Student cost calculator in Poland

The average student month costs from 1800 zl (parents, public university) to 4500 zl+ (flat, private university). Students in dorms spend on average 2200-2800 zl/month.

A place in a 2-person room of a state dorm usually costs 400-900 zl per month. In Warsaw, Krakow and Wroclaw prices are higher. Private dorms can cost 1000-1800 zl for a single room.

Full-time studies at public universities are free for Polish and EU citizens. Part-time studies or private universities are paid — tuition is usually 800-2500 zl per month.

Students can apply for a rector scholarship (about 600-1200 zl/month), a social scholarship (about 400-1000 zl/month), a scholarship for disabled students (up to about 800 zl/month) plus grants and foundation scholarships.

A part-time job can greatly ease the budget. Students under 26 are exempt from PIT, so they keep more income. It is worth keeping a balance though — too much work can lower academic results.

Cooking themselves, a student spends about 500-700 zl per month. With more use of the canteen and ready meals — about 700-1000 zl. Regular restaurant meals can raise the budget to 1200-1500 zl.

The main transport costs are a monthly public transport pass (usually 30-80 zl for students with a discount) and occasional trips home (100-300 zl/month). A student ID gives a 50% discount on domestic PKP and PKS travel.

The scheme: add up fixed costs (housing + tuition) + variable (food, transport, phone) + discretionary (leisure) + buffer (other). Subtract income (scholarship + work + family support). A negative result is the financing need.

The BGK student loan is one of the cheapest available (about 50% of the NBP rediscount rate). It is paid out throughout the studies and repaid after graduation. Consider it if you have no other income source, but mind the long-term interest costs.

No. The calculator uses average estimated values for the Polish market in 2026. Actual costs depend on the city, lifestyle and individual circumstances. Check current housing offers in your city.