The PPK program started at the end of 2019 with a symbolic amount of approximately PLN 85 million. For some time there were concerns about whether it would be accepted among Poles. Unnecessarily, because the current amounts are already significant in the scale of our economy.
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According to PFR data, assets accumulated on December 31, 2025 in PPK reached PLN 45.06 billion, and the number of participants was 4.12 million. This means that almost PLN 14.8 billion increased over the year, i.e assets increased by almost 49%.
It is worth noting that the number of active PPK accounts is higher and currently amounts to approximately 5 million, because some employees have more than one account (e.g. due to changing employers), however There are approximately 4.12 million unique participants. At the end of 2024, there were 3.69 million of them, at the end of 2023, 3.33 million, and at the end of 2021 (after implementation in all sectors) it was 2.31 million. Right after the start, when only the largest companies participated in the program, there were approximately 1.1 million participants. The overall participation rate in the program is currently close to 56%.
The result was PLN 4 billion better than planned
For comparison, the plan assumed closing the year at PLN 41 billion. The reality turned out to be over PLN 4 billion better. “This is no longer just a good result. It is a clear signal that the program is developing faster than expected, and Employee Capital Plans have become a permanent part of the long-term savings landscape in Poland and are gaining the trust of more people month by month,” PFR reported.
It was indicated that the record value of assets was the result of:
- growing number of participants
- regular contributions from employees and employers
- subsidies from the state
- very good results of PPK funds and the involvement of financial institutions.
In the case of this last point, it is worth paying attention to the boom in financial markets, which favors an increase in asset valuation. The majority of PPK allocation is focused on the Polish stock exchange: in 2025, the WIG20 and WIG indices gained 45%, respectively. and 47 percent Further WSE records were broken on Friday during this year's first session.
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My PPK
PPK shows that even small, systematic amounts – deposited month after month – can build significant capital over time.
— This is not just a symbolic border. This is real money that works for the future of millions of participants. In 2019, Employee Capital Plans started from scratch. Today, six years later, we are breaking another record, despite many difficulties that we encountered on the way to disseminating knowledge about the need to save and social lack of trust in systemic solutions. Stability, simplicity of rules and profits that no other program offers – this is enough for Employee Capital Plans to develop at an increasingly faster pace – says Marta Damm-Świerkocka, member of the management board of PFR Portal PPK.
Exceeding the level of PLN 45 billion is also proof of growing trust in PPK as a long-term saving tool. The results of PPK funds and the scale of accumulated assets show that more and more people treat the program not as an obligation, but as a real investment in their future.
PPK are funds that:
- are the private property of participants,
- are subject to inheritance,
- they work on the capital market,
- are available in special situations (illness, own contribution to a mortgage loan),
- allow you to check your savings 24/7,
- they actually increase future financial security
To make the next year even better for PPK participants
— Such wishes appear many times at the turn of the year – for the next one to be even better. This is also what we wish to PPK participants – that 2026 will be at least as record-breaking as its predecessor. The end of 2025 provides solid foundations for further development of PPK. Closing the year is not only a statistical success. This is a signal that PPKs are growing faster than expected and trust in the program is actually strengthening. Because it is enough to leave savings in PPK alone for time to work to the benefit of participants – summarizes Marta Damm-Świerkocka, member of the management board of PFR Portal PPK.
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Employee Capital Plans are a voluntary, private long-term savings system, designed to build additional capital for the future (e.g. for retirement). The program is based on the cooperation of three parties: employee, employers and countrieswhich jointly deposit funds in your private account.
The money collected in PPK comes from three sources:
- Employee: He deposits as standard 2 percent your gross salary (deducted from your net salary).
- Employer: He is obliged to pay the minimum amount 1.5 percent employee's remuneration.
- Country: Provides a one-time welcome payment (PLN 250) and annual subsidies (PLN 240).
PPK can be used by almost all employees for whom compulsory pension and disability insurance contributions are paid.
- Full-time employees and people working on mandate contracts.
- People aged 18-55: They are enrolled in the program automatically (unless they declare their resignation).
- People aged 55–70: They can join the program at their own request (in 2026, regulations will be introduced to facilitate automatic enrollment also for this group).
- Members of supervisory boards receiving a salary.
