Free IKE calculator

See how much your IKE can earn in seconds

  1. 1

    Enter your age

    We count up to your 60th birthday, when you can withdraw tax-free.

  2. 2

    Choose contributions

    Pay in the full yearly limit or your own monthly amount.

  3. 3

    See the result

    Instantly see how much you'll build up and how much tax you'll save.

How much will you save for retirement?

years

You can withdraw from an IKE tax-free after your 60th birthday.

That's PLN 28,260 in 2026, about PLN 2,355 a month. The limit grows every year.

We assume 6% a year. Options show the average up to 2025, in PLN with dividends. Past returns don't guarantee future ones.

Your result

At age 60, your IKE could be worth

PLN 4,146,698

That's about PLN 1,976,908 in today's money.

Your contributions
PLN 1,877,561
Investment gain
PLN 2,269,137

With an IKE you keep PLN 431,136 of tax

That's what the 19% capital gains tax on the gain would cost on a regular account.

How your savings grow

Tip: try a few options – after 30 years the gap between cautious and bold investing can be huge.

This is a simulation, not a promise of returns. Real returns change from year to year.

Why save in an IKE?

An IKE is one of the simplest legal ways to avoid tax on investment gains. The calculator shows what that relief is worth in your situation – in złoty, not percentages.

  • No 19% tax on gains

    After age 60 you withdraw your whole gain free of capital gains tax.

  • Compounding works longer

    Money that doesn't go to the tax office keeps earning more, year after year.

  • Pay in whenever you like

    There's no obligation to contribute regularly – you decide how much and when, up to the yearly limit.

  • Track your IKE in FundStat

    Import transactions from your broker and compare your IKE's results with the market.

Frequently asked questions

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