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Pensions

Secure your future

You can combine tax benefits with the potential of investment funds.

 

IKE

IKZE

PPK
Participation Voluntary Voluntary Voluntary
Funds ownership Private Private Private
Annual contribution limit in 2025 PLN 26,019 PLN 10,407.60 for those conducting non-agricultural activities: PLN 15,611.40 equivalent of 50,000 US dollars in PLN**
Contribution frequency You decide how much and when you want to contribute. You decide how much and when you want to contribute. monthly
Financial benefits
  • no capital gains tax
  • no inheritance and donation tax upon inheritance
  • no capital gains tax
  • payments in a given tax year can be deducted from the tax base (relief up to PLN 3,330.43 or PLN 4,995.65 for those running a business in 2025*)
  • no inheritance and donation tax upon inheritance (but a flat-rate tax of 10%)
  • no capital gains tax
  • subsidies from the state: welcome payment of PLN 250 and annual payment of PLN 240
You can withdraw funds earlier You can make a full or partial refund (19% capital gains tax will be charged on the refund). You can make a full refund (the amount received should be added to the income in the annual PIT settlement - taxation according to the tax scale). You can withdraw funds earlier:
  • for own contribution to the mortgage loan or in case of serious illness (maximum 25%),
  • without additional conditions (return with deductions: state subsidies and 30% of employer's contributions).
Withdrawal while retaining financial benefits
  • after reaching the age of 60 or 55 and acquiring pension rights
    and
  • deposits at least in any 5 years or making more than half of the value of deposits no later than 5 years before payment
  • after reaching the age of 65
    and
  • contributing to IKZE for at least 5 calendar years
  • taxation with a flat-rate tax of 10%
  • after reaching the age of 60 (25% one-off, the rest at least 120 instalments - in another form, it is necessary to pay capital gain tax)
Taxation on inheritance Without tax 10% flat-rate tax upon withdrawal Without tax

* the indicated amounts apply to the second tax threshold (32%)
** at the average exchange rate of the US dollar announced by the National Bank of Poland on the last business day preceding December 31 of the year preceding a given calendar year

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