Employee Capital Plans (PPK) is a voluntary, private long-term savings system, created to accumulate additional financial resources for the future, especially for the period after retirement. Savings in this program are built jointly by the employee, the employer and the state, and the money collected is the private property of the participant and is subject to inheritance.
“The value of net assets exceeded the barrier of PLN 50 billion, and participation reached an impressive level of over 60%.” – we read in the latest report prepared by PFR Portal PPK, the entity responsible for collecting and presenting data on this program.
See also: Surprising results of retirement savings after the crisis
At the end of April, the total net asset value (VAN) of target date funds was exactly PLN 50.33 billion. This means an increase of PLN 3.46 billion compared to the previous month.
Data on PPK (at the end of April 2026)
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PFR PPK portal
The number of PPK participants is constantly growing – in the last month it increased by 36,054 people. People have already taken advantage of the savings opportunities in the program 4.31 million people.
Total participation in PPK increased at the end of April up to 60.28 percent, with the highest remaining in the following voivodeships: Masovian (83.5%), Lower Silesian (67%) and Greater Poland (63.9%).
Participation in PPK by voivodeship
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PFR PPK portal
PPK in numbers. How much could you gain?
As estimated by the PFR PPK portal, the account of a hypothetical PPK participant who has been saving in this program since December 2019, depending on the group of funds, has on average PLN 12,731 to PLN 19,668 more than he himself contributed to PPK. That means from 140 to 216 percent profit.
See also: This is how you can earn money on PPK. There is one small catch
So far, the accounts of PPK participants have received welcome payments from the Labor Fund in the total amount of PLN 1 billion and annual subsidies in the total amount of PLN 2,660 million.
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PFR PPK portal
