Settled in Poland
4guides
ZUS emerytura, PPK, private pillars, and combining contribution years from abroad.
ZUS emerytura: how your state pension buildsEvery month of ZUS contributions builds your future emerytura — check your recorded capital yearly so gaps don't surprise you at retirement age.
PPK: the workplace savings top-upPPK is an auto-enrolment workplace plan where you, your employer, and the state all pay in — foreigners on Polish contracts are enrolled like anyone else.
IKE and IKZE: private retirement accountsIKE and IKZE are voluntary third-pillar accounts with annual limits and real tax perks — worth opening once your income is stable.
Combining contribution periods from other countriesYears worked in the EU/EEA (and treaty countries) can be totalised with your ZUS record so you don't lose pension rights by having moved.