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Poland salary calculator: gross to net

Employment contract (umowa o pracę). Employee and employer contributions shown separately. Rates as of 2026-01-01.

Your details

Take-home pay (net)

PLN 5,101.67

from PLN 7,000.00 gross

Total employer cost

PLN 8,433.60

Employee: deductions from gross pay

What comes off the employee's salary

Gross salary
PLN 7,000.00
Pension insurance (9.76 %)
− PLN 683.20
Disability insurance (1.5 %)
− PLN 105.00
Sickness insurance (2.45 %)
− PLN 171.50
Health insurance (9 %)
− PLN 543.63
Income tax advance (PIT)
− PLN 395.00
Take-home pay (net)
PLN 5,101.67

Employer: contributions on top of gross pay

What the company pays out of its own pocket

Gross salary
PLN 7,000.00
Pension insurance (9.76 %)
+ PLN 683.20
Disability insurance (6.5 %)
+ PLN 455.00
Accident insurance (1.67 %)
+ PLN 116.90
Labour Fund (2.45 %)
+ PLN 171.50
FGŚP, Guaranteed Employee Benefits Fund (0.10 %)
+ PLN 7.00
Total employer cost
PLN 8,433.60

Indicative result, not tax advice. Does not take into account, among other things, joint filing, additional reliefs or exceeding the 120,000 PLN threshold over the year. Default accident insurance rate (1.67 %): it may be different in your company.

How to read the result

The Employee table shows what is deducted from gross pay: ZUS social contributions (13.71 % in total), the health contribution (9 %) and the income tax (PIT) advance. What is left after these deductions is take-home pay.

The Employer table shows the contributions the company pays on top, above the gross amount. Gross pay plus these contributions is the real cost of employing someone full-time.

Gross → net table 2026

Employment contract, PIT-2 filed, 250 PLN costs, no PPK, over 26.

GrossNet (take-home)Employer cost
PLN 4,806.00 (minimum wage) PLN 3,605.85 PLN 5,790.28
PLN 5,000.00 PLN 3,738.19 PLN 6,024.00
PLN 6,000.00 PLN 4,420.43 PLN 7,228.80
PLN 7,000.00 PLN 5,101.67 PLN 8,433.60
PLN 8,000.00 PLN 5,783.91 PLN 9,638.40
PLN 9,000.00 PLN 6,465.15 PLN 10,843.20
PLN 10,000.00 PLN 7,147.39 PLN 12,048.00
PLN 11,000.00 PLN 7,828.63 PLN 13,252.80

Frequently asked questions

How is net pay calculated from gross?
From the gross amount we deduct the employee's social contributions (pension 9.76 %, disability 1.5 %, sickness 2.45 %), the 9 % health contribution and the income tax (PIT) advance. If you take part in PPK (employee capital plans), the employee's PPK contribution is deducted too.
How much does the employee pay and how much does the employer add?
The employee has ZUS social contributions, the health contribution and PIT deducted from gross pay. The employer SEPARATELY pays its own contributions (pension, disability, accident, Labour Fund, FGŚP), about 20 % on top of gross pay in total. The calculator shows both sides separately.
What is the tax-reducing amount (PIT-2)?
It is 300 PLN a month taken off the income tax advance if you have filed PIT-2 with your employer. It corresponds to the annual tax-free amount of 30,000 PLN. Without PIT-2 the full advance is withheld every month, and you get the overpayment back in your annual tax return.
What does the youth tax relief give you?
People under 26 do not pay PIT on employment income up to an annual limit. ZUS and health contributions are still deducted, so net pay is higher, but not equal to gross minus ZUS.
How much is 7000 PLN gross take-home in 2026?
On an employment contract (PIT-2 filed, 250 PLN costs, no PPK, over 26) PLN 7,000.00 gross is PLN 5,101.67 net. The total employer cost is PLN 8,433.60.
What is the net minimum wage in 2026?
The minimum wage is PLN 4,806.00 gross. Take-home pay is PLN 3,605.85 (employment contract, PIT-2, 250 PLN costs, no PPK). The employer pays PLN 5,790.28 in total.

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