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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.

Period
Which apps did you ride for? Pick one or more
Pick at least one app
zł
Enter everything together, as you see it in the apps, before cash is taken off. Glovo, Wolt, Bolt Food and Pyszne show the amount without VAT, Uber Eats — with VAT. For Glovo enter the full income — we take off the 4.92 zł/week app fee ourselves.
zł
The Uber Eats amount is larger than the total. Uber Eats is part of the total — check the numbers.Uber Eats is the only app that shows income including VAT. Enter its part of the total — including cash. We take the 23% VAT off that part only.
zł
Tips carry no VAT.
Glovo weeks in the month
Wolt / Bolt Food weeks in the month
Did you get cash from the app?
zł
The cash amount is larger than the total. Cash is part of the total — check the numbers.Cash is income too. It is part of the total, and ZUS and tax are deducted from it as well. The partner subtracts the cash you received from the payout — so the bank transfer is smaller by that amount.
Status
Hours in the contract (per month)
hours
Pick at least one app

Your partner pays less? Switch partner

The result may differ from your partner's payout by a few groszy (up to 0.10 zł per week) — this is how the partner rounds contributions.

Sick leave (L4) is unpaid by default — no sickness contribution is taken. You can switch it on with the partner: deductions grow by 2.45% of the amount. Paid L4 starts after 90 days of continuous insurance.

zł
The payout from the partner's app — to check against.

If the payout does not match, ask your partner what the difference was taken for. Or switch partners.

Every 10 zł a week of extra partner commission means 43.33 zł less take-home a month and 520.00 zł a year.

A result for umowa zlecenie under standard settlement rules. This is not tax advice — the exact deductions are in your partner's settlement.

How we calculate, step by step

  1. We take off Glovo's 4.92 zł weekly app fee ourselves, before contributions — enter your Glovo income in full.
  2. 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.
  3. Income = total amount − VAT.
  4. 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.
  5. 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.
  6. Health is 9% of the amount after social contributions, rounded up to the grosz. Deductible costs are 20% of the same amount.
  7. 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

SituationDeductionsTake-home
Student under 26−0.00 zł1 000.00 zł
Under 26, not a student−192.47 zł807.53 zł
26+−277.66 zł722.34 zł
26+ with sickness insurance−297.61 zł702.39 zł
26+ with a main job−186.00 zł814.00 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.

Done the maths? Start riding

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