In brief

• IKZE contribution limits will rise in 2027, based on the minister's notice of 27 October 2026.
• Most savers will be able to pay in PLN 12,039.60, and those running non-agricultural business activity PLN 18,059.40.
• This year's limits can be used until the end of December 2026.

How much can be paid in 2027

According to this document, most savers will be able to pay in PLN 12,039.60, and people running a business outside agriculture PLN 18,059.40 (Nowe wyższe limity wpłat na IKE i IKZE w 2027 roku – GazetaPrawna.pl) (Ważna informacja dla oszczędzających Polaków. Są nowe limity wpłat na IKZE – parkiet.com) (Wyższy limit wpłat na IKZE w 2027 roku. Jest już obwieszczenie Ministra Rodziny, Pracy i Polityki Społecznej - Forsal.pl – forsal.pl).

How it compares to this year

| Group of savers | 2026 limit (PLN) | 2027 limit (PLN) | |---|---|---| | Most savers | 11,304 | 12,039.60 | | Non-agricultural business activity | 16,956 | 18,059.40 |

The increase applies to both groups (Limity IKZE pójdą w górę. Znamy kwoty na 2027 rok - Bankier.pl – bankier.pl) (IKZE z wyższymi limitami. W 2027 r. wpłacisz więcej – Money.pl).

Why the limit is rising

The level of the limit depends on the forecast growth of the average wage in the country (Nowe limity IKZE na 2027 rok. Będzie można wpłacić więcej – tvn24.pl). Contributions to IKZE can still be deducted from the tax base, which lowers the tax payable, especially for people taxed at the 32 percent rate..

What to do before the end of the year

This year's limits apply until the end of December 2026. Anyone who wants to use the current amounts this year must pay the money in before the end of the calendar year.