Work /
What is deducted from a salary in Poland apart from Income tax? [155]
@Doodler
First of all, you have to take your total travel and relocation expenses for you and your family to and from Poland, divide it by 12, and deduct that from your monthly income. This includes airfare, travel expenses to and from airports, including hotel stays if applicable, visas and residency permits. This money has to come from somewhere and that somewhere is your first years income in Poland. For three people, that will be around 1000 PLN a month, perhaps a little more.
Food and sundry regular household expenses for a foreign family of three: 1500 to 2500 PLN a month. More if you eat, drink or snack away from home a lot. Less if you make all your food at home from cheap, local ingredients that the locals eat: pork, chicken, bland fish (pollock and Vietnamese catfish) potatoes, cabbage, onions, carrots, macaroni, and bread. Beef and better fish are expensive, and lamb and seafood are expensive and difficult to find. Quality and selection of fruits and vegetables is very poor compared to India, and they are quite expensive out of season. You'll be able to find spices and a few Indian items in the largest cites or online, but many of the things you take for granted cannot be bought here.
Clothing in Poland is expensive, and you will have to buy winter clothing. Children's clothing and any items for children are very expensive. Daycare for the child can cost 500 PLN a month or more. A good English medium school is extremely expensive and you will not be able to afford that. You will have to send your child to a low quality English medium school or to Polish school. Yes, they do not speak English in Polish schools and your child will receive very little help unless he learns Polish well.
Your wife will not be able to find any work in Poland. At all. Not even cleaning toilets. There are very few Indian women in Poland, a couple hundred in the whole country of 38 million, so she will have extreme difficulty meeting other Indian women of the right caste/clan/class to socialize with. And unless she speaks Polish, she's going to have a hard time meeting Polish people to socialize with. There is no Indian community in Poland, even in the capital city. Most of the few Indians here are single young men who stay for a year or two and move on. The rest are predominantly male students.
You are going to have to spend money, and quite a bit of it, to keep your wife entertained and occupied. Otherwise she is going to go stir-crazy and want to go back for costly visits to India, which you cannot afford on what you are making. Winter is probably going to depress the hell out of her. It's not at all like London where there are a lot of things for an educated Indian woman to do. Without knowing Polish, she will be handicapped in her choice of activities. Even shopping will be difficult, and more expensive.
It will take you and your wife several years to learn even the basics of Polish. It's a complicated language that is not at all similar to English.
As for savings, you're definitely not going to be able to save 50 K a month like you are now. You'd have to be very frugal and lucky to save 20 K, and probably a lot less, or even nothing at all.
All of this is assuming that your employer is paying 100% of the cost of your housing for the duration of your stay. That includes rent, administration fees, and all utilities. If you have to pay any of these costs, then your expenses per month will exceed your income. And woe unto you should you not be happy with the accommodation the employer provides. You would have no choice by to get on the plane back to India.
Bottom line, if you are able to save 50 K in India, then you are now way better off than if you would take this job in Poland.
