Current for 2026Last updated: 2026-06-09How we verify data: Methodology →

IKE and IKZE calculator

Updated: 9 June 2026

Calculate the benefits of an IKE or IKZE account: the tax relief, savings on the Belka tax and the projected balance at retirement.

Na tej stronie

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.

PIT relief: 9 388 × 32% = 3 004 zł of tax refund. Belka saving: no tax while you keep saving.

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.

Result is indicative. Contribution limits and rules may change — verify on gov.pl.

New
Compound interest calculator
Calculate compound interest: final value, interest earned and capital growth. Free calculator with monthly, quarterly and yearly compounding.
Savings and deposit calculators
New
Bank Deposit Calculator
Calculate bank deposit interest including 19% capital gains tax. Enter your principal, annual rate, and term in days to see your net profit and final payout.
Savings and deposit calculators
New
Polish Pension Calculator (ZUS)
Estimate your Polish ZUS pension. Enter your age, accumulated ZUS capital and years to retirement — instant forecast.
ZUS Calculators