Investment and compound interest calculator

• You pay in at the start of every month, and each payment is one buy order. The commission and currency conversion from the broker's price list come out of the payment.
• The value grows by the assumed return, added monthly, in złoty. We don't model exchange rate moves or dividend payouts (an accumulating fund).
• Custody and account fees are charged as the broker's price list says, on the average value over the fee's period.
• At the end you sell everything in one order, with the commission and conversion back to złoty.
• Tax depends on the account. On a regular account you pay tax on the gain, on IKE nothing when you withdraw as the law provides, on IKZE tax on the whole payout.
• IKE and IKZE get payments up to the yearly limit, the rest goes to a regular account at the same broker. With both accounts, IKZE is filled first, then IKE. The IKZE tax refund arrives in April of the next year and goes to the regular account.
• The amount in today's money is the result reduced by the assumed inflation for every year of the plan.
• Without an age we assume a payout within the rules. With your age we check whether at the end of the plan you have the required age and payments in enough years; if not, we calculate an early withdrawal (zwrot) with its tax.
• The IKZE tax refund assumes you have taxable income that year of at least the payment. With the flat-rate tax we use the higher IKZE limit for the self-employed.
• The plan starts this month. IKE and IKZE limits, the tax refund and the years with payments run by calendar year: this year's limit covers the months left in it, and a new one starts in January.

The rates and limits we calculate with

Tax on gains from selling securities

19%

Gains on IKE exempt from tax

Yes

Tax on an IKZE payout

10%

IKZE payments reduce your taxable income

Yes

IKE contribution limit for 2026

28,260.00 zł

IKZE contribution limit for 2026

11,304.00 zł

IKZE contribution limit for 2026 for the self-employed

16,956.00 zł

IKE: tax-free payout from the age of

60 years

IKE: age with pension rights

55 years

IKE: calendar years with payments, at least

5

IKZE: payout at the payout tax from the age of

65 years

IKZE: calendar years with payments, at least

5

IKE: tax on the gain on an early withdrawal

19%

IKZE: early withdrawal taxed as income on the scale

Yes

Tax scale, first bracket

12%

Tax scale, second bracket

32%

Tax scale: threshold of the higher rate

120,000.00 zł

Flat-rate tax

19%