In brief

• The maximum yearly IKZE payment rises in 2027 under a ministerial notice published in the Monitor Polski.
• Limits for most savers rise from 11,304 zł in 2026 to 12,039.60 zł in 2027.
• Limits for self-employed savers rise from 16,956 zł in 2026 to 18,059.40 zł in 2027.

New ceilings from 2027

The limit on yearly payments into an Individual Retirement Security Account (IKZE) will go up in 2027. The increase reflects the forecast rise in average wages in Poland (Nowe limity IKZE na 2027 rok. Będzie można wpłacić więcej – tvn24.pl).

Limits compared

• Most savers: 11,304 zł in 2026, rising to 12,039.60 zł in 2027 (Limity IKZE pójdą w górę. Znamy kwoty na 2027 rok - Bankier.pl – bankier.pl) (Ważna informacja dla oszczędzających Polaków. Są nowe limity wpłat na IKZE – parkiet.com)
• Self-employed savers: 16,956 zł in 2026, rising to 18,059.40 zł in 2027

Who is affected

IKZE is one of the voluntary pension savings options in Poland's third pillar. Contributions can be deducted from the tax base, which can noticeably lower income tax (Wyższy limit wpłat na IKZE w 2027 roku. Jest już obwieszczenie Ministra Rodziny, Pracy i Polityki Społecznej - Forsal.pl – forsal.pl). Money held in the account stays the saver's property and can be inherited.

What happens next

The new limits apply from the start of 2027. Until then, the 2026 ceilings remain in force.