Free tools that calculate in your browser: no ads, no tracking, with a description of how we calculate. The IT tools are in English. The financial calculators follow Polish law and Polish official data, so they are only in Polish.
Buy a flat now on a mortgage and overpay it, or rent, invest your savings and buy for cash later? Your wealth in both cases, year by year.
Take-home pay in Poland in 2026, month by month, with the tax threshold, the social security cap, PPK and the employer's cost. Employment, civil-law contracts, B2B and several contracts in one year.
What an amount from any year is worth today (Statistics Poland data since 1950), how bread, petrol and flats got dearer, and whether your pay grows faster than prices.
Savings accounts, Polish treasury bonds, IKE and PPK side by side: what you get after tax and fees, what it is worth in today's zloty, and how much to put aside for a goal.
Nobody pays for the result. The calculators have nothing to sell you.
Your browser does all the work. Nothing is sent or stored.
Every calculator has a "How we calculate" page: step by step, with an example.
IT tools follow the RFCs and IANA registries; the financial calculators follow Polish law and official data.
The pages set no cookies, use no analytics and load no outside scripts or fonts: nothing you type leaves your browser. Like any web server, our host (Cloudflare) keeps standard access logs: IP address, time and browser type, but not what you type into the calculators.