PPK calculator

PPK calculator

Calculate the amount of your funds in PPK.
The data you enter into the calculator are not saved in any way.

How much would you like to receive monthly from PPK?

PLN

The age at which you join PPK

years

Your current gross salary

PLN

Your basic monthly contribution (% of gross salary)

Your basic monthly contribution to the PPK is of gross salary.

Your employer's basic monthly contribution is of gross salary.

Your additional voluntary monthly contribution (% of gross salary)

Employer's additional voluntary monthly contribution (% of gross salary)

Up to what age do you want to save in PPK?

years

Wiek, w którym przystępujesz do PPK nie może być wyższy od roku, do którego chcesz oszczędzać.

One-time payment after savings period ends

The withdrawal will be reduced by capital gains tax!

Planned period of monthly withdrawals (years)

years

The withdrawal will be reduced by capital gains tax!

Expected annual return from investment during savings period

years

Expected annual return during withdrawal period

years

Expected annual salary increase

%

Management fees

%

Together with your employer, you need to contribute:
%
You must save until:
year of life

A one-time withdrawal of the entire amount has been selected – change the settings if you want monthly withdrawals

Total funds accumulated in PPK:
PLN

With the provided parameters, you will not reach such a high monthly payout. The values for maximum contributions are shown below.

By withdrawing funds from PPK according to the declared division, you will receive a total of:

One-time payout:
PLN
and Monthly withdrawals from PPK:
PLN

Saving on your own will only put you off at this time:

PLN

TOGETHER it adds up faster!

Funds contributed by the employee:
PLN
Funds contributed by the employer:
PLN
Funds contributed by the state:
PLN
Earned profit:
PLN
Management costs incurred:
PLN
Capital gains tax:
PLN

Your funds with longer savings:

Two years longer:
PLN
Five years longer:
PLN


Investing involves risk. Santander PPK SFIO subfunds do not guarantee achievement of the intended investment objective or specific returns. Participants must be aware of the possibility of losing at least part of the contributed funds. When investing in investment funds, the participant purchases the units of those funds and not the underlying assets that the fund itself invests in.

Santander PPK SFIO subfunds are exposed to risks related mainly to fluctuations in market interest rates, credit risk, liquidity risk and share price fluctuations. Before making any investment decisions, please read the fund's prospectus, which includes a full list of risks.

Please note that the presented calculation of additional savings is an estimate.
Calculation assumptions:

  • Your basic (mandatory) contribution to the PPK: 2% of your gross remuneration (if your remuneration does not exceed 1.2 times the minimum wage – as January 2025, this amounts to PLN 4,666 – You will be given additional options to reduce your contribution below 2% of gross remuneration, even down to 0.5%).
  • The basic mandatory contribution of the employer to the PPK: 1.5% of your gross remuneration.
  • The projected annual rate of return in the withdrawal period: 2.75%.
  • The projected annual increase in remuneration: 2.8%.
  • The projected annual average rate of return in the investment period: 3.5%.
  • Management costs included: 0,50% (include no more than 0.10% success fee).


The calculations are purely indicative and simulate the value of accumulated capital in case of systematic contributions to the account of the PPK participant.

This document is presented for marketing purposes and does not constitute an agreement or an information document required by law.

It should not be relied upon as the sole basis for making investment decisions.

The contents of this subpage have been prepared on the basis of the Act of 4 October 2018 on Employee Capital Plans (PPK) and are up-to-date as at the date of their publication on the website. These contents do not constitute legal, financial or tax advice, nor do they replace the applicable provisions of law and should be each time interpreted and used in compliance with applicable legal regulations.

The net asset value of some sub-funds may exhibit high volatility, which results from the composition of the portfolio or the portfolio management technique employed. Some sub-funds may invest more than 35% of their assets in securities issued, guaranteed or underwritten by the State Treasury or the National Bank of Poland.

The rewards of investing in shares are also accompanied by risks. A description of the risk factors, financial data and information about fees and charges can be found in the prospectuses, key information documents (KIDs) and schedules of fees and charges available in Polish at Santander.pl/TFI/documents. For a summary of investors' rights, see the prospectus (Chapter III, sec. 4).

The Funds do not guarantee the achievement of a stated investment objective or a specific investment performance and future returns are subject to taxation, which depends on the personal situation of each investor and which may change over time. Before making an investment decision, the participant should consider the fees associated with the sub-fund and take into account the possible taxation of the investment return. The participant must also take into account the possibility of losing at least part of the invested funds.

When investing in mutual funds, the participant purchases the units of those funds and not the underlying assets that the fund itself invests in.