Poland · PLN · Pension guide
Bring your ZUS projection and supplementary provision into a budget in zloty. Explore how accessible savings support the years before and after pension income starts.
Open the calculatorIt compares spending, manually entered pensions and accessible savings in PLN, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
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ZUS explains that its pension calculator produces a projection rather than a guaranteed future benefit. Use your latest account information and the relevant retirement assumptions. This tool does not reproduce account valorisation, initial capital or life-expectancy conversion rules.
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For a supplementary account, first decide whether you are modelling accessible capital or recurring payments. An account balance is not itself a monthly pension. Check restrictions, taxes and withdrawal schedules with the relevant institution before combining it with liquid savings.
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Only include confirmed payments on a consistent after-tax basis. The calculator smooths the annual budget and cannot model special payments in particular months. Future pension revisions and changes to tax or benefit rules are excluded.
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.