B2B Contract Calculator
Fast, accurate and free online b2b contract calculator tool running directly in your browser.
-
1Enter data
Enter content, paste text or load a file from disk. -
2Click the button
The tool will immediately process your data in the browser. -
3Get the result
Copy the finished text or save the file to your device.
return "Result ready in 0.1s";
}
| Invoice net | 15 000,00 PLN |
| VAT 23% (transitive) | 3 450,00 PLN |
| Social Insurance Institution | −1 646,48 PLN |
| Health insurance | −654,32 PLN |
| Data (PIT) | −2 412,85 PLN |
| I'm left with | 10 286,35 PLN |
Estimates for the realities of 2026 (forecast of the national average/min.). Indicative values - do not constitute tax advice.
Rate this tool:
Related tools
Other tools you may find usefulB2B calculator 2026: how much is actually left on hand from the invoice?
If you settle B2B, you know that the "net amount on the invoice" sounds great... until you enter ZUS, health insurance and PIT. This B2B 2026 calculator allows you to see the monthly result in 10 seconds and stop guessing whether the "15k on invoice" offer is actually a comfort or just a nice headline in the advertisement.
free online without registration monthly and annual result B2B 2026 ZUS + health + PIT
The most important thing: this tool calculates "humanly" and shows the breakdown into contributions and taxes, not just one magic number. You choose the form of taxation (flat / scale / lump sum), set ZUS (relief / preferential / full), enter company costs and immediately see what eats up your invoice. And if you like to be in control - you can turn on voluntary sick leave and see how it affects the result.
What you enter (and why it matters)
The basis isthe net amount on the invoice. This is where the calculator calculates VAT (23%), and then moves on to the charges: Social Insurance Institution (ZUS), health insurance contribution (NFZ) and PIT advance payment. If you addcompany costs(e.g. equipment, office, fuel, services), then in a linear and scale manner they can actually reduce the tax base - and this is visible in the result.
In short: you don't need to know all the formulas. Just set the parameters as you have in your company - and the calculator will show the consequences.
What do you get at the output
On the right side you have a clear "dashboard":how much is left on hand (net)monthly and annually. Below you can see the breakdown into: net and gross invoice (including VAT), social insurance, health insurance, PIT and costs. Thanks to this, you can quickly compare scenarios such as "lump sum 12% vs. linear" or "full ZUS vs. preferential".
This is the moment when negotiations become easier: instead of "I think", you have a specific result.
How the B2B 2026 calculator works (without pouring water)
The calculator is made for a typical B2B situation in Poland: you have income from an invoice, subtract costs, subtract social insurance, count health insurance contributions and tax advances. At the end you get the amount "on hand". Additionally, the tool shows VAT so that you can see the full picture of the invoice (net → VAT → gross).
In practice, it looks like this:
- You determine the (net) income from the invoice.
- You add company costs (if you have them).
- You choose the ZUS variant: relief / preferential / full (and optional sickness benefits).
- You choose the form of taxation: linear, scale or lump sum with a rate.
- You get the net result and a breakdown of the elements that make it up.
Forms of taxation on B2B: what will change the result the most
This is the topic that makes the biggest difference. Two people with the same invoice of PLN 15,000 net may have different amounts on hand because they calculate health care and tax differently. The calculator allows you to jump between options in a second, so it's worth just comparing them - without digging through the regulations.
Flat tax (19%)
Flat tax is often chosen because it is predictable. In the calculator, the health insurance contribution is calculated as a percentage of the base (4.9%). Additionally, the tool takes into account a simplified health deduction from the base within a certain limit, thanks to which the tax does not increase as brutally as it might seem at first glance.
This is a good option if your costs are reasonable or you exceed the thresholds at which scale can be painful.
Tax scale (12% / 32%)
The tax scale can be great at the start or with lower income, because the first rate is lower. But when you enter a higher threshold, the difference can be felt. In the calculator, the health benefit on the scale is calculated as 9% and treated as non-deductible (in this simplified model), which may also surprise people accustomed to the old rules.
If you want to quickly check when the scale "stops tightening", simply shift the invoice amount and see how the PIT advance payment changes.
Registered lump sum
The lump sum is tempting due to its simplicity: you calculate tax on revenue, not on income. This is why costs work differently here - and "rescuing yourself with costs" does not always make sense. In the calculator, you select the rate (e.g. 12% for IT, 15% for consulting, etc.), and the health benefit is calculated on a lump sum as a fixed amount within a typical threshold (a practical simplification for quick comparisons).
Lump sum can be very profitable with high margin and low costs. If your company "runs on costs", be sure to compare it with a linear company.
"The best form" does not exist - your situation does
What works for your programmer friend may not work for you if you have different costs, a different lump sum rate, different ZUS or simply different goals (e.g. creditworthiness, stability, benefits). Therefore, instead of asking the Internet "what to choose", it is better to run your numbers through a calculator and see the difference in black and white.
This tool is for exactly that: comparing scenarios without pain.
ZUS 2026: relief, preferential or full? This is where the biggest emotions happen
There are months in B2B when you feel like you're working for ZUS. And unfortunately, this feeling doesn't come out of nowhere. In the calculator, you choose one of three variants:
Start-up tax relief- to put it simply: no social contributions, health benefits remain. This is often the "first breath" after switching from full-time employment to business.
Preferential ZUS– lower basis for social contributions. In practice, the difference can be clear, especially with average invoice amounts.
Full ZUS- the standard that hurts the most, but is the reality of most people after periods of relief.
In addition, there isvoluntary sick leave. In a calculator, it's a simple switch. If you turn them on, your net result goes down, but you gain continuity towards benefits. The best? You don't have to guess whether it's "a lot" - you'll just see the difference in dollars.
Example: PLN 15,000 net on an invoice - comparison of three forms (approximately)
To avoid abstractions, let's take a popular amount and count three variants. Below you have an example for:PLN 15,000 net, costs = PLN 0, full ZUS, sick leave excluded. The results are intended to capture the scale of differences and direction - ultimately, it is best to enter your costs and your ZUS (Social Insurance Institution).
| Scenario | On hand (monthly) | Social Insurance Institution | Health | PIT | Gross invoice (including VAT) |
|---|---|---|---|---|---|
| Linear 19% | ~ PLN 10,286 | ~ PLN 1,646 | ~ PLN 654 | ~ PLN 2,413 | PLN 18,450 |
| Scale 12%/32% | ~ PLN 10,179 | ~ PLN 1,646 | ~ PLN 1,202 | ~ PLN 1,973 | PLN 18,450 |
| Lump sum 12% | ~ PLN 11,046 | ~ PLN 1,646 | ~ PLN 750 | ~ PLN 1,557 | PLN 18,450 |
What does this mean? For this configuration, a 12% lump sum looks best "on the fly", but remember: the lump sum is sensitive to the rate and whether your costs matter at all (and often they don't). If you have high costs, the straight line may catch up with or overtake the flat rate. And that's why the calculator is convenient: instead of arguing in a vacuum, you do a test on your numbers.
Most common applications (i.e.: "who is it for?")
Comparison of a 12% flat rate with a straight-line rate when you have few costs and want to quickly see the net difference.
Test of lump sum rates (e.g. 15%) and the impact of ZUS on the result with high invoices and low costs.
Simulation of "start-up relief" vs. preferential ZUS - to know how much will actually be left in the first months.
Converting the offer "X on the invoice" into a specific amount on hand before you say "yes" or "no".
Checking the "net cash flow" monthly to better plan the buffer and installments.
Playing with costs: you enter company costs and immediately see whether they make a difference in your tax.
How to use the calculator step by step (seriously short)
- Enter the net amount on the invoice (monthly).
- Select the form of taxation: linear, scale or lump sum (and rate if lump sum).
- Set ZUS: relief / preferential / full.
- Add your business expenses (if you have them) and decide if you want sick leave.
- Look at In Hand and Breakdown - and compare 2-3 scenarios.
That's it. The best part? You don't need to write anything down. You just click/change and see the result.
Run the B2B 2026 calculator and calculate your resultFAQ – questions that come back every month
Is the "net amount on the invoice" the same as the "employer's cost"?
Not always. In practice, many advertisements say "budget" or "cost", but the conversation ends with the specific net amount on the invoice. This calculator is set up for the typical, most common case: you enternet on the invoiceand you get the net result immediately. If in your case the "cost" includes other elements (e.g. additional benefits, equipment, paid holidays), treat it as a separate topic to be clarified in the contract.
Why does the calculator show VAT when VAT is "not mine"?
Because VAT helps you see the full invoice (net → VAT → gross), and many people and companies operate on gross amounts. At the same time, the "on-hand" result is calculated based on the real burdens on your side (ZUS, health insurance, PIT and costs). VAT in this arrangement is informative - it is supposed to give a full picture of the document, not pretend that it is your remuneration.
Can I enter my business costs and see if it is "worth it" to incur them?
Yes – and this is one of the most practical applications. If you are on a linear or scale basis, costs reduce taxable income, so in many cases they actually reduce PIT (and sometimes other elements indirectly). But note: "it's worth it" does not mean "I spend PLN 1,000 and get PLN 1,000 back." You usually get some back in the form of lower tax. The calculator will show you the difference in the net result, so it will be easier for you to make a decision.
What is the difference between the start-up relief and the preferential ZUS result?
To put it simply: with the start-up tax relief, social security contributions are eliminated (health insurance remains), so the net result is sometimes higher. The preferential ZUS already includes social contributions, but they are calculated from a lower base, so it is still cheaper than with the full ZUS. The calculator allows you to switch these options with one click - and you will see the difference in PLN, without reading the interpretation.
Does voluntary sick leave significantly reduce your pay?
Depends on the ZUS variant and the contribution basis. In the calculator, sick leave acts as an additional premium when you turn on the switch. Sometimes it is an amount that you "swallow" because you want security and continuity, and sometimes you prefer to keep this money in a private buffer. The most sensible solution: turn it on/off and see how much the net result changes.
Is this B2B 2026 calculator “to the dollar”?
This tool is supposed to befast and practical, so it uses a simplified calculation model (especially where in real life there are limits, exceptions, annual settlements and nuances of a specific activity). If you need calculations for your declaration or the situation is unusual, treat the result as a solid simulation and starting point - and finalize the details with accounting. For comparisons of scenarios (linear vs. lump sum, 0 costs vs. X costs, preferential vs. full ZUS), the calculator works great.
A little piece of advice at the end (from B2B life)
The most common mistake is thinking "by eye". The second mistake is choosing a form of taxation because someone said that "it works for them". The best you can do is to put three scenarios into the calculator:zero costs, real costs i ambitious costs, and then compare linear/scale/flat rate. In 2 minutes you have an image that normally takes an hour to create - and often with a headache.
Calculate B2B 2026 again - with a different form and a different ZUS