Payroll and HR
PPK: what is it?
Employee Capital Plans
PPK is a retirement savings scheme funded by the employee, the employer and the state. Contributions are transferred by the 15th of the following month.
Key answers
- What it is
- A nationwide long-term savings scheme, voluntary for the employee. The employer signs a contract with a financial institution and contributions are financed by the employee, the employer and the state (subsidies).
- Who it affects
- Employers employing people covered by PPK (by default employees aged 18-54, older ones on request). An employee can opt out.
- When
- You transfer contributions to the financial institution by the 15th day of the month following the month in which pay was disbursed. Employees can opt out and come back to PPK.
- Where
- To the financial institution with which the employer signed the PPK management contract. Official information: the gov.pl portal and PFR.
How it works in Zaksio
Zaksio keeps enrolments, opt-outs and the monthly PPK contribution summary with a CSV file for the transfer.
This is information, not legal advice. As of 2026-10. Deadlines and rules may change, so check them in the official source.
Source: gov.pl: Employee Capital Plans
