Courier earnings calculator: what you take home
Enter the amount from the app and pick your situation. We calculate the way a settlement partner does: VAT, ZUS, health and PIT, to the grosz.
How we calculate, step by step
- We take off Glovo's 4.92 zł weekly app fee ourselves, before contributions — enter your Glovo income in full.
- VAT 23% comes off Uber Eats only, without tips: (Uber Eats − tips) × 23/123. Glovo, Wolt, Bolt Food and Pyszne already show the amount without VAT. VAT is not your tax: the partner passes it to the state.
- Income = total amount − VAT.
- With Wolt daily or weekly payouts the partner charges 29.90 zł a week (Bolt Food alone — 29.99 zł, Wolt + Bolt Food — 49.99 zł), the first payout of the month free. It comes off before contributions.
- From what is left we take pension 9.76%, disability 1.5% and, if you have it, sickness 2.45%. Each one separately, to the grosz.
- Health is 9% of the amount after social contributions, rounded up to the grosz. Deductible costs are 20% of the same amount.
- PIT 12% of the rest after costs, at every payout. The partner does not apply PIT-2, so part of the tax comes back in your annual PIT-37.
What was deducted and why
| VAT 23% | Not your tax. The platform pays the partner an amount with VAT and the partner passes it to the state. Tips carry no VAT. |
| Pension (emerytalne) 9.76% | Goes towards your future pension, saved on your ZUS account. |
| Disability (rentowe) 1.5% | Insurance in case you lose the ability to work (renta). |
| Sickness (chorobowe) 2.45% | Voluntary on umowa zlecenie. Without it sick leave is unpaid. |
| Health (zdrowotna) 9% | Gives you free treatment in the NFZ system: doctor, hospital, prescriptions. |
| Income tax PIT 12% | Income tax. First 20% deductible costs come off, the tax is taken from the rest. Without PIT-2 part of it comes back in PIT-37 (tax-free amount 30 000 zł a year). Under 26 no tax is withheld — youth relief up to 85 528 zł a year. |
Example: 1 000 zł from platforms per week
| Situation | Deductions | Take-home |
|---|---|---|
| Student under 26 | −0.00 zł | 1 000.00 zł |
| Under 26, not a student | −192.47 zł | 807.53 zł |
| 26+ | −277.66 zł | 722.34 zł |
| 26+ with sickness insurance | −297.61 zł | 702.39 zł |
| 26+ with a main job | −186.00 zł | 814.00 zł |
No Uber Eats (so no VAT) and no Wolt.
Questions about take-home pay
Why do I get less on my account than the app shows?
The app shows the amount before contributions and tax (Uber Eats also includes VAT). The partner takes contributions and the PIT advance, and on Uber Eats also passes 23% VAT to the state. Partner fees are compared in how to choose a partner.
Why is my Uber Eats payout lower than the app shows?
Uber Eats is the only app that shows income including VAT. The partner passes 23% VAT to the state, so of every 100 zł in the app 81.30 zł is left before contributions. Glovo, Wolt, Bolt Food and Pyszne show the amount without VAT.
Do I pay ZUS and tax on cash orders?
Yes. Cash is part of your income: it counts towards the total, and contributions and the PIT advance are calculated on all of it. The partner subtracts the cash you already have from the payout to your account.
I am a student under 26. What is deducted?
Nothing except VAT on Uber Eats. You pay no ZUS, health contribution or tax on umowa zlecenie. Arrange health cover through your parents or your university.
I have a full-time job paying 4 806 zł gross. Do I pay ZUS twice?
No. Your employer pays pension and disability; the civil contract only carries health and PIT. If your salary is lower, the partner takes social contributions too.
Is voluntary sickness insurance worth it?
It costs 2.45% of your income and gives you paid sick leave after 90 days of insurance. The calculator shows what that means at your amount.
Why does the partner not apply PIT-2?
With many payouts a month on a civil contract the partner withholds the full advance. The tax office returns any overpayment after your annual PIT-37.
My payout differs from the calculation. What now?
Enter your payout in the check field and the calculator shows the difference. Ask your partner what it was taken for. If the answer does not convince you, switching partners is free.
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