Private Pensions
IKE, IKZE and other retirement products. Plan your future independently with tax benefits.
Schedule Free ConsultationWho is it for?
- 1Working people wanting to save with tax benefits
- 2Entrepreneurs and freelancers without high ZUS contributions
- 3People planning early retirement
- 4Parents wanting to secure their children's future
ZUS pension averages 40% of your last salary. This may not be enough for a dignified life. Private retirement savings – IKE, IKZE, capital insurance – allow you to build additional capital with tax benefits. The earlier you start, the less you need to save monthly.
What It
Includes?
IKE – Individual Retirement Account
No capital gains tax (Belka tax) when withdrawing after age 60. 2026 contribution limit: PLN 23,472.
IKZE – Individual Retirement Security Account
Contributions are tax-deductible (up to PLN 4,506 per year at 32% PIT). 2026 contribution limit: PLN 9,388.80.
Capital Insurance
Flexible products combining protection with savings. Possibility of early withdrawals.
PPK and PPE
Support for companies in launching employee pension programs.
Frequently Asked
Questions
It depends on your tax situation. IKZE gives an immediate tax benefit (income deduction), but you'll pay 10% flat tax on withdrawal. IKE gives no benefit on contribution, but withdrawal after age 60 is completely tax-free. I often recommend both simultaneously.
In 2026, the limits are: IKE – PLN 23,472, IKZE – PLN 9,388.80 (PLN 14,083.20 for self-employed). In total, you can save over PLN 37,000 annually with tax benefits.
Funds are inherited by designated beneficiaries (or heirs). For IKE, heirs don't pay capital gains tax. For IKZE, they pay 10% flat tax. This is much more favorable than standard inheritance.
Yes, but with consequences. Early withdrawal from IKE means paying Belka tax (19%). From IKZE, you'll pay full income tax. That's why I treat IKE/IKZE as long-term savings.
You have several options: bank, TFI (investment funds), brokerage, insurance company. Each has its advantages. I help choose the best option depending on your risk profile and expectations.
Interested?
Let's Talk.
Schedule a free consultation. I will analyze your situation and propose the best solution from over 30 companies.
Other Services
Life Insurance
Financial protection for you and your family. Term, whole life, investment-linked, and group policies.
Health Insurance
Medical packages and critical illness insurance. Fast access to specialists and treatment.
Property Insurance
Protection for your home, apartment, and car. Comprehensive solutions for your assets.