Salary calculator
Poland salary calculator: gross to net (brutto netto)
Work out your Polish take-home pay for the 2026 tax year. Enter your gross salary (brutto) to see income tax (PIT), social security (ZUS), and health insurance, with your net pay (netto) per month and per year.
Comparing offers in more than one country? Switch country.
Questions
How is net salary calculated in Poland?
Your gross is reduced by social security (ZUS) of 13.71%, health insurance of 9% (charged on gross less social security and not tax deductible), and income tax (PIT). PIT is 12% up to 120,000 zloty, minus the 3,600 zloty tax-reducing amount, and 32% on income above that, charged on your gross less social security and the standard 3,000 zloty employment cost.
Why is health insurance such a big deduction?
Since 2022, the 9% health insurance contribution is no longer deductible from your income tax, so it comes straight out of your net pay. It is charged on your gross minus your social security contributions, with no upper cap, which is why it weighs on higher salaries.
What about the under-26 youth relief?
Workers under 26 pay no PIT on income up to 85,528 zloty a year (the ulga dla mlodych). They still pay ZUS and health insurance. This calculator does not yet apply the youth relief, so if you are under 26 your real take-home will be higher.
How accurate is it?
It uses the 2026 PIT scale, the 13.71% social security rate with the 2026 cap, and the 9% health contribution, so it is close for a normal employment contract (umowa o prace). It assumes a single taxpayer with standard costs and excludes joint spousal filing and other reliefs.