Is 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 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.
How 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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