Poland salary after tax

Calculate your net take-home pay in Poland for 2026. Includes income tax, social insurance, and all deductions.

Poland offers a competitive two-rate PIT system: 12% on income up to 120,000 PLN and 32% above, with a generous 30,000 PLN kwota wolna od podatku (tax-free allowance). ZUS social insurance totals about 13.7% of gross, and the 9% health contribution (składka zdrowotna) is not tax-deductible. Employees under 26 benefit from Zerowy PIT, which exempts employment income up to approximately 85,528 PLN from income tax entirely.

Poland Tax System at a Glance

Tax System

PIT (Podatek dochodowy od osób fizycznych)

Poland uses the calendar year. Standard tax rates are 12% (up to 120,000 PLN) and 32% above.

Social Security

Employees pay approximately 13.7% in social insurance: pension (9.76%), disability (1.5%), sickness (2.45%), and health (9%).

Key Deductions & Allowances

-Kwota wolna od podatku: 30,000 PLN tax-free allowance
-Koszty uzyskania przychodu: 250 PLN/month employee cost deduction
-Ulga dla klasy średniej: middle-class tax relief (abolished in 2023, replaced by higher kwota wolna)
-Ulga prorodzinna: child tax relief of 1,112.04 PLN/year per child

Average Salary

85,500 zł/year

Cost of Living

Average monthly rent: Warsaw ~3,500 PLN, Kraków ~2,800 PLN, Wrocław ~2,500 PLN.

Scope and assumptions