The indexation rate of 3.48% and the minimum pension of 2,047.34 zł gross from March 2027 come from earlier government assumptions. The budget draft already envisages 3.96%, and the final figure will only be known in February.
The gross amount of 2,047.34 zł results from raising the current minimum pension, 1,978.49 zł gross, by 3.48%. That is an increase of 68.85 zł per month, or 826.20 zł gross per year. This variant appeared in the government’s June and summer assumptions and is treated as the lower threshold. As Interia reports, the final rate has not yet been confirmed.
Where does 3.48% come from, and where does 3.96% come from?
The indexation rate is the average annual inflation from the previous year, increased by at least 20% of real growth in average wages. The government decided that in 2027 this share will stay at the statutory minimum, as set out in the draft Council of Ministers regulation (RD317). Previously, the rate was therefore assumed to be “at least” 3.48%.
In mid-October we wrote that indexation in 2027 will be higher than assumed. According to current Ministry of Finance forecasts, on which the draft budget act is based, the forecast indexation rate is 103.96%. This was reported by the Ministry of Family, Labour and Social Policy, as cited by “Rzeczpospolita”. The government adopted the budget draft at the end of September, and the Sejm is now considering it. About 19 billion zł is planned for indexation.
Comparison of gross amounts
- Lowest pension: 1,978.49 zł now; 2,047.34 zł at 3.48%; 2,056.84 zł at 3.96% (difference of 9.50 zł per month).
- 2,000 zł pension: 2,069.60 zł at 3.48%; approx. 2,079.20 zł at 3.96%.
- 3,000 zł pension: 3,104.40 zł at 3.48%; approx. 3,118.80 zł at 3.96%.
With the higher variant, the increase in the lowest benefit is 78.35 zł gross per month. Amounts “in hand” will be lower after the health contribution and the PIT advance. According to Interia, the lowest pension currently gives 1,800.43 zł net.
When we will know the final rate
The exact value of the indexation rate will be set in February 2027, after the Central Statistical Office (GUS) publishes data on inflation and real wage growth for 2026. Indexation will cover benefits from 1 March 2027. The debate also included a proposal to raise the share of real wage growth from 20% to 30%. The family ministry rejected changing the indexation method, and the government regulation for now keeps 20%.
What it means for seniors
From March 2027, the lowest pension, as well as the disability pension due to total inability to work, will exceed 2,000 zł gross in both variants. The 13th pension will change along with the minimum pension, because it is equal to it: it would be 2,047.34 zł at 3.48% and 2,056.84 zł at 3.96%. The upper limit of the 14th pension will be the same, reduced “zloty for zloty” when the benefit exceeds 2,900 zł. From 1 January 2027, the widow’s pension (renta wdowia) also rises, from 15% to 25% of the second benefit. The increase will be smaller than this year, when indexation was 5.5%.
