Poland Tax Calculator (2026)
Income tax rates and take-home pay for Poland
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Poland Income Tax Brackets (2025)
| Bracket | Income Range | Rate |
|---|---|---|
| First bracket (12%) | PLN 0 - PLN 120,000 | 12.0% |
| Second bracket (32%) | PLN 120,000+ | 32.0% |
Tax credit: PLN 3,600
Health insurance (employee)
| Bracket | Income Range | Rate |
|---|---|---|
| Health insurance 9% | PLN 0+ | 9.0% |
Solidarity tax
| Bracket | Income Range | Rate |
|---|---|---|
| Solidarity tax on income above PLN 1,000,000 | PLN 0+ | 4.0% |
Applies when income exceeds PLN 1,000,000
Key Facts
Tax Year
2025
Currency
PLN
Top Rate
32.0%
Brackets
2 brackets
Tax Credit
PLN 3,600
Social Contributions
1 item
Assumptions
- · Model assumes resident employee earning employment income only, taxed under general PIT scale.
- · Standard employee deduction (250 PLN/month, max 3,000 PLN/year) is applied as a deduction from income.
- · Social security contributions (employee portion: 13.71% up to 2025 cap of PLN 260,190) are deductible from taxable income before PIT brackets.
- · Health insurance (9% of grossified base after social contributions) is not tax-deductible and is paid from net income.
- · Solidarity tax (4% on income above PLN 1,000,000) is modeled as a surcharge on income tax.
- · Child relief is not included; model assumes no dependents.
- · Tax-free amount (personal allowance) of PLN 30,000 is embedded in the bracket calculation via the 'amount decreasing tax' mechanism.
- · No church tax, voluntary schemes, or optional regimes included.
- · Employer contributions excluded (not employee liability).
Frequently asked questions
How much income tax do I pay in Poland?
Poland uses a progressive two-bracket system: you pay 12% on income up to PLN 120,000, and 32% on income above that threshold. You also receive a tax credit of PLN 3,600 that reduces your overall tax liability, plus a personal allowance of PLN 30,000 is built into the calculation.
What are social security contributions in Poland and how do they affect my take-home pay?
As an employee, you contribute 13.71% (combining pension, disability, and sickness insurance) on income up to PLN 260,190, then just 2.45% on income above that cap. These contributions are deducted from your gross income before income tax is calculated, which lowers your taxable base.
Do I pay health insurance in Poland, and is it tax-deductible?
Yes, you pay 9% health insurance as an employee, but unlike social security contributions, it is not tax-deductible. This means health insurance comes out of your net pay after income tax has been calculated.
Is there a solidarity tax in Poland for high earners?
Yes, if your income exceeds PLN 1,000,000, you pay an additional 4% solidarity tax on top of your regular income tax. This surcharge only applies to the portion of income above the PLN 1,000,000 threshold.
What deductions can I claim as an employee in Poland?
You automatically receive a standard employment deduction of up to PLN 3,000 per year, which reduces your taxable income. Social security contributions are also deductible, but personal expenses and most other itemized deductions are not available under the general PIT system for employees.
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