Finance
Polish salary, B2B, VAT and invoice tools, loans, mortgage, treasury bonds, savings, compound interest and inflation calculators - 2026 rates.
20 tools
Amount in words converterType a number and get it spelled out in correct English or Polish - with zlotys and groszy, dollars and cents or no currency at all - ready to paste into an invoice, contract or check.B2B contract calculator PolandFreelancing or contracting in Poland through your own sole proprietorship (JDG)? Enter your monthly invoice and costs, pick your ZUS stage and compare take-home pay under all three tax forms.Invoice generator PolandIssue a Polish-format invoice with English labels next to the Polish ones - VAT invoice, invoice for VAT-exempt sellers or pro forma, with totals per rate, the amount in words in both languages and NIP and IBAN checks. Your data stays in your browser.Mortgage calculator PolandBuying a flat or house in Poland? Enter the loan amount or the property price with your down payment to see the monthly installment, total interest and how the balance falls year by year.Polish salary calculator (gross to net)Working in Poland on an employment contract (umowa o pracę)? See what you actually take home in 2026, with ZUS, the health contribution and income tax broken down month by month, plus the full cost to your employer.Borrowing capacity calculator PolandEstimate the maximum mortgage or personal loan you could get in Poland from your net income, contract type, household size and existing commitments - using the rate buffer and DSTI limits from the KNF recommendations.Compound interest calculatorSee how money works for you - enter a starting amount, a monthly contribution and a rate of return to get your balance year by year.IKE and IKZE calculatorSee how much you would actually take home after years of saving in an IKE, an IKZE or a regular account taxed at 19% - based on your contribution, expected return, horizon and Polish income tax rate. The 2026 limits are shown at the top.Inflation calculator PolandConvert an amount from one year’s prices into another year’s prices using annual average inflation published by Statistics Poland (GUS), and see how much purchasing power the złoty has lost.Leasing calculator PolandWork out the installment on an operating lease with an initial payment and buyout, the total cost and the lease factor - then see how much VAT your business can deduct and how much income tax it saves.Loan overpayment calculatorEnter your outstanding balance, remaining installments and interest rate, then the extra amount you want to pay. The calculator shows how much shorter the loan gets, how far the installment drops and how much interest you save in each scenario.Margin calculatorEnter any two of cost, selling price, margin or markup and get the rest instantly - including the profit per unit and the exact price you need to hit a target margin.PCC tax calculator PolandBought a used car from a private seller or borrowed money from a friend in Poland? The calculator works out the civil law transactions tax (podatek od czynności cywilnoprawnych, PCC), checks exemptions and shows the PCC-3 deadline.Percentage calculatorThe five most common percentage calculations in one place: percent of a number, share, change, increase or decrease and the original value. Results update as you type.Personal loan calculatorCalculate the monthly installment, total interest, fees and insurance on a cash loan - plus the APRC, the one number that lets you compare offers from different lenders fairly.Polish treasury bonds calculatorSee how much you would earn on Polish retail savings bonds (obligacje skarbowe) - year by year, after the 19% Belka tax or inside an IKE/IKZE, held to maturity or redeemed early - and how the result compares with a bank deposit.Term deposit calculatorFind out how much a term deposit (lokata) at a Polish bank will actually earn you - the calculator deducts the 19% tax on interest and handles monthly, quarterly or end-of-term compounding.Umowa o dzieło calculatorDoing a one-off job in Poland on an umowa o dzieło - a translation, a design, an article or a piece of software? Enter the amount to see the tax and what you take home.Umowa zlecenie calculatorPaid on an umowa zlecenie in Poland? Enter the gross amount, choose your insurance status and see your take-home pay, every deduction and what the contract costs the client.VAT calculator PolandEnter one amount and pick a rate - the net price, the VAT and the gross price appear instantly, rounded to the grosz exactly as Polish invoices require.
Finance calculators with 2026 rates
The calculators use the rules in force in 2026. Polish tax and social-security tools (salary, B2B, civil-law contracts, VAT, PCC, treasury bonds, IKE/IKZE) apply Polish law and show results in PLN, with formulas and legal references explained in English. General tools - compound interest, percentages, loans and inflation - work for any currency.
Results are estimates; consult an accountant or adviser before important decisions.