How much to save each month: a savings calculator
Got a goal? We work out how much to put aside every month so that, after your broker's fees and tax, you keep what you want.
The return, the fund cost and inflation are your assumptions, not a forecast. Markets can return less, or lose money.
Put aside every month
1,373 zł
With this payment you keep 500,044 zł at the end.
- At inflation of 3.0% a year, in 20 years this money buys what about 276,838 zł buys today.
How the plan grows
By the end you pay in 329,520 zł and the plan is worth 543,850 zł before selling. After selling, fees and tax you keep 500,044 zł.
- Year 1: 16,816 zł, paid in 16,476 zł
- Year 2: 34,437 zł, paid in 32,952 zł
- Year 3: 52,903 zł, paid in 49,428 zł
- Year 4: 72,253 zł, paid in 65,904 zł
- Year 5: 92,529 zł, paid in 82,380 zł
- Year 6: 113,777 zł, paid in 98,856 zł
- Year 7: 136,043 zł, paid in 115,332 zł
- Year 8: 159,375 zł, paid in 131,808 zł
- Year 9: 183,825 zł, paid in 148,284 zł
- Year 10: 209,446 zł, paid in 164,760 zł
- Year 11: 236,295 zł, paid in 181,236 zł
- Year 12: 264,429 zł, paid in 197,712 zł
- Year 13: 293,911 zł, paid in 214,188 zł
- Year 14: 324,805 zł, paid in 230,664 zł
- Year 15: 357,179 zł, paid in 247,140 zł
- Year 16: 391,104 zł, paid in 263,616 zł
- Year 17: 426,654 zł, paid in 280,092 zł
- Year 18: 463,907 zł, paid in 296,568 zł
- Year 19: 502,944 zł, paid in 313,044 zł
- Year 20: 543,850 zł, paid in 329,520 zł
Regular account, IKE or IKZE?
The same plan at XTB on each account type.
The same plan at other brokers
The monthly payment that reaches the same goal, lowest first. Click a broker to calculate the plan there.
Without full fee data: BM Alior Banku, DM BDM, BM BNP Paribas, Erste Biuro Maklerskie, EXANTE, Freedom24, LYNX, BM Banku Millennium, N26, Noble Securities, BM Pekao, BM PKO BP, Revolut, UniCredit
Don't fit the plan: BM ING
How we calculate
- 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%
This is an example at an assumed return, not a forecast. It is not an investment recommendation or tax advice.
Frequently asked questions
How much should I save each month for retirement?
It depends on the goal and the time. To keep 500,000 zł on a regular account at XTB in 20 years, you need to put aside about 1,373 zł a month. We assume foreign ETFs, a return of 5% a year and a fund cost of 0.20%.
How much do I need to save to have a million złoty?
To keep 1,000,000 zł on a regular account at XTB in 20 years, at a return of 5% a year you need to put aside about 2,746 zł a month. At inflation of 3.0% a year, that million then buys what about 553,676 zł buys today.
IKE or IKZE when saving for retirement?
Both accounts have yearly limits: in 2026, 28,260 zł for IKE and 11,304 zł for IKZE. You can have both at once. For the goal in the first question you would then need 1,262 zł a month instead of 1,373 zł on a regular account (the IKZE refund counted at a PIT rate of 12%), if you withdraw within the rules.
When can I withdraw from IKE and IKZE with the tax privilege?
From IKE with no tax on the gain once you are 60 years old (55 years old with pension rights), with payments in at least 5 calendar years. From IKZE once you are 65 years old, with payments in at least 5 calendar years, at a 10% tax on the whole payout. Earlier it is a withdrawal (zwrot): on IKE you pay 19% tax on the gain, on IKZE the whole amount is income taxed on the scale.
Does the calculator account for inflation?
The goal is the amount on your account after the years you choose. Inflation is shown beside it: at 3.0% a year, 500,000 zł in 20 years buys what about 276,838 zł buys today.
Other calculators
Investment calculator
What you keep after years of payments, your broker's fees and tax.
Example: 1,000 zł a month for 20 years at XTB, a return of 5% a year → 364,841 zł to keep
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IKZE calculator: tax refund
How much tax you get back for an IKZE payment this year and what's left of the limit.
Example: the whole limit of 11,304 zł at a rate of 12% → 1,356 zł back
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Does an OKI pay off
How much asset value tax you pay on an OKI, and how much Belka on a regular account.
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