Self-Employed ZUS Contributions Calculator
Calculate ZUS social and health insurance contributions for self-employed individuals in Poland. Covers standard ZUS, small ZUS plus, and preferential (reduced) ZUS.
Current for 2026Methodology →
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.
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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
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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