B2B invoice — how much you take home
How much is really left from a B2B invoice after ZUS, the health contribution and income tax? Enter the net invoice amount and choose your tax form and ZUS stage — the calculator shows an estimated take-home amount.
Simplified result: assumes no business costs, ignores deduction limits, reliefs (e.g. IP Box) and joint filing. Actual tax depends on annual totals.
Estimate based on 2026 rates. Scale: 12% with tax-free amount (32% over PLN 120,000/yr). Flat: 19%. Lump-sum: tax on revenue after deducting contributions. The health contribution depends on tax form and income/revenue. Not tax advice — confirm with an accountant.
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FAQ
How is the health contribution on B2B calculated in 2026?
It depends on the form: under the scale and flat tax the health contribution depends on income; under the lump sum it's a fixed amount by revenue bracket. The calculator applies the correct method for the chosen form — the health contribution is no longer deductible as it was before 2022.
Do I still have to pay VAT on the net invoice?
If you're an active VAT payer, the net amount is your revenue and you add and remit VAT separately. If you use the exemption (up to PLN 200k per year), you invoice without VAT. The calculator computes net — your actual business revenue.
How much do I really keep from a PLN 15,000 net invoice?
It depends on the form and ZUS stage — for a 12% lump sum and reduced ZUS it's usually more than the equivalent gross salary, but you must subtract accounting costs and the lack of employee benefits. Enter your amount in the calculator to see your own result.
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