🇵🇱 Poland·OECD Pensions at a Glance · 2025

Will your pension be enough in Poland?

Type your salary. See what a full career in the pension system pays you back the month you stop working.

I earn PLN a year before tax in Poland. Show the figures for

The OECD average wage in Poland was PLN 96,421 in 2024, the salary shown. Wages have grown since, so a salary from today places you slightly higher on this scale than you really are.

Share of your take-home pay your pension replaces

40.6%

Your pension is a floor, not a plan.

Well under half of your take-home pay comes back. A pension at this level protects you from poverty more than it protects your lifestyle. The OECD average at your pay level is 63.2%.

After a full career, the pension system in Poland would replace 40.6% of your take-home pay from age 65. Before tax, that is about PLN 2,298 a month, against PLN 8,035 today.

The gap in money

From payslip to pension.

Before tax, the pension replaces 28.6% of your pay. After tax it replaces 40.6%, because pensioners in Poland pay less tax and fewer social contributions than workers. Both figures are in today's money.

Today

PLN 8,035

per month, before tax

Your salary before tax.

Your pension

PLN 2,298

28.6% of your pay, before tax

Paid from age 65, in today's money.

The gap

PLN 5,737

per month, before tax

What your own savings would have to pay to keep your full income.

What you save yourself will decide how you live after work. Covering PLN 5,737 a month yourself takes about PLN 1,721,115 of savings by age 65, at a 4% withdrawal rate. Most people need less than their full salary once work costs and pension contributions stop, but this is the size of the job.

In today's money: the OECD models pensions relative to earnings at retirement, which rise with average wages. A 4% withdrawal rate means saving 25 times the yearly gap.

What your pay changes

About the same share, whatever you earn.

The OECD models three pay levels in Poland. At 0.5× the average wage the pension replaces 40.9% of take-home pay; at the average, 40.6%; at twice the average, 37.2%. Low and high earners end up within 3.7 points of each other, so the share hardly depends on pay.

Net replacement rates from OECD Table 4.4. Tap a level to use its salary.

38 OECD countries

Same pay, 38 pension systems.

Every OECD country, for someone earning 1× their own country's average wage, as you do. The pension system in Poland ranks 34 of 38.

OECD avg 63.2%

🇳🇱Netherlands

96.0%

🇹🇷Türkiye

94.4%

🇵🇹Portugal

92.7%

🇬🇷Greece

88.5%

🇱🇺Luxembourg

87.7%

🇦🇹Austria

86.8%

🇪🇸Spain

86.3%

🇲🇽Mexico

79.6%

🇮🇹Italy

79.0%

🇭🇺Hungary

78.0%

🇩🇰Denmark

77.1%

🇸🇰Slovakia

76.3%

🇨🇴Colombia

73.1%

🇸🇮Slovenia

71.3%

🇫🇷France

70.0%

🇨🇷Costa Rica

69.5%

🇸🇪Sweden

66.3%

🇫🇮Finland

65.7%

🇨🇱Chile

61.3%

🇧🇪Belgium

61.1%

🇨🇿Czechia

55.9%

🇳🇴Norway

54.9%

🇮🇱Israel

54.4%

🇬🇧United Kingdom

54.2%

🇩🇪Germany

53.3%

🇮🇸Iceland

53.3%

🇦🇺Australia

53.0%

🇱🇻Latvia

52.2%

🇺🇸United States

51.3%

🇨🇭Switzerland

47.5%

🇨🇦Canada

45.1%

🇳🇿New Zealand

43.8%

🇯🇵Japan

42.4%

🇵🇱Poland

YOU

40.6%

🇰🇷South Korea

38.9%

🇪🇪Estonia

37.8%

🇮🇪Ireland

33.7%

🇱🇹Lithuania

28.2%

Net replacement rate OECD average (63.2%)

Men, mandatory schemes, OECD Pensions at a Glance 2025 Table 4.4, placed at your multiple of each country's average wage.

Worth knowing

Three numbers behind yours.

Your pension age

The normal pension age the OECD uses for someone who starts work at 22 today. The OECD average is 66.4.

OECD average earner

63.2%

Share of take-home pay replaced for an average earner across the 38 countries. In Poland: 40.6%.

Best and worst

96.0% · 28.2%

Netherlands replaces 3.4 times the share Lithuania does, for the same average earner with the same full career.

Where does your salary rank in the world?

Compare your income with the rest of the world, adjusted for prices.

→

See what it takes to cover PLN 68,845 a year yourself

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What a monthly amount grows to by your pension age.

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Frequently asked questions

For an average earner who starts work at 22 and works a full career, the mandatory pension system in Poland replaces 40.6% of take-home pay and 28.6% of gross pay, according to OECD Pensions at a Glance 2025. That ranks 34 of the 38 OECD countries; the OECD average is 63.2%.

The OECD puts the average wage in Poland at PLN 96,421 a year (2024). A full career at that wage earns a pension of about PLN 2,298 a month before tax in today's money, 28.6% of gross pay, paid from the normal pension age of 65.

At 0.5× the average wage the pension replaces 40.9% of take-home pay; at twice the average, 37.2%. The two end within 3.7 points of each other, so the share hardly depends on pay.

For someone who starts work at 22 today, the OECD models the normal pension age in Poland as 65 for men and 60 for women, against an OECD average of 66.4. The replacement rates on this page assume retiring at that age.

The OECD figure of 40.6% for Poland counts mandatory schemes only, including workplace schemes that cover nearly all employees. Anything you save yourself, in a personal pension or an ordinary investment account, comes on top of it, and it is the part you control.

The OECD prints separate figures for women in Poland. For an average earner the pension replaces 31.8% of take-home pay for a woman against 40.6% for a man, with a pension age of 60 against 65.

It is your pension after tax and social contributions divided by your take-home pay before retirement. The OECD calculates it for a worker who starts at 22 and works a full career to the normal pension age. A rate of 40.6% means that for every 100 you take home while working, you keep about 41 as a pensioner.

OECD Pensions at a Glance 2025: net replacement rates from Table 4.4, gross from Table 4.1, voluntary schemes from Table 4.5, average wages from Table 7.5. The OECD models a worker who starts at 22 in 2024 and works a full career to the normal pension age under the rules legislated today, in mandatory schemes (including workplace schemes that cover nearly all employees). Between the three pay levels the OECD models, this page assumes the pension grows in a straight line with pay. Real careers with gaps, part-time years or time abroad produce lower pensions.

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