One large or regular small mortgage overpayments: which works better?
Compare twelve monthly overpayments with one lump sum, including timing, total interest, the repayment schedule and cash flow. The article is available in Polish.
Read the articleHoryzont Finansowy knowledge base
Personal finance blog
Practical guides that help you move from tracking expenses to making conscious money plans.
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Our guides focus on real decisions involving budgets, goals, projects, loans and investments.
Mortgage overpayment: shorten the term or lower the instalment?
Compare instalments, interest, payoff time and cash flow after a mortgage overpayment. The article is available in Polish.
Read the articleOverpay a mortgage or invest? How to compare both scenarios
Compare a mortgage overpayment with investing the same amount, including tax, risk, liquidity, debt balance and monthly cash flow. The article is available in Polish.
Read the articleDivorce and ZUS, OFE, PPK, IKE and IKZE retirement savings
Learn how Polish retirement savings may be treated in a divorce. The article is available in Polish.
Read the articleWhat happens to ZUS, OFE, PPK, IKE and IKZE savings after death?
Learn which retirement assets form part of the estate, who receives them and what taxes may apply. The article is available in Polish.
Read the articleA household retirement plan: combining ZUS, OFE, PPK, IKE, IKZE and other investments
Combine benefits and private capital while avoiding double counting OFE in the ZUS forecast. The article is available in Polish.
Read the articleWithdrawing PPK savings after age 60: lump sum or 120 instalments?
Compare a 25% upfront payment, 100% in instalments and a full withdrawal, including tax and the effect on future contributions. The article is available in Polish.
Read the articlePPK, IKE and IKZE together: which one should you fund first?
A practical funding order covering emergency savings, expensive debt, taxes, annual limits and access to your money. The article is available in Polish.
Read the articleIs PPK worth it? Calculate employee, employer and state contributions
Compare the actual cost of PPK with the amount invested, including tax, state contributions and early returns. The article is available in Polish.
Read the articleHow to withdraw funds from IKE and IKZE without losing tax benefits
Learn the conditions for preferential withdrawals, the tax cost of an early return and the rules for instalments. The article is available in Polish.
Read the articleHow much is the IKZE tax deduction really worth?
Compare the current IKZE tax effect under progressive, flat-rate and lump-sum taxation. The article is available in Polish.
Read the articleHow to turn irregular expenses into a predictable financial plan
Annual budgets, recurring rules, goals and projects help prepare for insurance, holidays and other occasional costs. The article is available in Polish.
Read the articleEmergency fund: how much should it be and where should you keep it?
Calculate the right reserve, choose the number of months and monitor the goal and runway. The article is available in Polish.
Read the articleWhere does the money really go? A step-by-step spending analysis
Several months of spending, growing categories, small recurring costs, reports and budget overrun alerts. The article is available in Polish.
Read the articleHow to start a home budget without giving up after the first month?
A simple process: accounts, categories, plan and transactions. The article is currently available in Polish.
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