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Investment Calculators

Plan your investing with precision and a clear view of taxes. The calculators below work out the profit on a share trade, dividend income and yield, the value of an ETF portfolio, the effect of compound interest and dollar-cost averaging, and the capital-gains tax due on a stock sale (PIT-38). They are aimed at individual investors — remember that investing carries market risk and results are never guaranteed. The figures shown are indicative and do not constitute investment advice; pick the calculator that matches your case.

Investing in Poland — stocks, ETF, dividends

How to measure investment profit. The starting point is the rate of return. The simplest gauge is ROI = (net profit / cost of the investment) × 100%, useful for a single trade. For multi-year holdings the more honest measure is CAGR — the compound annual growth rate — because it annualises the result and lets you compare investments held for different periods on an equal footing. When you compute the profit on a share sale, deduct the buy and sell commissions, and remember that a nominal gain is not the same as a real one: high inflation can quietly erase a seemingly attractive return. The Belka tax and PIT-38. In Poland, capital income — interest, dividends and gains from selling shares or ETFs — is subject to a flat capital-gains tax, colloquially the Belka tax. There is a key practical difference: on bank deposits the tax is withheld automatically, whereas on brokerage investments you settle it yourself on the annual PIT-38 form. PIT-38 also lets you offset losses against gains, which can lower the tax due. The current rate is built into our calculators (current rate — see the tax calculator); never treat a headline return as your take-home figure before tax. DCA — averaging your entry. Dollar-cost averaging (DCA) means investing a fixed amount at regular intervals regardless of market conditions. By buying more units when prices are low and fewer when they are high, you average out your purchase price and reduce the risk of a badly timed lump-sum entry. It is one of the most accessible strategies for beginners and pairs naturally with broad, low-cost ETFs. Dividend net vs the tax. A dividend is the part of a company's profit paid out to shareholders, quoted either in cash per share or as a dividend yield (dividend ÷ share price). The headline yield is a gross figure — the amount that reaches your account is lower once the capital-gains tax is applied, and foreign dividends may also face withholding tax abroad. Our dividend calculator shows both the gross and the net figure so you can compare income realistically. The instruments differ by risk. Stocks and ETFs carry market risk: their value can fall as well as rise. ETFs (Exchange Traded Funds) replicate an index — such as WIG20, the S&P 500 or MSCI World — and deliver broad diversification at a low annual cost, which is why they suit long-term, passive portfolios. Cryptocurrencies are highly volatile and speculative, appropriate only as a small share of a portfolio for experienced investors. Whatever you model here, the projections are illustrative only — past performance does not guarantee future results, and none of this is investment advice.

See also: Salary and payroll calculators · VAT calculators · Loan calculators

Frequently asked questions about investments

What is the Belka tax?

The Belka tax is a 19% tax on capital income (interest, dividends, stock/ETF gains) in Poland.

How to calculate investment ROI?

ROI = (net profit / investment cost) × 100%. E.g. 500 PLN profit on 5,000 PLN investment = 10% ROI.

What is an ETF?

An ETF (Exchange Traded Fund) is an index fund listed on a stock exchange — a cheap, diversified investment.

Compound interest means reinvesting gains — gains generate further gains, accelerating capital growth.

IKE and IKZE are retirement accounts with tax advantages — they help avoid or defer the Belka tax.

IKE limit is approximately 23,000 PLN/year; IKZE approximately 9,000 PLN (or 14,000 PLN for the self-employed).

A dividend is a share of company profit paid to shareholders — expressed in PLN/share or as a % of share price (yield).

Portfolio return = (end value − start value + dividends) / start value × 100%.

WIG20 is the index of the 20 largest companies on the Warsaw Stock Exchange — a barometer of the Polish equity market.

No — the calculator shows projections based on assumptions. Investment results are not guaranteed.