urelio

Know what your money can do.

Your pay, a home, your savings and the year you could stop working — worked out on your iPhone, under Polish rules. Nothing ever leaves it.

Illustrative figures, shown for Poland.

Gross to Net

What’s left in hand

Your gross pay taken apart line by line, with tax, contributions and pension. Then the same gross as self-employed, side by side.

Net monthly

8 509,87 zł

from 12 000 zł gross · employment contract

In hand · 71 %12 000 zł gross

Where it goes

Pension

−1 171,20

Disability

−180,00

Sickness

−294,00

Health

−931,93

Income tax advance

−913,00

Total deductions

−3 490,13

Employment

8 509,87 zł

B2B

≈ 8 861 zł

≈ +351 zł a month on B2B, before accounting costs. You pay your own ZUS and health contribution.

Mortgage

What a home really costs

The monthly installment, what you could borrow under Polish lending limits, and how much sooner the loan is gone if you pay a little more each month.

Each month

4 033 zł

installment for an 850 000 zł home

Left to repay · from 680 000 zł

20262056

Paid off in: 2056
Total interest: ≈ 772 000 zł

Down Payment

A plan for your home

Set the price and what you can put aside each month. Log it with one tap, and the Prism House builds as you save, pane by pane, until the roof goes on.

Saved so far

102 000 zł

of 170 000 zł · 60 %

Walls up. Roof by June 2028.

3 500 zł a month · each dash on the roof is a month to go

October logged

October loggedNext log in November

Compound Interest

The power of reinvesting

What steady saving becomes when every return is reinvested, year after year, and the year growth overtakes what you put in.

2026

2038

2056

≈ 502 000 zł

in 2056, from 500 zł a month at 6 %

Paid in 180 000 zł Growth ≈ 322 000 zł

Start saving in

From 2038, growth adds more each year than you do.

Also in Aurelio

Early Retirement
The year your savings could carry you
Bonds & Savings
Treasury bonds or a deposit, after tax

Yours, and only yours. Forever.

Aurelio has no servers and no account. Every figure is worked out on your iPhone and stays there. Switch the connection off and nothing changes.

Data Not Collected

The privacy label Aurelio carries on the App Store.

Pension−1 171,20

Disability−180,00

Sickness−294,00

Health−931,93

Income tax advance−913,00

Total deductions−3 490,13

The rules change every year. You don’t have to keep up.

Rates, thresholds and contribution bases move at least once a year, and each one feeds the next. Aurelio carries the current rules inside the app, checked against the official sources, and keeps them up to date for you.

Poland · what changed

Minimum wage
Council of Ministers
4 806 zł
ZUS base, self-employed
ZUS · 60 % of the forecast average wage
5 652,00 zł
Minimum health contribution
ZUS · from February
432,54 zł
Tax-free amount
Ministry of Finance · unchanged
30 000 zł

3 of 4 changed for 2026. Aurelio changed with them.

Every figure in Aurelio cites its official source.