Guides

How much does a sole proprietorship cost in Poland in 2026 — all fixed costs in one place

Monthly cost of a JDG in Poland 2026: start relief PLN 432.54, reduced ZUS PLN 888.72, full ZUS from PLN 2,359.30. Scenario table, lump-sum, job alongside business

Polish tax brackets 2026 and the tax-free allowance

Polish tax brackets 2026: 12% up to PLN 120,000, 32% above, tax-free allowance PLN 30,000, flat tax 19%. Worked examples for PLN 100k, 150k and 300k income

Health contribution 2026 — scale, flat tax and lump sum

Polish health contribution 2026: scale 9% of income, flat tax 4.9%, minimum PLN 432.54; lump sum PLN 498.35 / 830.58 / 1,495.04. Deductions and what changes in 2027

Lump-sum tax (ryczałt) rates 2026 — the full list

Polish lump-sum tax rates 2026 from 2% to 17%: IT 12%, medical services 14%, rental 8.5%, trade 3%. Limit PLN 8,517,200, health contribution and the 17% related-party draft

Polish VAT exemption limit 2026 — PLN 240,000

Polish VAT exemption 2026: limit PLN 240,000 (previously PLN 200,000), proration when starting mid-year, art. 113(13) exclusions and what happens when you exceed it

Polish minimum wage 2026 and 2027

Polish minimum wage 2026: PLN 4,806 gross (PLN 3,605.85 net), PLN 31.40/hour. From 2027: PLN 4,950 and PLN 32.30/hour. What changes for employees and business owners

Home purchase — decision assistant 2026

4 phases: capacity and cash, rent or buy, financing and overpayment.

Company car — purchase assistant 2026

3 decision phases: rationality vs income, liquidity, variants, financing last.

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.