Polish retirees confront pension earnings limits and look abroad for cheaper living

Rising living costs in Poland are prompting an increasing number of Polish seniors to consider moving abroad, with Kenya highlighted as a destination where a typical pension can afford a comfortable lifestyle. The article outlines typical expenses in Poland, the average pension amount expected in 2026, and the appeal of warmer, lower‑cost countries for retirees.

At the same time, the Social Insurance Institution (ZUS) has introduced new income thresholds for pensioners who work before reaching the standard retirement age. From March 2026, earnings up to 6,438.50 PLN per month will not affect the pension, earnings between that figure and 11,957.20 PLN will lead to partial reductions, and earnings above the higher limit can result in a full suspension of the early pension or disability benefit. Once retirees reach the statutory age of 60 for women or 65 for men, these limits no longer apply, allowing unrestricted employment and the possibility of increasing pension benefits through additional contributions.