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


preetfzr 2 | 5    
5 Mar 2014  #1
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.
Patrick bateman    
5 Mar 2014  #2
Make sure you get a very good health insurance policy as the public hospitals and doctors are a nightmare
OP preetfzr 2 | 5    
5 Mar 2014  #3
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 ?
marzenaew - | 2    
5 Mar 2014  #4
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 . ;)
OP preetfzr 2 | 5    
5 Mar 2014  #5
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
Monitor 14 | 1,822    
6 Mar 2014  #6
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.

gross salary: 6.000,00 zł
decreasing the amount of tax: entitled
pension contribution (9.76%) 585,60 zł
pension contribution (1.5%) 90,00 zł
Sick contribution (2.45%) 147,00 zł
Social contributions: 822.60 zł
health insurance contribution (9%) 465.97 zł
premium for health insurance deductible (7.75%) 401,25 zł
deductible expenses: 111,25 zł
basis for calculating payment: 5066.00 zł
advance tax (18%) 865.55 zł
advance payment to the tax office: 464.00
Net salary: 4247.43 zł

OP preetfzr 2 | 5    
6 Mar 2014  #7
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
Monitor 14 | 1,822    
6 Mar 2014  #8
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.
OP preetfzr 2 | 5    
6 Mar 2014  #9
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 !
Monitor 14 | 1,822    
6 Mar 2014  #10
yes it is.
Harry    
6 Mar 2014  #11
do you think with 4200 PLN its easy to survive !

Survive, yes; live well, no.
OP preetfzr 2 | 5    
6 Mar 2014  #12
you mean that's not enough for two rooms apparent rent and food for a month!
Harry    
6 Mar 2014  #13
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.
hjrr    
5 Jul 2014  #14
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.
Ashley33    
12 Sep 2014  #15
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.
Monitor 14 | 1,822    
12 Sep 2014  #16
nobody is payed this much monthly with normal employment contract
jon357 65 | 13,618    
12 Sep 2014  #17
Some people are :-)

However it is indeed very rare.
Ziemowit 12 | 3,100    
12 Sep 2014  #18
nobody is payed this much monthly with normal employment contract

Some people are :-)

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.
jon357 65 | 13,618    
12 Sep 2014  #19
Yes, some people are, but those people who are most certainly will not come to the PF to ask for tax advice,

You'd be surprised.

I think the OP meant 3750 rather than 37500.

More likely, but anybody's guess.

It could of course be annual, which would be a pretty bad salary.
MrMleczko - | 5    
12 Sep 2014  #20
4200 is a lot for a single person

most poles earn around 2000 to 3000 BEFORE tax
jon357 65 | 13,618    
12 Sep 2014  #21
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.
jon357 65 | 13,618    
12 Sep 2014  #22
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)



MrMleczko - | 5    
12 Sep 2014  #23
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
jon357 65 | 13,618    
12 Sep 2014  #24
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.

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...

4200 after tax is still a lot even in warsaw. i actually live near it and im there pretty much every day

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

BTW, I live in the city.
Monitor 14 | 1,822    
12 Sep 2014  #25
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.
jon357 65 | 13,618    
12 Sep 2014  #26
Indeed. The figures in that report however don't come from GUS. They come from the Ogólnopolskie Badania Wynagrodzeń, conducted by a private company...
MrMleczko - | 5    
12 Sep 2014  #27
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

Meanwhile, in Warsaw waiter earns an average of only about 250 zł more than outside of the capital. About the same level higher are nurses earnings , warehouse gets about 280 zł more, cashier - 450 zł and the driver with a license category B - 500 zł, the same greater is a statistical assistant salary in the marketing department or telephone consultant. A little bit better is among front desk staff and secretaries (median salary higher than 650 zł).

Good to be a manager.

It is different in professions that require some education.

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
jon357 65 | 13,618    
12 Sep 2014  #28
Ok my bad I didn't check your picture but

No worries :-)

he didn't say in what character he will work of cores its important

This is key to it in many ways.

1,8 tys

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

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

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..
ennsta    
6 Oct 2014  #29
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?
Monitor 14 | 1,822    
7 Oct 2014  #30
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.



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