Practical guide
How should Polish B2B and leasing scenarios be compared?
Business simulations do not reproduce complete accounting or financing offers. Their purpose is to compare scenarios under consistent, transparent assumptions.
Compare cash flows in one convention
Enter B2B revenue excluding VAT when costs and the result are also analysed without VAT. Separate business costs from social, health and tax amounts.
The B2B comparison is annual for 2026: scale, flat income tax and one confirmed revenue lump-sum rate. Enter deductible costs, cash expenses and paid social/health contributions for each regime separately. The model does not determine ZUS liabilities or tax-regime eligibility.
A lease payment is not the complete cost
The lease model includes price, initial payment, buyout, term, rate and entered upfront/monthly fees. Net and VAT are separated using one shared VAT rate. Insurance and tax deductibility are not calculated automatically.
Compare the sum of all fees and buyout terms, not only the monthly payment.
Change one assumption at a time
To understand the effect of a cost, payment or rate, keep other values unchanged. Several simultaneous changes make the difference difficult to explain.
Record parameter dates and sources outside the calculator because the tools deliberately do not retain inputs.
Frequently asked questions
What does this guide explain about “Compare cash flows in one convention”?
Enter B2B revenue excluding VAT when costs and the result are also analysed without VAT. Separate business costs from social, health and tax amounts. The B2B comparison is annual for 2026: scale, flat income tax and one confirmed revenue lump-sum rate. Enter deductible costs, cash expenses and paid social/health contributions for each regime separately. The model does not determine ZUS liabilities or tax-regime eligibility.
What does this guide explain about “A lease payment is not the complete cost”?
The lease model includes price, initial payment, buyout, term, rate and entered upfront/monthly fees. Net and VAT are separated using one shared VAT rate. Insurance and tax deductibility are not calculated automatically. Compare the sum of all fees and buyout terms, not only the monthly payment.
What does this guide explain about “Change one assumption at a time”?
To understand the effect of a cost, payment or rate, keep other values unchanged. Several simultaneous changes make the difference difficult to explain. Record parameter dates and sources outside the calculator because the tools deliberately do not retain inputs.
Calculators covered by this guide
Leasing calculator
Net or gross instalment, VAT, initial payment, buyout and total fees.
B2B calculator — annual comparison
Annual comparison of three PIT regimes using entered costs and contributions.