Poland Freelancer: Fees, Taxes & Net Pay Example
Updated 2026-09-27 · Illustrative USD invoice · Not tax advice
Poland does not use a single flat PIT for most freelancers. Income tax scales (12% / 32% brackets) and ZUS social contributions depend on your legal form (JDG, B2B, etc.). The table below is a teaching example only.
We use 26% on the amount after platform and payout fees as a rough combined set-aside (tax + social). Replace it with your real effective rate in the calculator.
Upwork → Wise → mBank (PLN account)
Upwork (10%) · Wise (~1%) + mBank (~0.2%)
$658.02
Upwork → Wise → mBank (PLN account)
Upwork (10%) · Wise (~1%) + mBank (~0.2%)
| Step | Amount (USD example) |
|---|---|
| Client pays (gross) | $1000.00 |
| Platform fee | −$100.00 |
| After platform | $900.00 |
| Withdrawal / payout fee | −$9.00 |
| Bank fee | −$1.78 |
| Tax set-aside (26% illustrative) | −$231.20 |
| You keep (net) | $658.02 |
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Opens the homepage tool with Poland and this page's example scenario pre-filled. Adjust gross, fees, or tax % anytime.