In 2025 13th pension it became a fact, but many seniors are amazed at the amount of benefits received “on hand”. Why are net amounts different from expected? Let us examine in item what deductions affect the final tallness of the "Thirteen".
Thirteenth retirement – what is it?
Thirteenth Pension is an additional yearly cash benefit for pensioners and pensioners, introduced permanently in 2021. In 2025 its amount is PLN 1878.91 grosswhich corresponds to the lowest pension after March valorisation. The payment of the ‘Third’ shall be made automatically without additional applications being required.
What depends on the net ‘Thirteen’?
Although the gross amount of the ‘third’ is fixed, the net benefit depends on individual deductions, specified as:
- Health contribution (9%): Mandatory for all pensioners.
- Advance payment for income taxation (12%): For persons whose yearly income exceeds the tax-free amount, PLN 30 000.
Examples of net ‘Thirteen’ calculations
The following are indicative calculations of the net ‘Thirteen’ for different basic pension amounts:
| 1780.96 zł | PLN 1878.91 | ~1558.83 PLN |
| 1800 zł | PLN 1922,04 | ~1556.42 PLN |
| PLN 1850 | 1975,43 zł | ~1550.09 zł |
| 1900 zł | PLN 2028,82 | ~1543.76 PLN |
| 1950 zł | PLN 2082,21 | ~1537.42 PLN |
| 2000 PLN | PLN 21100.00 | ~1531.09 zł |
| 2050 PLN | PLN 2188.99 | ~1524.76 PLN |
| PLN 2100 | PLN 2242,38 | ~1518.43 PLN |
| PLN 2150 | PLN 2295,77 | ~1512.10 zł |
| PLN 2200 | PLN 2349.16 | ~1505.77 PLN |
| PLN 2250 | PLN 2402,55 | ~1499.44 PLN |
| PLN 2300 | PLN 2455.94 | ~1493.11 zł |
| PLN 2350 | PLN 2509,33 | ~1486.77 PLN |
| 2400 PLN and more | PLN 2562.72 and more | ~1484.34 PLN |
Why is the “Third” lower than expected?
Many pensioners note that the "Thirteen" received is lower than expected. This is because:
- Health contribution: It is deducted from the full gross amount of the ‘third’ which automatically reduces the net value.
- Income tax: For persons whose yearly income exceeds PLN 30 000, an advance on income taxation shall be collected from the amount of the ‘Thirteen’ above that limit.
Who will not receive the “Thirteen”?
Thirteenth Pension do not have:
- Persons whose basic service has been suspended or suspended.
- Persons staying abroad, independent of the Polish social safety system.
- People who died before the day of payment of the benefit.
Come on. 13th pension aims to supply financial support to seniors, the net amount received may be lower than expected due to existing deductions. It is crucial that pensioners be aware of these deductions and plan their finances taking these burdens into account.
Continued here:
Thirteenth Pension 2025: See how much you truly get
