Gross to Net Calculator Poland (UoP vs B2B)

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Inputs Results Breakdown JDG switch insights Assumptions

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The minimum you need to get a clean comparison

What you enter

Monthly gross amount (PLN)
Whether your work includes copyright/IP deliverables (for dzieło)
Your JDG setup (ZUS mode + ryczałt rate + costs)

What you get

Net take-home for UoP / zlecenie / dzieło / JDG
Side-by-side breakdown (ZUS, health, tax)
Employer cost plus JDG break-even invoice estimate

Who it is for

Foreigners comparing Polish contract offers
People negotiating "same employer budget" to B2B
Anyone who wants numbers first, opinions second

Enter your numbers

Updates instantly as you type

Monthly gross amount (PLN)

Used for UoP, zlecenie, dzieło. For JDG, treated as monthly invoice amount.

Copyright or IP deliverables

I create copyright/IP deliverables Used to estimate when 50% KUP may apply on dzieło. If unsure, leave unticked.

JDG ZUS mode

Applies to the JDG estimate only.

Ryczałt tax rate (%)

Default 8.5%. Your correct rate depends on services and PKWiU/PKD.

Monthly business costs (PLN)

Used for JDG net only. Not deducted from ryczałt tax in this estimate.

Compare JDG to

Used in the "JDG switch insights" section.

Monthly take-home

Net to you

Estimate after ZUS, health and tax. See the breakdown below for the full story.

UoP

Employment

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Includes ZUS, NFZ and PIT.

Zlecenie

Mandate

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Includes ZUS, NFZ and PIT.

Dzieło

Specific work

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Copyright checkbox affects KUP estimate.

JDG

B2B (ryczałt)

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Includes ZUS, health and ryczałt tax.

This is an estimate for comparison purposes. For offers and negotiations, always compare net and total company cost, not gross to invoice.

Breakdown of the reality

Same components, side by side

Component	UoP	Zlecenie	Dzieło	JDG

JDG switch insights

Useful for "same employer budget" negotiations

Baseline employer cost

Total monthly cost of your selected baseline contract (what the company actually pays).

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JDG net on the same budget

If the company keeps the same budget and pays it as your invoice, this is your estimated JDG net.

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Break-even invoice to match net

Approximate invoice needed for JDG net to match baseline net (same assumptions as above).

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Assumptions used

Expandable so you can hide it when you are done

Show assumptions and exclusions

Poland ruleset: 2026 (values aligned to your provided constants pack).
UoP: standard employee KUP assumed (250 PLN/month). PIT-2 assumed at full amount (tax reducing amount applied).
Accident rate: default 1.67% used for employer cost estimate (this varies by payer).
Zlecenie: assumes ZUS and health apply, and voluntary sickness is included (simplification).
Dzieło: shows a simplified PIT estimate; checkbox toggles a "50% KUP-style" estimate. Real eligibility depends on contract structure and copyright transfer.
JDG: ryczałt only (no skala, no liniowy). Tax calculated as rate% of revenue. No special reliefs or deductions are modelled.
Not modelled: PPK, student exemptions, under-26 relief, multiple employers, year-to-date thresholds, sickness pay, benefits in kind, VAT, and edge cases.

Want this checked for your exact offer?

We can validate the contract structure and the tax setup before you sign.