UoP / UZ / Ud / B2B calculator
Compare what reaches you from the same monthly company budget. See gross amount, social and health contributions, PIT, business costs, and estimated take-home pay side by side.
Official 2026 references
Parameters are based on current Polish government and ZUS guidance checked on the date above.
Situations that change the result
Other income, joint filing, age relief, copyright costs, PPK, multiple insurance titles, disability, exact accident rate, annual health reconciliation, holidays and industry-specific lump-sum rates can materially change the result.
Informational estimate only. Confirm a real contract with payroll/accounting software or a qualified Polish adviser.Frequently Asked Questions about Polish Employment Contracts
What is the difference between UoP, UZ, Ud, and B2B?
Umowa o pracę (UoP) provides standard labour code protections and paid leave with full social security. Umowa zlecenie (UZ) is a civil services contract with social and health contributions (exempt for students under 26). Umowa o dzieło (Ud) is a task/result contract without social contributions. B2B is a sole proprietorship contract where you invoice clients directly and manage business costs and ZUS.
Why does the comparison start from company budget rather than gross pay?
Comparing from the employer's total budget provides an honest apples-to-apples comparison of what a business actually spends versus what lands in your personal bank account.
How does the health contribution (składka zdrowotna) differ on B2B?
On tax scale (skala) it is 9% of income. On linear PIT (liniowy) it is 4.9% of income. On lump-sum (ryczałt) it is a fixed monthly tier based on annual revenue.