Free IKZE calculator
See how much tax you get back with an IKZE
- 1
Enter your age
We count up to your 65th birthday, when you withdraw with a low 10% tax.
- 2
Pick your tax rate
Scale, flat or lump-sum – your rate decides how much you get back each year.
- 3
See the result
See how much you'll build up and how much you gain over a regular account.
How much will you gain with an IKZE?
You can withdraw from an IKZE with a 10% tax after your 65th birthday.
That's PLN 11,304 in 2026, about PLN 942 a month. The limit grows every year.
Business owners get a higher limit: PLN 16,956 in 2026.
Each year you get 12% of contributions back in your PIT return – about PLN 1,356 in 2026.
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 65, your IKZE could be worth
PLN 2,532,059
After the 10% tax you withdraw PLN 2,278,853. That's about PLN 1,066,937 in today's money.
- Your contributions
- PLN 1,020,980
- Investment gain
- PLN 1,511,079
- PIT refunds
- +PLN 122,518
- Payout tax (10%)
- −PLN 253,206
With an IKZE you gain PLN 156,417 more
Than on a regular account – PIT refunds and no capital gains tax, minus the 10% payout tax.
How your savings grow
Tip: pay your tax refund into an IKE each year – then it grows free of capital gains tax too.
This is a simulation, not a promise of returns. Real returns change from year to year.
Why save in an IKZE?
An IKZE gives you a tax benefit straight away – each year you deduct contributions from your income and get a refund in your PIT return. At payout you pay just 10% instead of capital gains tax.
A tax refund every year
Contributions lower your income tax – at the 32% rate you get almost a third of every złoty back.
Only 10% tax at payout
After age 65 you pay no capital gains tax, just 10% of the whole amount.
A great partner for an IKE
You can hold an IKE and an IKZE at the same time and use both limits.
Track your IKZE in FundStat
Import transactions from your broker and compare your IKZE's results with the market.
Frequently asked questions
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