Calculator
PPK calculator: how much you build and whether to opt out
Three scenarios side by side: stay in PPK until 60, withdraw early, or opt out and invest the same money yourself. With employer contributions, state top-ups, income tax on the employer contribution and capital-gains tax where it applies.
In PPK at age 60
235 281zł
- Stay until 60235 281 zł
everything: your contributions, employer’s, state top-ups and the gain
- Withdraw before 60177 682 zł
without state top-ups, with capital-gains tax; PLN 28 670 goes to your ZUS account
- Without PPK126 999 zł
your contribution and the tax saved, in a fund, with capital-gains tax
- Your contributions
- 70 002 zł
- Employer contributions
- 52 501 zł
- State top-ups
- 6 250 zł
- Income tax on employer contributions (you pay)
- 6 300 zł
- Out of your pocket
- 76 302 zł
For every złoty of yours3,08 zł
- Even withdrawing before 60 usually beats having no PPK – 70 % of employer contributions stays.
- Fund units can lose value; PPK returns are not guaranteed.
Indicative result – not a loan offer or investment advice. Statutory and market parameters checked on 2026-10-10.
An indicative tool: the result is an order of magnitude on your assumptions, not a valuation or tax, legal or investment advice. Data entered into the form is never sent or stored anywhere.
How it is computed
- 1Contributions and top-upsEach month: 2 % of gross pay from you (or 0.5 % at pay up to 120 % of the minimum), 1.5 % from the employer, plus additional contributions. The state: PLN 250 after three months and PLN 240 a year once contributions exceed 3.5 % of six minimum wages (about PLN 1,009 in 2026).
- 2Three exitsAfter 60: 25 % at once and 75 % in at least 120 instalments – tax-free. Early withdrawal: state top-ups are lost, 30 % of employer money goes to your ZUS account, 19 % tax on the gain. Without PPK: your contribution and the tax saved in an ordinary fund, with capital-gains tax at the end.
Frequently asked questions
Does it pay to opt out of PPK?
Usually not. Opting out you give up the employer contribution (1.5 % of pay) and state top-ups, saving only your 2 % and the tax on the employer contribution. At PLN 8,000 gross over 25 years the calculator shows roughly twice as much in PPK as without it, at the same fund return.
What do I lose withdrawing before 60?
State top-ups (they return to the Labour Fund), 30 % of employer contributions (they go to your ZUS account, so not entirely lost, but not paid to you) and 19 % tax on the gain. You get your own contributions and 70 % of the employer’s.
What fund return should I assume?
PPK funds are target-date funds: the closer to 60, the fewer equities. For planning, 4–6 % a year before inflation is a reasonable range. Check your fund’s results in the provider’s report and compare a cautious and an optimistic scenario.
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