This year the increase will be significant. The value of contributions on the main ZUS account will increase by 9.81%, and the funds collected on the subaccount will increase by 10.61%.. This means that the pension capital of most Poles will increase by nearly one tenth.
The indexation mechanism involves adding an additional percentage to the collected contributions, calculated on the basis of economic data. In the case of the main account, inflation and the growth rate of the wage fund are taken into account, while the indexation of the subaccount depends on the GDP dynamics in recent years. Thanks to this, the system is intended to protect the real value of the money saved and link its growth with the condition of the economy.
The effects of this year's operation may be very concrete. With capital of several hundred thousand zlotys, this means adding even several dozen thousand zlotys. This, in turn, translates into a future pension higher by up to PLN 200-400 per month, although the actual scale depends on the individual situation.
For example, if your ZUS account has:
- 400 thousand PLN, the capital will increase by PLN 39,240
- at PLN 500,000, the capital will increase by PLN 49,050
- at PLN 500,000 the capital will increase PLN 58,860
- at 700 thousand PLN – capital will increase by PLN 68,670
Everyone should receive notifications about the changes in the value of funds in our ZUS accounts from the Institution in the coming weeks.
It is worth remembering that The June indexation does not apply to current retirees. It covers only professionally active people who are just about to retire. Unlike the March increase in benefits, it does not mean an immediate increase in payments, but increases the capital from which ZUS will calculate the future pension.
When to retire?
That is why the moment of termination of professional activity is so important. Submitting a pension application after indexation ends – e.g. in July – allows you to take into account the already increased account balance. In practice, this may mean a higher benefit of up to several hundred zlotys per month throughout your life.
Although this year's increase in contributions is less than 10%. — is lower than in 2022-2024, when it exceeded 14%, it still remains important from the point of view of building retirement savings. Simultaneously the increase in the subaccount, exceeding 10 percent, is one of the highest in its history.
Indexation is the foundation of the pension system: it allows you to maintain the real value of contributions and causes the accumulated capital to grow at a pace similar to market forms of saving, but without investment risk. At the same time, the mechanism is related to the economy – in periods of slowdown, the rate of increase in contributions will naturally be lower.
Information about the new values of funds will be sent to the insured in the coming weeks – then everyone will be able to check how much their future pension has “increased”.
