Emerytura z ZUS: konto i subkonto podzielone przez średnie dalsze trwanie życia
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.Emeryturę z ZUS oblicza się, dzieląc zwaloryzowane składki z konta, kapitał początkowy i środki z subkonta przez średnie dalsze trwanie życia w miesiącach z tablicy GUS. Przy 740 000 zł i przejściu na emeryturę w wieku 65 lat to 3322,86 zł brutto. Kto ma 20 lat stażu (kobieta) lub 25 lat (mężczyzna), dostaje co najmniej 1978,49 zł.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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This calculator works out the monthly old-age pension ZUS pays under the defined-contribution formula, for anyone born after 1948.
The formula. Add the indexed contributions on your ZUS account, your indexed initial capital (kapitał początkowy, for work before 1999) and the money on your sub-account (subkonto). Divide the total by the average further life expectancy for your age at retirement, in completed years and months (art. 26 of the pension act). The table is the same for women and men.
The minimum pension. If the formula gives less than the minimum pension, 1,978.49 zł from 1 March 2026, ZUS raises it, provided a woman is at least 60 with 20 years, or a man at least 65 with 25 years, of contribution and non-contribution periods (art. 87).
The rest of the article, and all 6 questions about Kalkulator Emerytury ZUS 2026 (Poland), are on the Kalkulator Emerytury ZUS 2026 (Poland) page.
ZUS adds the indexed contributions on your account, the indexed initial capital and the sub-account, then divides the total by the average further life expectancy in months for your exact age at retirement, taken from the GUS table. With 740,000 zł at 65 that is 740,000 ÷ 222.7 = 3,322.86 zł.
Two hundred and twenty-two point seven months at exactly 65, and 268.9 months at exactly 60, in the GUS table of 25 March 2026. It applies to pension applications from 1 April 2026 to 31 March 2027 and is the same for women and men.
One thousand nine hundred and seventy-eight złoty 49 groszy a month from 1 March 2026. ZUS raises a lower pension to it when a woman is at least 60 with 20 years, or a man at least 65 with 25 years, of contribution and non-contribution periods.
Even without new contributions, the same money is divided by fewer months. At 66 the 2026 table gives 214.1 months instead of 222.7, so 740,000 zł pays 3,456.33 zł instead of 3,322.86 zł, about 4% more, and each year of work also adds contributions and indexation.
Rates and rules change; check the source before you rely on a figure.
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