About this articleThis is short intro for people wanting to move to Poland.
WhyBecause of my activity on Calculla and few forums, I receive emails with questions about moving to Poland, taxes in PL (vs UK), driving rules, rent a house/flat rules etc.
I decided to share common answers in this article in plain English.
Accuracy of opinionsOpinions below are my own, plus discussed with others for accuracy.
Don't rely on text below as your only guidance for any decision.
Also, please don't argue about details.
Important disclaimerSome of those opinions may be considered very honest, direct and out of political correctness. It's about Poland written by Pole - not leftist mambo jambo.
I described things how I see them - if you're snowflake/leftist, if everything offends you, then bye bye, you're not welcome here. Seriously, go somewhere else, find you safe zone on Facebook or other "like only" environment...
Work in progressThis article is "forever in progress" as it's updated and extended from time to time. It is up to date as for 2018.
I'll add/modify content according to new thoughts and questions I receive.
Rent/buy a house or flat in Poland
Houses vs flatsIn Poland, the market of houses vs flats is a bit differently balanced than what you expect in US, UK, India etc.
Flats are a lot more popular (vs houses) comparing to other countries - this is probably because of less costs (heating !), convenience and some historical decisions. And flats are generally cheaper to rent/buy.
Houses are generally bigger than for example in UK: more rooms (3+) and meters (60+) - it's harder to find 1-2 rooms house than in other countries.
my advice: If you're looking for a place to stay and not overpay, consider flats over houses for practical reasons
ConcreteHouses/flats in Poland are mostly built with concrete, sometimes bricks. Forget UK's houses made-of-sticks (wood/timber) or US made-of-paper. Ok, I know they actually use timber in US, but using fist to punch a hole in a wall is not gonna work in Poland.
There is usually a lot of insulation - in walls and roof, so the heating is not that expensive. Also Polish houses don't burn to well - 2017 California style wild-fire will not happen in Polish cities.
Rental market is generally unregulatedSome markets are heavily regulated. For example, the "Assured Shorthold Tenancy" in UK stating about min rent of 6 months and many more rules.
In Poland, rents are not regulated. The deal/agreement you have with your landlord is free to have anything you both agree on.
AgentsAgents are just businesses. They are not needed for rent/buy transactions.
General rules for rent/buyPoles use square meters as main indication of flat/house value (forget about square feet in this country).
Poles count "rooms" not "bedrooms". We don't tell you how you want to use a particular room - is it bedroom or day room is up to you right ?
Other imporant things: Number of rooms, type of heating, number of bathrooms, access to parking/garage.
Deposit for rentTypical: 1 month of rent
Rental prices in PolandAs usual depends on city, location, time of the year, expectations etc.
Prices are in PLN or złoty (same thing, "PLN" is bank/forex name for "złoty").
A price of rent of flat/house per month in 2018 (this is very rough estimation, there are links below to find out by yourself)
- 800 - 1200 zł - 30 m2 flat, 1 room in any cheaper city (Zielona Góra, Białystok)
- 2000 zl - 60 m2 3 rooms in any cheaper city (Zielona Góra, Białystok)
- 1200 zl - 39 m2 1 room in big city (Wroclaw, Łódź)
- 2000 zl - 4000 zl - 70 m2 3 room in big city (Wroclaw, Łódź)
- 5000 zl - 100 m2 - 4 room in big city (Wroclaw, Łódź)
- 2700 zl - 59 m2 - 3 rooms in Warsaw (capital of Poland)
- 3000 zl - 10000zl 60m2-120m2 - 3-4 room house in Wroclaw
LinksJust google for "mieszkania wynajem Wrocław" if you want to rent a flat in Wroclaw.
Or google for "dom kupno Warszawa" if you want to buy a house in Warszawa.
- wynajem = rent
- kupno, kupić = buy
- mieszkanie = flat
- dom = house
- pokój = room (pokoje = rooms)
- cena, stawka = price
Education in PolandEducation is generally free.
There are private (paid) schools, but that's not very popular (need some numbers here...).
Years/levels/grades of educationMandatory education starts at 6 - 7 year. Kids go to primary school (currently for 8 years) and that is the only mandatory part of education in Poland.
Then there is secondary school (roughly 15-20 year) and the high-school/university (19-25 year). And yes, universities level of education is also free !
Language in educationExpect 99.9% Polish. Kids learn bits of English, German, Russian or other - depends on school.
Uni: may be some lectures in English, but don't expect to much of it.
Salary, job, work, taxes in Poland
Full employment - or 'a job'Minimal 2018 salary is 2.100 PLN
Average 2017 salary roughly 4.500 PLN
Software engineer in Poland: 3.000 - 20.000 PLN
Work month is 168 hours, so 8 hours/day. Everything above that is/should be generally paid as overtime.
Holidays: 26 days of holidays per year - with some exceptions
Salary vs taxSalaries are generally agreed as "brutto". So, on your agreement (get the paper!) the agreed salary is "brutto". Brutto means "with tax".
In typical circumstances around 20%-40% is taken from brutto salary for various taxes and contributions.
You'll pay income tax, ZUS (pension, disability and sickness insurance), NFZ (medical/health insurance).
Of course, in typical case, your employer will pay/declare everything for you
Detailed description with full calculator of on calculla.
You're tax resident in PolandIn 95% of cases, if you're employed in Poland, you're paying taxes in Poland. Period. No workarounds - they'll get you if you try.
About dual taxation - find correct agreement of Polish vs your-country authorities. If you're lucky, you don't have to pay anything more than you earned in Poland.
Self employment (contracting) in PolandSelf employment is popular in some sectors. IT is good example.
It makes sense to be self-employed, drive your own small company, because:
- the accountancy is quite simple and accountant is quite cheap (expect 100 - 200 PLN a month)
- there is a lot of expenses allowed to claim as bussiness expenses (travel, car, mobile, internet, laptop, other equipment)
- there are few different "modes" of taxation for self-employed (progressive, linear and something else) and YOU decide which one you want. Picking linear gives you flat 19% income tax. Also VAT is involved.
- you pay also ZUS (insurances) - expect roughly 1k a year, however there is reduced rate (think 500 PLN) for new companies (first 2 years of a company)
Comparison of contracting in Poland to UK:
- forget about umbrella, forget about limited company, forget about IR35 - it all doesn't matter here
- don't talk to agencies which want to sit in the middle of your earnings, ignore strange companies trying to sit in the middle between you and your client. Talk to clients directly or talk to those agencies, which will contact you with their client and get paid ONCE for the job done, not get the margin on top of your rate. It's different market !
- invoicing monthly in most cases, net + VAT (VAT is "transparent" for most companies)
Health, medical insurance, public health care system in Poland
Public systemGenerally, health care is free for people paying NFZ. This means if you legally work (and your employer is paying all mandatory contributions) - you're entitled to use full Polish public health system.
In many cases the public system works:
it's quite easy to get the correct treatments for common stuff. All world's drugs are accessible (although NOT free!). Medical stuff is generally well trained.
In many cases it doesn't work:
it may be hard to get to some specialists or expensive equipment.
Hard means - a lot of waiting. But it's not a rule, more like a typical pain of public health care.
Private health careSome better companies will include costs of additional private health care in the salary. So, if you're IT engineer, it's common to have the private health insurance paid by employer.
It's good to have that, it's good to use that, but don't think it's a mandatory thing. Most people live without it and they are quite healthy.
My wayAt the moment I live in UK, but I go to Poland to do most of the plannable stuff related to health care.
It's because UK is generally that bad, and PL is generally that good.
Dental care is great - really fix your teeth in Poland. Think 100 - 200 PLN for simple dental thing done without any insurance.
It's easier/cheaper to get stuff like blood tests done.
- health = zdrowie
- hospital = szpital
- medication = leki, leki
- sickness = choroba
Cars, roads, speed limits, driving licenses in PolandYou drive on the right side.
You stop on the red light.
The pedestrian is ALWAYS first. The pedestrians don't cross on red light (really hard to believe if you're from UK).
You drive on the most right lane of the motorway (again - UK/India people, understand that) - other lanes are for take-over only, then you get back to the right lane.
Speed limits in Poland50 km/h in the city (60 in the middle of night)
90 km/h out of the city
100 km/h on 1-carriageway express-road
120 km/h on 2-carriageway express-road
130 km/h on motorway
In progress: Cost of Car buying, rules on the road, culture of driving
CultureIn progress: language, food, say 'hi how are you?', religion and racism
Have a question ?Have a question ? Email me. I'll answer interesting questions here.
Need a consultation ? Contact me.
Need to thank me ;) ? Email please, and link to that art on your blog/facebook page or wherever you can.
Ideas, to add, future editsMobiles & cell phones
Food, McDonald's (Wiesmac!)