Poles joined the PPK en masse. Tens of thousands of new participants arrived in a month

Thousands more employees join PPK. At the end of February, the program already had approximately 4.3 million active participants.

Employee Capital Plans have been operating in Poland since 2019 and are intended to encourage employees to save money for retirement. Participation in the program is voluntary, which means that you can opt out of it or return to it again. Both employees and employers participate in the system, and the state also provides additional support.

The rules of the program are clearly defined. The employer finances the basic contribution to PPK in the amount of 1.5%. or 2.5 percent employee’s remuneration, which applies to employment contracts and mandate contracts. In turn, the employee allocates 2% every month. your salary. In addition, there is a one-time welcome payment from the state.

Employee Capital Plans attract more and more participants

Although the program was not met with much enthusiasm at the beginning, recent years have shown a clear increase in interest. As reported, at the end of February there were approximately 4.3 million active participants in PPK. Only in January this year, over 61,000 people joined the program. new people, and in February another 55 thousand.

The president of the Polish Development Fund, Piotr Matczuk, emphasized that there are currently approximately PLN 48 billion in PPK accounts. As he noted, there is no net outflow of participants, and the increase in the number of people saving is consistent with the assumptions of the program. This shows that PPK is gradually building a stronger position among forms of long-term saving.

Employee Capital Plans increase assets faster than deposits

At the end of 2025, the value of accumulated assets exceeded PLN 45 billion. Last year alone, the increase in assets amounted to PLN 15 billion. This is one of the strongest signals that the program is gaining importance and attracting more and more funds set aside by employees and employers.

As reported, the funds’ results brought an increase ranging from 9 to 30 percent. The text noted that this result was clearly better than any profits from bank deposits. That is why PPK is increasingly being perceived as an alternative to traditional forms of saving.

Employee Capital Plans and an annual subsidy for participants

By mid-April, some PPK participants will receive an annual payment for 2025. It will amount to PLN 240. It will be awarded to employees whose basic and additional contributions in a given year, financed by the employee and the employer, amounted to at least 3.5%. six times the minimum wage applicable in the year for which the payment is due.

Since in 2025 the minimum wage was PLN 4,666, in order for the participant to be entitled to the annual payment, his contributions had to reach a minimum of PLN 979.86. In the case of people who, at their own request, reduced the percentage of the basic payment, the required level is at least PLN 244.97. This is another element of the program intended to encourage regular saving and strengthen interest in PPK.

FAQ – Frequently asked questions about Employee Capital Plans

What are Employee Capital Plans?

Employee Capital Plans is a savings program launched in 2019 to help employees save money for retirement.

Is participation in PPK obligatory?

NO. Participation in the program is voluntary. The employee may resign from saving and later re-enroll in PPK.

How many people are currently saving in PPK?

At the end of February, there were approximately 4.3 million active participants in the program. In January alone, over 61,000 people arrived. new people.

Where does the money in PPK come from?

Payments from the employee and employer are transferred to the account, and in addition, the state provides a one-time welcome payment and an annual payment for participants who meet the conditions.