Calculators, comparisons and step-by-step paths — real numbers instead of marketing. Start from the question on your mind.
Most used:
Big decisions are made of small steps. Walk them in the right order.
Capacity → instalment → leasing vs loan → import → insurance → account.
Walk the path →🏠Upfront cash → capacity → instalment → application → overpayment strategy.
Walk the path →🧭Answer 2–4 questions — the assistant builds a plan: tools, offers and the order of steps.
Launch the assistant →We break every category down to real costs and present it objectively. Choose what interests you.
For sole traders, companies and freelancers. Fees, transfers, currencies — no hidden costs.
Bonus, mobile and currency accounts. A comparison of terms and bonuses.
Mortgage and business loans. How to read the APR and compare total cost.
Payday and installment loans. Education, risk and a representative example.
Brokerage accounts and crypto exchanges. Fees, scope, investment risk.
Guides and comparisons that explain financial products in plain language.
The finder matches an account to how you really use business banking.
“From PLN 0” can cost the most — on transfers, a conditional card, the spread or the APR. So we break every offer into real components and label advertising material.
Work out the real cost of a business
Gross to net — employment, mandate and task contracts. With PPK and youth relief.
→Compare take-home, ZUS and benefits. Find the break-even rate.
→How much ZUS you'll pay as a sole trader: start relief, preferential and full ZUS.
→Tax scale, flat or lump-sum (all rates) — how much income tax you'll pay.
→What's really left from an invoice after ZUS and tax.
→Equal and decreasing instalments, total cost and APR.
→How much you can borrow — the bank's method (DStI, KNF buffer). A real range.
→Shorten the term or cut the instalment — plus the fee refund you're owed (Lexitor).
→Full cash to buy: down payment, PCC, notary. And how many months to save it.
→CO₂-based limit, proportion, 50/100% VAT, 75% running costs — what you actually deduct.
→Find your account in 4 questions — who opens without PESEL.
→6 startup decisions + CEIDG checklist. An assistant that remembers your progress.
→A company car after the tax shield — with the new 2026 limits (100/150/225k).
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