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B2B calculator — net from self-employment

Enter monthly revenue, costs and tax form — the calculator returns net take-home pay and effective tax burden.

Current rates 2026 · updated: 2026-06-09
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How we calculate B2B

Income = revenue − costs − ZUS. Health: 4.9% (flat) or 9% (scale). Tax 19% or by scale. Net = revenue − all deductions.

Example: PLN 15,000 revenue, flat tax, full ZUS

For PLN 15,000 revenue, PLN 500 costs, flat 19% PIT and full ZUS: net ≈ PLN 10,300, burden ≈ 31%.

Frequently asked questions

What is B2B?

B2B (Business-to-Business) — settling via your own business instead of an employment contract.

When is B2B more profitable than employment?

B2B is usually advantageous above about PLN 6,000–8,000 net/month due to lower burdens (flat 19% PIT).

What are the B2B tax forms?

Tax scale (12%/32%), flat tax (19% of income), lump sum (on revenue, without costs).

A simplified form — tax is a % of revenue without deducting costs. Rates: 2%, 3%, 5.5%, 8.5%, 12%, 15%, 17%.

Full ZUS ≈ PLN 1,773/month; preferential (start relief, 2 years) ≈ PLN 412; Small ZUS+ — income-based.

Yes — flat tax: 4.9% of income; scale: 9%; lump sum: fixed amount (3 brackets).

First 6 months — no social contributions (health only). Then 24 months of preferential ZUS.

No — it calculates net take-home pay. VAT is a separate calculation (see the VAT calculator).

On flat tax and scale yes (invoices, equipment, premises, car). On lump sum — no cost deduction.

The result is indicative — a simplified model. Consult an accountant for details.

The result is indicative — a simplified model. It does not include all deductions. Consult an accountant for details.

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