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.
Take-home per month
4.711,43 PLN
from 6.000,00 PLN gross
- Take-home
- 4.711,43 PLN79%
- Social security (ZUS)pension 585,60 PLN · disability 90,00 PLN · sickness 147,00 PLN
- – 822,60 PLN14%
- Health contribution
- – 465,97 PLN8%
- Income tax advance – PIT-0 for under-26s
- 0,00 PLN
Monthly average over the whole year – includes limits crossed mid-year. Indicative only.
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.