1. What is Net Salary?

Net salary (take-home pay) is the amount an employee receives after all deductions (taxes, social security, health insurance) have been subtracted from the gross salary. In Poland, these deductions include income tax (PIT), social security contributions (ZUS), and health insurance.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• Gross Pay — Total salary before deductions
• Income Tax — Polish personal income tax (PIT)
• ZUS — Social security contributions
• Health Insurance — National Health Fund (NFZ) contribution

3. Polish Salary Components

Details: In Poland, salary deductions typically include:

• Income tax (PIT) - progressive rates of 12% and 32%
• ZUS (social security) - pension, disability, and sickness insurance
• Health insurance - 9% of gross salary (deductible from tax)

4. Using the Calculator

Tips: Enter your annual gross salary in PLN and all required deductions. The calculator will compute your annual net salary.

5. Frequently Asked Questions (FAQ)

Q1: What's the difference between gross and net salary?
A: Gross is before deductions, net is what you actually receive in your bank account.

Q2: Are there tax-free allowances in Poland?
A: Yes, Poland has a tax-free allowance (currently 30,000 PLN/year for most employees).

Q3: How often are salaries paid in Poland?
A: Typically monthly, with payment by the 10th of the following month.

Q4: Are bonuses taxed differently?
A: Bonuses are generally taxed the same as regular salary in Poland.

Q5: Can I calculate monthly net salary?
A: Yes, just enter monthly figures instead of annual ones.