Employment net
8,510 PLN
Yearly: 102,124 PLN
Paid vacation depends on your contract
B2B vs employment in Poland
B2B vs employment contract Poland calculator
Compare a Polish employment contract with B2B cooperation. See monthly and yearly net income, break-even invoice, taxes, ZUS, business costs and unpaid breaks.
Educational estimate only. It is not tax, legal, accounting or immigration advice. Before choosing a contract model in Poland, speak with a qualified accountant or advisor.
Quick answer
B2B can pay more net than an employment contract, especially at higher incomes, but it usually moves accounting, ZUS, taxes, unpaid leave, sick days and downtime risk onto you. The break-even invoice is often more useful than the headline net amount.
Work contract comparison
B2B vs employment contract calculator
Compare a Polish employment contract with a B2B invoice. The model includes taxes, ZUS, business costs and unpaid breaks.
Result
B2B gives about 519 PLN more per month.
The financial difference is modest. In that case, stability, paid leave, employee protection and business risk may matter more.
B2B net
9,030 PLN
Before unpaid breaks: 9,665 PLN
Yearly after breaks: 108,357 PLN
Difference
+519 PLN
Yearly: +6,234 PLN
+6% vs employment
B2B break-even
15,300 PLN
Minimum net invoice
after costs and breaks
B2B tax
2,413 PLN
ZUS
2,300 PLN
Health contribution
622 PLN
Gross invoice with VAT
19,680 PLN
What the calculator does not decide for you
Employment contract
- - more predictable pay
- - paid vacation and employee protection
- - less paperwork
- - usually less flexibility for tax planning
B2B
- - often higher net income at higher rates
- - business costs can reduce taxable base
- - more flexibility and more responsibility
- - vacation, downtime and sick leave require your own buffer
FAQ
Is B2B always better than an employment contract in Poland?
No. B2B can give higher net income, but you need to account for ZUS, taxes, business costs, unpaid vacation, sick leave, downtime and weaker employee protection.
What is a B2B contract in Poland?
In common market language, B2B usually means cooperation through your own business activity, often as a sole proprietor issuing invoices to a company.
Do B2B contractors get paid vacation?
Usually not automatically. Paid time off depends on the contract. In many cases, days without work are days without revenue.
Does VAT change my B2B income?
For B2B work with companies, VAT is often neutral for the worker, but it changes the gross invoice amount and accounting obligations.
Does this replace an accountant?
No. The calculator is a simplified educational estimate and should not replace advice from a Polish accountant or tax advisor.