Flat Running Cost Calculator

The monthly running cost includes: the administrative (maintenance) fee paid to the housing community or cooperative, utilities (electricity, gas, water, heating, waste), internet and TV charges, and the renovation fund contribution. The calculator sums these four items and converts them into yearly and daily figures.

The maintenance fee is a fixed charge covering property management and common areas. Utilities are your individual use of electricity, gas, water and heating, which depends on the number of residents. The fee is predictable, while utilities fluctuate seasonally, especially in winter.

The renovation fund is a monthly contribution toward future building repairs — roof, façade, lifts or installations. It is usually 1–4 zł per m² per month and is often part of the maintenance fee. We list it separately in the calculator to show the cost structure clearly.

The total running cost in Poland is roughly 15–30 zł per m² per month, depending on the city and building standard. For a 50 m² flat that is about 750–1500 zł per month. New buildings with a lift cost more than older blocks.

Cut utility costs with LED lighting, heating controls, sealed windows, shorter showers and tap aerators. It also pays to compare electricity, gas and internet providers — switching tariffs can lower fixed charges by tens of złoty per month.

A tenant pays the fee and utilities but does not contribute to the renovation fund or major repairs. An owner adds the renovation fund, property tax and any loan instalments. The day-to-day cost is similar, but total ownership costs are higher due to repairs and tax.

Property tax is a separate annual charge paid to the municipality and usually not part of the maintenance fee. For a flat it is low — a few dozen złoty a year. This calculator covers monthly running costs, so it excludes the tax; add it separately to your yearly budget.

Utility costs are seasonal. In winter heating and gas bills rise; in summer they fall, though air conditioning raises electricity use. For a realistic picture, enter an average monthly figure across the year. The calculator converts it into yearly and daily terms.

No. The rental deposit, notary fees, agent commission or moving costs are one-off expenses, not monthly running costs. This calculator counts only recurring costs of the flat. Plan one-off costs separately, for example in a rent and deposit calculator.

No. The calculator gives an indicative cost of the flat alone and excludes food, transport, insurance or loan instalments. Treat the result as one component of your budget. For full planning, use a household budget or cost-of-living calculator.