Concrete comparisons and walkthroughs of business accounts in Poland — organised by who you are and how you work.
How to register a business in Poland 2026
6 startup decisions and 7 CEIDG steps. Interactive checklist that saves progress.
Bank account in Poland for foreigners 2026
Account finder + documents, right to a free account, no-PESEL options.
Car leasing tax costs 2026
CO₂-based limit, proportion, 50/100% VAT, 75% running costs, comprehensive capped at 150k.
Financial Leaks Audit — how much you lose yearly
10 areas, 2 minutes — an estimated yearly recoverable amount.
Which tax form for a sole trader
Scale, flat or lump-sum — 6 questions and a computed recommendation.
Car financing
Loan, leasing and rental for a specific car — instalment, APR, offers.
Leasing vs loan — company car
Real cost after the shield with 2026 limits. No shield on lump-sum.
Down payment calculator
Full cash: down payment, PCC (and exemption), notary + saving time.
Overpayment & early-repayment calculator
Shorten the term or cut the instalment + the fee refund (Lexitor).
Creditworthiness calculator
How much you can borrow — the bank's method (DStI, KNF buffer).
Employment vs B2B — which pays more
Compare take-home, ZUS and benefits. Find your break-even invoice.
Salary calculator (gross → net)
Gross to net — employment, mandate, task. With PPK and youth relief.
Mortgage for foreigners in Poland
Residence card, down payment, capacity, MSWiA permit and refusal reasons.
Tax return (PIT) in Poland for foreigners
Residence (183 days), PIT-37 vs PIT-36, PIT-11 vs IFT-1R, reliefs and refunds.
Money transfer to Ukraine — cheapest way (2026)
Methods, cost (fee + spread), legal and tax angle. Comparison and FAQ.
Loan instalment calculator (APR)
Equal and decreasing instalments, total cost and APR — with commission.
Income-tax calculator (scale/flat/lump-sum)
Scale, flat or lump-sum (all rates) — tax, health and take-home.
B2B invoice — take-home
What's really left from a B2B invoice after ZUS, health and tax — scale/flat/lump-sum.
ZUS calculator for sole traders (JDG) — 2026
Estimate your monthly ZUS: start relief, preferential/full ZUS, health contribution by tax form.
Free business account for a JDG sole trader — 2026
What "free" really means and which hidden costs to watch for as a sole trader.
Business account for an IT contractor on B2B
Multi-currency accounts and cheap transfers when you invoice foreign clients.
Cheapest business account in Poland — 2026 ranking
A cost comparison without the promotional noise. Total cost is what counts.