IKE, IKZE and PPK — 2026 comparison
Compare limits, IKZE relief and projected balances at qualified withdrawal.
Sources and adopted values
Result breakdown
| Product | Own annual contribution | Annual IKZE relief | Balance after withdrawal tax |
|---|---|---|---|
| Fill in the fields above — the result is computed on this page. | |||
How do I use this page?
- Enter data and choose a variant.
- Click Calculate and inspect the breakdown.
What this page does not do: Not a profitability ranking: PPK has a different personal cost; income tax on employer contributions is not subtracted from capital. IKZE relief is outside the balance. IKE: age 60 or 55 with pension rights and contribution conditions; IKZE: 65 and contributions in five years; PPK: qualified withdrawal after 60. Early returns are not modelled.
Further reading
Theory — IKE, IKZE and PPK
IKE limit PLN 28,260; IKZE PLN 11,304 or PLN 16,956 for self-employment. Year-end contribution model. PPK: 2% employee plus 1.5% employer, no state bonuses. IKZE: 10% tax at qualified withdrawal. Ordinary account: 19% of positive gains at the end.
Frequently asked questions
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