Required MRR
Enter your target take-home and find the MRR you actually need to hit it. Or see what you take home from a given MRR.
zł
600 paying customers
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PLN
%
Stripe Fees PLN 2,653
Standard (1.5%)
PLN 346
Transaction fees (PLN 1/txn)
PLN 2,307
VAT (Value Added Tax) PLN 4,314
VAT collected at 23% Revenue exceeds £200,000 threshold. Prices assumed VAT-inclusive.
PLN 4,314
Business Expenses (Monthly) PLN 45
Email Platform
PLN 30
Domain & SSL
PLN 15
Jednoosobowa Działalność Gospodarcza — most common structure for freelancers and founders. Unlimited personal liability. Uses progressive tax scale by default. Can alternatively choose 19% flat tax or lump-sum (ryczałt).
Taxes & National Insurance PLN 6,058
PIT (Income Tax - Progressive Scale) Progressive scale (skala podatkowa): 0% up to 30,000 PLN (tax-free amount modeled as allowance), 12% on 30,000–120,000, 32% above 120,000. Bracket values are pre-adjusted (120k - 30k allowance = 90k). 4% solidarity surcharge applies above 1,000,000 PLN (not modeled).
PLN 2,839
ZUS Social Contributions Mandatory ZUS social contributions (retirement, disability, sickness, accident, labour fund): ~1,774 PLN/month = ~21,288 PLN/year based on 60% of projected average salary. Fixed amount regardless of income. New businesses get 'Preferencyjny ZUS' (~443 PLN/month) for first 24 months. First 6 months ('Ulga na Start') exempt from ZUS entirely.
PLN 1,774
Health Insurance (Składka zdrowotna) 9% of income for progressive tax scale. Not deductible from tax. Minimum monthly contribution ~315 PLN. For flat tax: 4.9% (partially deductible). For lump-sum: fixed tiers based on revenue.
PLN 1,445
Optimization:
Consider a Merchant of Record for VAT
Your revenue exceeds the VAT threshold. A Merchant of Record like Paddle handles VAT collection and remittance, simplifying compliance.
Fees 12% Expenses Tax 45% Take-Home 43%
Required MRR PLN 23,071 /mo
Net Take-Home PLN 10,001 /mo PLN 120,009 /yr