Roczne limity wpłat na IKE, IKZE, OIPE i PPE od 2004 roku / Annual contribution limits for Polish IKE, IKZE, PEPP and PPE retirement accounts since 2004, with KNF statistics on IKE and IKZE 2004-2026

PL. Każdy roczny limit wpłat na IKE, IKZE, OIPE i PPE od początku każdego produktu do 2027 roku, z prognozą płacy, mnożnikiem i aktem. Od wersji 2026-11-07 także pełny szereg danych KNF o IKE i IKZE, co pół roku od 31 grudnia 2004 (IKE) i 30 czerwca 2012 (IKZE) do 30 czerwca 2026: konta, aktywa, nowe konta, wpłaty, wypłaty, zwroty i transfery, ogółem i według typu instytucji, oraz liczba kont według płci i wieku, każda liczba z plikiem KNF i komórką arkusza. W plikach rocznych 21 liczb z lat 2014-2017 zastąpiono liczbami z aktualnych arkuszy KNF, 1 dopisano, 240 pustych pól uzupełniono; strona zbioru wymienia wszystkie 450 zmienionych komórek.

EN. Every annual contribution limit for Polish voluntary retirement accounts from the start of each product to 2027: IKE (individual retirement account, since 2004), IKZE (individual retirement security account, since 2012; higher limit for the self-employed since 2021), the Polish subaccount of the Pan-European Personal Pension Product (OIPE/PEPP, since 2023) and the employee's additional contribution to an occupational pension scheme (PPE, since 2004). Each amount comes with the forecast average wage it was computed from, the statutory multiplier and the official journal entry.

New in this version: the full series of statistics on IKE and IKZE published by the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego, KNF), every half year from 31 December 2004 (IKE) and 30 June 2012 (IKZE) to 30 June 2026. The series covers accounts held, assets, accounts opened, accounts with a contribution, contributions, payouts, early withdrawals and transfers, in total and by type of institution (insurers, investment funds, brokerages, banks, voluntary pension funds), plus accounts by sex and age group. Every number carries the KNF file it comes from and the cell of the spreadsheet or the page and table of the PDF report. KNF corrected many spreadsheets after publication, usually without describing the changes; the earlier file was found for two of them (IKE at 31 December 2015, IKZE at 31 December 2016), and their numbers are kept in their own rows next to the current ones (most are the same: 68 of 294 differ, and each row says whether its number changed). Numbers printed in KNF PDF reports that differ from the spreadsheets are kept as separate rows too, so nothing is overwritten.

The statistics are KNF's. obrotomierz.pl compiled them, added codes, the source of every number and the notes below, and did not change any value. On 30 June 2026 KNF reported 1,318,729 IKE accounts and 847,130 IKZE accounts. KNF counts accounts, not people: a person with both an IKE and an IKZE is counted in both, and accounts without contributions are included. Only an IKE or IKZE at a bank is a bank account, i.e. a deposit covered by the Polish deposit guarantee scheme (BFG); at investment funds, brokerages, insurers and voluntary pension funds the money is held in fund units, a brokerage account or an insurance policy. The dataset describes limits and KNF statistics and is not investment advice.

Strona zbioru / dataset page: https://obrotomierz.pl/dane/limity-ike-ikze/ Analiza / analysis: https://obrotomierz.pl/analizy/limity-ike-ikze/