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My finances (sole trader) — from revenue to decision

Updated: 20.07.2026 · 2026 ZUS and tax rates

Enter your revenue once — the system walks you through the whole path: how much ZUS you pay, how much tax, what's left, what you can borrow and what follows from it. Data is stored only in your browser (no account, nothing sent to a server) and auto-fills the other calculators.

Step 1 — your business

Step 2 — what's left

Step 3 — what you can afford

Step 4 — what next

Data stored only in this browser (localStorage). We don't send it anywhere and have no access to it. You can erase it with one click.

Simplified model: 2026 rates, social contributions by stage, health contribution by tax form (scale 9%, flat 4.9% with a deduction cap, lump-sum by annual thresholds). Capacity is indicative — the bank uses its own method.

Indicative, informational estimates — not tax, legal advice or an offer. Confirm your settlement with an accountant or tax adviser.

See also:

Creditworthiness calculator

Income-tax calculator

Financial assistant