Polish ZUS pension from your account: capital ÷ GUS life expectancy, minimum and net
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.A Polish ZUS pension is the money on your account and sub-account divided by the average further life expectancy in months from the GUS table. With 740,000 zł at exactly 65, the 2026 table gives 222.7 months, so 3,322.86 zł gross a month, about 2,924.80 zł after health contribution and tax.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
Copy the amounts on your ZUS account and sub-account from PUE ZUS (eZUS), indexed to when you retire.
Pick woman or man and type your age at retirement in years and months.
Type your years of contributions, for the minimum pension.
Read the gross and net pension, and what one more year of work would change.
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 table. GUS publishes a new table every March; the one of 25 March 2026 applies to applications from 1 April 2026 to 31 March 2027. At 65 it gives 222.7 months, at 60 it gives 268.9 months, so retiring later divides the same money by fewer months. One more year after 65 raises 740,000 zł from 3,322.86 zł to 3,456.33 zł a month, before any extra contributions.
Where to find the amounts. The ZUS information on your account (PUE ZUS or eZUS) shows the indexed contributions, the initial capital and the sub-account. Use the figures you expect on the retirement date; the page does not project them.
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).
What comes off. ZUS deducts the 9% health contribution and a PIT advance of 12% of the pension less 300 zł a month, so a pension up to 2,500 zł pays no income tax. The page shows both.
What it does not do. The older table of the year you reached 60 or 65 when it is better, open pension funds, bridging pensions, the 13th and 14th pensions and the 32% tax band are not modelled. Pay while you are still working is covered by the Poland Salary Calculator.
Everything runs in your browser; nothing you type is sent anywhere.
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.
ZUS deducts a 9% health contribution and a monthly PIT advance of 12% of the pension, less 300 zł. A pension up to 2,500 zł therefore pays no tax; 3,322.86 zł gross leaves about 2,924.80 zł net.
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.
In the information on your account in PUE ZUS (eZUS), which shows the indexed contributions, the initial capital and the sub-account balance. ZUS also sends it once a year. Type the sums you expect on the day you retire.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Kalkulator Emerytury ZUS 2026 (Poland) and anybody who knows can answer. No account needed.
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