PIT-38 and PIT-ZG calculator for Polish investors abroad

What is the Polish stock market tax and how do I file it?

The Polish stock market tax (known as the 'Belka tax') is a flat 19% tax on capital income. You report gains on stocks, ETFs, derivatives and crypto yourself in PIT-38 by April 30 of the following year, and with a gain from a foreign source you usually attach PIT-ZG. Dividends and interest from abroad also go into PIT-38 (Section G). On Polish dividends and interest from a Polish bank the payer has already withheld the 19%, so you do not report them (unless the tax was not withheld — then Pos. 46). Our app automatically processes your broker reports and prepares all the data you need to fill out the PIT-38 form via the Twój e-PIT online service.

How do calculations work?

System imports broker reports, classifies transactions, fetches NBP rates from the last business day before the settlement day of the trade, applies the FIFO method to securities, and calculates tax. You can verify every calculation step.

How much does it cost?

The Starter plan is free: import, PIT-38 and PIT/ZG calculations and a text report (TXT) for one tax year and files from one broker, up to 50 transactions. The Professional plan costs 149 PLN as a one-time payment (access until 31 July) — it removes these limits, saves your data to your account and adds a preview of the PIT-38 and PIT/ZG forms with saving to PDF. See the pricing page.

When should I start?

System works in real-time. You can use it anytime, even close to deadline. However, we recommend starting early for verification.

Can I have multiple brokers?

Yes — on the Professional plan, the system combines data from multiple brokers. On the Starter plan, you import files from one broker.

Is this service tax advisory?

No. The service is solely a software tool for automatic data processing and calculation generation. It does NOT constitute tax advisory service under the tax advisory act. The user bears full responsibility for verifying results and the correctness of submitted declarations.

Who is responsible for calculation errors?

The user bears sole responsibility for the correctness of data entered into the system and for verifying generated calculations. The service operator is not responsible for tax decisions or potential penalties. Details are in the Terms of Service.

Are the calculations guaranteed by the Ministry of Finance?

No. The system uses generally accepted calculation methods (FIFO, NBP rates), but the results are for informational purposes only. Official interpretations are issued by tax authorities (KIS). In case of doubt, we recommend consulting a tax advisor.

What if the tax office questions my calculation?

The user is solely responsible before the tax office. We recommend keeping complete source documentation (broker reports, confirmations). In case of an audit, you can present detailed reports generated by the system as supporting material.

Can I correct errors after submitting the declaration?

Yes. You can submit a correction to the PIT-38 declaration at any time before the tax obligation expires. Correction requires independent action by the taxpayer — the service does not submit declarations on your behalf.

Who is the service NOT intended for?

The service is not suitable for: individuals conducting business activities in financial instrument trading, institutional entities, persons with very complex tax structures requiring individual analysis, non-tax residents of Poland.

Why do my results differ from another calculator?

Other calculators may skip micro-transactions (e.g. automatic sells during PIE rebalancing in Trading212). Art. 30b of the PIT Act has no minimum threshold — every paid disposal of securities is a taxable event. Our calculations cover all imported transactions per the documented settlement methodology.

What file formats are supported?

We support CSV, XLSX and XLS files from brokers such as Interactive Brokers, XTB, Trading 212, DEGIRO, Revolut and eToro. We accept PDF only from Revolut and Capital.com, and HTML only from Orbex.

What about foreign tax?

The system detects foreign dividends, interest and the tax withheld on them, and settles them in Section G of PIT-38. It deducts foreign tax cautiously, at most up to the double tax treaty rate, although the Act (art. 30a ust. 9) allows a deduction of up to 19%, and the courts confirm this. For gains from selling foreign shares and ETFs it prepares a PIT-ZG summary by country.

Can I edit transactions?

Yes. You have full control - you can edit any transaction manually if needed.

How does the system fetch NBP rates?

The system automatically fetches official average rates from the National Bank of Poland API. For transactions in securities we take the rate from the last business day before the settlement day (T+1/T+2), for dividends — before the payment date (art. 11a of the PIT Act). If an NBP rate is missing, the calculation stops — we do not use substitute rates.

Can I import data from multiple years?

Yes, with the Professional plan you can work with multiple tax years simultaneously. The system automatically splits transactions by year and maintains FIFO continuity between years.

Can I download PIT-38 as a PDF?

Yes, on the Professional plan. After calculating your tax, you open a preview of the PIT-38 form (and PIT/ZG) and save it as a PDF using your browser's print function. On the Starter plan, you can download a text report (TXT) with the results.

Is my data secure?

Data is encrypted and processed in the EU. We do not share it with third parties for their own marketing purposes, and the retention details are described in the Privacy Policy.

Are my files stored on the server?

Yes. Uploaded broker reports are kept in a private file store — on every plan, also when you upload a file without signing in. Other users cannot see them; only the service administrator has access. We delete them on request, and the Privacy Policy describes how long they are kept.

Who has access to my data?

Only you have access to your data. We do not share data with third parties for marketing purposes. Data is used solely to provide the service. Details in Privacy Policy.

Can I delete my data?

Yes. To delete your account and all data, write to kontakt@podatekgieldy.pl from the email address linked to your account. We will delete them within one month at the latest. On the Professional plan you can also delete your transactions yourself in settings.