Example 1
- Gain: 1,000
- Rate: 19%
Tax 190
Net 810
How much Belka tax on 1,000 of gain at 19%? Tax 190, net 810.
Belka Tax Calculator
Three modes: direct gain, deposit interest (simple or monthly compound) then a flat cut, and a 0% comparison. At 1000 and 19%, tax is 190 and net is 810. Teaching arithmetic — not Form 8949 and not Polish PIT-38.
Result
Choose a mode, enter the inputs and rate. The result shows up here.
US caveat: Belka is a Polish colloquial name for flat capital-gains withholding. It does not apply to US residents as a federal tax. Long-term vs short-term rates, NIIT, and Form 8949 are separate. Use the rate field only as a what-if percentage.
Tax = gain × rate/100. Deposit mode builds interest first, then the flat cut. The 0% comparison shows tax saved. Pair with term deposit when you want a dedicated interest page.
How results are calculated
Gain1000
×19%0.19
→Tax190
This page multiplies a gain you enter by a flat rate. At 1,000 and 19%, tax is 190 and net is 810. The default 19% matches typical Polish Belka withholding — a teaching default on the English page, not a claim that Belka tax applies in the United States.
Enter interest or sale gain, not the whole principal. US long-term vs short-term brackets, NIIT, wash sales, Schedule D, and Form 8949 are different rules. Rate chips (15% / 20%) are what-if percentages only.
The estimate stops at one number times one rate. Loss carryforwards, account wrappers, and state tax stay out of scope. Pair a deposit-interest result with this page only when you want the flat-cut arithmetic, not an IRS filing plan.
Article hook: a deposit statement shows 500 of gross interest, yet the account grows by less — at a 19% flat cut, 95 disappears. This page shows only gain × rate. It does not claim Belka applies in the US; change 15% or 20% only as a scenario against IRS rules.
Formula
Model: flat gain × rate (Belka-style teaching math; not US law) — tax = gain × rate/100
tax = gain × (rate / 100)
net = gain − tax
How to use the calculator
- In Gain (interest / capital gain), enter the gain alone, for example 1000. Do not paste the whole principal.
- In Tax rate (%), leave 19 or enter another scenario rate.
- Click Calculate. At 1000 and 19 you should see 190 tax and 810 net.
- Check the straight line: 5000 yields 950 tax, five times the first example.
- If you only know a deposit amount and rate, open term deposit first, then bring the interest here.
19% on 1000 of gain
Belka tax: 1000 × 0.19 = 190, net 810. From 250 of interest you lose 47.50. You enter the gain, not principal.
- Belka
- The colloquial name for this flat gain tax. 190 from 1000 at 19%. Not a filing.
- gain
- The calculator field. 1000, 5000, or 250 of interest. A 10000 principal does not belong here.
Usage examples
Example 2
- Gain: 5,000
- Rate: 19%
Tax 950
Net 4,050
How much Belka tax on 5,000 of gain? Tax 950, net 4,050.
Example 3
- Gain: 250
- Rate: 19%
Tax 47.50
Net 202.50
How much Belka tax on 250 of interest? Tax 47.50, net 202.50.
Related calculators
FAQ
How does this page count Belka-style tax?
Tax = gain × rate/100. At 1000 and 19% tax is 190, net 810. Enter the gain, not the full principal.
Does this replace PIT-38?
No. It is a flat estimate on one gain. PIT-38, loss carryovers, and retirement-account limits do not enter.
What does the 0% chip mean?
A comparison scenario: the same gain with no cut. It resembles an IKE/IKZE-style exemption but does not check limits or statute conditions.
How do IKE and IKZE differ from this model?
IKE/IKZE have their own contribution limits and exemption rules. Here you only multiply the gain by a rate or by 0% in a scenario.
Has the bank already withheld Belka?
Often yes on deposit interest. Then 190 from 1000 shows the same mechanism the bank applied.
Where do I get the gain amount?
From deposit interest, a sale gain, or another capital item. Compute interest on the deposit page first, then bring only the gain here.
Can I change the rate to 15% or 20%?
Yes — for a scenario. The default is 19%. Another rate does not mean the statute works that way for your case.
What does “you keep %” show?
100 minus the rate. At 19% you keep 81% of the gain after the flat cut.
Do PPK or similar plans enter the result?
No. The model does not know retirement accounts beyond the 0% chip as pure arithmetic.
Is the result tax advice?
No. It multiplies the numbers you enter. Filing and decisions belong to an adviser or the rules.
Why not enter the full 10,000 principal?
Because Belka applies to the gain. 10,000 × 19% would overstate tax. At 5% on 10,000 first compute 500 interest, then 95 at 19%.
How is this different from income tax?
Here a flat cut on a capital gain. PIT brackets and cost basis live on other pages.
How do the three modes differ?
Direct gain multiplies the entered gain. Deposit mode first computes interest from capital, rate, and months. Compare shows Belka versus a 0% scenario on the same gain.
How is deposit interest counted?
By default simple interest: capital × rate/100 × months/12. At 10,000, 5%, and 12 months that is 500. Optional monthly compounding: capital × ((1 + rate/1200)^months − 1).
What does savings vs 0% show?
The tax you would not pay in a 0% scenario (teaching IKE/IKZE-style contrast). It is the Belka amount on the same gain.
What is the effective % of capital?
Tax ÷ capital × 100 when capital is entered. It shows how large Belka is relative to the deposit principal.
Why not enter the full capital in direct-gain mode?
Direct mode taxes the gain field only. Putting the whole principal there overstates the tax. Use deposit mode for capital + rate + months.
What is the Belka tax rate in 2026 on this calculator?
The default rate here is 19% of the gain you enter. The calculator does not check statute changes or exemptions — the result is gain × rate/100. It does not replace PIT-38 or a broker statement.
Does deposit interest count as Belka tax?
Yes — bank interest is usually taxed at 19% in Poland. In deposit mode the calculator first computes interest (simple or monthly compound), then applies your chosen rate. Banks often withhold automatically; here you only see the arithmetic.
Can a stock-market loss reduce Belka tax on this page?
No. The model multiplies one positive gain by the rate. Loss offsets, PIT-8C, and multi-year carryovers are outside this page — those belong on PIT-38.
How is the 0% comparison different from a real IKE or IKZE exemption?
The 0% chip shows the same gain with no cut — an orientation-style comparison. It does not check contribution limits, withdrawal age, or statute conditions.
Knowledge sources
Tax is gain × the rate you enter. This is not a capital-gains filing.
Page updated in 2026.