IKE / IKZE calculator
How much can you still pay into IKE and IKZE?
The contribution limit runs per calendar year. See what's left until the end of the year and how much IKZE takes off your tax.
IKE or IKZE at XTB?
Upload the account export (Account history, .xlsx) and we'll add up the deposits. The file never leaves your browser.
Limit
PLN 28,260.00
Paid in
PLN 0.00
Left until the limit
PLN 28,260.00
A contribution counts toward the year it reaches the account. In late December, send the transfer a few days early.
Keep the limit in view all year
AlphaInvestor shows your IKE and IKZE limit next to the portfolio, with stocks, ETFs and bonds from XTB, mBank and Bossa. Planned launch: January 2027. Join the list and we'll let you know.
Join the waitlist
AlphaInvestor launches on the App Store, planned for January 2027. Leave your email to get notified on launch day.
Contribution limits
| Year | IKE | IKZE | IKZE (self-employed) |
|---|---|---|---|
| 2026 | 28,260 zł | 11,304 zł | 16,956 zł |
| 2025 | 26,019 zł | 10,407.6 zł | 15,611.4 zł |
| 2024 | 23,472 zł | 9,388.8 zł | 14,083.2 zł |
When is the deadline to pay into IKE and IKZE for 2026?
A contribution counts toward a year's limit if it's booked on the account by 31 December. Bank transfers can take a day or two, so don't leave it to the last moment.
How much does IKZE save on PIT?
IKZE contributions are deducted in the return for the year they were made, up to the limit. On the tax scale and the flat tax they come off income, so your tax drops by the contribution times your rate: 12% or 32% on the scale, 19% on the flat tax. On the lump-sum tax (ryczałt) they come off revenue, so you save the contribution times your ryczałt rate, e.g. 12% or 8.5%.
Does IKE give a deduction when paying in?
No. The IKE benefit comes at withdrawal: once the statutory conditions are met, there's no tax on gains.
The calculator is for information only and isn't tax advice. It doesn't check things like whether the income or revenue the IKZE deduction comes off is high enough.