Financial Calculators
Fast, accurate, and completely free calculators to help you plan your finances. No sign-up required — everything runs right in your browser.
Mortgage Overpayment Calculator
See how much you can save by overpaying your mortgage. Compare shortening the loan period vs reducing monthly installments.
Overpay the Mortgage or Invest?
Find out what leaves you better off: overpaying your mortgage or investing the same money. With Polish capital gains tax and the break-even return.
Buy or Rent a Home?
Buy a flat with a mortgage, or rent and invest the difference? See which leaves you better off and after how many years buying pays off.
Polish treasury bonds calculator
Compare EDO, COI, TOS, ROS and ROD bonds from the current offer: profit after Belka tax, with inflation and early redemption.
Polish bank deposit calculator
What will a bank deposit earn after Belka tax? Interest at each capitalisation, renewals and a check against the latest GUS inflation.
Compound Interest Calculator
See how your savings grow with regular contributions — after inflation and Polish capital gains tax.
Polish inflation calculator
What is money from years ago worth today? Work out inflation in Poland between any two months since 1991, using up-to-date GUS data.
IKE, IKZE or PPK?
IKE, IKZE or an ordinary account: which leaves you more for retirement? With the IKZE tax refund, the limits and a PPK comparison.
FIRE Calculator
Find out when you can retire early. Calculate your FIRE number and see your path to financial independence.
Guides
Mortgages and housing
- When doesn't overpaying your mortgage pay off?
Overpaying a mortgage 'earns' its interest rate. We show with numbers when investing, an emergency fund or paying off other debt makes more sense.
- Overpaying a mortgage: shorten the term or lower the installment?
Overpaying your mortgage? We compare a shorter term, a lower installment and the snowball method: the interest each saves and when to choose which.
- Buy a flat or rent?
Buying or renting? Why 'rent is money down the drain' is a myth, what really decides the result and how to compare both on your own numbers.
Saving and inflation
- EDO or COI? Which Polish treasury bonds to choose
EDO, COI and TOS from this month's offer compared: after-tax returns at different inflation rates, early redemption fees and when each one pays off.
- Treasury bonds or a bank deposit — which pays more?
A bank deposit or Polish treasury bonds? After-tax returns at this month's bond offer and the NBP rate, plus risk, access to your money and inflation.
- The Belka tax — how it works and how to avoid it legally
The Belka tax is Poland's 19% tax on interest and investment gains. How it's charged on deposits, bonds and ETFs, and the legal ways around it.
- Inflation and your savings: what you really lose
What is 1,000 zł from 2010 worth today? GUS data shows how inflation eats savings, how to work out a real return and what protects money from inflation.
Investing and retirement
- IKE or IKZE — which one to choose?
IKE or IKZE? Contribution limits, the tax relief, the tax on withdrawal and a comparison in numbers for different incomes — and when to have both.
- Is PPK worth it?
PPK in numbers: what your employer and the state add, the tax you pay on it and what's left if you withdraw early. When opting out makes sense.
- The 4% rule — how much do you need for FIRE?
The 4% rule tells you how much capital lets you live off your investments. Where it comes from, what it assumes, how to adapt it for Poland and how long it takes.
- Compound interest — how it works and why time matters
Compound interest in practice: the formula, examples over 10, 20 and 30 years, the rule of 72 and the effect of fees, the Belka tax and inflation.
Current data in the calculators
NBP reference rate
3.75%
in effect from March 5, 2026
NBP (National Bank of Poland)
Polish bank deposit calculatorEDO / COI bonds, 1st year
5.35% / 4.75%
offer from October 2026
Ministry of Finance
Polish treasury bonds calculatorIKE / IKZE contribution limits
PLN 28,260 / PLN 11,304
for 2026
MRPiPS (Ministry of Family, Labour and Social Policy)
IKE, IKZE or PPK?Inflation, the NBP reference rate and the bond offer are updated automatically, and the calculators use them as their defaults right away.
Why Liczymy Finanse?
Free, no sign-up
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Your data stays with you
All calculations run in your browser. The amounts you enter are never sent or stored anywhere.
Built for Poland, open formulas
We calculate in PLN, with the Belka tax and income tax (PIT), IKE and IKZE limits, PPK rules, GUS inflation data and this month's treasury bond offer. Every calculator explains its formulas and assumptions.