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 gains — it covers stocks, ETFs, derivatives, crypto, dividends, and interest. You file it annually using the PIT-38 form (plus PIT-ZG for foreign income) by April 30 for the previous year. 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 for transaction dates, applies FIFO method, and calculates tax. You can verify every calculation step.

How much does it cost?

Import and calculations are free. You pay only when exporting final declarations. See pricing page for details.

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. You can import data from multiple sources - the system automatically consolidates them.

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, XLS, PDF, and HTML files from major brokers: Interactive Brokers, XTB, Trading212, Degiro, Revolut, eToro, and others.

What about foreign tax?

System detects foreign dividends/interest and withheld taxes, then generates PIT-ZG with proper foreign tax credits.

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 each foreign currency transaction, the rate from the day preceding the transaction date is fetched, in accordance with regulations.

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. After calculating your tax, you can open a preview of the PIT-38 form (and PIT-ZG), then save it as a PDF using your browser's print function. The form preview is available in all plans.

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?

In Starter mode you do not get persistent account history. The Professional plan adds account history and cloud features. Details are described in the Privacy Policy.

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. You can delete your account and all data at any time through account settings or by contacting us. Data will be permanently deleted within 30 days.