# JDG Tax Optimizer Poland 2026 — Ryczalt, liniowy, skala + ZUS

> Ryczalt, liniowy, skala + ZUS (iPhone/iPad app by IVAN BOBAN.)

- Source: https://appshunter.io/ios/app/jdg-tax-optimizer-poland-2026/id6762534711 (this page in markdown: same URL + `.md`)
- Developer: [IVAN BOBAN](https://appshunter.io/developer/1882842325)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 7 MB
- Languages: American English, Polish, Russian, Ukrainian
- Released: 2026-05-14
- Data updated: 2026-09-22
- User reviews in markdown: https://appshunter.io/ios/app/jdg-tax-optimizer-poland-2026/id6762534711/reviews.md

## What is JDG Tax Optimizer Poland 2026?

Compare the Polish progressive scale, 19% linear tax and registered lump-sum tax (ryczalt) side by side — and see which regime actually leaves you with more in 2026.

2026 brought new health-contribution floors, a new minimum ZUS base and further PIT changes. This calculator is built for Polish sole proprietors (JDG), freelancers and B2B contractors who have to re-choose a tax regime every year and do not want to leave money on the table.

Figures sourced from podatki.gov.pl and zus.pl. Updated January 2026.

FREE FEATURES
• Three-regime comparator side by side — real monthly and annual net income.
• Scale calculator: 12% up to 120,000 PLN, 32% above, 3,600 PLN tax reduction.
• Linear calculator: 19% flat, 4.9% health contribution deductible up to 14,100 PLN.
• Lump-sum calculator: 2–17% by activity, health tiered on average-wage brackets.
• PKWiU rate finder — search the lump-sum rate for your activity classification.
• ZUS Tracker — Ulga na Start (6 months), Preferential ZUS (24 months), Standard ZUS.
• 2026 social contributions: Preferential 456.18 PLN/month, Standard 1,926.76 PLN/month.
• 2026 health contribution: minimum 432.54 PLN for scale and linear; 498.35 / 830.58 / 1,495.04 PLN for lump sum.
• B2B vs UoP — real comparison of employment vs sole proprietorship at the same employer budget.
• 4% solidarity tax above 1,000,000 PLN base.

PREMIUM
A one-time purchase unlocks the advanced toolkit:
• Monthly Reserve — how much to set aside each month for PIT, health, ZUS.
• PIT-0 wizard — family 4+, return relief, working-senior relief (85,528 PLN cap). Youth PIT-0 relief is shown for context only — it does not cover sole-proprietorship income.
• Annual reserve plan — 12-month projection that accounts for ZUS phase transitions.
• Ad-free experience across every screen.

NOTE ON MALY ZUS PLUS
Maly ZUS Plus is modelled as an approximation (minimum rate). Accurate prior-year income-proportional calculation ships in v1.1.

DISCLAIMER
Informational only. Not tax advice. Consult a licensed Polish tax adviser for binding advice.

SUPPORT AND PRIVACY
Questions? Settings > Contact Support. Privacy policy: https://cosprosoftsplit.github.io/jdg-optimizer-legal/

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| JDG Optimizer Premium | $4.99 | one-time |



## Version history (last 2 releases)

### 1.0.1 — 2026-06-07

• The PKWiU rate finder is now available for free.
• In-App Events refresh for 2027 (new ZUS contributions).
• Minor fixes and stability improvements.

### 1.0 — 2026-05-14

No release notes.

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All apps by IVAN BOBAN: https://appshunter.io/developer/1882842325

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-22.*