{"id":2995,"date":"2026-11-04T08:52:33","date_gmt":"2026-11-04T08:52:33","guid":{"rendered":"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-majatku-netto\/"},"modified":"2026-11-04T08:52:33","modified_gmt":"2026-11-04T08:52:33","slug":"kalkulator-majatku-netto","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-majatku-netto\/","title":{"rendered":"Kalkulator maj\u0105tku netto"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Zsumuj swoje aktywa i d\u0142ugi<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"2995\" data-favorite-title=\"Maj\u0105tek netto\" data-favorite-url=\"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-majatku-netto\/\" data-favorite-excerpt=\"Zsumuj wszystko, co posiadasz, i wszystko, co jeste\u015b winien, aby w kilka sekund pozna\u0107 sw\u00f3j maj\u0105tek netto. Wpisz aktywa, d\u0142ugi, doch\u00f3d i wiek \u2014 zobaczysz sumy, wska\u017anik zad\u0142u\u017cenia, p\u0142ynny maj\u0105tek netto oraz por\u00f3wnanie z popularnym punktem odniesienia.\" aria-label=\"Dodaj do ulubionych\" data-favorite-icon=\"icon icon-budget\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-majatku-netto\/\" method=\"POST\" class=\"calculator\" id=\"calculator-2995\" data-post=\"2995\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Pola danych<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Aktywa<\/span><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Got\u00f3wka i konto osobiste<\/label><input type=\"text\" name=\"gotwka_i_konto_osobiste\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Konta oszcz\u0119dno\u015bciowe<\/label><input type=\"text\" name=\"konta_oszczdnociowe\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Emerytura (IKE, IKZE)<\/label><input type=\"text\" name=\"emerytura_ike_ikze\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"65000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Konto maklerskie \/ inwestycje<\/label><input type=\"text\" name=\"konto_maklerskie_inwestycje\" id=\"field-5\" aria-describedby=\"calc-unit-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-5\">$<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Nieruchomo\u015bci<\/label><input type=\"text\" name=\"nieruchomoci\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"220000\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Warto\u015b\u0107 rynkowa Twojego domu i wszystkich innych nieruchomo\u015bci, kt\u00f3re posiadasz.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Pojazdy<\/label><input type=\"text\" name=\"pojazdy\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Inne aktywa<\/label><input type=\"text\" name=\"inne_aktywa\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3000\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">np. udzia\u0142y w firmie, przedmioty warto\u015bciowe, pieni\u0105dze, kt\u00f3re Ci si\u0119 nale\u017c\u0105.<\/small><\/div><div class=\"field is-single\" id=\"input-9\"><label for=\"field-9\">Dodatkowe wiersze aktyw\u00f3w<\/label><div class=\"grid grid-cols-1\"><select id=\"field-9\" name=\"dodatkowe_wiersze_aktyww\"><option value=\"No extra rows\">Bez dodatkowych wierszy<\/option><option value=\"1 extra row\">1 dodatkowy wiersz<\/option><option value=\"2 extra rows\">2 dodatkowe wiersze<\/option><option value=\"3 extra rows\">3 dodatkowe wiersze<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-10\" hidden><label for=\"field-10\">Nazwa aktywa<\/label><input type=\"text\" name=\"nazwa_aktywa\" id=\"field-10\" placeholder=\"np. udzia\u0142y w firmie\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-11\" hidden><label for=\"field-11\">Warto\u015b\u0107<\/label><input type=\"text\" name=\"warto\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\" hidden><label for=\"field-12\">Nazwa aktywa<\/label><input type=\"text\" name=\"nazwa_aktywa\" id=\"field-12\" placeholder=\"np. kryptowaluty\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-13\" hidden><label for=\"field-13\">Warto\u015b\u0107<\/label><input type=\"text\" name=\"warto\" id=\"field-13\" aria-describedby=\"calc-unit-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-13\">$<\/div><\/div><div class=\"field\" id=\"input-14\" hidden><label for=\"field-14\">Nazwa aktywa<\/label><input type=\"text\" name=\"nazwa_aktywa\" id=\"field-14\" placeholder=\"np. sztuka i kolekcje\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-15\" hidden><label for=\"field-15\">Warto\u015b\u0107<\/label><input type=\"text\" name=\"warto\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"is-single field\" id=\"input-16\"><span class=\"font-semibold\">Zobowi\u0105zania<\/span><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-17\">Kredyt hipoteczny<\/label><input type=\"text\" name=\"kredyt_hipoteczny\" id=\"field-17\" aria-describedby=\"calc-unit-17 calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"165000\"\/><div class=\"unit\" id=\"calc-unit-17\">$<\/div><small id=\"calc-info-17\">Pozosta\u0142a do sp\u0142aty kwota kapita\u0142u.<\/small><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Po\u017cyczka hipoteczna<\/label><input type=\"text\" name=\"poyczka_hipoteczna\" id=\"field-18\" aria-describedby=\"calc-unit-18\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-18\">$<\/div><\/div><div class=\"field\" id=\"input-19\"><label for=\"field-19\">Kredyty samochodowe<\/label><input type=\"text\" name=\"kredyty_samochodowe\" id=\"field-19\" aria-describedby=\"calc-unit-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"8000\"\/><div class=\"unit\" id=\"calc-unit-19\">$<\/div><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-20\">Kredyty studenckie<\/label><input type=\"text\" name=\"kredyty_studenckie\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-21\">Karty kredytowe<\/label><input type=\"text\" name=\"karty_kredytowe\" id=\"field-21\" aria-describedby=\"calc-unit-21 calc-info-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2500\"\/><div class=\"unit\" id=\"calc-unit-21\">$<\/div><small id=\"calc-info-21\">Ca\u0142kowite zad\u0142u\u017cenie, a nie miesi\u0119czna rata.<\/small><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-22\">Po\u017cyczki got\u00f3wkowe<\/label><input type=\"text\" name=\"poyczki_gotwkowe\" id=\"field-22\" aria-describedby=\"calc-unit-22\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-22\">$<\/div><\/div><div class=\"field\" id=\"input-23\"><label for=\"field-23\">Inne zobowi\u0105zania<\/label><input type=\"text\" name=\"inne_zobowizania\" id=\"field-23\" aria-describedby=\"calc-unit-23 calc-info-23\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-23\">$<\/div><small id=\"calc-info-23\">np. zaleg\u0142y podatek, zakupy odroczon\u0105 p\u0142atno\u015bci\u0105, po\u017cyczki od rodziny.<\/small><\/div><div class=\"field is-single\" id=\"input-24\"><label for=\"field-24\">Dodatkowe wiersze zobowi\u0105za\u0144<\/label><div class=\"grid grid-cols-1\"><select id=\"field-24\" name=\"dodatkowe_wiersze_zobowiza\"><option value=\"No extra rows\">Bez dodatkowych wierszy<\/option><option value=\"1 extra row\">1 dodatkowy wiersz<\/option><option value=\"2 extra rows\">2 dodatkowe wiersze<\/option><option value=\"3 extra rows\">3 dodatkowe wiersze<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-25\" hidden><label for=\"field-25\">Nazwa zobowi\u0105zania<\/label><input type=\"text\" name=\"nazwa_zobowizania\" id=\"field-25\" placeholder=\"np. rachunek za leczenie\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-26\" aria-describedby=\"calc-unit-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-26\">$<\/div><\/div><div class=\"field\" id=\"input-27\" hidden><label for=\"field-27\">Nazwa zobowi\u0105zania<\/label><input type=\"text\" name=\"nazwa_zobowizania\" id=\"field-27\" placeholder=\"np. zaleg\u0142y podatek\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-28\" aria-describedby=\"calc-unit-28\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-28\">$<\/div><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Nazwa zobowi\u0105zania<\/label><input type=\"text\" name=\"nazwa_zobowizania\" id=\"field-29\" placeholder=\"np. po\u017cyczka z konta emerytalnego\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-30\" aria-describedby=\"calc-unit-30\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-30\">$<\/div><\/div><div class=\"is-single field\" id=\"input-31\"><span class=\"font-semibold\">Opcjonalne por\u00f3wnanie<\/span><\/div><div class=\"field is-single\" id=\"input-32\"><label for=\"field-32\">Wiek<\/label><input type=\"text\" name=\"wiek\" id=\"field-32\" aria-describedby=\"calc-info-32\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"120\" value=\"35\"\/><small id=\"calc-info-32\">Zostaw oba pola puste, aby pomin\u0105\u0107 por\u00f3wnanie.<\/small><\/div><div class=\"field is-single\" id=\"input-33\"><label for=\"field-33\">Roczny doch\u00f3d brutto<\/label><input type=\"text\" name=\"roczny_dochd_brutto\" id=\"field-33\" aria-describedby=\"calc-unit-33\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"70000\"\/><div class=\"unit\" id=\"calc-unit-33\">$<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Przelicz ponownie\" id=\"calculate-button\" data-post=\"2995\">Oblicz<\/button><button type=\"reset\">Wyczy\u015b\u0107<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Obliczaj automatycznie<\/label><small>Po w\u0142\u0105czeniu wynik aktualizuje si\u0119 automatycznie po zmianie dowolnej warto\u015bci.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Podsumowanie Twojej warto\u015bci netto<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Suma aktyw\u00f3w<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Suma zobowi\u0105za\u0144<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Warto\u015b\u0107 netto<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Wska\u017anik d\u0142ugu do aktyw\u00f3w<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>P\u0142ynna warto\u015b\u0107 netto<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-6\"><span class=\"field-title\"><span>Rozk\u0142ad aktyw\u00f3w<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-7\"><span class=\"field-title\"><span>Rozk\u0142ad zobowi\u0105za\u0144<\/span><\/span><span class=\"field-value\" id=\"result-7\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-8\"><span class=\"field-title\"><span>Zasada: wiek \u00d7 doch\u00f3d<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Kopiuj link do tego obliczenia<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Zostaw komentarz<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"2995\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Jak oceniasz ten wynik?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Lubi\u0119 to <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Pomocne <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Niejasne <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Rozczarowanie <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Niedok\u0142adne <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Wz\u00f3r na maj\u0105tek netto<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Wz\u00f3r<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\text{Maj\u0105tek netto} = \\text{Aktywa og\u00f3\u0142em} - \\text{Zobowi\u0105zania og\u00f3\u0142em} \\]\n\\[ \\text{Wska\u017anik zad\u0142u\u017cenia} = \\frac{\\text{Zobowi\u0105zania og\u00f3\u0142em}}{\\text{Aktywa og\u00f3\u0142em}} \\times 100\\% \\]\n\\[ \\text{P\u0142ynny maj\u0105tek netto} = \\text{Got\u00f3wka} + \\text{Oszcz\u0119dno\u015bci} + \\text{Konto maklerskie} - \\text{Karty kredytowe} - \\text{Po\u017cyczki osobiste} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Gdzie:<\/strong><\/p>\n<ul>\n<li><em>Aktywa og\u00f3\u0142em<\/em> \u2014 bie\u017c\u0105ca warto\u015b\u0107 rynkowa wszystkiego, co posiadasz: got\u00f3wka, oszcz\u0119dno\u015bci, konta emerytalne i maklerskie, nieruchomo\u015bci, pojazdy oraz inne przedmioty o warto\u015bci<\/li>\n<li><em>Zobowi\u0105zania og\u00f3\u0142em<\/em> \u2014 pozosta\u0142e do sp\u0142aty saldo ka\u017cdego Twojego d\u0142ugu: pozosta\u0142a kwota kredytu hipotecznego (nie warto\u015b\u0107 domu), kredyty samochodowe i studenckie, salda kart kredytowych i tak dalej<\/li>\n<\/ul>\n<p>Maj\u0105tek netto to po prostu r\u00f3\u017cnica mi\u0119dzy tym, co posiadasz, a tym, co jeste\u015b winien. Wska\u017anik zad\u0142u\u017cenia pokazuje, jak mocno korzystasz z d\u017awigni finansowej, a p\u0142ynny maj\u0105tek netto wyodr\u0119bnia pieni\u0105dze, do kt\u00f3rych w nag\u0142ej potrzebie rzeczywi\u015bcie szybko dotrzesz.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Maj\u0105tek netto \u2013 przyk\u0142ad obliczenia<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Przyk\u0142ad:<\/strong> 35-latka z rocznych dochodem w wysoko\u015bci 70 000 $ brutto ma 4 000 $ w got\u00f3wce, 12 000 $ oszcz\u0119dno\u015bci, 65 000 $ na kontach emerytalnych, 15 000 $ w inwestycjach maklerskich, dom wart 220 000 $, pojazdy za 12 000 $ i 3 000 $ w innych aktywach. Na jej zobowi\u0105zania sk\u0142ada si\u0119 165 000 $ kredytu hipotecznego, 8 000 $ kredyt\u00f3w samochodowych, 15 000 $ kredyt\u00f3w studenckich, 2 500 $ na kartach kredytowych i 4 000 $ po\u017cyczek osobistych.<\/p>\n<p>\\[ \\text{Aktywa} = 4{,}000 + 12{,}000 + 65{,}000 + 15{,}000 + 220{,}000 + 12{,}000 + 3{,}000 = \\$331{,}000 \\]<\/p>\n<p>\\[ \\text{Zobowi\u0105zania} = 165{,}000 + 8{,}000 + 15{,}000 + 2{,}500 + 4{,}000 = \\$194{,}500 \\]<\/p>\n<p>\\[ \\text{Maj\u0105tek netto} = 331{,}000 - 194{,}500 = \\$136{,}500 \\]<\/p>\n<p>\\[ \\text{Wska\u017anik zad\u0142u\u017cenia} = \\frac{194{,}500}{331{,}000} \\times 100\\% \\approx 58.76\\% \\]<\/p>\n<p>\\[ \\text{P\u0142ynny maj\u0105tek netto} = 4{,}000 + 12{,}000 + 15{,}000 - 2{,}500 - 4{,}000 = \\$24{,}500 \\]<\/p>\n<p><strong>Wynik:<\/strong> maj\u0105tek netto wynosi 136 500 $, z czego 24 500 $ stanowi\u0105 aktywa p\u0142ynne. Punkt odniesienia wed\u0142ug regu\u0142y \u201ewiek \u00d7 doch\u00f3d\u201d (35 \u00d7 70 000 $ \u00f7 10) to 245 000 $, wi\u0119c osi\u0105ga ona oko\u0142o 56% tego celu.<\/p>\n<p>\n\r\n<\/section>\n<h2>Jak korzysta\u0107 z kalkulatora<\/h2>\n<ol>\n<li>Wpisz w sekcji <strong>Aktywa<\/strong> bie\u017c\u0105c\u0105 warto\u015b\u0107 ka\u017cdego z nich \u2014 <strong>Got\u00f3wka i konto osobiste<\/strong>, <strong>Konta oszcz\u0119dno\u015bciowe<\/strong>, <strong>Emerytalne (401k, IRA)<\/strong>, <strong>Maklerskie \/ inwestycje<\/strong>, <strong>Nieruchomo\u015bci<\/strong>, <strong>Pojazdy<\/strong> i <strong>Inne aktywa<\/strong>. Tam, gdzie nic nie posiadasz, wpisz 0.<\/li>\n<li>Je\u015bli potrzebujesz wi\u0119cej p\u00f3l na aktywa, wybierz ich liczb\u0119 w opcji <strong>Dodatkowe wiersze aktyw\u00f3w<\/strong>, a nast\u0119pnie wpisz nazw\u0119 (np.<br \/>\n","protected":false},"excerpt":{"rendered":"<p>Zsumuj wszystko, co posiadasz, i wszystko, co jeste\u015b winien, aby w kilka sekund pozna\u0107 sw\u00f3j maj\u0105tek netto. Wpisz aktywa, d\u0142ugi, doch\u00f3d i wiek \u2014 zobaczysz sumy, wska\u017anik zad\u0142u\u017cenia, p\u0142ynny maj\u0105tek netto oraz por\u00f3wnanie z popularnym punktem odniesienia.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[25],"class_list":["post-2995","post","type-post","status-publish","format-standard","hentry","category-finanse","tag-budzet"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts\/2995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/comments?post=2995"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts\/2995\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/media?parent=2995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/categories?post=2995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/tags?post=2995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}