026?
On the tax scale it is 9% of income and on the flat tax 4.9% of income, both with a minimum of 432.54 PLN a month. On ryczałt it depends on annual revenue: 498.35 PLN up to 60,000 PLN, 830.58 PLN up to 300,000 PLN and 1,495.04 PLN above.
How does the B2B calculator (kalkulator B2B) treat ZUS?
You pick the stage: start relief (ulga na start) means health only for six months, preferential ZUS uses a base of 1,441.80 PLN for 24 months, and full ZUS uses 5,652 PLN. Voluntary sickness insurance can be switched on or off.
What is the total employer cost?
It is the gross salary plus the employer's ZUS contributions (pension 9.76%, disability 6.5%, accident 1.67%, Labour Fund 2.45%, FGŚP 0.10%) and PPK if the employee takes part. The calculator shows it for UoP.
What is the 30x ZUS cap and the under-26 relief?
Once annual gross reaches 282,600 PLN in 2026, pension and disability contributions stop for the rest of the year, so net pay rises. People under 26 pay no PIT on the first 85,528 PLN of annual income from an employment contract; ZUS and health insurance still apply.