SaldoTax & ZUS, in the month you pay them
October’s tax and ZUS are due by 20 November, so they belong to November’s plan. This month’s amount still shows, so you can set it aside, and real figures from your accountant replace the estimates.
BETA For people who work in Poland
All your money,in one app.
Your JDG, your job, your bank accounts, investments and taxes, together at last. Saldo shows what is really yours each month, in plain English.
Read-only, never moves money
Stays on your device
Plain English
Tax & ZUS due 20 Nov10 282 zł
Left over in October29 225 zł
Days billed, payslips, invoices, bills and balances go in. One clear answer comes out: what is really yours this month.
Made for how you earn
A JDG, a job, or both.
Tell Saldo how you earn and it asks only what matters for you. Switch any time.
Your own business (JDG)
Log the days you bill. Saldo turns them into income tax, ZUS and health estimates, and checks your KSeF invoices against them.
- Lump-sum income tax at your rate, with the health tier
- ZUS from start-up relief to full, worked out from your start date
- Each month’s tax counted in the month it is due
A job
Add your gross salary and Saldo works out every payslip, and whether the yearly tax return will ask for more or give some back.
- ZUS cap, work costs and the tax-free amount
- Bonuses and author’s costs
- RSU vests and share sales
A JDG and a job
In months your job pays at least the minimum wage, your JDG pays no social ZUS. Saldo knows, and keeps both incomes in one plan.
- One plan for both incomes
- Social ZUS switched off when it should be
- Both tax returns estimated
Everything in one place
Every number has one home.
Where the month stands
Paid of planned, for business expenses, personal expenses and savings.
Your year, at a glance
Billed by client, month by month. Tap a month to see what is behind it.
Where the money goes
Every category, every month, with the biggest one called out.
Goals with dates
See when you get there at the pace you save.
Invoices, on time
What is still to arrive this month, and what is late.
Excel & Sheets
The whole year in one tap, month by month, the way your spreadsheet used to look.
Plain English
Polish finance, explained.
Saldo speaks English first, and keeps the Polish words you will meet in letters from ZUS and your accountant, with a tap to explain each one.
JDG
jednoosobowa działalność gospodarczaA sole proprietorship: you invoice clients yourself and pay your own tax and ZUS.
Ryczałt
podatek ryczałtowyA lump-sum income tax: a fixed % of what you bill, with no deduction for costs.
ZUS
Zakład Ubezpieczeń SpołecznychPolish social security. Start-up relief first, then reduced, then full contributions.
KSeF
Krajowy System e-FakturThe national e-invoice system that every JDG issues its invoices through.
Private by design
Your money is your business.
No account, no sign-up, no ads, no analytics. Saldo keeps everything on your device and only ever reads.
On your device
Your figures live on your phone, or in your browser for the web app, with backups you control.
Read-only, always
Bank, broker and KSeF links can only read. Saldo never moves money or issues invoices.
Estimates, not advice
Tax and ZUS figures are estimates for planning. Your accountant has the final word.
Getting started
Three minutes to start.
1
Tell Saldo how you earnA JDG, a job or both. Saldo asks only what matters for you.
2
Add what you knowClients and rates, your salary, your bills and savings. Skip what can wait.
3
See what is yoursEvery month: what is paid, what is coming, and what is left over.
Questions
Good to know.
Saldo is a budgeting and tracking tool. These are the questions people ask first.
Is Saldo free?
Saldo is in beta and free to use while it is.
Does Saldo move my money or file my taxes?
No. Saldo only reads. Bank, broker and KSeF links are read-only, and it never moves money, issues invoices or files anything.
Is this tax advice?
No. Saldo shows estimates for planning. Your accountant and the tax office have the final word, and you can enter their real figures to replace the estimates.
Where is my data?
On your device. The phone app keeps it on your phone, with daily backups you control. The web app keeps it in your browser on that device. There is no account and no server copy.
Which banks work?
Read-only bank links use PSD2 and are in a private beta in the Android app. Everything else works by entering your balances, which takes a minute a month.
Is there an iPhone app?
Not yet. Use the web app in Safari today. The Android app is in beta, and App Store and Google Play releases are planned.
I only have a job, no JDG. Is it for me?
Yes. Saldo works out your payslips, bonuses and RSUs, plans your month and estimates your yearly tax return.
Know what is yours. Every month.
Open the web app today. The Android app is in beta, with App Store and Google Play releases planned.