finwire.pl - Polish financial data

Start here for "how is the Polish economy doing" or a briefing. Returns the six headline indicators (GDP, inflation, unemployment, wages, rates and similar) with latest reading, change and freshness, which indicators changed recently, and the next releases and RPP meetings.

Takes no parameters.

Find indicators and their keys. Latest reading, change, next release and source for GDP, CPI and core inflation, unemployment, wages, retail sales, industrial output, NBP rates, FX, consumer sentiment, mortgage market and statutory limits. Filter by group or free text (Polish or English words, e.g. "inflacja", "wages"). Set include_descriptions to learn what each series measures when keys look alike (cpi-rr vs hicp-rr).

One indicator by key with its meaning, latest reading, freshness, next release and history (oldest first) with min and max over the window. Use for "what is the current X", "how has X changed".

History of 2-4 indicators aligned by period, for questions like "are wages growing faster than prices". All keys must have the same frequency (all monthly, or all quarterly); otherwise the call fails and says which differ.

Indicators whose reading was updated in the last N days (newest first), with the change against the previous reading.

Upcoming Polish macro releases and decisions (RPP rate decisions, CPI, wages, GDP, industrial output) with date, time and importance (higher is more important). Dates marked tentative may move.

Catalog of all finwire.pl datasets (rates, FX, gold, fuel and energy prices, Finwire Nowcast, broker fees, housing prices and rents, credit market, legal limits and law changes, regional income, Europe) with the best tool to call, its parameters, license and finwire.pl page. Use when no other tool obviously fits.

Any dataset by id from search_datasets, with optional params listed there. Returns the same data as the public REST API /v1 (long lists shortened). Prefer the dedicated tools when one fits.

Current NBP policy rates (reference, lombard, deposit, rediscount, discount) with the date of the last change, or the history of one rate. WIBOR and POLSTR are not available (GPW Benchmark license).

NBP mid, bid and ask rates of currencies against PLN (table), the history of one currency, or the NBP gold price (code "XAU").

Maximum retail prices of Pb95, Pb98 and diesel in PLN per litre announced by the Minister of Energy in Monitor Polski: price in force, next day price if announced, and recent history.

Average retail prices of 30 goods and services in Poland from GUS (bread, butter, milk, eggs, meat, vegetables, sugar, electricity, gas, heating, petrol, diesel, bus ticket, taxi, haircut, doctor visit, cinema) for the latest month, with change vs the previous month and the same month a year earlier and the minutes of work each costs at the average net wage; plus the finwire shopping basket of 10 staple foods (finwire_shopping_basket_index).

Average old-age pension paid by ZUS (gross and net), disability and survivor pensions, number of pensioners, sickness and maternity allowances, the pension to wage ratio finwire_pension_wage_ratio, CPI, minimum pension and indexations, monthly from preliminary ZUS data (without KRUS and uniformed services).

Profile of the typical person in Poland (finwire_average_pole) built from the latest official readings: median age (Eurostat), median gross and net wage (GUS), median price per m2 of a flat (GUS), average new mortgage (BIK), model monthly mortgage payment, average ZUS pension, spending per person (GUS household budgets), car age classes (Eurostat) and the most registered car brand. Each trait carries its measure (median, mean, model, distribution, most frequent) and its own data period.

Takes no parameters.

Assets, purchases of units, redemptions and net flows of investment funds in Poland from monthly IZFiA data: whole market, fund groups (short-term bond, bond, equity, mixed, PPK, target date, absolute return, commodity, crypto assets, private market) with IZFiA profiles, bond funds by type, equity funds by region, net flows since January and over 12 months, and the finwire index finwire_fund_flows_index (12-month net flows as % of assets a year earlier). Amounts in PLN million. Informational data, not investment advice.

Monthly applications filed in CEIDG, the Polish register of sole proprietorships (Ministry of Development and Technology data on dane.gov.pl): registrations of new sole proprietorships, closures (deregistrations), suspensions and resumptions, registrations minus closures, the latest month against the same month in earlier years, the share of women among founders, sums since January and over 12 months, and the finwire index finwire_new_business_ratio (registration applications per 100 closure applications over 12 months; above 100 the number of firms grows). Counts of applications, not of firms in the register; companies registered in KRS are not included.

First registrations of vehicles in Poland, monthly since 2014, from the Ministry of Digital Affairs files with CEPiK data: passenger cars and all vehicles, 17 vehicle types, provinces per 1000 residents, top passenger-car brands of the month and of 12 months (nationwide or one province) and the share of brands from China by province, with the finwire indices finwire_car_registrations_pulse (12-month passenger cars, change year on year) and finwire_chinese_brands_share. A first registration in Poland covers new cars and used cars imported from abroad. Months with an inconsistent province or type split are held back and listed. For electric cars use get_electric_vehicles.

Battery electric (BEV) and plug-in hybrid (PHEV) passenger cars in Poland: fleet at year end and new cars in the year with shares (Eurostat), fuel mix of new cars, provinces and counties per 1000 passenger cars with top and bottom counties (GUS BDL, when the county series is available), and the correlation of public charging sites per 10k residents with BEV per 1000 cars across counties, with a 95% interval and a version controlling the median wage. Correlation is not causation. Index finwire_ev_share_new_cars. For charging points use get_ev_charging.

Public EV charging in Poland from the UDT register EIPA: locations, stations and charging points today and at each month end since December 2019, growth year on year, charging sites and fast sites (at least 50 kW) by province and county, sites per 10k residents, sites by maximum power class (EU AFIR: up to 22 kW, 23-49, 50-149, 150-349, 350+ kW) and connector (CCS, Type 2, CHAdeMO), counties with the most ultra-fast sites (150 kW and more), networks with the most fast sites, the finwire index finwire_ev_charging_coverage (charging points per 1000 BEV and PHEV cars in the fleet), growth records and the finwire index finwire_ev_infrastructure_growth (charging points year on year), and daily growth by power class and network since the start of measurement. Interactive map with every site: finwire.pl/mapa-ladowarek.

Public EV charging sites in Poland from the UDT register EIPA near a city or a point: give city, or lat and lon with radius_km. Filters: min_kw (e.g. 150 for ultra-fast), free_charging, available_now (at least one point free according to a status younger than 2 hours), network slug, connector (ccs, chademo, type2). Each site: name, address, network, power class (AFIR), maximum kW, points, points free now, lowest ad hoc price per kWh (price for a driver without a contract), distance. Pass id for one site with stations, points, connectors, prices and status. Operators report data; check the price at the charger.

Ad hoc EV charging prices in Poland (for a driver without a contract) reported by operators to the UDT register EIPA: median price per kWh with point counts by power class (AC up to 22 kW, DC below 50 kW, DC 50-149 kW, from 150 kW), AC vs DC, cheapest and most expensive networks, share of points with a per-minute fee, recent price changes and the finwire index finwire_ev_charging_price_index. With network: that network's price list by power class and its price changes. Subscriptions and app tariffs can be cheaper and are not included.

IKE and IKZE (Polish individual retirement accounts with tax relief) from half-yearly KNF data: number of accounts and assets, split by institution type (insurers, investment funds, brokers, banks, voluntary pension funds), accounts opened, contributions, withdrawals and returns since January, holders by sex and age, average annual contribution as % of the statutory annual limit (December states), and the finwire index finwire_ike_ikze_avg_balance (average balance per account). Amounts in PLN. For the contribution limits themselves use get_legal_limits. Informational data, not investment advice.

Czyste Powietrze (Clean Air), the Polish subsidy programme for replacing heating sources and thermal modernisation of single-family houses, from the weekly NFOŚiGW summary: applications, contracts and paid subsidies cumulative (all editions and the Modernisation Fund edition), last week, completed contracts, bank loan grants, requested heat sources by type, the payout queue (contracted but not yet paid) with weekly pace, and finwire_clean_air_payout_rate (paid as % of contracted). National data only.

Premia obligacji skarbowych finwire (finwire_retail_bond_premium): by how much the first-year rate of Polish State Treasury retail savings bonds (OTS, ROR, DOR, TOS, COI, EDO; family ROS and ROD separately) exceeds the finwire deposit index (best 3-month deposits), the finwire savings account index and the average new household term deposit (NBP MIR), after the 19% capital gains tax on both sides, in percentage points; monthly retail bond debt change (Ministry of Finance), household term deposits change (NBP) and a sales response test on our own series. Describes the rate gap only, not investment advice.

Sztywne koszty gospodarstwa finwire (finwire_fixed_cost_burden): share of net income of a model household (two earners on the regional median wage) taken by the mortgage payment on a 50 m2 flat in the province capital, administrative fee, heating, water, waste, electricity and TV licence; Poland and 16 provinces, monthly, with the share without the mortgage.

Pieniądze Twojej gminy (finwire_gmina_spending_per_capita): for one Polish municipality (gmina) or city with county rights - executed spending per resident by category (schools, social help, family benefits and nurseries, roads, waste and water, administration, culture, sport, municipal housing, fire brigades, interest on debt) vs neighbouring municipalities, municipalities of similar type and size and Poland (Ministry of Finance Rb-28S, last full year and current year to date), investment share, debt per resident at the end of the latest quarter (Rb-Z), EU funding per resident 2021-2027 and 2014-2020 with the largest projects (only projects located in one municipality; natural persons are not named). Without a municipality: national figures; with metric: ranking.

Indeks chłodu sezonu finwire (finwire_heating_season_index) and Koszt sezonu grzewczego finwire (finwire_heating_season_cost): heating degree days since 1 July (Eurostat method, IMGW-PIB synoptic stations) vs the 20-season norm for Poland and 17 cities, cold index (100 = norm, below = warmer), season forecast with an 80% interval only when the backtest gate passes (otherwise the reason), season heating cost of a 100 m2 house (gas, heat pump, coal, district heating), monthly means vs norm, coldest and warmest seasons since 1966/67.

PPK (Pracownicze Plany Kapitałowe), the Polish auto-enrolment workplace pension programme, from the monthly PFR Portal PPK bulletin (PPK Register kept by PFR): net assets of target date funds, active accounts, participants, employers running PPK, participation rate, average management fee, number of financial institutions and finwire_ppk_avg_account (Średnie konto PPK finwire: net assets per active account), with monthly history.

State Treasury debt of Poland at the end of the latest month (Ministry of Finance): amount, change, debt per resident finwire_public_debt_per_capita, average growth per second over 12 months, domestic/foreign and retail bonds; national public debt and general government debt % of GDP (quarterly); state budget deficit cumulative from January with the plan from the budget act and the same period a year earlier.

All indices computed by finwire.pl, each under a stable id finwire_* (e.g. finwire_mortgage_barometer, finwire_credit_capacity_index, finwire_deposit_rate_index, finwire_savings_rate_index, finwire_rcn_price_index, finwire_price_gap_index, finwire_entry_threshold_index, finwire_credit_market_index, finwire_nowcast, finwire_legal_calendar): latest reading with its period, change vs the previous reading, method version and citation. Use get_finwire_index for one index with history.

One finwire index by its id finwire_* (old dataset ids such as credit-market-index, borrowing-power or credit-stress are accepted as aliases): latest and previous reading with periods, change, method version, sources, citation formula and history. Indices computed from WIBOR publish only the result.

Finwire Nowcast (finwire id: finwire_nowcast), the finwire.pl statistical model of the next official readings: CPI inflation y/y and core inflation y/y (point and 80% interval) and probabilities of a cut, no change or hike at the next RPP (Monetary Policy Council) meeting. Recomputed daily, frozen 3 working days before publication, then settled against the actual reading; with backtest accuracy vs naive benchmarks. A model estimate, not a consensus and not investment advice.

Two finwire.pl models with 80% intervals. finwire_cost_pressure (Presja kosztowa finwire): NBP core inflation y/y in 6 and 12 months from a unit labour cost proxy, producer prices and the EUR/PLN change. finwire_npl_forecast (Stres kredytowy wyprzedzający finwire): share of impaired (IFRS 9 Stage 3, KNF) housing and consumer loans in 2 and 4 quarters from the WIBOR 3M change, unemployment and the portfolio trend. A forecast is shown only when at least 70% of actual readings fell inside the 80% interval in the rolling backtest; otherwise published is false and only the accuracy statistics are given. A model estimate, not investment advice.

Household electricity and gas tariffs approved by URE and in force today: electricity energy price of the default seller and distribution rates per operator for G11, G12 and G12w with cheaper-zone hours and fees; gas fuel price, subscription and PSG distribution rates per tariff area for W-1.1 to W-4. Net amounts, VAT rate given; each with the URE decision and PDF.

Fees of brokers available to Polish investors from their official fee tables: online order commission on Warsaw (GPW), US and German stocks and ETFs, account and currency conversion fees, IKE/IKZE, investor protection and promotions valid today, with the fee table URL and the date it was last confirmed. Facts only, no ranking or recommendation.

Transaction prices of flats per square meter from notarial deeds (RCN): median, quartiles, year-over-year change and number of deeds in 17 cities, or per district of one city. source "gus" gives the GUS quarterly series instead. view "location-premium" gives finwire_location_premium: per district, how far the actual price deviates from the price expected from neighbourhood quality (transport, schools, shops, greenery, quiet, air), with model fit and accuracy; without city, the status of every city. The quarterly finwire indices finwire_rcn_price_index and finwire_price_gap_index: get_finwire_index.

Asking rents (median, per m², month-over-month change) in Polish cities and districts, with gross and net rental yield and payback period.

Carry nieruchomości finwire (finwire_housing_carry): per Polish city, the net rental yield of a typical 2-room flat (after one vacant month, flat-rate rental tax, admin fee in vacant months and property tax) minus the variable mortgage interest rate, in percentage points, monthly with history, plus net rent minus first-year interest in PLN per month for a loan covering the whole price. Negative carry = interest exceeds net rent; buying to let on credit then relies on price growth. For rents and plain yields use get_rents. Informational data, not investment advice.

finwire housing balance for Poland and 17 cities: finwire_housing_pressure (new residents per 1 dwelling completed in the same year, from GUS migration for permanent residence and foreigners insured in ZUS, yearly), finwire_housing_pipeline (forecast of dwellings completed in 4 quarters up to 2 years ahead from GUNB building permits, 80% interval and backtest accuracy per horizon) and finwire_rent_forecast (6-month change of asking rent per m2, published only after passing the accuracy threshold). Present forecasts as model estimates with the interval and accuracy, never as certainty.

Monthly running costs of a flat in 20 largest cities: co-op and owners association charges per m², heating, electricity, gas, water and waste rates, each with year and scope (city or province).

Polish housing loan market: topic "index" (finwire 0-100 credit market index, returns finwire_credit_market_index), "survey" (NBP bank lending survey: criteria and demand), "monetary" (NBP household loans and deposits, new housing loans), "demand" (BIK Demand Index for housing loans, average requested vs granted amount, granted loans y/y according to BIK, new housing loans from NBP).

finwire model on WIBOR fixings and bank offers: finwire_rate_risk_gauge (Ryzyko raty finwire) - chance that the payment of a PLN 400,000, 30-year variable-rate mortgage rises by more than 5% or 10% (or falls by more than 5%) in 3, 6 and 12 months, with the 10th/50th/90th percentile of the payment and backtest accuracy since 2008 (80% interval coverage); finwire_fixed_rate_premium (Premia za stałą stopę finwire) - the typical 5-year fixed rate minus the expected cost of the variable rate over 5 years, in pp, daily and monthly (ECB MIR), with windows of a negative premium. A model estimate, not a certainty and not advice.

Aggregates of offers currently on the market (median and percentiles, no single bank offers): mortgage APRC and margin, cash loan APRC, term deposit and savings account rates; or retail government bond rates (product "bonds"). finwire indices of the best offers (finwire_mortgage_barometer, finwire_deposit_rate_index, finwire_savings_rate_index, finwire_account_cost_index): get_finwire_index.

Statutory values for the current year: IKE and IKZE contribution limits, PIT thresholds and rates, tax-free amount, capital gains tax, rental flat-rate tax, minimum wage and other limits; topic "local-tax" gives the upper limits of local property tax rates. Company tax regimes (CIT, Estonian CIT, IP Box) and business rules: get_business_guide.

Statutory values for the next year computed by finwire.pl from the formulas in Polish law on the latest GUS and NBP data, before the official act (finwire_next_year_limits): pension indexation and minimum pension, minimum wage and hourly rate (statutory minimum rise), projected average wage, IKE and IKZE limits, the 30x ZUS cap, ZUS contribution bases, flat-rate tax and small CIT taxpayer limits. Each item: value, 80% interval, stage (projekcja = estimate, projekt, obwieszczenie = announced, obowiazuje = in force), calculation and backtest accuracy. Present estimates as estimates; for values in force this year use get_legal_limits.

Acts of the Journal of Laws and Monitor Polski on personal finance, tax, labour and housing: entering into force soon and recently, with plain-language summaries, plus bills in the Sejm. Also returns the next 30 days of the finwire legal calendar (series finwire_legal_calendar): PIT, ZUS and VAT deadlines, IKE/IKZE year end, value changes, RPP meetings and bond sales.

Look up a company, investment platform or website on the public warnings list of the Polish Financial Supervision Authority (KNF) by name, website domain, KRS, NIP or REGON. Returns matching entries verbatim from KNF (entity, identifiers, legal basis, prosecutor, final rulings, important information). An entry is a notification of a suspected offence, not a conviction; no match does NOT mean the firm is licensed or safe. Without query: list size, entries by legal basis, entries new this week and the weekly series finwire_knf_warnings_monitor.

Check whether a Polish bank or credit union (SKOK) is on the list of entities covered by the deposit guarantee of the Bankowy Fundusz Gwarancyjny (BFG), by name, trade name (e.g. "Inteligo") or website. Without query: counts of commercial banks, cooperative banks, credit unions and entities in bankruptcy (series finwire_bfg_guarantee_monitor) with history and latest changes, and the guarantee limit (EUR 100,000 per depositor per bank) with its PLN equivalent at the latest NBP rate. Branches of banks from other EU countries are covered by their home-country scheme, so no match for them is expected.

Individual tax rulings of the Polish tax information office (KIS) and municipal rulings on property tax, published in the EUREKA database of the Ministry of Finance, by topic: private rental (najem_prywatny), selling a flat and the housing relief (sprzedaz_nieruchomosci), IKE/IKZE (ike_ikze), crypto (kryptowaluty), shares, funds and dividends (inwestycje_pit38), sole proprietorship, lump-sum tax and IP Box (jdg_ryczalt), PIT reliefs (ulgi_pit), property tax (podatek_od_nieruchomosci). Returns counts per full week (series finwire_tax_rulings_pulse), provisions cited most often in the last 52 weeks and the newest rulings with signature, authority, dates, shortened thesis and a link to the full text. A ruling answers one taxpayer about their own case; it is not legal advice.

Statistics of rulings of Polish common courts in consumer credit disputes, published in the Court Rulings Portal of the Ministry of Justice and classified by finwire.pl: CHF mortgages (chf), loans in EUR and other currencies (waluta_inna), free credit sanction under art. 45 of the Consumer Credit Act (skd), cost refunds after early repayment, Lexitor (wczesniejsza_splata), WIBOR clauses (wibor), unit-linked policies (polisolokata). Returns rulings per publication month, share ruled for the borrower at least in part in 12 full publication months (finwire_borrower_win_share, total and per category), first vs second instance, median time from claim to judgment and the newest rulings with case number, court, outcome and a link to the full text. Statistics of published rulings, not legal advice; each ruling concerns one contract.

Regional data: "income" (residents income per capita by municipality, or county with level "powiat"), "pit" (PIT due per resident from tax returns by municipality and province, by type of return, PIT-38 capital gains returns per 1000 residents, finwire_pit_per_capita; with name = one municipality year by year), "local-tax" (finwire_local_tax_squeeze: property tax as % of property tax + PIT share in municipal budget plans, provinces, cities, municipalities in the squeeze, upper limit of the property tax rate for flats; with name = matching municipalities), "unemployment" (registered unemployment by province), "wages" (average wage by province). Filter by name.

Poland compared with EU countries: "house-prices" (Eurostat house price index), "mortgage-rates" (ECB rates on new housing loans), "bond-yields" (10-year yields and spreads vs Germany and euro area), "overburden" and "overcrowding" (housing conditions), "energy-prices" (household electricity or gas prices per kWh in EUR and purchasing power standards, half-yearly, with finwire_eu_power_price_gap and kWh per minimum wage), "minimum-wages" (statutory minimum wages in EUR and PPS, half-yearly).

Monthly take-home pay in Poland from: employment contract (uop: umowa o pracę, standard costs, PIT-2 filed, no reliefs), mandate contract (zlecenie: ZUS, health, 20% costs, PIT-2), contract for specific work (dzielo: no ZUS, 20% costs) or B2B self-employment of a sole proprietor (b2b: tax scale, flat 19% tax or lump-sum ryczałt on revenue, chosen ZUS scheme). Returns social security (ZUS), health contribution, income tax, net, yearly totals, effective rate and, for uop and zlecenie, the cost to the payer. Rates of the Polish tax year, switching on 1 January. For one person choosing between business forms use compare_business_forms.

Total monthly cost to the employer of an employment contract (umowa o pracę) or a mandate contract (umowa zlecenie) in Poland for a given gross pay: employer pension and disability contributions, accident insurance (basic rate for payers up to 9 insured), Labour Fund (FP), Guaranteed Employee Benefits Fund (FGŚP), optional PPK, plus what the employee takes home. Rates of the Polish tax year.

Compare yearly taxes and net income to the owner for running a business in Poland as a sole proprietorship (JDG: tax scale, flat 19% tax, lump-sum ryczałt) or a limited liability company (sp. z o.o.) with one shareholder (shareholder pays ZUS and the health contribution) or with two or more shareholders. Company profit taxed with CIT (9% small taxpayer when revenue fits the EUR limit at the NBP rate set by law, otherwise 19%) and the dividend tax: Polish statutory rate by default, or pass dividend_tax_rate from a tax treaty for a shareholder resident abroad. Assumes all profit is paid out as dividend. Not covered here: who may open which form (residence status), management board pay, Estonian CIT.

Monthly social security contributions (ZUS: pension, disability, sickness, accident, Labour Fund) of a sole proprietor (JDG) in Poland under each scheme: start relief (ulga na start), preferential ZUS and full ZUS, with the contribution base. The health contribution depends on the tax form and income; use calc_net_income with form b2b for it.

One call for someone from abroad starting a business in Poland: every legal form with available yes/no and the reason for their residence status, yearly taxes and net income to the owner for each available form (dividend tax at the tax-treaty rate of the owner country), setup steps, residence and identity requirements, and the deadline calendar for the best option. Facts carry the act, article, link and verification date.

All Polish business forms (sole proprietorship JDG, unregistered activity, sp. z o.o., P.S.A., S.A., general, limited and professional partnerships, branch, representative office) with available yes/no for the owner status, the reason, conditions (e.g. PESEL for CEIDG) and facts on capital, liability, registration and tax, each with the legal basis.

Polish withholding tax on dividends, interest and royalties paid to a resident of a country: the statutory rate, the rate in the double tax treaty with Poland (portfolio and qualified holding), whether MLI modifies the treaty, and the EU/EEA/Swiss parent-subsidiary exemption with its holding conditions. Covers the largest investor countries by NBP data; without country returns the list and the ranking.

Calendar of tax, ZUS, VAT, payroll and reporting deadlines for a calendar year: monthly PIT/CIT advances or ryczałt, own ZUS, JPK_V7M, PIT and ZUS of employees, PPK, annual returns, annual health contribution, CIT-8, financial statements and JPK files. Dates are computed from statutory rules with the shift to the next working day; event-based duties (CRBR, ZUS registration, invoices) are listed as facts.

Verified facts about doing business in Poland, each with the act, article, link to the official text and the verification date. Topics: intl-tax (selling into Poland from abroad, VAT registration, reverse charge, OSS, permanent establishment, transfer pricing, Estonian CIT, IP Box), residence (permits, MOS), identity (PESEL, NIP, trusted profile, e-signature), documents (sworn translation, apostille), forms, setup (steps and deadlines), activity (PKD 2025, regulated activities), wht, treaty, tax-residence, health (NFZ, A1), property (buying property as a foreigner), contracts, labour (Labour Code rules), hiring-foreigners (work permits, declarations), deadlines, accounting (books, invoices, KSeF, whitelist), incentives (Polish Investment Zone, regional aid map, R&D relief), exit (suspension, conversion, liquidation). Pass a topic, a query, or both.

Polish-English glossary of business, tax, ZUS and registration terms (JDG, sp. z o.o., CEIDG, KRS, ryczałt, KPiR, KSeF, JPK, CRBR, UPO, PSI and others) with one-line explanations.