bots.st/finwire-pl-polish-financial-data
finwire.pl - Polish financial data
Poland rates, rents, credit, macro data
2659 ms
answered our call
- State
- Answered
- Protocol
- MCP 2025-06-18
- Tools listed
- 63
- Answered
- 3 of the last 3 calls
How to reach it
- MCP, HTTP
https://public-api.finwire.pl/mcp
What it can do
| Tool | What it says it does |
|---|---|
calc_employer_cost | Total monthly cost to the employer of an employment contract (umowa o pracę) or a mandate contract (umowa zlecenie) in Poland for a given gross pay: employer pension and disability contributions, accident insurance (basic rate for payers up to 9 insured), Labour Fund (FP), Guaranteed Employee… |
calc_net_income | Monthly take-home pay in Poland from: employment contract (uop: umowa o pracę, standard costs, PIT-2 filed, no reliefs), mandate contract (zlecenie: ZUS, health, 20% costs, PIT-2), contract for specific work (dzielo: no ZUS, 20% costs) or B2B self-employment of a sole proprietor (b2b: tax scale… |
calc_zus_contributions | Monthly social security contributions (ZUS: pension, disability, sickness, accident, Labour Fund) of a sole proprietor (JDG) in Poland under each scheme: start relief (ulga na start), preferential ZUS and full ZUS, with the contribution base. The health contribution depends on the tax form and… |
check_bfg_guarantee | Check whether a Polish bank or credit union (SKOK) is on the list of entities covered by the deposit guarantee of the Bankowy Fundusz Gwarancyjny (BFG), by name, trade name (e.g. "Inteligo") or website. Without query: counts of commercial banks, cooperative banks, credit unions and entities in… |
check_knf_warnings | Look up a company, investment platform or website on the public warnings list of the Polish Financial Supervision Authority (KNF) by name, website domain, KRS, NIP or REGON. Returns matching entries verbatim from KNF (entity, identifiers, legal basis, prosecutor, final rulings, important… |
compare_business_forms | Compare yearly taxes and net income to the owner for running a business in Poland as a sole proprietorship (JDG: tax scale, flat 19% tax, lump-sum ryczałt) or a limited liability company (sp. z o.o.) with one shareholder (shareholder pays ZUS and the health contribution) or with two or more… |
compare_macro_indicators | History of 2-4 indicators aligned by period, for questions like "are wages growing faster than prices". All keys must have the same frequency (all monthly, or all quarterly); otherwise the call fails and says which differ. |
find_ev_chargers | Public EV charging sites in Poland from the UDT register EIPA near a city or a point: give city, or lat and lon with radius_km. Filters: min_kw (e.g. 150 for ultra-fast), free_charging, available_now (at least one point free according to a status younger than 2 hours), network slug, connector… |
get_average_pole | Profile of the typical person in Poland (finwire_average_pole) built from the latest official readings: median age (Eurostat), median gross and net wage (GUS), median price per m2 of a flat (GUS), average new mortgage (BIK), model monthly mortgage payment, average ZUS pension, spending per person… |
get_bank_rates | Aggregates of offers currently on the market (median and percentiles, no single bank offers): mortgage APRC and margin, cash loan APRC, term deposit and savings account rates; or retail government bond rates (product "bonds"). finwire indices of the best offers (finwire_mortgage_barometer… |
get_broker_fees | Fees of brokers available to Polish investors from their official fee tables: online order commission on Warsaw (GPW), US and German stocks and ETFs, account and currency conversion fees, IKE/IKZE, investor protection and promotions valid today, with the fee table URL and the date it was last… |
get_business_forms | All Polish business forms (sole proprietorship JDG, unregistered activity, sp. z o.o., P.S.A., S.A., general, limited and professional partnerships, branch, representative office) with available yes/no for the owner status, the reason, conditions (e.g. PESEL for CEIDG) and facts on capital… |
get_business_glossary | Polish-English glossary of business, tax, ZUS and registration terms (JDG, sp. z o.o., CEIDG, KRS, ryczałt, KPiR, KSeF, JPK, CRBR, UPO, PSI and others) with one-line explanations. |
get_business_guide | Verified facts about doing business in Poland, each with the act, article, link to the official text and the verification date. Topics: intl-tax (selling into Poland from abroad, VAT registration, reverse charge, OSS, permanent establishment, transfer pricing, Estonian CIT, IP Box), residence… |
get_business_registrations | Monthly applications filed in CEIDG, the Polish register of sole proprietorships (Ministry of Development and Technology data on dane.gov.pl): registrations of new sole proprietorships, closures (deregistrations), suspensions and resumptions, registrations minus closures, the latest month against… |
get_compliance_calendar | Calendar of tax, ZUS, VAT, payroll and reporting deadlines for a calendar year: monthly PIT/CIT advances or ryczałt, own ZUS, JPK_V7M, PIT and ZUS of employees, PPK, annual returns, annual health contribution, CIT-8, financial statements and JPK files. Dates are computed from statutory rules with… |
get_credit_judgments | Statistics of rulings of Polish common courts in consumer credit disputes, published in the Court Rulings Portal of the Ministry of Justice and classified by finwire.pl: CHF mortgages (chf), loans in EUR and other currencies (waluta_inna), free credit sanction under art. 45 of the Consumer Credit… |
get_credit_market | Polish housing loan market: topic "index" (finwire 0-100 credit market index, returns finwire_credit_market_index), "survey" (NBP bank lending survey: criteria and demand), "monetary" (NBP household loans and deposits, new housing loans), "demand" (BIK Demand Index for housing loans, average… |
get_currency_rates | NBP mid, bid and ask rates of currencies against PLN (table), the history of one currency, or the NBP gold price (code "XAU"). |
get_daily_price_index | Experimental daily index of online shelf prices of a fixed basket of food, drinks, household and personal care products in three Polish online shops (finwire_daily_price_index), base month = 100: latest value and change since the base month, basket categories with change since the base month and… |
get_dataset | Any dataset by id from search_datasets, with optional params listed there. Returns the same data as the public REST API /v1 (long lists shortened). Prefer the dedicated tools when one fits. |
get_electric_vehicles | Battery electric (BEV) and plug-in hybrid (PHEV) passenger cars in Poland: fleet at year end and new cars in the year with shares (Eurostat), fuel mix of new cars, provinces and counties per 1000 passenger cars with top and bottom counties (GUS BDL, when the county series is available), and the… |
get_energy_prices | Household electricity and gas tariffs approved by URE and in force today: electricity energy price of the default seller and distribution rates per operator for G11, G12 and G12w with cheaper-zone hours and fees; gas fuel price, subscription and PSG distribution rates per tariff area for W-1.1 to… |
get_europe_data | Poland compared with EU countries: "house-prices" (Eurostat house price index), "mortgage-rates" (ECB rates on new housing loans), "bond-yields" (10-year yields and spreads vs Germany and euro area), "overburden" and "overcrowding" (housing conditions), "energy-prices" (household electricity or… |
get_ev_charging | Public EV charging in Poland from the UDT register EIPA: locations, stations and charging points today and at each month end since December 2019, growth year on year, charging sites and fast sites (at least 50 kW) by province and county, sites per 10k residents, sites by maximum power class (EU… |
get_ev_charging_prices | Ad hoc EV charging prices in Poland (for a driver without a contract) reported by operators to the UDT register EIPA: median price per kWh with point counts by power class (AC up to 22 kW, DC below 50 kW, DC 50-149 kW, from 150 kW), AC vs DC, cheapest and most expensive networks, share of points… |
get_finwire_index | One finwire index by its id finwire_* (old dataset ids such as credit-market-index, borrowing-power or credit-stress are accepted as aliases): latest and previous reading with periods, change, method version, sources, citation formula and history. Indices computed from WIBOR publish only the… |
get_fixed_cost_burden | Sztywne koszty gospodarstwa finwire (finwire_fixed_cost_burden): share of net income of a model household (two earners on the regional median wage) taken by the mortgage payment on a 50 m2 flat in the province capital, administrative fee, heating, water, waste, electricity and TV licence; Poland… |
get_fuel_prices | Maximum retail prices of Pb95, Pb98 and diesel in PLN per litre announced by the Minister of Energy in Monitor Polski: price in force, next day price if announced, and recent history. |
get_heating_season | Indeks chłodu sezonu finwire (finwire_heating_season_index) and Koszt sezonu grzewczego finwire (finwire_heating_season_cost): heating degree days since 1 July (Eurostat method, IMGW-PIB synoptic stations) vs the 20-season norm for Poland and 17 cities, cold index (100 = norm, below = warmer)… |
get_housing_balance | finwire housing balance for Poland and 17 cities: finwire_housing_pressure (new residents per 1 dwelling completed in the same year, from GUS migration for permanent residence and foreigners insured in ZUS, yearly), finwire_housing_pipeline (forecast of dwellings completed in 4 quarters up to 2… |
get_housing_carry | Carry nieruchomości finwire (finwire_housing_carry): per Polish city, the net rental yield of a typical 2-room flat (after one vacant month, flat-rate rental tax, admin fee in vacant months and property tax) minus the variable mortgage interest rate, in percentage points, monthly with history… |
get_housing_costs | Monthly running costs of a flat in 20 largest cities: co-op and owners association charges per m², heating, electricity, gas, water and waste rates, each with year and scope (city or province). |
get_housing_prices | Transaction prices of flats per square meter from notarial deeds (RCN): median, quartiles, year-over-year change and number of deeds in 17 cities, or per district of one city. source "gus" gives the GUS quarterly series instead. view "location-premium" gives finwire_location_premium: per district… |
get_ike_ikze_stats | IKE and IKZE (Polish individual retirement accounts with tax relief) from half-yearly KNF data: number of accounts and assets, split by institution type (insurers, investment funds, brokers, banks, voluntary pension funds), accounts opened, contributions, withdrawals and returns since January… |
get_interest_rates | Current NBP policy rates (reference, lombard, deposit, rediscount, discount) with the date of the last change, or the history of one rate. WIBOR and POLSTR are not available (GPW Benchmark license). |
get_investment_funds | Assets, purchases of units, redemptions and net flows of investment funds in Poland from monthly IZFiA data: whole market, fund groups (short-term bond, bond, equity, mixed, PPK, target date, absolute return, commodity, crypto assets, private market) with IZFiA profiles, bond funds by type, equity… |
get_lead_forecasts | Two finwire.pl models with 80% intervals. finwire_cost_pressure (Presja kosztowa finwire): NBP core inflation y/y in 6 and 12 months from a unit labour cost proxy, producer prices and the EUR/PLN change. finwire_npl_forecast (Stres kredytowy wyprzedzający finwire): share of impaired (IFRS 9 Stage… |
get_legal_changes | Acts of the Journal of Laws and Monitor Polski on personal finance, tax, labour and housing: entering into force soon and recently, with plain-language summaries, plus bills in the Sejm. Also returns the next 30 days of the finwire legal calendar (series finwire_legal_calendar): PIT, ZUS and VAT… |
get_legal_limits | Statutory values for the current year: IKE and IKZE contribution limits, PIT thresholds and rates, tax-free amount, capital gains tax, rental flat-rate tax, minimum wage and other limits; topic "local-tax" gives the upper limits of local property tax rates. Company tax regimes (CIT, Estonian CIT… |
get_macro_calendar | Upcoming Polish macro releases and decisions (RPP rate decisions, CPI, wages, GDP, industrial output) with date, time and importance (higher is more important). Dates marked tentative may move. |
get_macro_changes | Indicators whose reading was updated in the last N days (newest first), with the change against the previous reading. |
get_macro_indicator | One indicator by key with its meaning, latest reading, freshness, next release and history (oldest first) with min and max over the window. Use for "what is the current X", "how has X changed". |
get_macro_snapshot | Start here for "how is the Polish economy doing" or a briefing. Returns the six headline indicators (GDP, inflation, unemployment, wages, rates and similar) with latest reading, change and freshness, which indicators changed recently, and the next releases and RPP meetings. |
get_municipal_budget | Pieniądze Twojej gminy (finwire_gmina_spending_per_capita): for one Polish municipality (gmina) or city with county rights - executed spending per resident by category (schools, social help, family benefits and nurseries, roads, waste and water, administration, culture, sport, municipal housing… |
get_next_year_limits | Statutory values for the next year computed by finwire.pl from the formulas in Polish law on the latest GUS and NBP data, before the official act (finwire_next_year_limits): pension indexation and minimum pension, minimum wage and hourly rate (statutory minimum rise), projected average wage, IKE… |
get_nowcast | Finwire Nowcast (finwire id: finwire_nowcast), the finwire.pl statistical model of the next official readings: CPI inflation y/y and core inflation y/y (point and 80% interval) and probabilities of a cut, no change or hike at the next RPP (Monetary Policy Council) meeting. Recomputed daily, frozen… |
get_pension_stats | Average old-age pension paid by ZUS (gross and net), disability and survivor pensions, number of pensioners, sickness and maternity allowances, the pension to wage ratio finwire_pension_wage_ratio, CPI, minimum pension and indexations, monthly from preliminary ZUS data (without KRUS and uniformed… |
get_ppk_stats | PPK (Pracownicze Plany Kapitałowe), the Polish auto-enrolment workplace pension programme, from the monthly PFR Portal PPK bulletin (PPK Register kept by PFR): net assets of target date funds, active accounts, participants, employers running PPK, participation rate, average management fee, number… |
get_public_debt | State Treasury debt of Poland at the end of the latest month (Ministry of Finance): amount, change, debt per resident finwire_public_debt_per_capita, average growth per second over 12 months, domestic/foreign and retail bonds; national public debt and general government debt % of GDP (quarterly)… |
get_rate_risk | finwire model on WIBOR fixings and bank offers: finwire_rate_risk_gauge (Ryzyko raty finwire) - chance that the payment of a PLN 400,000, 30-year variable-rate mortgage rises by more than 5% or 10% (or falls by more than 5%) in 3, 6 and 12 months, with the 10th/50th/90th percentile of the payment… |
get_regional_data | Regional data: "income" (residents income per capita by municipality, or county with level "powiat"), "pit" (PIT due per resident from tax returns by municipality and province, by type of return, PIT-38 capital gains returns per 1000 residents, finwire_pit_per_capita; with name = one municipality… |
get_rents | Asking rents (median, per m², month-over-month change) in Polish cities and districts, with gross and net rental yield and payback period. |
get_retail_bond_premium | Premia obligacji skarbowych finwire (finwire_retail_bond_premium): by how much the first-year rate of Polish State Treasury retail savings bonds (OTS, ROR, DOR, TOS, COI, EDO; family ROS and ROD separately) exceeds the finwire deposit index (best 3-month deposits), the finwire savings account… |
get_retail_prices | Average retail prices of 30 goods and services in Poland from GUS (bread, butter, milk, eggs, meat, vegetables, sugar, electricity, gas, heating, petrol, diesel, bus ticket, taxi, haircut, doctor visit, cinema) for the latest month, with change vs the previous month and the same month a year… |
get_subsidy_stats | Czyste Powietrze (Clean Air), the Polish subsidy programme for replacing heating sources and thermal modernisation of single-family houses, from the weekly NFOŚiGW summary: applications, contracts and paid subsidies cumulative (all editions and the Modernisation Fund edition), last week, completed… |
get_tax_rulings | Individual tax rulings of the Polish tax information office (KIS) and municipal rulings on property tax, published in the EUREKA database of the Ministry of Finance, by topic: private rental (najem_prywatny), selling a flat and the housing relief (sprzedaz_nieruchomosci), IKE/IKZE (ike_ikze)… |
get_tax_treaty | Polish withholding tax on dividends, interest and royalties paid to a resident of a country: the statutory rate, the rate in the double tax treaty with Poland (portfolio and qualified holding), whether MLI modifies the treaty, and the EU/EEA/Swiss parent-subsidiary exemption with its holding… |
get_vehicle_registrations | First registrations of vehicles in Poland, monthly since 2014, from the Ministry of Digital Affairs files with CEPiK data: passenger cars and all vehicles, 17 vehicle types, provinces per 1000 residents, top passenger-car brands of the month and of 12 months (nationwide or one province) and the… |
list_finwire_indices | All indices computed by finwire.pl, each under a stable id finwire_* (e.g. finwire_mortgage_barometer, finwire_credit_capacity_index, finwire_deposit_rate_index, finwire_savings_rate_index, finwire_rcn_price_index, finwire_price_gap_index, finwire_entry_threshold_index… |
And 3 more tools.
In its maker's words
Live Polish rates, FX, housing prices, rents, credit market, legal limits and macro data.
- Website
- finwire.pl/mcp
- Source
- github.com/finwire-pl/api
- Publisher
- finwire.pl
- Listed from
- the official MCP Registry as
pl.finwire/data - Version
- 1.15.0, updated 7 Nov 2026
- Kinds of work
- Finance and markets, Law, tax and government, Data and databases
The domain it lives on
- finwire.pl
- registered 12 Apr 2026 (7 months ago), at home.pl sp. z o.o., its home page is a working site
From our own crawl of domain names: registry records and the home page as our crawler last saw it.
Every call we made
| When | What happened | Time |
|---|---|---|
| Answered | 2659 ms | |
| Answered | 2153 ms | |
| Answered | 1552 ms |
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