Financial calculators
Practical calculators that work out the real cost of running a business in Poland — no marketing jargon. Pick a tool below.
🧩My financial profile
Enter data once — it fills in across the other tools.
Home purchase — assistant
4 phases: capacity, cash, rent or buy, how to finance.
→Company car — assistant
3 phases: is it worth it, which variant, how to finance. Rationality and liquidity.
→How to register a business
6 startup decisions + CEIDG checklist. An assistant that remembers your progress.
→Account for foreigners
Find your account in 4 questions — who opens without PESEL.
→🔍 Financial Leaks Audit
10 areas, 2 minutes, a concrete amount to recover.
→My finances (sole trader)
From revenue to borrowing capacity — the whole flow in one place.
→💼Work & pay
Salary calculator
Gross to net — employment, mandate and task contracts. With PPK and youth relief.
→Employment vs B2B
Compare take-home, ZUS and benefits. Find the break-even rate.
→🏢Business & JDG
Car leasing tax costs
CO₂-based limit, proportion, 50/100% VAT, 75% running costs — what you actually deduct.
→ZUS calculator
How much ZUS you'll pay as a sole trader: start relief, preferential and full ZUS.
→Income-tax calculator
Tax scale, flat or lump-sum (all rates) — how much income tax you'll pay.
→B2B invoice — take-home
What's really left from an invoice after ZUS and tax.
→Which tax form?
6 questions → a recommendation, all three forms computed and the threshold where the answer flips.
→💰Loans
Loan instalment calculator
Equal and decreasing instalments, total cost and APR.
→Creditworthiness calculator
How much you can borrow — the bank's method (DStI, KNF buffer). A real range.
→Overpayment & early repayment
Shorten the term or cut the instalment — plus the fee refund you're owed (Lexitor).
→🏠Real estate
Down payment calculator
Full cash to buy: down payment, PCC, notary. And how many months to save it.
→Rent vs buy
Break-even point, opportunity cost of the down payment and factors nobody counts.
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