Gross to net salary calculator 2026
See how much you keep after ZUS, health insurance and income tax. The simulation uses a full tax-year monthly average.
Monthly average over the year
3.926,20 PLN
Take-home net
For the gross amount entered
Salary components
- Net pay78,52 %3.926,20 PLN
- Pension insurance9,76 %488,00 PLN
- Disability insurance1,5 %75,00 PLN
- Sickness insurance2,45 %122,50 PLN
- Health insurance7,77 %388,31 PLN
Contract types
Frequently asked questions
Gross is before deductions – the figure in job ads. Net is take-home pay after ZUS, health insurance and income tax.
Students under 26 on mandate contracts are exempt from social and health contributions. Only tax remains – often zero with PIT-0 and the tax-free amount.
No. The young taxpayer relief covers income tax only. ZUS and health (when due) are still deducted – unless you are a student on mandate with no other ZUS obligation.
No. The PLN 85,528 exemption applies to employment and mandate income, not work-for-hire.
Excess income is taxed normally – PIT advances at 12% / 32%. The calculator simulates this using a monthly year average.
Employers must offer PPK on employment contracts, but you can opt out within 2 months of hiring or after 4 years. The employee share reduces net pay.
Employment or mandate gives leave, labour-code protection and simpler settlement. B2B needs a business and self-managed ZUS – often worth it only at higher rates. Compare both here.
This tool is indicative only and not tax or legal advice. Rates and limits for 2026. Rounded to grosze; no joint filing and no reliefs other than PIT-0 and the tax-free amount.