Polish tax calculator. Calculate B2B costs and profit, compare B2B vs UoP, include vacation, joint filing with spouse, leasing, return relief, 4+ family relief, IKZE and more. Try it!
ladnepodatki.pl 2026 - B2B and UoP calculator 2026/2025 is for illustrative purposes only. We use final reference amounts for 2026 and 2025.
The new government proposal raises the II tax bracket from 120,000 PLN to 140,000 PLN. See how much you would gain if the changes were introduced.
The calculations presented are for illustrative purposes only.
B2B Calculator
- If the car is a fixed asset and used exclusively for business - the cost is deducted at 100%
- If the car is a fixed asset and used for business and private purposes (mixed) - the cost is deducted at 75%
- If the car is not a fixed asset and used for business and private purposes (mixed) - the cost is deducted at 20%
- The relief applies only to entrepreneurs using flat tax (19%) and lump-sum tax
- For flat tax (19%) - in 2026 you can deduct up to 14 100,00 PLN annually from income
- For lump-sum tax - income can be reduced by 50% of health insurance paid
- Relief for families 4+ is available to people raising at least 4 children. Limit 85 528,00 PLN. Having more than 4 children does not increase the relief amount.
- Senior relief is available to people who have reached retirement age (60 for women, 65 for men), do not receive a pension or disability benefit, and still work or run a business.
- Return relief is available for 4 consecutive tax years to people who transferred tax residency to Poland after paying taxes abroad for at least 3 years.
- The tax-free amount applies only under the tax scale (12/32%)
- For income up to 30 000,00 PLN annually - you pay no income tax
- For income above 30 000,00 PLN - tax is reduced by 3 600,00 PLN annually (300,00 PLN monthly)
ladnepodatki.pl B2B Calculator - what does it calculate and how does it work?
The ladnepodatki.pl B2B Calculator is a comprehensive tool for estimating taxes, ZUS contributions, and the costs of running a sole proprietorship under a B2B contract. It lets you check how much you will actually pay in taxes and contributions and what your real take-home profit will be.
The calculator automatically computes income tax, ZUS contributions, and VAT, taking into account your chosen tax form, business costs, and individual settings. Calculations are based on current regulations and reference amounts.
Results are presented as monthly and annual summaries covering tax amounts, ZUS contributions, business costs, net income, and other useful information (e.g. hourly rate or working time). Our calculator helps you better understand the costs, profits, and tax complexities of running a business.
Main features of the B2B calculator:
- Different tax forms: lump-sum tax (2%, 3%, 5.5%, 8.5%, 10%, 12%, 12.5%, 14%, 15%, 17%), 19% flat tax, and 12/32% tax scale
- VAT: choice of VAT rate (0%, 5%, 8%, 23%) or no VAT option
- ZUS contributions: Full ZUS, Small ZUS (preferential contribution), Start relief, and Small ZUS PLUS with automatic condition validation
- Two billing modes: monthly invoice or hourly rate with automatic conversion
- Business costs: business expenses (tools, training, etc.) with VAT deduction option
- Car costs: company car cost calculation with different usage variants (business, mixed, fixed asset)
- Vehicle leasing: detailed calculations for leased vehicles including the interest portion
- Joint settlement with spouse: tax optimization through joint PIT filing
- IKZE (Individual Retirement Security Account): calculating tax savings from IKZE contributions
- Return relief: tax relief for people who moved their tax residence to Poland after paying taxes abroad for at least 3 years (tax exemption on income up to 85,528 PLN per year)
- 4+ family relief: tax relief for people raising at least 4 children (minors, studying up to age 25, or on benefit/pension). Having more than 4 children does not increase the relief amount
- Working seniors relief: tax relief for people who reached retirement age (60 for women, 65 for men), do not receive a pension or disability benefit, and still work or run a business (tax exemption on income up to 85,528 PLN per year)
- Vacation and days off: deducting vacation and working holidays from working time
- Multi-currency support: PLN, EUR, USD, and GBP with automatic exchange rate conversion
- Voluntary sickness contributions: option to include sickness contributions
- Health insurance only: option for people on B2B + employment contract (UoP) with minimum wage
- Sharing calculations: generating a link to anonymously share your calculation (no data stored on the server)
- Government proposal simulation (II tax scale bracket 12/32%): optionally check how calculations would change if the first tax bracket threshold were raised from 120,000 PLN to 140,000 PLN — use the "Check" toggle in the banner at the top of the form. By default, the calculator uses current thresholds.
The summary includes:
- Annual summary: total net revenue, net income (take-home profit), income tax, ZUS contributions, business costs, and VAT payable or refundable — all for the full year
- Monthly summary: take-home profit, income tax, VAT, ZUS, and costs — shown as average monthly values
- Detailed income tax breakdown: tax payable with information on deductions from business costs, car costs, leasing, health insurance, IKZE, return relief, and tax-free amount
- Detailed VAT breakdown: VAT payable or refundable with information on VAT deducted from business costs, car costs, and leasing
- Detailed ZUS breakdown: health, pension, disability, accident, sickness (voluntary) contributions, and labor and solidarity fund
- Invoice information: net and gross invoice amount, net hourly rate (for hourly billing)
- Working time: average monthly working hours and working days, including vacation and working holidays
- Joint settlement with spouse: detailed information on tax savings from joint PIT filing (if selected)
- Leasing: detailed leasing cost calculations, tax deductions, and VAT (if selected)
- IKZE: information on IKZE contributions and tax savings (if selected)
- Return relief / 4+ family relief / Working seniors relief: information on tax savings from the selected relief (if selected)
- Comparison with previous year: option to compare results with the previous calendar year to see differences in taxes and contributions
The calculator has an advanced tooltip system. They appear when you hover (or tap on touch devices) over specific calculator elements. They contain information about calculation bases, deductions, reference amounts, and other important details. We encourage you to use them to better understand how the calculator works and how it performed the calculations. To disable tooltips, use the Hide tooltips button in the Other.
All calculator computations are performed locally in your web browser. Your data is not sent to the server. We do not share or use your data.
The calculator automatically saves your settings in the browser. This lets you return to your calculations at any time. The RESET FORM button clears all settings from the browser and lets you start over.
We make every effort to ensure the calculator provides the most accurate results based on current tax law. We use known and current reference amounts for ZUS contributions and taxes. When reference amounts are unknown, the calculator uses estimated values based on historical data (values are shown in tooltips). Calculator results are estimates and do not replace professional tax calculations. For more accurate results, we recommend consulting an accountant or tax advisor.
Besides the B2B Calculator, ladnepodatki.pl also offers other tools:
- calculate UoP Calculator - calculate net and gross salary on an employment contract This tool lets you accurately calculate net (take-home) and gross salary on an employment contract, including income tax, ZUS contributions, and optionally PPK. You can apply 50% deductible costs for creative work, joint settlement with a spouse, and IKZE contributions. The calculator also shows the total employer cost.
- leaderboard B2B vs UoP Comparator - compare B2B and UoP earnings for different amounts Compare B2B and employment contract (UoP) to find out which option earns you more. The tool includes costs, IKZE, 50% deductible costs for creative work, joint settlement with a spouse, and vacation. Tooltips explain calculation bases to help you understand the differences between employment and B2B and make a better decision.
- health_and_safety Health insurance contribution calculator - calculate B2B health insurance contribution Calculate the exact B2B health insurance contribution depending on the chosen tax form (lump-sum, 12/32% tax scale, 19% flat tax).
For questions, comments, or suggestions, contact us at: kontakt@ladnepodatki.pl