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    IKE - Indywidualne Konto Emerytalne

    Zbuduj prywatną emeryturę odkładając pieniądze na IKE z funduszami w Polsce.


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    Z IKZE pieczesz dwie pieczenie na jednym ogniu. Odkładasz pieniądze na przyszłość i co roku zmniejszasz swój PIT. I pożytecznie. I przyjemnie.



    Jak obliczyć emeryturę?

    26.10.2023 | 5 min czytania

    Nawet jeśli ten temat wydaje Ci się bardzo odległy i mało interesujący, warto poświęcić kilka minut na to, żeby o emeryturze wiedzieć więcej.



    Nowe limity IKE i IKZE w 2024 r.

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    • PPK. Simply worth staying.

      On this website

      • You will learn how the auto-enrollment in Employee Capital Plans (PPK) works.

      • You will see how much money can you save by staying in the plan.
      • You will get answers to frequently asked questions
      • You will find some forms and documents to use.

      Auto-enrollment in PPK works as follows:

      • Every 4 years

        all those who opted out from PPK are enrolled again. It applies to employees between 18 and 55 years old.

      • Until the end of February 2023

        your resignation was valid. If you submit another resignation after this date, it will expire at the end of February 2027, and so on.

      • On March 1 this year

        the first auto-enrollment in PPK took place. Then your employer concluded on your behalf an agreement for running the Employee Capital Plan with a financial institution.

      You have an important decision to make:

      I'm staying in PPK

      and start collecting money for the future with the help of the employer and the state. 

      I want to opt out

      and resign from the opportunity to build private savings.

      How to opt out from PPK?

      • All you have to do is submit a declaration of resignation from making payments to PPK to your employer.
      • You can download the declaration form here.
      • You must take the printed and completed form to your employer, usually to the human resources department.

      When to submit the declaration?

      All declarations of resignation from PPK submitted before February 28 of the autoenrollment year, expire at the beginning of March. This means that if you submit such a declaration before that date, the employer will still enroll you in PPK.

      Wypełnij i złóż deklarację o rezygnacji z PPK 1 marca roku z autozapisem lub później. Jeśli jednak nie chcesz, żeby pracodawca odprowadził za Ciebie żadnej składki, nie zwlekaj.

      This works as follows:

      • 01

        If you do not have a PPK account, after March 1, the employer should immediately sign an appropriate agreement with the financial institution. However, this does not imply any specific date and depending on the company, it can vary significantly.

      • 02

        Your next salary paid after March 1, and if you have never been enrolled, then the next salary after signing the agreement by your employer, will be reduced by PPK contribution.

      • 03

        This contribution is to be transferred to the financial institution by the 15th day of the following month. For example, the contribution collected from the salary on March 10 is to be transferred to PPK account by April 15. But there are also companies that send contributions immediately - ask about it in human resources.

      • 04

        If you opt out from PPK after the contribution is deducted from your salary, but before it goes to the financial institution, these funds will be returned to you.


        What happens if I miss the deadline?


        It’s nothing to worry about. You can resign from PPK at any time, also after you have been enrolled in PPK and your first contributions have been paid. As in the first step - it is enough to submit a written declaration of resignation to the employer.

        If your employer has already sent your contributions to a financial institution, you will see the first savings in your account. Some of them, in the event of resignation, you can always withdraw. But maybe in this case it is worth giving PPK a chance and waiting with opting out?

        Facts and myths about PPK


        FACT: The money in PPK is the private property of the participants

        And it is guaranteed in PPK Act. The money can be used at any time, and after the age of 60 it can be withdrawn on preferential terms. What is very important, the money in PPK is fully inherited and without inheritance tax.


        MYTH: PPK is the second OFE (Open Pension Funds)

        These are two completely different programs. OFE is part of the pension system and an element of contributions paid to ZUS. PPK, in turn, is a private long-term saving program. Unlike OFE, in PPK you have constant access to the accumulated money.


        FACT: Participation in PPK slightly reduces the net remuneration

        PPK participants cover the payment to the program in the amount of 2% of their gross remuneration. In addition, you pay an advance on income tax from the employer’s contribution. If you earn PLN 5,000 gross, your salary will be lower by PLN 113 (PLN 100 is your contribution to PPK, and PLN 13 is an advance payment for tax on the employer’s contribution). This is a small cost compared to the benefits you get by participating in PPK.


        With PPK, you will collect private savings for the future.

        Think carefully if you want to opt out.

        Take into account that:

        ● state pensions are getting lower and lower.
        ● today’s 65-year-olds live on average more than another 16 years (data from the Polish Central Statistical Office).
        ● you need about PLN 1 million in savings to pay yourself an additional PLN 5,000 per month for 16 years.

        Over 3 million people are already participating in PPK.

        Do you want to know more?