The health contribution on ryczałt: three brackets, three numbers
Poland's 2026 health contribution on the ryczałt is 498.35, 830.58 or 1,495.04 zł a month. Each is 9% of a multiple of one GUS wage figure.
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Zus
ZUS on a JDG in 2026: ulga na start, preferential, full
Thirty months of ZUS relief for a new sole trader in Poland, then 1,926.76 zł a month. What each figure contains, and why ulga na start is not free cover.
Ryczałt at 12% for IT: the arithmetic and the crossover
The ryczałt taxes revenue, not profit, so Poland's 12% IT rate wins on low costs and loses on high ones. Here is where the crossover actually sits.
Opening a JDG as a foreigner: what you need and what you do not
Registering a JDG in Warsaw, Poland is free and takes an afternoon. The hard part is the eligibility check before it and the ZUS deadline after it.
Umowa o pracę, zlecenie or B2B in Warsaw: the decision
Which contract to sign in Warsaw, Poland. Umowa o pracę, umowa zlecenie and B2B differ on your residence permit, your ZUS and your take-home — in that order.