The data disclosed by Wyborcza.biz shows that the first quarter of 2025 was record -breaking in terms of payments from the PPK program. 210 thousand Poles have paid over PLN 607 million at that time. It is over PLN 200 million more than in the same period in 2024 and preceding it.
The previous record was nearly PLN 500 million. He fell in the second quarter of 2024, when 187,000 decided to pay the funds. people. The record holder has already paid over 800 thousand. zloty. Currently, 3.8 million Poles participate in the PPK program. The value of the money postponed there for May 2025 is over PLN 37 billion.
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This is how Poles use the legal gap in PPK
According to the program's assumptions, its participants save money up to the age of 60. However, as we read, over 700,000 have already decided to pay the funds from PPK earlier. participants. Why do they make such a decision?
Participants, paying money on a regular basis, retain all their payments, as well as the employer's payment – 70 percent. goes to them, and the remaining 30 percent to the ZUS account. At the same time, however, they have to pay 19 % so -called Belka tax on capital gains.
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To explain this easier, Wyborcza.biz recalls the example of Mr. Tomasz, who currently earns 8,000. PLN gross per month. Every year in July, the man pays money postponed as part of the program. On July 2, Mr. Tomasz ordered the payment of savings for the last 12 months. He received PLN 1920 from his own payments and PLN 1008 from the employer's payments. In total, he got PLN 2928 refund, and another PLN 432 came to his account in ZUS.
To the right to earlier payment of funds from PPK, the Office of the Polish Financial Supervision Authority is noteworthy. In a prepared report, he admits that it is a gap in recipes that is not consistent with what guided the creators of PPK. Numerous experts also speak in a critical way about earlier payments. However, the government does not currently intend to receive such a possibility.
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PPK – Can you give up the program?
PPK is a voluntary, long -lasting saving system for employees, which is implemented in cooperation with employers and the state. Program participants can save up to the age of 60, and then pay 25 percent. accumulated funds. Later withdrawals are to be carried out every month for ten years. According to the assumptions, they are to be unacceptable.
The program can be abandoned at any time before the age of 60. However, this is associated with the loss of some money. 30 percent The funds from the employer's payments then return to ZUS, and the whole of the savings of state subsidies is returned to the Labor Fund. Earlier resignation is also associated with the need to pay tax on capital profits.
