Take-home Pay Calculator

Calculate your real take-home pay in seconds. UoP, B2B, PPK, raise calculator. Works offline. No sign-up. Updated for 2026.

What's your real take-home pay? Find out in 3 seconds.

Ile Na Rękę is Poland's fastest salary calculator, fully updated for 2026 tax rules. No registration, no internet required, no data sent anywhere.

WHAT YOU CAN CALCULATE:

Employment Contract (UoP) Gross to net and net to gross (reverse mode). Full breakdown: ZUS contributions, health insurance, income tax, PIT-2 tax relief, and cost deductions.

Self-Employment / B2B Flat 19% tax, progressive 12/32%, lump-sum rates. Full ZUS, reduced ZUS, start relief, or health-only. Business costs, IKZE, VAT (0/5/8/23%).

B2B vs Employment Comparison Enter your gross salary and B2B invoice – instantly see which option puts more money in your pocket and by how much.

Civil Contract / Copyright Contract Net pay for service and copyright contracts with 20% or 50% cost deductions. Reverse mode included.

B2B Health Insurance Calculator Detailed health contribution calculator for every tax form.

Annual Calculator How much will you earn in all of 2026? Month-by-month breakdown with tax threshold tracking.

PPK Pension Savings Compare contribution rates (2%, 3%, 4%), forecast account value after 10/20/30/40 years, and see the real net monthly cost to you.

Raise Calculator Enter current and new gross salary – see the net increase, employer cost impact, and a full before/after comparison table.

WHY USE IT:

• 2026 tax rules – always up to date
• Works offline – zero data se