Jawny Kalkulator PPK (Pracowniczych Planów

opacowany przez: www.pieniadzepodkontrola

Parametry startowe

Twój wiek na początku oszczędzania 35 lat

Twój wiek na końcu oszczędzania 60 lat
aktualne wynagrodzenie brutto 4,210.00 PLN
roczny wzrost wynagrodzenia 2.80 %
wpłata powitalna 250 PLN
dopłata roczna 240 PLN
roczny wzrost dopłaty 0.00 %
podstawowy udział pracownika 2.00 %
dodatkowy udział pracownika 0.00 %
podstawowy udział pracodawcy 1.50 %
dodatkowy udział pracodawcy 0.00 %
roczna stopa zwrotu z inwestycji 4.10 %
koszt zarządzania funduszem 0.60 %
inflacja 2.00 %
podatek od dochodów kapitałowych 19.00 %

Szczegóły obliczeń jawnego kalkulatora

Roczna wysokość wpłaty

Rok Wynagrodzenie Pracownika Pracodawcy Państwa Suma Rok
[PLN] [PLN] [PLN] [PLN] [PLN]
1 4,210.00 1,010.40 757.80 490.00 2,258.20 1
2 4,327.88 1,038.69 779.02 240.00 2,057.71 2
3 4,449.06 1,067.77 800.83 240.00 2,108.61 3
4 4,573.63 1,097.67 823.25 240.00 2,160.93 4
5 4,701.70 1,128.41 846.31 240.00 2,214.71 5
6 4,833.34 1,160.00 870.00 240.00 2,270.00 6
7 4,968.68 1,192.48 894.36 240.00 2,326.84 7
8 5,107.80 1,225.87 919.40 240.00 2,385.28 8
9 5,250.82 1,260.20 945.15 240.00 2,445.34 9
10 5,397.84 1,295.48 971.61 240.00 2,507.09 10
11 5,548.98 1,331.76 998.82 240.00 2,570.57 11
12 5,704.35 1,369.04 1,026.78 240.00 2,635.83 12
13 5,864.07 1,407.38 1,055.53 240.00 2,702.91 13
14 6,028.27 1,446.78 1,085.09 240.00 2,771.87 14
15 6,197.06 1,487.29 1,115.47 240.00 2,842.77 15
16 6,370.58 1,528.94 1,146.70 240.00 2,915.64 16
17 6,548.95 1,571.75 1,178.81 240.00 2,990.56 17
18 6,732.32 1,615.76 1,211.82 240.00 3,067.58 18
19 6,920.83 1,661.00 1,245.75 240.00 3,146.75 19
20 7,114.61 1,707.51 1,280.63 240.00 3,228.14 20
21 7,313.82 1,755.32 1,316.49 240.00 3,311.81 21
22 7,518.61 1,804.47 1,353.35 240.00 3,397.82 22
23 7,729.13 1,854.99 1,391.24 240.00 3,486.23 23
24 7,945.55 1,906.93 1,430.20 240.00 3,577.13 24
25 8,168.02 1,960.33 1,470.24 240.00 3,670.57 25
26 8,396.73 2,015.21 1,511.41 240.00 3,766.62 26
27 8,631.83 2,071.64 1,553.73 240.00 3,865.37 27
28 8,873.53 2,129.65 1,597.23 240.00 3,966.88 28
29 9,121.98 2,189.28 1,641.96 240.00 4,071.23 29
30 9,377.40 2,250.58 1,687.93 240.00 4,178.51 30
31 9,639.97 2,313.59 1,735.19 240.00 4,288.79 31
32 9,909.89 2,378.37 1,783.78 240.00 4,402.15 32
33 10,187.36 2,444.97 1,833.73 240.00 4,518.69 33
34 10,472.61 2,513.43 1,885.07 240.00 4,638.50 34
35 10,765.84 2,583.80 1,937.85 240.00 4,761.65 35
36 11,067.29 2,656.15 1,992.11 240.00 4,888.26 36
37 11,377.17 2,730.52 2,047.89 240.00 5,018.41 37
38 11,695.73 2,806.98 2,105.23 240.00 5,152.21 38
39 12,023.21 2,885.57 2,164.18 240.00 5,289.75 39
40 12,359.86 2,966.37 2,224.77 240.00 5,431.14 40
41 12,705.94 3,049.42 2,287.07 240.00 5,576.49 41
42 13,061.70 3,134.81 2,351.11 240.00 5,725.92 42
43 13,427.43 3,222.58 2,416.94 240.00 5,879.52 43
44 13,803.40 3,312.82 2,484.61 240.00 6,037.43 44
45 14,189.89 3,405.57 2,554.18 240.00 6,199.76 45
46 14,587.21 3,500.93 2,625.70 240.00 6,366.63 46
47 14,995.65 3,598.96 2,699.22 240.00 6,538.17 47
48 15,415.53 3,699.73 2,774.80 240.00 6,714.52 48
49 15,847.17 3,803.32 2,852.49 240.00 6,895.81 49
50 16,290.89 3,909.81 2,932.36 240.00 7,082.17 50
wniczych Planów Kapitałowych)
pieniadzepodkontrola.pl

Efekt oszczędzania w PPK Porównanie kapitał

Zgromadzony kapitał 105,627.94 PLN

Jednorazowa wypłata 25.00 % kapitał dostępny przy wcześnie
Wartość jednorazowej wypłaty 26,406.98 PLN

Kapitał początkowy do wpłat 79,220.95 PLN

Czas trwania wypłat 10.00 lat

Oprocentowanie kapitału do wypłat 3.35 %

Wartość miesięcznej wypłaty 755.70 PLN

Siła nabywcza na początku wypłat 456.04 PLN

Siła nabywcza na końcu wypłat 372.62 PLN
Siła nabywcza jednorazowej wypłaty 15,935.68 PLN

ego kalkulatora PPK

Suma wpłat narastająco Odsetki rocznie

Pracownika Pracodawcy Państwa Suma Rok Pracownika Pracodawcy
[PLN] [PLN] [PLN] [PLN] [PLN] [PLN]
1,010.40 757.80 490.00 2,258.20 1 17.97 13.48
2,049.09 1,536.82 730.00 4,315.91 2 55.05 41.29
3,116.87 2,337.65 970.00 6,424.52 3 94.47 70.85
4,214.54 3,160.90 1,210.00 8,585.44 4 136.33 102.25
5,342.95 4,007.21 1,450.00 10,800.15 5 180.77 135.58
6,502.95 4,877.21 1,690.00 13,070.16 6 227.90 170.92
7,695.43 5,771.57 1,930.00 15,397.00 7 277.84 208.38
8,921.30 6,690.98 2,170.00 17,782.28 8 330.73 248.04
10,181.50 7,636.12 2,410.00 20,227.62 9 386.70 290.02
11,476.98 8,607.74 2,650.00 22,734.72 10 445.90 334.43
12,808.74 9,606.55 2,890.00 25,305.29 11 508.48 381.36
14,177.78 10,633.34 3,130.00 27,941.12 12 574.60 430.95
15,585.16 11,688.87 3,370.00 30,644.03 13 644.41 483.31
17,031.94 12,773.96 3,610.00 33,415.90 14 718.09 538.56
18,519.24 13,889.43 3,850.00 36,258.67 15 795.80 596.85
20,048.18 15,036.13 4,090.00 39,174.31 16 877.75 658.31
21,619.92 16,214.94 4,330.00 42,164.87 17 964.11 723.08
23,235.68 17,426.76 4,570.00 45,232.44 18 1,055.08 791.31
24,896.68 18,672.51 4,810.00 48,379.19 19 1,150.88 863.16
26,604.19 19,953.14 5,050.00 51,607.33 20 1,251.72 938.79
28,359.51 21,269.63 5,290.00 54,919.14 21 1,357.82 1,018.36
30,163.97 22,622.98 5,530.00 58,316.95 22 1,469.42 1,102.06
32,018.96 24,014.22 5,770.00 61,803.19 23 1,586.76 1,190.07
33,925.89 25,444.42 6,010.00 65,380.32 24 1,710.09 1,282.57
35,886.22 26,914.66 6,250.00 69,050.88 25 1,839.69 1,379.77
37,901.43 28,426.08 6,490.00 72,817.51 26 1,975.82 1,481.87
39,973.07 29,979.81 6,730.00 76,682.88 27 2,118.77 1,589.08
42,102.72 31,577.04 6,970.00 80,649.76 28 2,268.85 1,701.63
44,292.00 33,219.00 7,210.00 84,720.99 29 2,426.35 1,819.76
46,542.57 34,906.93 7,450.00 88,899.50 30 2,591.60 1,943.70
48,856.16 36,642.12 7,690.00 93,188.29 31 2,764.94 2,073.71
51,234.54 38,425.90 7,930.00 97,590.44 32 2,946.72 2,210.04
53,679.50 40,259.63 8,170.00 102,109.13 33 3,137.30 2,352.98
56,192.93 42,144.70 8,410.00 106,747.63 34 3,337.07 2,502.80
58,776.73 44,082.55 8,650.00 111,509.28 35 3,546.40 2,659.80
61,432.88 46,074.66 8,890.00 116,397.54 36 3,765.72 2,824.29
64,163.40 48,122.55 9,130.00 121,415.95 37 3,995.45 2,996.59
66,970.38 50,227.78 9,370.00 126,568.16 38 4,236.03 3,177.02
69,855.95 52,391.96 9,610.00 131,857.91 39 4,487.93 3,365.95
72,822.31 54,616.73 9,850.00 137,289.05 40 4,751.62 3,563.71
75,871.74 56,903.80 10,090.00 142,865.54 41 5,027.60 3,770.70
79,006.55 59,254.91 10,330.00 148,591.46 42 5,316.39 3,987.30
82,229.13 61,671.85 10,570.00 154,470.98 43 5,618.54 4,213.90
85,541.95 64,156.46 10,810.00 160,508.40 44 5,934.59 4,450.95
88,947.52 66,710.64 11,050.00 166,708.16 45 6,265.15 4,698.86
92,448.45 69,336.34 11,290.00 173,074.79 46 6,610.80 4,958.10
96,047.41 72,035.56 11,530.00 179,612.96 47 6,972.19 5,229.14
99,747.13 74,810.35 11,770.00 186,327.49 48 7,349.96 5,512.47
103,550.45 77,662.84 12,010.00 193,223.30 49 7,744.81 5,808.61
107,460.27 80,595.20 12,250.00 200,305.47 50 8,157.43 6,118.08
 Porównanie kapitałów z różnych form oszczędzania

kapitał dotępny z PPK 105,627.94 PLN

kapitał dostępny przy wcześniejszej wypłacie z PPK 77,774.20 PLN
kapitał z samodzielnego oszczędzania 54,115.99 PLN

Odsetki rocznie Kapitał narastająco

Państwa Suma Rok Pracownika Pracodawcy Państwa Suma
[PLN] [PLN] [PLN] [PLN] [PLN] [PLN]
8.71 40.16 1 1,028.37 771.28 498.71 2,298.36
22.01 118.34 2 2,122.11 1,591.58 760.72 4,474.41
31.32 196.64 3 3,284.35 2,463.26 1,032.04 6,779.65
40.97 279.56 4 4,518.35 3,388.77 1,313.02 9,220.14
50.97 367.32 5 5,827.53 4,370.65 1,603.99 11,802.17
61.32 460.14 6 7,215.43 5,411.57 1,905.30 14,532.31
72.03 558.25 7 8,685.75 6,514.31 2,217.34 17,417.40
83.13 661.90 8 10,242.35 7,681.76 2,540.47 20,464.58
94.62 771.35 9 11,889.25 8,916.93 2,875.09 23,681.27
106.53 886.86 10 13,630.63 10,222.97 3,221.62 27,075.22
118.85 1,008.70 11 15,470.87 11,603.15 3,580.47 30,654.49
131.61 1,137.16 12 17,414.51 13,060.88 3,952.09 34,427.48
144.83 1,272.55 13 19,466.30 14,599.72 4,336.92 38,402.94
158.52 1,415.17 14 21,631.17 16,223.38 4,735.44 42,589.98
172.69 1,565.35 15 23,914.27 17,935.70 5,148.13 46,998.10
 187.37 1,723.43 16 26,320.95 19,740.71 5,575.50 51,637.17
202.57 1,889.76 17 28,856.81 21,642.61 6,018.07 56,517.49
218.31 2,064.71 18 31,527.65 23,645.74 6,476.39 61,649.77
234.61 2,248.65 19 34,339.53 25,754.65 6,951.00 67,045.18
251.49 2,442.00 20 37,298.75 27,974.07 7,442.49 72,715.31
268.97 2,645.16 21 40,411.89 30,308.92 7,951.47 78,672.28
287.08 2,858.56 22 43,685.77 32,764.33 8,478.55 84,928.65
305.82 3,082.65 23 47,127.52 35,345.64 9,024.37 91,497.54
325.24 3,317.90 24 50,744.55 38,058.41 9,589.61 98,392.57
345.34 3,564.80 25 54,544.56 40,908.42 10,174.95 105,627.94
366.16 3,823.85 26 58,535.60 43,901.70 10,781.11 113,218.41
387.72 4,095.57 27 62,726.01 47,044.51 11,408.83 121,179.35
410.05 4,380.53 28 67,124.51 50,343.38 12,058.87 129,526.76
433.17 4,679.27 29 71,740.13 53,805.10 12,732.04 138,277.26
457.11 4,992.41 30 76,582.31 57,436.73 13,429.15 147,448.18
481.90 5,320.55 31 81,660.84 61,245.63 14,151.05 157,057.52
507.58 5,664.34 32 86,985.94 65,239.45 14,898.63 167,124.01
534.17 6,024.45 33 92,568.21 69,426.16 15,672.79 177,667.16
561.70 6,401.57 34 98,418.70 73,814.03 16,474.49 188,707.22
590.22 6,796.42 35 104,548.90 78,411.68 17,304.71 200,265.29
619.74 7,209.76 36 110,970.77 83,228.08 18,164.45 212,363.31
650.32 7,642.36 37 117,696.75 88,272.56 19,054.78 225,024.08
681.99 8,095.05 38 124,739.75 93,554.81 19,976.76 238,271.33
714.78 8,568.66 39 132,113.25 99,084.94 20,931.54 252,129.74
748.74 9,064.07 40 139,831.24 104,873.43 21,920.28 266,624.95
783.91 9,582.21 41 147,908.26 110,931.20 22,944.19 281,783.65
820.32 10,124.01 42 156,359.46 117,269.60 24,004.51 297,633.58
858.04 10,690.48 43 165,200.59 123,900.44 25,102.55 314,203.57
897.09 11,282.63 44 174,448.00 130,836.00 26,239.64 331,523.63
937.53 11,901.54 45 184,118.72 138,089.04 27,417.17 349,624.93
979.41 12,548.31 46 194,230.45 145,672.84 28,636.58 368,539.87
1,022.78 13,224.11 47 204,801.59 153,601.19 29,899.37 388,302.15
1,067.70 13,930.13 48 215,851.28 161,888.46 31,207.06 408,946.81
1,114.21 14,667.62 49 227,399.41 170,549.56 32,561.27 430,510.24
1,162.37 15,437.88 50 239,466.66 179,599.99 33,963.65 453,030.30
 Wartość wcześniejszej wypłaty Samodzielne oszczęd
Rok Pracownika Pracodawcy Państwa Do wypłaty Rok Wpłaty
[PLN] [PLN] [PLN] [PLN] [PLN]
1 1,024.95 538.10 0.00 1,563.06 1 1,010.40
2 2,108.23 1,106.82 0.00 3,215.06 2 1,038.69
3 3,252.53 1,707.58 0.00 4,960.10 3 1,067.77
4 4,460.63 2,341.83 0.00 6,802.46 4 1,097.67
5 5,735.46 3,011.12 0.00 8,746.58 5 1,128.41
6 7,080.06 3,717.03 0.00 10,797.09 6 1,160.00
7 8,497.59 4,461.23 0.00 12,958.82 7 1,192.48
8 9,991.35 5,245.46 0.00 15,236.81 8 1,225.87
9 11,564.77 6,071.51 0.00 17,636.28 9 1,260.20
10 13,221.44 6,941.25 0.00 20,162.69 10 1,295.48
11 14,965.06 7,856.66 0.00 22,821.72 11 1,331.76
12 16,799.53 8,819.75 0.00 25,619.29 12 1,369.04
13 18,728.88 9,832.66 0.00 28,561.54 13 1,407.38
14 20,757.32 10,897.59 0.00 31,654.91 14 1,446.78
15 22,889.21 12,016.84 0.00 34,906.05 15 1,487.29
16 25,129.13 13,192.79 0.00 38,321.92 16 1,528.94
17 27,481.80 14,427.95 0.00 41,909.75 17 1,571.75
18 29,952.18 15,724.89 0.00 45,677.07 18 1,615.76
19 32,545.39 17,086.33 0.00 49,631.72 19 1,661.00
20 35,266.79 18,515.06 0.00 53,781.85 20 1,707.51
21 38,121.94 20,014.02 0.00 58,135.95 21 1,755.32
22 41,116.63 21,586.23 0.00 62,702.86 22 1,804.47
23 44,256.90 23,234.87 0.00 67,491.77 23 1,854.99
24 47,549.00 24,963.23 0.00 72,512.23 24 1,906.93
25 50,999.48 26,774.73 0.00 77,774.20 25 1,960.33
26 54,615.11 28,672.93 0.00 83,288.04 26 2,015.21
27 58,402.95 30,661.55 0.00 89,064.51 27 2,071.64
28 62,370.37 32,744.44 0.00 95,114.81 28 2,129.65
29 66,524.98 34,925.62 0.00 101,450.60 29 2,189.28
30 70,874.76 37,209.25 0.00 108,084.00 30 2,250.58
31 75,427.95 39,599.67 0.00 115,027.63 31 2,313.59
32 80,193.17 42,101.41 0.00 122,294.58 32 2,378.37
33 85,179.35 44,719.16 0.00 129,898.51 33 2,444.97
34 90,395.80 47,457.80 0.00 137,853.60 34 2,513.43
35 95,852.19 50,322.40 0.00 146,174.59 35 2,583.80
36 101,558.57 53,318.25 0.00 154,876.83 36 2,656.15
37 107,525.41 56,450.84 0.00 163,976.25 37 2,730.52
38 113,763.57 59,725.88 0.00 173,489.45 38 2,806.98
39 120,284.36 63,149.29 0.00 183,433.66 39 2,885.57
40 127,099.54 66,727.26 0.00 193,826.80 40 2,966.37
41 134,221.32 70,466.19 0.00 204,687.52 41 3,049.42
42 141,662.41 74,372.77 0.00 216,035.18 42 3,134.81
43 149,436.01 78,453.91 0.00 227,889.91 43 3,222.58
44 157,555.85 82,716.82 0.00 240,272.67 44 3,312.82
45 166,036.19 87,169.00 0.00 253,205.19 45 3,405.57
46 174,891.87 91,818.23 0.00 266,710.10 46 3,500.93
47 184,138.30 96,672.61 0.00 280,810.90 47 3,598.96
48 193,791.49 101,740.53 0.00 295,532.03 48 3,699.73
49 203,868.11 107,030.76 0.00 310,898.87 49 3,803.32
50 214,385.44 112,552.36 0.00 326,937.80 50 3,909.81
Samodzielne oszczędzanie
Odsetki Kapitał Do wpłaty
[PLN] [PLN] [PLN]
20.71 1,031.11 1,027.18
63.57 2,133.37 2,117.36
109.36 3,310.51 3,273.71
158.23 4,566.41 4,499.55
210.36 5,905.17 5,798.35
265.89 7,331.07 7,173.72
325.02 8,848.57 8,629.47
387.92 10,462.36 10,169.56
454.79 12,177.35 11,798.14
525.83 13,998.66 13,519.54
601.25 15,931.66 15,338.31
681.26 17,981.97 17,259.18
766.11 20,155.46 19,287.10
856.03 22,458.28 21,427.27
951.28 24,896.85 23,685.11
 1,052.11 27,477.90 26,066.26
1,158.81 30,208.47 28,576.65
1,271.67 33,095.90 31,222.46
1,390.98 36,147.88 34,010.15
1,517.07 39,372.45 36,946.48
1,650.25 42,778.02 40,038.51
1,790.89 46,373.38 43,293.59
1,939.34 50,167.71 46,719.45
2,095.97 54,170.61 50,324.11
2,261.18 58,392.11 54,115.99
2,435.39 62,842.72 58,103.87
2,619.02 67,533.38 62,296.92
2,812.53 72,475.55 66,704.71
3,016.38 77,681.20 71,337.25
3,231.07 83,162.84 76,204.99
3,457.11 88,933.54 81,318.84
3,695.03 95,006.95 86,690.19
3,945.41 101,397.32 92,330.94
4,208.82 108,119.56 98,253.50
4,485.87 115,189.23 104,470.86
4,777.21 122,622.59 110,996.55
5,083.50 130,436.61 117,844.70
5,405.44 138,649.03 125,030.09
5,743.76 147,278.37 132,568.11
6,099.22 156,343.96 140,474.85
6,472.62 165,866.00 148,767.09
6,864.77 175,865.58 157,462.36
7,276.55 186,364.71 166,578.95
7,708.87 197,386.39 176,135.95
8,162.66 208,954.62 186,153.28
8,638.91 221,094.46 196,651.72
9,138.65 233,832.07 207,652.99
9,662.96 247,194.76 219,179.71
10,212.95 261,211.03 231,255.52
10,789.80 275,910.65 243,905.08