Compound interest calculator
Calculate compound interest: final value, interest earned and capital growth. Free calculator with monthly, quarterly and yearly compounding.
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Calculator · Savings
IKE and IKZE calculator
Calculate the benefits of an IKE or IKZE account: the tax relief, savings on the Belka tax and the projected balance at retirement.
How we calculate IKE/IKZE benefits
IKZE: relief = contribution × PIT rate. IKE: no Belka tax on withdrawal after age 60. Both: tax-free growth of capital.
Example: IKZE, contribution 9 388 zł (2026 limit), PIT 32%
PIT relief: 9 388 × 32% = 3 004 zł of tax refund. Belka saving: no tax while you keep saving.
Frequently asked questions
What is the difference between IKE and IKZE?
IKZE gives an upfront PIT deduction but is taxed at withdrawal; IKE has no deduction but withdrawals after age 60 are tax-free.
What are the contribution limits?
Both accounts have annual limits set by the government; IKE allows higher contributions than IKZE each year.
When can I withdraw the money?
For full tax benefits, withdraw from IKE after age 60 and from IKZE after age 65.
Is IKZE withdrawal taxed?
Yes, IKZE withdrawals are taxed at a flat 10% rate, instead of the standard 19% Belka tax.
Can I have both IKE and IKZE?
Yes, you can hold both at the same time and benefit from each separate limit and tax advantage.
What if I withdraw early?
Early withdrawal usually means losing the tax advantages and paying the standard Belka tax on the gains.
Indicative result
Result is indicative. Contribution limits and rules may change — verify on gov.pl.
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