Generator
Polish tax microaccount generator
Generate a tax microaccount from PESEL or NIP. An individual without business activity or VAT registration, who is not a tax or social-contribution payer for others, generally uses PESEL. A business, VAT taxpayer or payer uses NIP, including someone also employed under an employment contract.
Generator
Enter data
The identifier type and a valid Polish PESEL or NIP number. Fields marked with an asterisk are required.
How to use the calculator
- Choose the identifier appropriate to your status, not simply any identifier you possess.
- Enter the identifier. Copy transfers only the 26 account digits. Before paying, compare with the Ministry generator linked in the sources below.
Calculation details
Formula and calculation method
Validate the identifier checksum, NIP format from the KSeF SDK and full PESEL date, including century and leap years. The sequence 10100071222, marker 1/2 and identifier form an NRB account with modulo-97 check digits.
Worked example
A valid identifier creates a 24-digit account body. The algorithm calculates two check digits and prefixes them to produce all 26 digits.
Limitations
- Inputs are processed in the browser without storage. A valid structure does not prove PESEL/NIP issuance, ownership or identity. No official registry is queried.
- Not every tax or fee is paid to a microaccount. Confirm payment type and account with the Ministry; do not pay solely on the basis of this simulation.
Sources
- Polish Ministry of Finance — tax microaccount
- Ministry of Finance — choosing PESEL or NIP
- Gov.pl — PESEL structure
- Ministry of Finance / CIRFMF — KSeF SDK NIP checksum (code reviewed 30 September 2026)
- Ministry of Finance / CIRFMF — KSeF SDK NIP format (code reviewed 30 September 2026)
Engine version: 1.1.0 · Last reviewed: 30 September 2026
Frequently asked questions
What does this tool cover?
Generate a tax microaccount from PESEL or NIP. An individual without business activity or VAT registration, who is not a tax or social-contribution payer for others, generally uses PESEL. A business, VAT taxpayer or payer uses NIP, including someone also employed under an employment contract.
Which assumptions should I verify?
Inputs are processed in the browser without storage. A valid structure does not prove PESEL/NIP issuance, ownership or identity. No official registry is queried. Not every tax or fee is paid to a microaccount. Confirm payment type and account with the Ministry; do not pay solely on the basis of this simulation.
Are entered values stored?
Calculations run locally in your browser. Entered identifiers, amounts and results are not stored or sent to analytics.