Guides
Answers to common money questions, worked out on current data: the treasury bond offer, GUS inflation and the NBP rate. Each guide leads to a calculator where you can check your own case.
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.