What is deducted from a salary in Poland apart from Income tax?

Hi,

I am new to this forum. i just got offer from the IBM Poland and they offered me 6000 PLN gross. i curies to know except 18% of income tax what other salary dedication will be forced on the gross salary!

Thanks in Advance.

Make sure you get a very good health insurance policy as the public hospitals and doctors are a nightmare

Thanks for the reply.

yes they are going to provide private insurance as well as accidental insurance!
but i am wonder, do the employers still deduct the salary for the National Helth Funds or there are other deduction will be there after the tax ?

No just a tax

sending you a sallary calculator money.pl/podatki/kalkulatory/plac?rfguidfo
What I count you ll have 4 247,43 zł for you . ;)

but if i am not wrong, the tex till 85000 of income and its 18% ! and with 18% then it could be around 4900 approximate for the 6000 PLN gross !

world.tax-rates.org/poland/income-tax

I see that you asked WHAT is deducted:
So it's explained on the website which Marzena linked you:
It's worth to note that when you get 6000 gross, employer has to pay 1244 extra taxes above that.

Thanks a lot Moniter for reply!

one more question, by the end of the year, do i will be eligible to get any of the portion from above segregation! i mean i will be foreigner in the Poland so still i have to pay for the pension contribution! otherwise my employer going to pay for my private insurance cover then again i have to pay the following parts:

health insurance contribution (9%) 465.97 zł
premium for health insurance deductible (7.75%) 401,25 zł

Extra health insurance of your employer doesn't cover serious treatment, like cancer, so it's not replacement of compulsory health insurance tax. I doubt that you will be able to get pension contribution back although I think it's possible in USA. Anyway pension fund contributions are transferable between European Union countries if you consider to retire in EU. Moreover it's not a real fund (just government promise of retirement), because in reality these money are used to pay pension of pensioners now. That's why Poland needs more immigrants, so the ratio working to retired doesn't go to low. Because working people pay for old and if the ratio drops, then either pensions must drop or pension tax increase.

Monitor
Thanks again!

i would like to ask one last question and its off the topic! do you think with 4200 PLN its easy to survive !

yes it is.

Survive, yes; live well, no.

you mean that's not enough for two rooms apparent rent and food for a month!

Here in Warsaw a two-room apartment in the city centre of an acceptable standard is going to cost you 2000zl per month. You'll get by on four grand a month but you won't be taking many holidays or eating in the best restaurants.

Check with the local hospitals, there is a baby boom going on in Poland. I think we will be ok for the pension, there are more workers coming.

Merged: TAX in poland

Hi all,

I am offered Job in Poland with Monthly Gross of PLN 37500.I want help on following:
1) What is the approx. deductable Tax.
2) What is the other deductable items- Social Security, insurance etc.
3) An idea on the "take home" income per month that i will have.

nobody is payed this much monthly with normal employment contract

Some people are :-)

However it is indeed very rare.

Yes, some people are, but those people who are most certainly will not come to the PF to ask for tax advice, social security and insurance.

I think the OP meant 3750 rather than 37500.

You'd be surprised.


More likely, but anybody's guess.

It could of course be annual, which would be a pretty bad salary.

4200 is a lot for a single person

most poles earn around 2000 to 3000 BEFORE tax

In Warsaw and other larger cities the average salary is much higher than that (in Warsaw much more than that) and remember that foreigners have to budget for extra expenses like visits home as well as more often than not paying more for the place they live.

In fact looking at the figures reported in the media (usually a year or so out of date) for Warsaw it's two to three times the figure you mention though your figure is fairly accurate for smaller place.

tvn24.pl/wroclaw,44/6000-zl-w-warszawie-4500-zl-we-wroclawiu-ile-zarabiaja-polacy,305576.html

(in Polish, however for those who don't read Polish well the important bit is the numbers)

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You dont really understand what "average" means do you
media like to report "average" because it looks good
But what's really important is dominate and median.

4200 after tax is still a lot even in warsaw (i actually live near it and im there pretty much every day)
of course even with 20.000 or more you can say you dont have enough its all based on your expectations

It's important to have a good look at figures before you try to criticise the person posting them, since in this case it seems you're the one who doesn't understand - the figure of 6000 is the median...


Not really, unless you're very young or you don't have a great job.

BTW, I live in the city.

And average salary in Poland is calculated only from 40% biggest companies, so the companies paying more than other 60%. And it doesn't take into account 20% of employed people who work with "umowa od dzieło", "umowa zlecenie", only people working with "umowa o prace". Majority of people employed in this way earn close to minimum wage.

So the value provided by GUS isn't even real average. Is it the same in other countries? If not then it doesn't have any comparative value. I know that in Germany only full employed people are counted to the official average, but I don't know if small companies are omitted by statistic office in the same way as in Poland.

And MrMleczko why do you answer to the post written in March? Admin here likes to merge old topics with new one.

Indeed. The figures in that report however don't come from GUS. They come from the Ogólnopolskie Badania Wynagrodzeń, conducted by a private company...

Ok my bad I didn't check your picture but

>Not really, unless you're very young or you don't have a great job.

he didn't say in what character he will work of cores its important
but that wasn't his question

>very young or you don't have a great job

That's what I said for a "singe person"

Generally earnings of "typical" workers aren't much bigger in Warsaw then else ware
It's the top positions that are paid well


Source: warszawa.gazeta.pl/warszawa/1,34889,9016552,Zarobki_w_stolicy__Komu_w_Warszawie_zyje_sie_lepiej_.html

Also what would you tell poles working for 2000 or 2500 a month?
Not even mentioning those working for minimal 1200 after tax (I genuinely respect those people they must be survival experts)

So it comes to

Is it possible to live comfortable in Warsaw for 4200zł a month
Yes it is

Is is 4200 a good pay?
answer is it depends
but he didn't ask about our opinion on pay for his position

No worries :-)


This is key to it in many ways.


I think it would be very very hard to live on that. Yes, I know that some people have to...


After deductions, he would need to be careful, and I mentioned that as a foreigner life can be more expensive with occasional trips home that can eat what little someone can save as well as coming to the rental market as an outsider which means when taking a job in another country you have to factor this in or end up miserable..

I'm trying to find out what the difference is if I'm a contractor or an employee, tax wise and of course, the pros/cons of the two.

Like, what would be the difference between 10.000zl a month gross? I assume I'd need to create a company if I'm a contractor as well and such.

And judging by the numbers here, anything above 10.000zl gross in Warsaw is more than acceptable?

When employer pays 10 000PLN, then it's 8300 gross and employee gets 5849PLN net. Look at this calculator: pracuj.pl/kalkulatory/kalkulator-wynagrodzen.aspx

As a contractor you get whole 10 000 and must pay all taxes and insurances by yourself. You need accountant or tax adviser to find out how you can optimize these taxes. As a contractor you're a company, so you don't have to pay 23% tax for many purchases, which private people must pay.