JDG Tax Optimizer Poland 2026
Ryczalt, liniowy, skala + ZUS
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Compare the Polish progressive scale, 19% linear tax and registered lump-sum tax (ryczalt) side by side — and see which regime actually leaves you with more in 2026.
2026 brought new health-contribution floors, a new minimum ZUS base and further PIT changes. This calculator is built for Polish sole proprietors (JDG), freelancers and B2B contractors who have to re-choose a tax regime every year and do not want to leave money on the table.
Figures sourced from podatki.gov.pl and zus.pl. Updated January 2026.
FREE FEATURES
• Three-regime comparator side by side — real monthly and annual net income.
• Scale calculator: 12% up to 120,000 PLN, 32% above, 3,600 PLN tax reduction.
• Linear calculator: 19% flat, 4.9% health contribution deductible up to 14,100 PLN.
• Lump-sum calculator: 2–17% by activity, health tiered on average-wage brackets.
• PKWiU rate finder — search the lump-sum rate for your activity classification.
• ZUS Tracker — Ulga na Start (6 months), Preferential ZUS (24 months), Standard ZUS.
• 2026 social contributions: Preferential 456.18 PLN/month, Standard 1,926.76 PLN/month.
• 2026 health contribution: minimum 432.54 PLN for scale and linear; 498.35 / 830.58 / 1,495.04 PLN for lump sum.
• B2B vs UoP — real comparison of employment vs sole proprietorship at the same employer budget.
• 4% solidarity tax above 1,000,000 PLN base.
PREMIUM
A one-time purchase unlocks the advanced toolkit:
• Monthly Reserve — how much to set aside each month for PIT, health, ZUS.
• PIT-0 wizard — family 4+, return relief, working-senior relief (85,528 PLN cap). Youth PIT-0 relief is shown for context only — it does not cover sole-proprietorship income.
• Annual reserve plan — 12-month projection that accounts for ZUS phase transitions.
• Ad-free experience across every screen.
NOTE ON MALY ZUS PLUS
Maly ZUS Plus is modelled as an approximation (minimum rate). Accurate prior-year income-proportional calculation ships in v1.1.
DISCLAIMER
Informational only. Not tax advice. Consult a licensed Polish tax adviser for binding advice.
SUPPORT AND PRIVACY
Questions? Settings > Contact Support. Privacy policy: https://cosprosoftsplit.github.io/jdg-optimizer-legal/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
• The PKWiU rate finder is now available for free.
• In-App Events refresh for 2027 (new ZUS contributions).
• Minor fixes and stability improvements.
The developer, IVAN BOBAN, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
- Usage Data
- Diagnostics
Data Linked to You
The following data may be collected and linked to your identity:
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Financial Info
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- IVAN BOBAN
- Size
- 7 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
English and 3 more
- English, Polish, Russian, Ukrainian
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- JDG Optimizer Premium $4.99
- Copyright
- © 2026 Cosmic Production d.o.o.