How much does an accountant cost for a JDG in Poland in 2026?

An accountant for a JDG (jednoosobowa działalność gospodarcza, a Polish sole proprietorship) typically costs PLN 150–500 net per month in 2026. That is the sticker price of the subscription. Over a year, the real cost tends to run 30–50% higher, because many firms bill separately for corrections, annual tax returns and extra documents (Freenance, in Polish).

If you run a Polish business, or a Polish branch of a foreign company, two questions matter before you sign anything: what drives the price, and what exactly you get for it. The gap between providers can be several times over, and the list of included tasks is less obvious than it looks.

Below you will find concrete price ranges, a list of what an accountant should do for the fee, and an honest comparison with Biurko. It is our product, so we have a stake here, and we say so up front.

How much an accountant costs for a JDG: 2026 price ranges

The price depends mostly on the tax form, the number of documents per month, and whether you are an active VAT payer. Based on published price lists of Polish accounting firms (CenaUsług, in Polish):

• JDG on ryczałt (flat-rate tax on revenue), up to 15 documents: PLN 150–350 net per month

• JDG on KPiR (simplified books), no VAT, up to 20 documents: PLN 200–400

• JDG on KPiR with VAT, up to 20 documents: PLN 250–500

• JDG with employees: usually PLN 300–500

Three factors raise the price faster than the tax form itself:

• Document volume. Firms often bill in tiers: up to 20 documents for PLN 250–300, up to 40 for PLN 350–500 (Oferteo, in Polish).

• VAT and foreign transactions. Higher packages (VAT, employees, foreign clients) tend to cost two to three times the basic one.

• Billing model. A flat fee is predictable. Per-document billing suits seasonal work better.

One published example: a book-of-revenue-and-expenses package with an entry limit, where every extra entry costs PLN 4 net (Solidna Księgowa). With 40 cost invoices a month, that adds up.

What an accountant should do for the fee

A standard subscription covers keeping the KPiR or revenue register, settling ZUS (social security) contributions, and preparing tax returns (Fakturownia, in Polish). Broken down:

1. Bookkeeping. KPiR or revenue register, depending on your tax form.

2. VAT. VAT registers and the monthly or quarterly JPK_V7 file (the VAT return and ledger in one XML), sent to the tax office if you are VAT-registered.

3. Income tax advances. Calculated, with the amount due.

4. ZUS. Contribution settlement and the DRA declaration.

5. Annual return. PIT-28, PIT-36 or PIT-36L. Many firms charge for this separately.

6. Contact. Answers within a reasonable time, ideally from a named person assigned to your company.

Before signing, ask directly what is usually not in the fee. Price lists show you will most often pay extra for back-dated corrections (one comparison puts it at PLN 200–500 per correction), personnel files and PIT-11 forms, and representation before the tax office.

A good control question: "What will I pay on top of the subscription in a normal year?" A good firm answers on the spot.

Example: JDG on ryczałt, 12 sales invoices and 10 cost documents a month

Take a developer working B2B on 12% ryczałt, with Polish clients and active VAT.

• Traditional accounting firm: PLN 250 net × 12 = PLN 3,000 a year, plus the annual return and any corrections. Realistically PLN 3,500–4,500.

• Online accounting with a human accountant: PLN 99–200 a month, so PLN 1,200–2,400 a year.

• Self-service in an app: PLN 0–200 a month, but you own the deadlines and the accuracy.

The spread between the extremes is over PLN 3,000 a year for the same business. The real question is what you are paying for: the accountant's time, their liability, or only calculations that can be automated.

Biurko versus an accountant: an honest comparison

Biurko is software, not an accounting firm. We have no accountants on staff, so we do not compare ourselves on every point. We compare where our software does the same job as a firm, only cheaper.

Prices from the Biurko pricing page (net, 23% VAT added):

• Free (PLN 0): unlimited invoices and KSeF submission, registers, deadline calendar, 20 AI credits a month

• Solo (PLN 29 net a month): the ryczałt tax calculated for the period and a ready JPK file to download; you send it to the tax office yourself

• Pro (PLN 59 net a month): the declaration is sent from the app to the gateway, the UPO (official proof of receipt) comes back as evidence, and a schedule repeats it for you

The annual plan is 20% cheaper. Pro on the annual plan comes to about PLN 566 for the whole year, less than two months of a typical firm on ryczałt (PLN 150–350).

Where Biurko wins

• Price. PLN 708 a year for Pro, billed monthly, against PLN 1,800–4,200 for a firm's subscription on ryczałt.

• Transparency. The price list is public and states what is not included. There are no surcharges for corrections or extra documents.

• Visibility on any day. The month's tax, declaration status and UPO are visible to you without calling anyone.

• KSeF built in. KSeF is Poland's national e-invoicing system. An invoice goes to KSeF the moment you issue it, the KSeF number returns onto the document, and the UPO stays attached. KSeF submission is unlimited even on the free plan.

• ZUS contributions and DRA on ryczałt are calculated and prepared, with the advance reduced by contributions paid.

Where an accounting firm is better today

We will say it plainly, because you deserve an accurate picture:

• Tax scale and flat 19% tax. Biurko currently handles invoices, KSeF and the whole VAT process, but the books themselves (KPiR) are still on the roadmap. If you are on KPiR, you need a firm or another bookkeeping tool.

• Annual returns (PIT-28, PIT-36, PIT-36L) and the annual health contribution settlement are the next stage and not available yet.

• The DRA to ZUS you send yourself. We prepare it, but the right to submit requires a separate software certification by ZUS.

• A human who is accountable. A firm takes on part of the responsibility and can explain an unusual situation. We do not give tax advice.

In short: if you are a JDG on ryczałt with a simple case and a dozen or so documents a month, paying a firm PLN 250 just to calculate the advance, ZUS and VAT usually costs more than it needs to. In that scenario Biurko does the same for a fraction of the price. If you have complex VAT, employees, KPiR, or want someone to deal with the tax office for you, a firm still makes sense.

You can also combine the two. An accountant gets their own free seat in Biurko, outside the plan limit, and pulls the data themselves instead of collecting PDFs from email.

Why this matters now: KSeF

The KSeF obligation already covers most businesses, and the smallest taxpayers join from 1 January 2027. Details and the schedule are on the Ministry of Finance website (in Polish). It affects the cost of accounting: firms increasingly add fees for handling e-invoices, so ask whether the subscription includes sending and receiving invoices through KSeF.

Checklist before choosing an accountant or a tool

1. Count the documents (sales plus costs) in a typical month.

2. Ask for the full price list: corrections, annual return, extra documents, representation.

3. Check whether the fee includes KSeF: sending and receiving invoices.

4. Agree who files the declarations and JPK, and who owns the deadlines.

5. Ask whether you get insight into your figures during the month, not after the fact.

6. Calculate the yearly cost including extras, not just the monthly fee.

7. If you are on ryczałt with a simple case, try an app's free plan or trial before paying a firm.

Conclusion

An accountant for a JDG in Poland costs PLN 150–500 net per month in 2026, and the real yearly cost is higher than the subscription alone. For that fee you should get bookkeeping, VAT, advances, ZUS and a human contact, but the annual return and corrections are often billed separately.

If you are on ryczałt and your case is simple, Biurko does the same for less, with a live view of your month. If you use KPiR, stay with a firm for now, or combine them through the free seat for your accountant.

Try Biurko for 14 days with all features, no card, at biurko.io. After the trial, your account moves to the free plan, not to a paid one.

FAQ

How much does an accountant cost for a sole proprietorship in Poland?

Usually PLN 150–500 net per month. Ryczałt is cheapest (from PLN 150), KPiR with VAT the most expensive (up to PLN 500). The price grows with the number of documents. Ask about extras, since the real annual cost is often 30–50% higher.

What should a JDG accountant's fee include?

Keeping the KPiR or ryczałt register, VAT registers and JPK_V7, income tax advances, ZUS contribution settlement, and contact with the firm. The annual return, corrections and representation before the tax office are often billed separately.

Can I do my own accounting in Poland without an accounting firm?

Yes, for a sole proprietorship this is legal. You keep the register, send the JPK, and pay tax and ZUS on time. You are responsible for accuracy and deadlines, so with VAT, KPiR or employees it is worth having an accountant's support.

Does Biurko replace an accountant?

For a JDG on ryczałt with a simple case, largely yes: it calculates tax and ZUS, generates the JPK and submits the declaration with a UPO. It does not replace a human for KPiR, the annual return or tax advice. Your accountant can work inside Biurko for free.

Is VAT added to Biurko prices?

Yes. Prices are net, and 23% VAT is added at payment. Solo is PLN 29 net (PLN 35.67 gross), Pro is PLN 59 net (PLN 72.57 gross). The annual plan is 20% cheaper.

Prices of accounting firms come from public price lists and comparisons from 2026 and are indicative; a given firm's offer may differ. This article is informational and is not tax or legal advice.