B2B vs Employment Calculator 2026

Calculation Result

Your calculated net income as a B2B contractor is PLN 16,110, while as an employee, it is PLN 9,400. This indicates that opting for B2B is significantly more profitable by around PLN 6,710.

For B2B, after accounting for costs and taxes, your effective income is higher, showcasing the benefits of a self-employed structure over traditional employment.

How the Calculator Works

Our calculator takes into account various factors including your gross income, business costs, and tax forms. By inputting these values, it computes your potential earnings under both B2B and employment scenarios, providing a clear comparison.

Example Calculation

Suppose you have a contract net of PLN 20,000, a gross salary of PLN 15,000, and B2B costs of PLN 1,000. Using these figures, your B2B net income would be calculated as follows:

Net B2B = Contract Net - Costs - Taxes = PLN 20,000 - PLN 1,000 - (15% tax) = PLN 15,500.

Extra Tips

When choosing between B2B and employment, consider not just the financial aspects but also job security, benefits, and personal work preferences. It's also wise to consult with a financial advisor to tailor your decision to your specific needs.