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Employment vs Business Calculator

Comprehensive comparison of employment contract (UoP) vs B2B contract. Includes three B2B tax variants, different social security options, and paid leave.

Leave empty to use default rate for industry

e.g., accounting, office

Employment Contract Options

Employment: 20-26 days, Freelance: 0 days

Results

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PPK contributions are tax-exempt, making them an attractive form of saving.

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Calculate net salary from gross for employment contract. Includes social security, health insurance, and income tax.

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Calculate net amount for civil contracts: commission contract and work contract.

How does this calculator work?

Comprehensive comparison of employment contract (UoP) vs B2B contract. Includes three B2B tax variants, different social security options, and paid leave.

Free online calculator. Accurate calculations. Easy to use.

Frequently Asked Questions

The Employment vs Business calculator on estim.at supports three B2B tax variants: flat tax (12% for IT, 8.5% for other industries), linear tax (19%), and progressive tax scale (12%/32%). Each variant has different rules for calculating health insurance and cost of earning income.
The calculator includes three social security options: Standard (approximately 1400 PLN per month), Small (approximately 400 PLN per month), and Start Relief (exempt for first 6 months). The choice depends on how long you've been in business and meeting specific conditions.
Yes, the Employment vs Business calculator on estim.at allows you to include paid leave in the comparison. With an employment contract (UoP), you have the right to 20-26 days of paid leave per year, while with B2B there is typically no paid leave. The calculator subtracts the value of leave from B2B net salary to show a fair comparison.
The calculator allows you to enter monthly business costs (e.g., accounting, office), which are deducted from B2B net salary. By default, 500 PLN per month is assumed, but you can adjust this amount to your situation.