Bookkeeping - Accountancy - Tax Calculation
Employee Capital Plans (PPK)
PPK is a voluntary retirement savings scheme launched by the Polish government in 2019. It is designed to supplement the public pension system (ZUS) by encouraging both employees and employers to contribute to a private retirement fund.
PPK applies to most employers in Poland, and enrollment is automatic for employees under the age of 55, although participation can be opted out of.
Easybooks sets up and manages your company’s PPK obligations — from employee enrollment and provider coordination to contribution handling and regulatory reporting — helping you stay compliant while supporting your team’s long-term financial security.
Bookkeeping - Accountancy - Tax Calculation
Who Contributes to PPK?
Employee
Employer
Polish Government
Bookkeeping - Accountancy - Tax Calculation
PPK – Key Features
Voluntary for employees
Mandatory for employers
Flexible
Portable
Private ownership
Bookkeeping - Accountancy - Tax Calculation
Employer Obligations
Sign an agreement with a selected financial institution (TFI).
Set up PPK accounts for eligible employees.
Calculate and transfer contributions monthly (employee + employer parts).
Inform employees about their rights, contributions, and investment options.
Enroll new hires automatically after 90 days of employment.
Bookkeeping - Accountancy - Tax Calculation
How PPK Affects Payroll
Calculate both employer and employee contributions.
Deduct the correct percentage from gross salary.
Transfer contributions to the selected PPK fund monthly.
Maintain compliance with reporting requirements.
Item | Amount (PLN) |
|---|---|
Gross salary | 8,000.00 |
Employer’s PPK contribution | 120.00 |
Total employer cost | 8,120.00 + social security |
Bookkeeping - Accountancy - Tax Calculation
Why Choose Easybooks for PPK Administration?
Assistance in selecting a PPK provider
Payroll system integration
Ongoing contribution calculation and reporting
Employee communication & documentation