Tool · bardzo.tax
What you take home
A rough estimate of taxes and contributions in Poland by employment type. Not a filing — just to grasp the ballpark.
Net per year
101,872 PLN
8,489 PLN per month
Effective rate: 29.26%
- Net101,872
- PIT (tax)11,203
- ZUS (social)19,742
- Health11,183
On 144,000 PLN a year under "Umowa o pracę" you keep about 70.74%. The rest is PIT, ZUS contributions and the health contribution.
Compare contract forms
The same income across forms — this is where you see if B2B is worth it
Umowa o pracę
8,489
PLN per month · 29.26%
Best optionJDG — scale
8,409
PLN per month · 29.93%
JDG — linear 19%
7,879
PLN per month · 34.34%
JDG — ryczałt
8,388
PLN per month · 30.1%
An illustrative model for orientation: 2026 rates are not officially indexed yet, so current values are used. The exact figure depends on deductions and your situation — check with a księgowy.