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Polish Pension Calculator (ZUS)

This calculator provides a simplified forecast of your future ZUS pension based on your accumulated capital, projected growth and expected payout period. The result is indicative — for a detailed projection log in to PUE ZUS with your trusted profile.

Reviewed byRedakcja Liczbnik
Calculator
PLN
ResultEstimated monthly pension1,637.10PLN
Projected ZUS capital
432,194.24 PLN
Payout period (months)
264
Retirement age (years)
65

How we calculate the pension forecast

Projected capital = ZUS capital × (1 + 5%)^years_to_retirement. Expected life span after retirement = 20 years × 12 months. Monthly pension = projected capital ÷ payout months. The 5% growth is a modelling assumption — actual ZUS indexation may differ.

Pension forecast example

A 35-year-old with 100,000 PLN ZUS capital, 30 years to retirement. Projected capital: 100,000 × (1.05)^30 = 432,194 PLN. Expected payout period: 20 years × 12 = 240 months. Monthly pension: 432,194 ÷ 240 = 1,801 PLN/month.

Frequently asked questions about the ZUS pension

Indicative result

This calculator uses a heavily simplified model and is for informational purposes only. It does not account for OFE, the ZUS sub-account, official GUS life tables, legislative changes or individual circumstances. Treat the result as a starting point and consult a financial adviser or ZUS.

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