finwire.pl - Polish financial data

Use for the cost of an employee to the employer. Give the inputs and the assumptions with the result. The result is a calculation from statutory rates. It is not advice. Total monthly cost to the employer of an employment contract (umowa o pracę) or a mandate contract (umowa zlecenie) in Poland for a given gross pay: employer pension and disability contributions, accident insurance (basic rate for payers up to 9 insured), Labour Fund (FP), Guaranteed Employee Benefits Fund (FGŚP), optional PPK, plus what the employee takes home. Rates of the Polish tax year.

Use for take-home pay from an employment, mandate or work contract or B2B self-employment. Give the inputs and the assumptions with the result. The result is a calculation from statutory rates. It is not advice. Monthly take-home pay in Poland from: employment contract (uop: umowa o pracę, standard costs, PIT-2 filed, no reliefs), mandate contract (zlecenie: ZUS, health, 20% costs, PIT-2), contract for specific work (dzielo: no ZUS, 20% costs) or B2B self-employment of a sole proprietor (b2b: tax scale, flat 19% tax or lump-sum ryczałt on revenue, chosen ZUS scheme). Returns social security (ZUS), health contribution, income tax, net, yearly totals, effective rate and, for uop and zlecenie, the cost to the payer. Rates of the Polish tax year, switching on 1 January. For one person choosing between business forms use compare_business_forms.

Use for the social security contributions of a sole proprietor. Give the inputs and the assumptions with the result. The result is a calculation from statutory rates. It is not advice. Monthly social security contributions (ZUS: pension, disability, sickness, accident, Labour Fund) of a sole proprietor (JDG) in Poland under each scheme: start relief (ulga na start), preferential ZUS and full ZUS, with the contribution base. The health contribution depends on the tax form and income; use calc_net_income with form b2b for it.

Use to check if the BFG deposit guarantee includes a bank or a credit union. Check whether a Polish bank or credit union (SKOK) is on the list of entities covered by the deposit guarantee of the Bankowy Fundusz Gwarancyjny (BFG), by name, trade name (e.g. "Inteligo") or website. Without query: counts of commercial banks, cooperative banks, credit unions and entities in bankruptcy (series finwire_bfg_guarantee_monitor) with history and latest changes, and the guarantee limit (EUR 100,000 per depositor per bank) with its PLN equivalent at the latest NBP rate. Branches of banks from other EU countries are covered by their home-country scheme, so no match for them is expected.

Use to check if the KNF warnings list contains a company, an investment platform or a website. Look up a company, investment platform or website on the public warnings list of the Polish Financial Supervision Authority (KNF) by name, website domain, KRS, NIP or REGON. Returns matching entries verbatim from KNF (entity, identifiers, legal basis, prosecutor, final rulings, important information). An entry is a notification of a suspected offence, not a conviction; no match does NOT mean the firm is licensed or safe. Without query: list size, entries by legal basis, entries new this week and the weekly series finwire_knf_warnings_monitor.

Use to compare a sole proprietorship (JDG) with a limited company (sp. z o.o.) by taxes and net income to the owner. For a shareholder resident abroad, give the dividend rate from get_tax_treaty. Give the inputs and the assumptions with the result. The result is a calculation from statutory rates. It is not advice. Compare yearly taxes and net income to the owner for running a business in Poland as a sole proprietorship (JDG: tax scale, flat 19% tax, lump-sum ryczałt) or a limited liability company (sp. z o.o.) with one shareholder (shareholder pays ZUS and the health contribution) or with two or more shareholders. Company profit taxed with CIT (9% small taxpayer when revenue fits the EUR limit at the NBP rate set by law, otherwise 19%) and the dividend tax: Polish statutory rate by default, or pass dividend_tax_rate from a tax treaty for a shareholder resident abroad. Assumes all profit is paid out as dividend. Not covered here: who may open which form (residence status), management board pay, Estonian CIT.

Use for 2-4 macro series side by side, for example inflation and wages. History of 2-4 indicators aligned by period. All keys must have the same frequency (all monthly, or all quarterly); otherwise the call fails and says which differ.

Use to find EV chargers near a place: fast, free or available chargers. Public EV charging sites in Poland from the UDT register EIPA near a city or a point: give city, or lat and lon with radius_km. Filters: min_kw (e.g. 150 for ultra-fast), free_charging, available_now (at least one point free according to a status younger than 2 hours), network slug, connector (ccs, chademo, type2). Each site: name, address, network, power class (AFIR), maximum kW, points, points free now, lowest ad hoc price per kWh (price for a driver without a contract), distance. Pass id for one site with stations, points, connectors, prices and status. Operators report data; check the price at the charger.

Use for the typical or average person in Poland: median age, wage, flat, mortgage, pension, spending and car. Profile of the typical person in Poland (finwire_average_pole) built from the latest official readings: median age (Eurostat), median gross and net wage (GUS), median price per m2 of a flat (GUS), average new mortgage (BIK), model monthly mortgage payment, average ZUS pension, spending per person (GUS household budgets), car age classes (Eurostat) and the most registered car brand. Each trait carries its measure (median, mean, model, distribution, most frequent) and its own data period.

Use for market rates of mortgages, cash loans, deposits, savings accounts and retail bonds. For NBP rates, use get_interest_rates. Aggregates of offers currently on the market (median and percentiles, no single bank offers): mortgage APRC and margin, cash loan APRC, term deposit and savings account rates; or retail government bond rates (product "bonds"). finwire indices of the best offers (finwire_mortgage_barometer, finwire_deposit_rate_index, finwire_savings_rate_index, finwire_account_cost_index): get_finwire_index.

Use for brokerage account fees. Fees of brokers available to Polish investors from their official fee tables: online order commission on Warsaw (GPW), US and German stocks and ETFs, account and currency conversion fees, IKE/IKZE, investor protection and promotions valid today, with the fee table URL and the date it was last confirmed. Facts only, no ranking or recommendation.

Use to find which business forms a foreigner or a foreign company can use, and why. Give the legal basis and the verification date of each fact. All Polish business forms (sole proprietorship JDG, unregistered activity, sp. z o.o., P.S.A., S.A., general, limited and professional partnerships, branch, representative office) with available yes/no for the owner status, the reason, conditions (e.g. PESEL for CEIDG) and facts on capital, liability, registration and tax, each with the legal basis.

Use for the meaning of Polish business, tax and ZUS terms. Polish-English glossary of business, tax, ZUS and registration terms (JDG, sp. z o.o., CEIDG, KRS, ryczałt, KPiR, KSeF, JPK, CRBR, UPO, PSI and others) with one-line explanations.

Use for company tax regimes and reliefs (CIT, Estonian CIT, IP Box, R&D relief, Polish Investment Zone). Also use for VAT, residence permits, PESEL, e-signature, hiring foreigners, labour law, accounting and closing a business. Give the legal basis and the verification date of each fact. Verified facts about doing business in Poland, each with the act, article, link to the official text and the verification date. Topics: intl-tax (selling into Poland from abroad, VAT registration, reverse charge, OSS, permanent establishment, transfer pricing, Estonian CIT, IP Box), residence (permits, MOS), identity (PESEL, NIP, trusted profile, e-signature), documents (sworn translation, apostille), forms, setup (steps and deadlines), activity (PKD 2025, regulated activities), wht, treaty, tax-residence, health (NFZ, A1), property (buying property as a foreigner), contracts, labour (Labour Code rules), hiring-foreigners (work permits, declarations), deadlines, accounting (books, invoices, KSeF, whitelist), incentives (Polish Investment Zone, regional aid map, R&D relief), exit (suspension, conversion, liquidation). Pass a topic, a query, or both.

Use for the number of new, closed and suspended sole proprietorships (CEIDG). To start a business, use plan_business_entry or get_business_guide. Monthly applications filed in CEIDG, the Polish register of sole proprietorships (Ministry of Development and Technology data on dane.gov.pl): registrations of new sole proprietorships, closures (deregistrations), suspensions and resumptions, registrations minus closures, the latest month against the same month in earlier years, the share of women among founders, sums since January and over 12 months, and the finwire index finwire_new_business_ratio (registration applications per 100 closure applications over 12 months; above 100 the number of firms grows). Counts of applications, not of firms in the register; companies registered in KRS are not included.

Use for the average price of car insurance (OC and autocasco) in Poland, its trend and the size of the market. Tell the user that this is a market average and not a quote for one driver. Average car insurance premium in Poland from the quarterly KNF bulletin "Rynek ubezpieczeń" (part D): average gross written premium per policy for OC (motor third-party liability, insurance class 10) and autocasco (AC, class 3) over the last 4 quarters and in the last quarter, change vs a year earlier, policies written and in force, claims paid per 100 PLN of premium in the same window, claims paid per settled claim, the 18 non-life insurance classes, quarterly history and the finwire index finwire_oc_avg_premium. Amounts in PLN. These are market averages: they are not a price quote for a specific driver or car. Informational data, not insurance advice.

Use for the average price of a tonne of coal or the waste collection fee, in Poland and by province. Cena węgla finwire (finwire_coal_price_pl) and Opłata za odpady finwire (finwire_waste_fee_pl): annual average price of a tonne of hard coal and monthly fee for sorted waste collection per person in multi-family buildings, Poland and 16 provinces, from Statistics Poland (GUS). Annual averages for a past year, not current shop prices.

Use for the yearly tax, ZUS, VAT and reporting deadlines of a business. Calendar of tax, ZUS, VAT, payroll and reporting deadlines for a calendar year: monthly PIT/CIT advances or ryczałt, own ZUS, JPK_V7M, PIT and ZUS of employees, PPK, annual returns, annual health contribution, CIT-8, financial statements and JPK files. Dates are computed from statutory rules with the shift to the next working day; event-based duties (CRBR, ZUS registration, invoices) are listed as facts.

Use for the number of people who declare consumer bankruptcy in Poland, by month and year. Give COIG as the source. Number of people declared bankrupt as consumers in Poland per month, compiled by COIG (Centralny Ośrodek Informacji Gospodarczych) from court announcements in the National Register of Debtors (KRZ) and Monitor Sądowy i Gospodarczy: the latest month with year-on-year change, the sum since January against the same period a year earlier, the last 12 months, the rank of the latest month in the whole series and among the same calendar month, highest and lowest month, yearly totals and the finwire index finwire_consumer_bankruptcies (consumer bankruptcies in the 12 months up to the month). Attribution to COIG is mandatory (data COIG, reuse with attribution; not CC BY). For the cost and rules of the procedure itself see the finwire.pl page linked in the result.

Use for court rulings in consumer credit disputes (CHF loans, WIBOR, free credit sanction, early repayment) and the share that borrowers won. Statistics of rulings of Polish common courts in consumer credit disputes, published in the Court Rulings Portal of the Ministry of Justice and classified by finwire.pl: CHF mortgages (chf), loans in EUR and other currencies (waluta_inna), free credit sanction under art. 45 of the Consumer Credit Act (skd), cost refunds after early repayment, Lexitor (wczesniejsza_splata), WIBOR clauses (wibor), unit-linked policies (polisolokata). Returns rulings per publication month, share ruled for the borrower at least in part in 12 full publication months (finwire_borrower_win_share, total and per category), first vs second instance, median time from claim to judgment and the newest rulings with case number, court, outcome and a link to the full text. Statistics of published rulings, not legal advice; each ruling concerns one contract.

Use for the state of the mortgage market: lending criteria, demand and new loans. Polish housing loan market: topic "index" (finwire 0-100 credit market index, returns finwire_credit_market_index), "survey" (NBP bank lending survey: criteria and demand), "monetary" (NBP household loans and deposits, new housing loans), "demand" (BIK Demand Index for housing loans, average requested vs granted amount, granted loans y/y according to BIK, new housing loans from NBP).

Use for exchange rates and the gold price. NBP mid, bid and ask rates of currencies against PLN (table), the history of one currency, or the NBP gold price (code "XAU").

Use for daily online prices of a basket of food, household and personal care products. For official CPI, use get_macro_indicator. Experimental daily index of online shelf prices of a fixed basket of food, drinks, household and personal care products in three Polish online shops (finwire_daily_price_index), base month = 100: latest value and change since the base month, basket categories with change since the base month and month on month, categories with the largest rise and fall, monthly readings, the food part vs GUS CPI food and non-alcoholic beverages for the same completed month, and the collection state (days, products, stores, expected first reading) while the base month is being collected. Online prices only, not CPI; no prices of single products or shops.

Use after search_datasets, and only when no dedicated tool is applicable. Any dataset by id from search_datasets, with optional params listed there. Returns the same data as the public REST API /v1 (long lists shortened).

Use for the number of electric cars (BEV, PHEV) by year, county and province. Battery electric (BEV) and plug-in hybrid (PHEV) passenger cars in Poland: fleet at year end and new cars in the year with shares (Eurostat), fuel mix of new cars, provinces and counties per 1000 passenger cars with top and bottom counties (GUS BDL, when the county series is available), and the correlation of public charging sites per 10k residents with BEV per 1000 cars across counties, with a 95% interval and a version controlling the median wage. Correlation is not causation. Index finwire_ev_share_new_cars. For charging points use get_ev_charging.

Use for regulated electricity and gas tariffs in Poland. For prices in the EU, use get_europe_data. Household electricity and gas tariffs approved by URE and in force today: electricity energy price of the default seller and distribution rates per operator for G11, G12 and G12w with cheaper-zone hours and fees; gas fuel price, subscription and PSG distribution rates per tariff area for W-1.1 to W-4. Net amounts, VAT rate given; each with the URE decision and PDF.

Use to compare Poland with the EU: house prices, mortgage rates, bond yields, household electricity and gas prices, and minimum wages. Poland compared with EU countries: "house-prices" (Eurostat house price index), "mortgage-rates" (ECB rates on new housing loans), "bond-yields" (10-year yields and spreads vs Germany and euro area), "overburden" and "overcrowding" (housing conditions), "energy-prices" (household electricity or gas prices per kWh in EUR and purchasing power standards, half-yearly, with finwire_eu_power_price_gap and kWh per minimum wage), "minimum-wages" (statutory minimum wages in EUR and PPS, half-yearly).

Use for statistics of EV charging points in Poland, provinces and counties. For chargers near a place, use find_ev_chargers. Public EV charging in Poland from the UDT register EIPA: locations, stations and charging points today and at each month end since December 2019, growth year on year, charging sites and fast sites (at least 50 kW) by province and county, sites per 10k residents, sites by maximum power class (EU AFIR: up to 22 kW, 23-49, 50-149, 150-349, 350+ kW) and connector (CCS, Type 2, CHAdeMO), counties with the most ultra-fast sites (150 kW and more), networks with the most fast sites, the finwire index finwire_ev_charging_coverage (charging points per 1000 BEV and PHEV cars in the fleet), growth records and the finwire index finwire_ev_infrastructure_growth (charging points year on year), and daily growth by power class and network since the start of measurement. Interactive map with every site: finwire.pl/mapa-ladowarek.

Use for the EV charging price per kWh and network price lists. Ad hoc EV charging prices in Poland (for a driver without a contract) reported by operators to the UDT register EIPA: median price per kWh with point counts by power class (AC up to 22 kW, DC below 50 kW, DC 50-149 kW, from 150 kW), AC vs DC, cheapest and most expensive networks, share of points with a per-minute fee, recent price changes and the finwire index finwire_ev_charging_price_index. With network: that network's price list by power class and its price changes. Subscriptions and app tariffs can be cheaper and are not included.

Use for one finwire index with history. Find the id with list_finwire_indices. Give the id and the method version from the citation field. One finwire index by its id finwire_* (old dataset ids such as credit-market-index, borrowing-power or credit-stress are accepted as aliases): latest and previous reading with periods, change, method version, sources, citation formula and history. Indices computed from WIBOR publish only the result.

Use for the share of household income that goes to the mortgage, admin fees and utilities, by province. Sztywne koszty gospodarstwa finwire (finwire_fixed_cost_burden): share of net income of a model household (two earners on the regional median wage) taken by the mortgage payment on a 50 m2 flat in the province capital, administrative fee, heating, water, waste, electricity and TV licence; Poland and 16 provinces, monthly, with the share without the mortgage.

Use for the maximum fuel prices that the state sets. For average prices in shops, use get_retail_prices. Maximum retail prices of Pb95, Pb98 and diesel in PLN per litre announced by the Minister of Energy in Monitor Polski: price in force, next day price if announced, and recent history.

Use for the heating season: degree days, the cold of this winter against the norm, and the heating bill forecast. Indeks chłodu sezonu finwire (finwire_heating_season_index) and Koszt sezonu grzewczego finwire (finwire_heating_season_cost): heating degree days since 1 July (Eurostat method, IMGW-PIB synoptic stations) vs the 20-season norm for Poland and 17 cities, cold index (100 = norm, below = warmer), season forecast with an 80% interval only when the backtest gate passes (otherwise the reason), season heating cost of a 100 m2 house (gas, heat pump, coal, district heating), monthly means vs norm, coldest and warmest seasons since 1966/67.

Use for housing demand against supply, the completions forecast and the rent forecast. finwire housing balance for Poland and 17 cities: finwire_housing_pressure (new residents per 1 dwelling completed in the same year, from GUS migration for permanent residence and foreigners insured in ZUS, yearly), finwire_housing_pipeline (forecast of dwellings completed in 4 quarters up to 2 years ahead from GUNB building permits, 80% interval and backtest accuracy per horizon) and finwire_rent_forecast (6-month change of asking rent per m2, published only after passing the accuracy threshold). Present forecasts as model estimates with the interval and accuracy, never as certainty.

Use to find if rent covers mortgage interest in a city (net yield minus mortgage rate). Carry nieruchomości finwire (finwire_housing_carry): per Polish city, the net rental yield of a typical 2-room flat (after one vacant month, flat-rate rental tax, admin fee in vacant months and property tax) minus the variable mortgage interest rate, in percentage points, monthly with history, plus net rent minus first-year interest in PLN per month for a loan covering the whole price. Negative carry = interest exceeds net rent; buying to let on credit then relies on price growth. For rents and plain yields use get_rents. Informational data, not investment advice.

Use for the running costs of a flat. Monthly running costs of a flat in 20 largest cities: co-op and owners association charges per m², heating, electricity, gas, water and waste rates, each with year and scope (city or province).

Use for flat prices per m2 in a city or district. Transaction prices of flats per square meter from notarial deeds (RCN): median, quartiles, year-over-year change and number of deeds in 17 cities, or per district of one city. source "gus" gives the GUS quarterly series instead. view "location-premium" gives finwire_location_premium: per district, how far the actual price deviates from the price expected from neighbourhood quality (transport, schools, shops, greenery, quiet, air), with model fit and accuracy; without city, the status of every city. The quarterly finwire indices finwire_rcn_price_index and finwire_price_gap_index: get_finwire_index.

Use for the IKE and IKZE market: accounts, assets, contributions by institution type and average balance. IKE and IKZE (Polish individual retirement accounts with tax relief) from half-yearly KNF data: number of accounts and assets, split by institution type (insurers, investment funds, brokers, banks, voluntary pension funds), accounts opened, contributions, withdrawals and returns since January, holders by sex and age, average annual contribution as % of the statutory annual limit (December states), and the finwire index finwire_ike_ikze_avg_balance (average balance per account). Amounts in PLN. For the contribution limits themselves use get_legal_limits. Informational data, not investment advice.

Use for NBP policy rates. For bank offers, use get_bank_rates. Current NBP policy rates (reference, lombard, deposit, rediscount, discount) with the date of the last change, or the history of one rate. WIBOR and POLSTR are not available (GPW Benchmark license).

Use for investment fund assets and net flows: equity, bond, mixed and PPK funds. Assets, purchases of units, redemptions and net flows of investment funds in Poland from monthly IZFiA data: whole market, fund groups (short-term bond, bond, equity, mixed, PPK, target date, absolute return, commodity, crypto assets, private market) with IZFiA profiles, bond funds by type, equity funds by region, net flows since January and over 12 months, and the finwire index finwire_fund_flows_index (12-month net flows as % of assets a year earlier). Amounts in PLN million. Informational data, not investment advice.

Use for core inflation in 6-12 months and for impaired (Stage 3) housing and consumer loans in 2-4 quarters. Give the 80% interval and the backtest coverage. If published is false, there is no forecast to give. Two finwire.pl models with 80% intervals. finwire_cost_pressure (Presja kosztowa finwire): NBP core inflation y/y in 6 and 12 months from a unit labour cost proxy, producer prices and the EUR/PLN change. finwire_npl_forecast (Stres kredytowy wyprzedzający finwire): share of impaired (IFRS 9 Stage 3, KNF) housing and consumer loans in 2 and 4 quarters from the WIBOR 3M change, unemployment and the portfolio trend. A forecast is shown only when at least 70% of actual readings fell inside the 80% interval in the rolling backtest; otherwise published is false and only the accuracy statistics are given. A model estimate, not investment advice.

Use for new laws and for the next PIT, ZUS and VAT deadlines. For the full yearly calendar of a business, use get_compliance_calendar. Acts of the Journal of Laws and Monitor Polski on personal finance, tax, labour and housing: entering into force soon and recently, with plain-language summaries, plus bills in the Sejm. Also returns the next 30 days of the finwire legal calendar (series finwire_legal_calendar): PIT, ZUS and VAT deadlines, IKE/IKZE year end, value changes, RPP meetings and bond sales.

Use for statutory values of this year: IKE and IKZE limits, PIT and minimum wage. For next year, use get_next_year_limits. Statutory values for the current year: IKE and IKZE contribution limits, PIT thresholds and rates, tax-free amount, capital gains tax, rental flat-rate tax, minimum wage and other limits; topic "local-tax" gives the upper limits of local property tax rates. Company tax regimes (CIT, Estonian CIT, IP Box) and business rules: get_business_guide.

Use for the dates of the next macro releases and RPP meetings. For tax deadlines, use get_legal_changes or get_compliance_calendar. Upcoming Polish macro releases and decisions (RPP rate decisions, CPI, wages, GDP, industrial output) with date, time and importance (higher is more important). Dates marked tentative may move.

Use when the user asks what is new in macro data. Indicators whose reading was updated in the last N days (newest first), with the change against the previous reading.

Use for the value, the meaning or the trend of one macro indicator. One indicator by key with its meaning, latest reading, freshness, next release and history (oldest first) with min and max over the window.

Use for a general view of the Polish economy or a briefing. For one indicator, use get_macro_indicator. Returns the six headline indicators (GDP, inflation, unemployment, wages, rates and similar) with latest reading, change and freshness, which indicators changed recently, and the next releases and RPP meetings.

Use for the budget of one municipality: what it spends money on, its debt and its EU funds. Pieniądze Twojej gminy (finwire_gmina_spending_per_capita): for one Polish municipality (gmina) or city with county rights - executed spending per resident by category (schools, social help, family benefits and nurseries, roads, waste and water, administration, culture, sport, municipal housing, fire brigades, interest on debt) vs neighbouring municipalities, municipalities of similar type and size and Poland (Ministry of Finance Rb-28S, last full year and current year to date), investment share, debt per resident at the end of the latest quarter (Rb-Z), EU funding per resident 2021-2027 and 2014-2020 with the largest projects (only projects located in one municipality; natural persons are not named). Without a municipality: national figures; with metric: ranking.

Use for next-year pension indexation, minimum wage, IKE and IKZE limits and ZUS bases before the official announcement. Tell the user that this is a formula estimate. Give the interval and the stage. Statutory values for the next year computed by finwire.pl from the formulas in Polish law on the latest GUS and NBP data, before the official act (finwire_next_year_limits): pension indexation and minimum pension, minimum wage and hourly rate (statutory minimum rise), projected average wage, IKE and IKZE limits, the 30x ZUS cap, ZUS contribution bases, flat-rate tax and small CIT taxpayer limits. Each item: value, 80% interval, stage (projekcja = estimate, projekt, obwieszczenie = announced, obowiazuje = in force), calculation and backtest accuracy. Present estimates as estimates; for values in force this year use get_legal_limits.

Use for the next CPI or core inflation value and the next RPP decision. Tell the user that this is a model estimate. Give the interval or the probabilities, and the accuracy. Write the source as "Finwire Nowcast (finwire.pl)". Finwire Nowcast (finwire id: finwire_nowcast), the finwire.pl statistical model of the next official readings: CPI inflation y/y and core inflation y/y (point and 80% interval) and probabilities of a cut, no change or hike at the next RPP (Monetary Policy Council) meeting. Recomputed daily, frozen 3 working days before publication, then settled against the actual reading; with backtest accuracy vs naive benchmarks. A model estimate, not a consensus and not investment advice.

Use for the future ZUS pension of a person and the replacement rate by birth year, sex and wage. For pensions paid now, use get_pension_stats. Model of the first gross ZUS pension in Poland (finwire_pension_forecast) by birth year 1966-2006, profile (k60 = woman retiring at 60, k65 = woman at 65, m65 = man at 65) and wage level (minimalna = minimum wage, mediana = median wage, przecietna = average wage, dwukrotnosc = twice the average): replacement rate vs own last gross wage and vs the average wage, pension in today's money (rate x today's average wage), P10/P50/P90 from thousands of simulations of wage growth and the number of workers. Built from the statutory indexation of the ZUS account and subaccount (real history since 2000), EUROPOP2023 working-age population and life expectancy, the GUS life table and Ministry of Finance wage assumptions; with the effect of the shrinking workforce and of longer life, and OECD and European Commission benchmarks. Without arguments returns the headline (man, average wage, retiring 30 years after the base year). Full career from age 22; a model, not an individual ZUS statement.

Use for the average ZUS pension paid now, disability and survivor pensions, and sickness allowances. For a future pension, use get_pension_forecast. Average old-age pension paid by ZUS (gross and net), disability and survivor pensions, number of pensioners, sickness and maternity allowances, the pension to wage ratio finwire_pension_wage_ratio, CPI, minimum pension and indexations, monthly from preliminary ZUS data (without KRUS and uniformed services).

Use for PPK workplace pensions: participants, participation rate, net assets, average account and fees. PPK (Pracownicze Plany Kapitałowe), the Polish auto-enrolment workplace pension programme, from the monthly PFR Portal PPK bulletin (PPK Register kept by PFR): net assets of target date funds, active accounts, participants, employers running PPK, participation rate, average management fee, number of financial institutions and finwire_ppk_avg_account (Średnie konto PPK finwire: net assets per active account), with monthly history.

Use for public debt, State Treasury debt, debt per person and the budget deficit. State Treasury debt of Poland at the end of the latest month (Ministry of Finance): amount, change, debt per resident finwire_public_debt_per_capita, average growth per second over 12 months, domestic/foreign and retail bonds; national public debt and general government debt % of GDP (quarterly); state budget deficit cumulative from January with the plan from the budget act and the same period a year earlier.

Use when the user asks if a mortgage payment will rise. Also use for the payment in a year and the fixed against variable rate premium. finwire model on WIBOR fixings and bank offers: finwire_rate_risk_gauge (Ryzyko raty finwire) - chance that the payment of a PLN 400,000, 30-year variable-rate mortgage rises by more than 5% or 10% (or falls by more than 5%) in 3, 6 and 12 months, with the 10th/50th/90th percentile of the payment and backtest accuracy since 2008 (80% interval coverage); finwire_fixed_rate_premium (Premia za stałą stopę finwire) - the typical 5-year fixed rate minus the expected cost of the variable rate over 5 years, in pp, daily and monthly (ECB MIR), with windows of a negative premium. A model estimate, not a certainty and not advice.

Use for data about municipalities and provinces: income, PIT, local tax, unemployment and wages. For the budget of one municipality, use get_municipal_budget. Regional data: "income" (residents income per capita by municipality, or county with level "powiat"), "pit" (PIT due per resident from tax returns by municipality and province, by type of return, PIT-38 capital gains returns per 1000 residents, finwire_pit_per_capita; with name = one municipality year by year), "local-tax" (finwire_local_tax_squeeze: property tax as % of property tax + PIT share in municipal budget plans, provinces, cities, municipalities in the squeeze, upper limit of the property tax rate for flats; with name = matching municipalities), "unemployment" (registered unemployment by province), "wages" (average wage by province). Filter by name.

Use for rents and rental yield. Asking rents (median, per m², month-over-month change) in Polish cities and districts, with gross and net rental yield and payback period.

Use to compare retail savings bonds with bank deposits after tax. Premia obligacji skarbowych finwire (finwire_retail_bond_premium): by how much the first-year rate of Polish State Treasury retail savings bonds (OTS, ROR, DOR, TOS, COI, EDO; family ROS and ROD separately) exceeds the finwire deposit index (best 3-month deposits), the finwire savings account index and the average new household term deposit (NBP MIR), after the 19% capital gains tax on both sides, in percentage points; monthly retail bond debt change (Ministry of Finance), household term deposits change (NBP) and a sales response test on our own series. Describes the rate gap only, not investment advice.

Use for prices in shops, for example butter, bread or milk, and for the shopping basket. Average retail prices of 30 goods and services in Poland from GUS (bread, butter, milk, eggs, meat, vegetables, sugar, electricity, gas, heating, petrol, diesel, bus ticket, taxi, haircut, doctor visit, cinema) for the latest month, with change vs the previous month and the same month a year earlier and the minutes of work each costs at the average net wage; plus the finwire shopping basket of 10 staple foods (finwire_shopping_basket_index).

Use for Czyste Powietrze heating subsidies: applications, contracts and payments. Czyste Powietrze (Clean Air), the Polish subsidy programme for replacing heating sources and thermal modernisation of single-family houses, from the weekly NFOŚiGW summary: applications, contracts and paid subsidies cumulative (all editions and the Modernisation Fund edition), last week, completed contracts, bank loan grants, requested heat sources by type, the payout queue (contracted but not yet paid) with weekly pace, and finwire_clean_air_payout_rate (paid as % of contracted). National data only.

Use for individual tax rulings by topic, for example rental income, crypto or IKE and IKZE. Individual tax rulings of the Polish tax information office (KIS) and municipal rulings on property tax, published in the EUREKA database of the Ministry of Finance, by topic: private rental (najem_prywatny), selling a flat and the housing relief (sprzedaz_nieruchomosci), IKE/IKZE (ike_ikze), crypto (kryptowaluty), shares, funds and dividends (inwestycje_pit38), sole proprietorship, lump-sum tax and IP Box (jdg_ryczalt), PIT reliefs (ulgi_pit), property tax (podatek_od_nieruchomosci). Returns counts per full week (series finwire_tax_rulings_pulse), provisions cited most often in the last 52 weeks and the newest rulings with signature, authority, dates, shortened thesis and a link to the full text. A ruling answers one taxpayer about their own case; it is not legal advice.

Use for tax on dividends, interest or royalties paid abroad. Also use for the countries that invest the most in Poland (NBP data). Give the legal basis and the verification date of each fact. Polish withholding tax on dividends, interest and royalties paid to a resident of a country: the statutory rate, the rate in the double tax treaty with Poland (portfolio and qualified holding), whether MLI modifies the treaty, and the EU/EEA/Swiss parent-subsidiary exemption with its holding conditions. Covers the largest investor countries by NBP data; without country returns the list and the ranking.

Use for car registrations, car brands and Chinese car brands. First registrations of vehicles in Poland, monthly since 2014, from the Ministry of Digital Affairs files with CEPiK data: passenger cars and all vehicles, 17 vehicle types, provinces per 1000 residents, top passenger-car brands of the month and of 12 months (nationwide or one province) and the share of brands from China by province, with the finwire indices finwire_car_registrations_pulse (12-month passenger cars, change year on year) and finwire_chinese_brands_share. A first registration in Poland covers new cars and used cars imported from abroad. Months with an inconsistent province or type split are held back and listed. For electric cars use get_electric_vehicles.

Use for a list of all finwire indices (id finwire_*) with the latest values. Give the id and the method version from the citation field. All indices computed by finwire.pl, each under a stable id finwire_* (e.g. finwire_mortgage_barometer, finwire_credit_capacity_index, finwire_deposit_rate_index, finwire_savings_rate_index, finwire_rcn_price_index, finwire_price_gap_index, finwire_entry_threshold_index, finwire_credit_market_index, finwire_nowcast, finwire_legal_calendar): latest reading with its period, change vs the previous reading, method version and citation. Use get_finwire_index for one index with history.

Use first to find the key of a macro indicator. Then use get_macro_indicator with that key. Find indicators and their keys. Latest reading, change, next release and source for GDP, CPI and core inflation, unemployment, wages, retail sales, industrial output, NBP rates, FX, consumer sentiment, mortgage market and statutory limits. Filter by group or free text (Polish or English words, e.g. "inflacja", "wages"). Set include_descriptions to learn what each series measures when keys look alike (cpi-rr vs hicp-rr).

Use when a person from abroad wants to start a business in Poland: available forms, taxes per form, steps and deadlines. Give the legal basis and the verification date of each fact. One call for someone from abroad starting a business in Poland: every legal form with available yes/no and the reason for their residence status, yearly taxes and net income to the owner for each available form (dividend tax at the tax-treaty rate of the owner country), setup steps, residence and identity requirements, and the deadline calendar for the best option. Facts carry the act, article, link and verification date.

Use when no other tool is applicable. Then use get_dataset with the id from the result. Catalog of all finwire.pl datasets (rates, FX, gold, fuel and energy prices, Finwire Nowcast, broker fees, housing prices and rents, credit market, legal limits and law changes, regional income, Europe) with the best tool to call, its parameters, license and finwire.pl page.