JDG Tax Optimizer Poland 2026 vs Wypłatomat

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/

Wypłatomat instantly shows how much of your Polish gross salary actually lands in your pocket. Type in a gross amount and get the net figure with a full breakdown of every deduction, using the official 2026 rates. FOUR EMPLOYMENT FORMS • Employment contract (umowa o pracę) — full breakdown of ZUS social contributions, health insurance and PIT advance, plus a 12-month schedule that automatically applies the 12% → 32% tax-bracket crossover during the year and the 120 000 PLN annual cap on author's costs. Includes PPK, commuter deduction and an annual net-pay chart. • B2B (sole proprietorship) — start-up relief, preferential or full ZUS, optional sickness insurance, flat 19% tax or the progressive scale with the second bracket. • Board appointment (powołanie) — remuneration of a board member. • Dividend — profit distribution from a Polish limited company with the 19% capital-gains tax. ENTREPRENEUR'S CALENDAR • ZUS, PIT and VAT deadlines for every month, with quarterly-settlement toggles for PIT and VAT. • Working days and hours per month, including all Polish public holidays (movable feasts like Corpus Christi included). CRAFTED DETAILS • Grosze-accurate math, exactly as the regulations require: each contribution rounded separately, the PIT advance rounded to full złoty. • Polish and English interface, light and dark themes. • Full accessibility support: VoiceOver, Dynamic Type, Reduced Motion. • Works 100% offline. No accounts, no ads, no tracking — the app collects no data whatsoever. Perfect for developers and specialists comparing a B2B offer against an employment contract, for accountants and recruiters, and for anyone who wants to know how much of gross becomes net in Poland. * Calculations are approximate, provided for informational purposes only, and do not constitute tax or legal advice.