finwire.pl
Public financial data API
NBP policy rates, CPI inflation, NBP FX rates, 10-year bond yields, flat transaction prices from notarial deeds (RCN) and GUS, rents and rental yield, housing supply, GUS wages and wages by occupation, unemployment by province and county, government bonds, property tax limits, the macro release calendar and finwire's own indicators (entry threshold, credit stress map, barometers). One clean format, normalized, with explicit source attribution.
MCP server for AI assistants
Connect Claude, ChatGPT, Cursor, VS Code or any MCP client to the live data. Streamable HTTP, stateless, no API key.
https://public-api.finwire.pl/mcp
Tools: get_macro_snapshot (headline indicators, recent changes and next releases), list_macro_indicators (find macro indicator keys), get_macro_indicator (one indicator with history), compare_macro_indicators (2-4 series side by side), get_macro_changes (what updated recently), get_macro_calendar (upcoming releases and RPP meetings), search_datasets (catalog of all datasets with the tool to call), get_dataset (any dataset by id, same data as /v1), get_interest_rates (NBP policy rates and their history), get_currency_rates (NBP exchange rates, currency history, gold price), get_fuel_prices (maximum fuel prices (Monitor Polski)), get_subsidy_stats (Czyste Powietrze heating subsidy programme: applications, contracts, payouts, payout queue, heat sources (finwire_clean_air_payout_rate)), get_rate_risk (mortgage payment risk: chance the variable-rate payment rises by >5% in 12 months, payment percentiles in 3/6/12 months, backtest (finwire_rate_risk_gauge); fixed-rate premium (finwire_fixed_rate_premium)), get_retail_bond_premium (Polish retail savings bonds vs best bank deposits and savings accounts after tax, per series, with retail bond sales (finwire_retail_bond_premium)), get_fixed_cost_burden (share of household net income taken by mortgage, admin fee, utilities and TV licence, Poland and 16 provinces (finwire_fixed_cost_burden)), get_municipal_budget (budget of a Polish municipality: spending per resident by category vs neighbours, similar municipalities and Poland, debt per resident, EU funds with largest projects, rankings (finwire_gmina_spending_per_capita)), get_heating_season (heating season degree days vs the 20-season norm, cold index, season forecast and heating cost of a 100 m2 house, Poland and 17 cities (finwire_heating_season_index, finwire_heating_season_cost)), get_ppk_stats (PPK (Employee Capital Plans): net assets, active accounts, participants, participation rate, average fee, average account (finwire_ppk_avg_account)), get_pension_stats (average ZUS pension gross and net, other pensions, allowances, pension to wage ratio (finwire_pension_wage_ratio)), get_average_pole (typical person in Poland (finwire_average_pole): median age, median wage, flat price, average mortgage and model payment, pension, spending, car age, top car brand), get_business_registrations (new, closed and suspended sole proprietorships in CEIDG (MRiT), registrations per 100 closures (finwire_new_business_ratio)), get_vehicle_registrations (first registrations of vehicles in Poland by type, province and passenger-car brand, share of brands from China (Ministry of Digital Affairs, CEPiK; finwire_car_registrations_pulse, finwire_chinese_brands_share)), get_electric_vehicles (battery-electric and plug-in hybrid cars in Poland: new registrations and fleet by year, by county and province; fuel mix of new cars (Eurostat, GUS; finwire_ev_share_new_cars)), get_ev_charging (public EV charging points in Poland (UDT EIPA): monthly totals, sites by power class (EU AFIR 22/50/150/350 kW) and connector, top counties by ultra-fast sites, top networks, points per 1000 EVs (finwire_ev_charging_coverage), AFIR power classes with median prices, growth year on year (finwire_ev_infrastructure_growth) and daily growth by power class and network), find_ev_chargers (EV chargers near a city or point in Poland (UDT EIPA): power class, kW, points free now, lowest price per kWh; filters for fast, free and available chargers, network, connector; one site card with points and status), get_ev_charging_prices (EV charging prices per kWh in Poland (UDT EIPA): medians by power class, AC vs DC, networks, recent price changes (finwire_ev_charging_price_index); one network price list), get_investment_funds (investment funds in Poland (IZFiA): assets, inflows, outflows and net flows by fund group, PPK, finwire_fund_flows_index), get_housing_carry (housing carry per city: net rental yield minus mortgage rate, monthly (finwire_housing_carry)), get_ike_ikze_stats (IKE and IKZE retirement accounts (KNF, half-yearly): accounts, assets and contributions by institution type, limit usage, finwire_ike_ikze_avg_balance), get_public_debt (Polish State Treasury debt, debt per resident (finwire_public_debt_per_capita), public debt % of GDP, state budget deficit (Ministry of Finance)), get_energy_prices (regulated household electricity and gas tariffs (URE)), get_retail_prices (average shop prices of 30 goods and services (GUS), finwire shopping basket, minutes of work), list_finwire_indices (registry of finwire indices (finwire_* ids) with latest readings), get_finwire_index (one finwire index by finwire_* id or alias, with history and citation), get_nowcast (Finwire Nowcast (finwire_nowcast): CPI and core inflation forecasts, RPP decision probabilities, accuracy), get_lead_forecasts (core inflation in 6-12 months (finwire_cost_pressure) and impaired housing and consumer loans in 2-4 quarters (finwire_npl_forecast), 80% intervals, backtest accuracy), get_housing_prices (flat prices per m2 from notarial deeds, cities and districts; location premium by district (finwire_location_premium)), get_rents (asking rents and rental yield), get_housing_balance (new residents per new dwelling (finwire_housing_pressure), completions forecast from building permits (finwire_housing_pipeline), 6-month rent forecast (finwire_rent_forecast)), get_housing_costs (running costs of a flat in 20 cities), get_credit_market (credit market index (finwire_credit_market_index), NBP lending survey, household loans, BIK housing loan demand), get_broker_fees (brokerage account fees from official fee tables), get_bank_rates (market aggregates of mortgages, cash loans, deposits, savings; retail bonds), get_legal_limits (IKE/IKZE, PIT, minimum wage and other statutory values; local tax limits), get_next_year_limits (next-year pension indexation, minimum wage, IKE/IKZE limits, ZUS bases and caps from the formulas in law before the act, with interval, stage and backtest (finwire_next_year_limits)), get_legal_changes (acts entering into force, bills in the Sejm, legal calendar (finwire_legal_calendar)), check_knf_warnings (look up a firm or website on the KNF public warnings list (finwire_knf_warnings_monitor)), check_bfg_guarantee (check whether a bank or credit union is covered by the BFG deposit guarantee; list counts with history (finwire_bfg_guarantee_monitor)), get_regional_data (income and PIT per resident by municipality, property tax reliance of municipalities (finwire_local_tax_squeeze), unemployment and wages by province), get_credit_judgments (court rulings in consumer credit disputes (CHF, WIBOR, free credit sanction, early repayment): monthly counts, share for the borrower (finwire_borrower_win_share), instances, newest rulings), get_tax_rulings (tax rulings of KIS and municipalities from EUREKA by personal finance topic: weekly counts (finwire_tax_rulings_pulse), most cited provisions, newest rulings), calc_net_income (business in Poland: monthly take-home pay from an employment, mandate or work contract or B2B self-employment (tax scale, flat tax, ryczalt) with ZUS, health and PIT), calc_employer_cost (business in Poland: total cost to the employer of a gross salary (ZUS, FP, FGSP, PPK)), compare_business_forms (business in Poland: sole proprietorship (JDG) vs limited company (sp. z o.o.), yearly taxes and net to the owner, treaty dividend rate), calc_zus_contributions (business in Poland: ZUS of a sole proprietor under start relief, preferential and full scheme), plan_business_entry (business in Poland: one call for a foreign founder - forms available with reasons, taxes and net per form with treaty dividend rate, setup steps, residence, deadlines), get_business_forms (business in Poland: every legal form with available yes/no for the owner status, reason and legal basis), get_tax_treaty (business in Poland: withholding tax on dividends, interest, royalties paid abroad - statutory vs treaty rate, MLI, parent-subsidiary exemption), get_compliance_calendar (business in Poland: yearly tax, ZUS, VAT and reporting deadlines computed from statutory rules), get_business_guide (business in Poland: verified facts with act, article and link - VAT for foreign sellers, residence, PESEL, hiring foreigners, labour law, accounting, reliefs, closing), get_business_glossary (business in Poland: Polish-English glossary of business, tax and ZUS terms), get_europe_data (Poland vs EU: house prices, mortgage rates, bond yields, household electricity and gas prices (finwire_eu_power_price_gap), minimum wages).
Resources (macro://catalog, finwire://datasets, finwire://dataset/{id}) and prompts for briefings.
Each result includes the period of the reading, the original source, the license, a ready citation and a link to the finwire.pl page.
Same data and the same license as /v1; WIBOR and POLSTR and single bank offers are excluded.
Discovery: server card, /.well-known/ard.json.
finwire indices (finwire_* ids)
Every index computed by finwire.pl has one stable id finwire_*, the same in this API, in MCP (list_finwire_indices, get_finwire_index), in CSV files (column series_id) and in the JSON-LD identifier on finwire.pl. GET /v1/finwire-index lists all indices with the latest reading; GET /v1/finwire-index/{id} returns one index with its history. Old dataset ids are accepted as aliases. License CC BY 4.0: cite finwire.pl with the id and method version (field citation). Indices computed from WIBOR (usesBenchmarkRate) publish only the result, never WIBOR or POLSTR.
GET https://public-api.finwire.pl/v1/finwire-index GET https://public-api.finwire.pl/v1/finwire-index/{id}?limit=120
Source: finwire.pl, https://public-api.finwire.pl
The data may be used with source attribution and a backlink to finwire.pl. Public data (NBP, GUS, Ministry of Finance) requires attribution to the original source; finwire indicators are available under CC BY 4.0. The license of each dataset is listed on its page. WIBOR and POLSTR are not available: redistribution requires a license from GPW Benchmark.
Time series
Interest rates: NBP policy rates
Current and historical NBP policy rates (reference, lombard, deposit, rediscount, discount), up to 10 years back. WIBOR and POLSTR are not available: they are GPW Benchmark data, and redistributing them requires a license from GPW Benchmark (gpwbenchmark.pl).
/v1/series/interest-rate/{indicator}
CPI inflation (GUS)
Consumer price inflation (CPI), year-over-year (YoY) and month-over-month (MoM), monthly and annual, based on data from Statistics Poland (GUS).
/v1/series/cpi
NBP currency rates
Mid rates (table A) and bid/ask rates (table C) for major currencies against the Polish zloty, current and up to 10 years of daily history, based on NBP tables.
/v1/series/fx/{code}
Housing prices in 17 cities (GUS)
Median transaction price per square meter of flats on the secondary and primary market in 17 Polish cities for the latest quarters, with year-over-year and real (inflation-adjusted) change, based on Statistics Poland (GUS) data. For long history since 2010 use transaction-prices (RCN).
/v1/series/housing/{city}
Government bonds
Interest rates of retail government bonds (OTS, ROR, DOR, TOS, COI, EDO, ROS, ROD) across successive issues, based on Polish Ministry of Finance data.
/v1/bonds
Wages (GUS) - median and percentiles
Median, mean and percentiles of gross wages in Poland, plus average wages across the 16 provinces, based on GUS wage-distribution data.
/v1/wages
Legal limits (IKE, IKZE)
Current legal limits updated annually: annual contribution limits for the IKE and IKZE retirement accounts and related values, based on official announcements.
/v1/legal-limits
Government bond yields (10-year)
Monthly long-term (10-year) government bond yields for Poland, Germany, the euro area and the EU, with the Poland-Germany and Poland-euro area spreads in basis points. Eurostat EMU convergence criterion series.
/v1/series/bond-yields/{geo}
Registered unemployment rate (GUS)
Monthly registered unemployment rate for Poland and the 16 provinces since 2011, plus the counties (powiaty) with the lowest and highest rate, based on the GUS Local Data Bank (BDL).
/v1/series/unemployment
Wages by occupation (GUS)
Mean, median and deciles of gross monthly wages for about 175 occupation groups, by gender and public vs private sector, with the gender pay gap. GUS survey "Structure of wages and salaries by occupation", published every two years.
/v1/wages/occupations/{code}
Local property tax upper limits
Maximum rates of the local property tax (land, buildings, structures) per tax year, as announced by the Minister of Finance in Monitor Polski, with the legal basis. Municipalities set their own rates up to these limits.
/v1/legal-limits/local-tax
Gold price (NBP)
NBP price of 1 g of gold (fineness 1000) in PLN: latest quote with the day-to-day change, 1m/6m/1y/3y/5y changes, the all-time high, the 12-month average and the full history since 2013.
/v1/series/gold
Maximum fuel prices
Maximum retail prices of Pb95, Pb98 and diesel (PLN per litre, gross and net of VAT) from the announcements of the Minister of Energy: the price in force today, the price announced for the next day and the history. The cap applies only in periods of reduced VAT on fuel.
/v1/fuel-prices
Retail prices in shops and the finwire shopping basket (GUS)
Average retail prices of 30 goods and services in Poland from Statistics Poland (GUS): food (bread, butter, milk, eggs, meat, vegetables), energy and heating, fuel, public transport and services, monthly. Each item with month-over-month and year-over-year change and the minutes of work it costs at the average net wage in enterprises; the finwire shopping basket (finwire_shopping_basket_index): a fixed basket of 10 staple foods, with history.
/v1/prices/retail
Average ZUS pension and other benefits
Average old-age pension paid by ZUS (gross and net of the health contribution and PIT advance), disability, survivor, bridging and social pensions, number of recipients, payouts, sickness and maternity allowances, monthly from the preliminary ZUS publication. With the finwire index finwire_pension_wage_ratio (average pension as % of the average gross wage in the enterprise sector, GUS), CPI, the statutory minimum pension, indexations from 1 March and how many units of basic products (GUS average retail prices) the average net pension buys. ZUS figures exclude KRUS farmers and uniformed services.
/v1/pensions
Average Pole (finwire_average_pole)
A profile of the typical person in Poland that changes with every new reading: median age of the population (Eurostat demo_pjanind), median gross wage and its net amount under a standard employment contract (GUS wage distribution), median price per m2 of flats sold (GUS), average amount of a new mortgage (BIK), a model monthly payment of that mortgage at the average interest rate on new housing loans (NBP via ECB MIR), average ZUS old-age pension, monthly spending per person on consumer goods and services (GUS household budget survey), passenger cars by age class (Eurostat road_eqs_carage) and the most registered car brand over 12 months (first registrations, Ministry of Digital Affairs). Every trait carries its measure (median, mean, model, distribution, most frequent value) and its own data period.
/v1/average-pole
Investment funds in Poland: assets and net flows
Assets, purchases of units, redemptions and net flows of investment funds managed by Polish TFIs, monthly from the IZFiA files: the whole market (from February 2020), funds open to all investors, fund groups (equity, mixed, bond, short-term bond, PPK, target date, absolute return, commodity, crypto assets, private market) with IZFiA investment profiles (from February 2022), bond funds by type (treasury, corporate, universal) and equity funds by region. With the finwire index finwire_fund_flows_index (net flows of the last 12 months as % of fund assets 12 months earlier). Amounts in PLN million. Informational data, not investment advice.
/v1/investment-funds
Business registrations in Poland: new and closed sole proprietorships (CEIDG)
Monthly number of applications filed in CEIDG (the Polish register of sole proprietorships run by the Ministry of Development and Technology) to register, close, suspend and resume a business, and to change an entry, from the monthly MRiT files on dane.gov.pl (continuous series from November 2019). With registrations minus closures, each of the last 12 months against the same month in earlier years, the share of women among registration applications and the finwire index finwire_new_business_ratio (registration applications per 100 closure applications over 12 months). Counts of applications, not of firms in the register; companies registered in KRS are not included.
/v1/business-registrations
Vehicle registrations in Poland: first registrations by type, province and brand
Monthly first registrations of vehicles in Poland from the Ministry of Digital Affairs files with CEPiK data on dane.gov.pl: passenger cars and all vehicles since January 2014, 17 vehicle types (passenger cars, lorries, motorcycles, tractors, trailers...), provinces per 1000 residents, and passenger-car brands by province with the share of brands from China. A first registration in Poland covers new cars and used cars imported from abroad. Months whose province or type split is inconsistent (shifted rows, a copied month, provinces not summing to the total) are held back and listed in `quarantine`. With the finwire indices finwire_car_registrations_pulse (12-month sum of passenger cars, change year on year) and finwire_chinese_brands_share.
/v1/vehicle-registrations
Electric cars in Poland: fleet, new cars, counties and charging
Battery electric (BEV) and plug-in hybrid (PHEV) passenger cars in Poland: fleet at year end and new cars registered in the year from Eurostat (road_eqs_carpda, road_eqr_carpda), the fuel mix of new cars (petrol, diesel, hybrids, LPG), provinces and counties per 1000 passenger cars from GUS BDL when the county series is available, top and bottom counties, and the correlation of public charging sites per 10k residents with BEV per 1000 cars across counties (Spearman with a 95% bootstrap interval and a partial version controlling the median wage). Correlation is not causation. Tesla in first registrations of passenger cars by month and province (Ministry of Digital Affairs brand files, new and used imports) with an upper bound of its share of brand-new BEV. With the finwire index finwire_ev_share_new_cars (BEV as % of new passenger cars).
/v1/electric-vehicles
EV charging points in Poland (UDT EIPA)
Public charging infrastructure for electric vehicles in Poland from the Alternative Fuels Infrastructure Register (EIPA) kept by the Office of Technical Inspection (UDT): locations, stations and charging points today and at each month end since December 2019, charging sites on the EIPA map by province and county with fast sites (maximum power of at least 50 kW), sites per 10k residents, sites by maximum power class under the EU AFIR regulation (up to 22 kW, 23-49, 50-149, 150-349, 350+ kW) and connector family, counties with the most ultra-fast sites and networks with the most fast sites. The EIPA map shows only operationally available sites, so it lists fewer sites than locations in the statistics. With the finwire index finwire_ev_charging_coverage (charging points per 1000 BEV and PHEV passenger cars in the fleet of the latest known year).
/v1/ev-charging
PPK (Employee Capital Plans) statistics
Monthly statistics of PPK (Pracownicze Plany Kapitałowe, the Polish auto-enrolment workplace pension programme) from the PPK Register kept by PFR, published in the monthly PFR Portal PPK bulletin: net assets of target date funds, active accounts, participants, employers running PPK, participation rate (active accounts / employees of those employers), average management fee and the number of financial institutions. With the finwire index finwire_ppk_avg_account (net assets per active account). Values in the bulletin are rounded (net assets to PLN 0.01 billion, accounts to 0.01 million); the month comes from the snapshot date in the bulletin.
/v1/ppk
Polish retail savings bonds vs bank deposits (Premia obligacji skarbowych finwire)
Monthly finwire index finwire_retail_bond_premium: by how much the first-year rate of Polish State Treasury retail savings bonds (OTS 3-month, ROR 1-year, DOR 2-year, TOS 3-year, COI 4-year, EDO 10-year; family-only ROS and ROD shown separately) exceeds the finwire deposit index (average of the 5 best 3-month deposits), the finwire savings account index and the average rate on new household term deposits up to 1 year (NBP MIR statistics via the ECB), after the 19% capital gains tax on both sides, in percentage points. Headline: ROR over the finwire deposit index. With the monthly change of retail bond debt (Ministry of Finance) and household term deposits (NBP) and a correlation test of the premium with bond sales on our own series. Informational, not investment advice.
/v1/retail-bond-premium
Household fixed cost burden by province (Sztywne koszty gospodarstwa finwire)
Monthly finwire index finwire_fixed_cost_burden: share of the net income of a model household (two earners on the regional median gross wage from GUS, net pay from the shared employment contract calculator) taken by fixed monthly costs: mortgage payment on a 50 m2 flat bought in the province capital at the GUS median transaction price with 20% down payment over 30 years at the average rate on new housing loans (NBP MIR), administrative fee, heating, water, waste and electricity (GUS Local Data Bank rates and consumption, the same model as the flat running cost calculator) and the TV licence. Poland and 16 provinces, with the share without the mortgage.
/v1/fixed-cost-burden
Heating season in Poland: degree days, cold index and season cost (Sezon grzewczy finwire)
Daily finwire indices finwire_heating_season_index and finwire_heating_season_cost from IMGW-PIB synoptic stations (daily archive since 1966, current days from hourly readings, marked provisional): heating degree days since 1 July (Eurostat method: 18 C minus daily mean temperature on days with mean <= 15 C) vs the mean of the previous 20 full seasons (cold index, 100 = norm), for Poland (mean of 17 stations) and 17 cities; forecast of the season total with an 80% interval from the distribution of past winters (not a weather forecast), published only when the backtest on past seasons hits the interval at least 70% of the time and beats the naive "average season" forecast; season heating cost of a 100 m2 house for gas and heat pump (URE tariffs), coal and district heating (GUS); monthly means vs norm, season records, inland gas consumption (Eurostat). Aggregates only, no raw daily station readings.
/v1/heating-season
IKE and IKZE individual retirement accounts in Poland
IKE (indywidualne konto emerytalne) and IKZE (indywidualne konto zabezpieczenia emerytalnego) market from the half-yearly KNF data (state on 30 June and 31 December, from June 2020): number of accounts and assets by institution type (insurers, investment funds, brokers, banks, voluntary pension funds), accounts opened, contributions, withdrawals and returns since January, account holders by sex and age, average annual contribution vs the statutory annual limit, and the finwire index finwire_ike_ikze_avg_balance (assets on IKE and IKZE divided by the number of accounts). Amounts in PLN. KNF corrections replace earlier figures. Informational data, not investment advice.
/v1/ike-ikze
Czyste Powietrze (Clean Air) subsidy programme statistics
Applications, signed contracts and paid subsidies of the Czyste Powietrze programme (replacement of heating sources and thermal modernisation of single-family houses), cumulative for all editions since 2018 and for the edition financed from the Modernisation Fund, from the weekly NFOŚiGW summary "Czyste Powietrze w liczbach". With the last week, completed contracts, grants for bank loans, requested heat sources by type, the payout queue (subsidies in contracts not yet paid) with the weekly payout pace, and the finwire index finwire_clean_air_payout_rate (paid as % of contracted). National data only: NFOŚiGW does not publish a regional breakdown in this summary.
/v1/subsidies/clean-air
Polish public debt and state budget
State Treasury debt of Poland at the end of each month since 2001 from the Ministry of Finance time series (nominal, million PLN): domestic and foreign debt, retail savings bonds, currency structure and non-resident holders, average growth per second over the last 12 months, and the finwire index finwire_public_debt_per_capita (debt per resident, population from GUS as of 31 December of the previous year). Quarterly national public debt (PDP) and general government debt (EU definition) in million PLN and % of GDP, general government debt % of GDP from Eurostat, and the Ministry of Finance state budget execution estimate cumulative from January (revenue, expenditure, deficit, debt service) with the annual plan from the budget act. The three debt measures are different and should not be mixed.
/v1/public-debt
Regulated electricity and gas prices (URE tariffs)
Household tariffs approved by the President of the Energy Regulatory Office (URE) in force on a given day: electricity energy prices of the default sellers and distribution rates of the five operators for groups G11, G12 and G12w (with cheaper-zone hours), RES, cogeneration, capacity and excise fees; gas fuel price and subscription fees of the default seller and PSG distribution rates in 6 tariff areas for groups W-1.1 to W-4. Net amounts with the VAT rate, each with the URE decision number, decision date and tariff PDF.
/v1/energy/regulated-prices
Macroeconomic indicators
About 40 headline indicators of the Polish economy in one table: GDP, retail sales, industrial and construction output, CPI and core inflation, unemployment, wages, NBP rates, FX, household credit and deposits, business and consumer sentiment, legal limits (minimum wage, IKE/IKZE). Each row has the latest reading, previous reading, change, a 24-point sparkline and the source. Full history per indicator. GPW Benchmark indicators (WIBOR, POLSTR) are not included.
/v1/macro/indicators
Consumer sentiment (GUS)
GUS consumer survey: the current (BWUK) and leading (WWUK) consumer confidence indicators and 13 components (household finances, economy, unemployment, prices, saving, purchases of housing, a car, renovation). Balances from -100 to +100, monthly, with the history since 2010.
/v1/macro/consumer-sentiment
Average wage in the enterprise sector (GUS)
Monthly average gross wage in the enterprise sector with year-over-year change, the real change and employment, a two-year history and the wage by province.
/v1/wages/enterprise
Residents income by municipality and county
Income of residents per capita (PLN) by municipality (gmina) and county (powiat), derived from the local-government share in PIT (Ministry of Finance, Rb-27S reports) and the population (GUS BDL). Rank, ratio to the national average and the change against the previous year. Computed by finwire.pl.
/v1/income/municipalities
PIT returns by municipality (finwire_pit_per_capita)
Personal income tax (PIT) returns by municipality (gmina) from the yearly Ministry of Finance release "Dane z rozliczenia PIT za rok podatkowy w układzie terytorialnym": PIT due, revenue and taxpayers by type of return (PIT-37 and PIT-40A, PIT-36, PIT-36L, PIT-28, PIT-38, PIT-39), per resident with the GUS population, rank of all municipalities, provinces, revenue per PIT-37 taxpayer and PIT-38 (capital gains) returns per 1000 residents. National PIT due per resident is the finwire index finwire_pit_per_capita. All tax years published by the Ministry, refreshed when a new year or a correction appears.
/v1/pit/summary
Fiscal squeeze of municipalities (finwire_local_tax_squeeze)
How much municipal budgets rely on the property tax: planned property tax (Ministry of Finance budget reports Rb-27S, paragraph 031, companies and individuals) as a share of planned property tax plus the PIT share, for Poland (finwire index finwire_local_tax_squeeze), provinces, cities with county rights and every municipality, with property tax and PIT share per resident (GUS population), PIT share change and a squeeze flag (top quarter of reliance and PIT share per resident below the median). Includes the upper limit of the property tax rate for flats from the yearly Ministry of Finance notice. Budget years from 2025.
/v1/local-tax-squeeze
Municipal budgets: spending, debt and EU funding (finwire_gmina_spending_per_capita)
Budgets of all Polish municipalities (gminy) and cities with county rights: executed spending per resident by category (schools and kindergartens, social help, family benefits and nurseries, roads and transport, waste, water and street lighting, administration, culture, sport, municipal housing, fire brigades, interest on debt) from Ministry of Finance budget reports Rb-28S, investment spending, plan execution, debt per resident at the end of the quarter (Rb-Z), compared with neighbouring municipalities, municipalities of similar type and size, and Poland. EU funding per resident from the lists of projects co-financed by European Funds 2021-2027 and 2014-2020 (only projects located in a single municipality; 2014-2020 lists locate projects to the county). Natural persons are not named. National index finwire_gmina_spending_per_capita = spending of all municipalities / their population, full budget years from 2024.
/v1/jst-budget/municipalities
Electricity and gas prices for households in the EU
Eurostat household electricity and natural gas prices per kWh in the 27 EU countries, the EU average and the euro area, half-yearly since 2007: the latest half-year ranking in the typical consumption band (electricity 2500-4999 kWh a year, gas 20-199 GJ a year) with all taxes and without taxes, in EUR and in purchasing power standards (PPS), Poland also in PLN; history of Poland, the EU, the euro area and one comparison country. With the finwire index finwire_eu_power_price_gap (electricity price in Poland as % of the EU average in PPS) and how many kWh of electricity a monthly statutory minimum wage buys in each country. Eurostat does not publish gas prices for Poland from 2024-S1 (confidential).
/v1/europe/energy-prices
Minimum wages in the EU
Eurostat monthly statutory minimum wages in EU countries, half-yearly (S1 = as of 1 January, S2 = as of 1 July) since 1999: the latest ranking in EUR and in purchasing power standards (PPS) with the national currency amount, medians of countries with a statutory minimum wage, countries without one, and the history of Poland and one comparison country. The Polish amount in PLN is the national statutory value as reported by Eurostat.
/v1/europe/minimum-wages
Bank lending survey (NBP)
NBP survey of credit committee chairs: net balances of banks tightening lending criteria and of demand for housing and consumer loans, the terms of housing loans and the drivers behind the changes, quarterly, with the edition history.
/v1/credit-market/survey
Household loans and deposits (NBP)
Monthly stocks of household loans (PLN and FX, housing, consumer) and deposits (current and term) in PLN million, and the value of new housing and consumer loans, with month-over-month and year-over-year changes.
/v1/credit-market/monetary
Housing loan demand (BIK)
Monthly demand for housing loans in Poland from BIK (Credit Information Bureau) press releases: the BIK Demand Index (value of housing loan inquiries per working day, year-over-year), applicants, the average requested amount, the number and value of granted housing loans year-over-year and the average granted loan (plus cash loans, instalment loans and credit cards), next to the value of new housing loans in PLN (NBP) and the NBP survey on demand. BIK publishes changes rather than levels; June and December have no separate BIK release on granted loans. Figures are quoted "according to BIK" with a link to each release.
/v1/credit-market/demand
Interest rates on new loans in Europe (ECB)
ECB MFI interest rate statistics (MIR): average interest rate on new housing loans (total, variable or up to 1 year fixed, fixed over 10 years) and consumer loans by country, with Poland, the euro area and the median, monthly, with the history since 2014.
/v1/credit-market/ecb-rates
Mortgage payment risk and fixed-rate premium (finwire)
Two finwire indices from one model. finwire_rate_risk_gauge (Ryzyko raty finwire): the chance that the monthly payment of a PLN 400,000, 30-year variable-rate mortgage rises by more than 5% within 12 months, with the 10th, 50th and 90th percentile of the payment in 3, 6 and 12 months. The centre comes from forward rates implied by the WIBOR curve (3x6 and 6x12), the interval from errors of the same forecast over the last 10 years; walk-forward backtest since 2008 with 80% interval coverage, median error vs a no-change forecast and a Brier score. finwire_fixed_rate_premium (Premia za stałą stopę finwire): the typical 5-year fixed mortgage rate in bank offers minus the expected cost of the variable rate over 5 years, in percentage points, daily, plus a monthly series from ECB MIR (new housing loans in Poland) and windows of a negative premium. Only the results are published, never the WIBOR benchmark itself. Informational, not investment or credit advice.
/v1/credit-market/rate-risk
Real estate
Housing prices in 17 cities (NBP BaRN)
Average offer and transaction prices per square meter of flats on the primary and secondary market in 16 voivodeship capitals and Gdynia, quarterly since Q3 2006 (secondary transactions since 2000 where NBP reports them), from the NBP residential property price database (BaRN), plus the offer vs transaction price gap.
/v1/housing/nbp/{city}
Flat transaction prices (RCN)
Median, quartiles and quarterly trend of flat prices per square meter from notarial deeds in the Polish Real Estate Price Register (RCN), per city and per district. Aggregates only - no individual deeds.
/v1/housing/transactions/{city}
Asking rents
Median and mean monthly asking rents, rent per square meter and month-over-month change in Polish cities, with a breakdown by district. Based on listings aggregated by znajdznajem.pl.
/v1/rent/{city}
Rental yield
Gross and net rental yield and payback period per city: median asking rent of a 2-room flat (all listings where there are too few) against the secondary-market transaction price per square meter. Net yield accounts for vacancy and the flat-rate rental income tax. Computed by finwire.pl.
/v1/rent/yield
Housing carry (net rental yield minus mortgage rate)
Carry nieruchomości finwire (finwire_housing_carry): per city and month, the net rental yield of a typical 2-room flat (asking rent against the secondary-market transaction price, after one vacant month, the flat-rate rental income tax, the admin fee in vacant months and the property tax at the statutory upper rate) minus the variable mortgage interest rate (benchmark rate plus the typical margin from finwire mortgage offers), in percentage points, with monthly history. Negative carry means interest on a loan for the whole price exceeds what the flat earns from rent. Computed by finwire.pl. Informational data, not investment advice.
/v1/housing/carry
finwire housing balance: demographic pressure, completions forecast, rent forecast
Three finwire indices computed from public data already in finwire.pl: finwire_housing_pressure (new residents per 1 dwelling completed in the same year: net internal and foreign migration for permanent residence from GUS plus growth of foreigners insured in ZUS, for Poland, 16 provinces and 17 cities, yearly since 2012), finwire_housing_pipeline (forecast of dwellings completed in 4 quarters up to 2 years ahead from GUNB building permits, with the permit-to-completion lag chosen by cross-correlation, an 80% interval and backtest accuracy per horizon) and finwire_rent_forecast (6-month change of asking rent per m2 in cities from a panel model; published only after the backtest passes the accuracy threshold). Forecasts below the threshold are withheld (published=false).
/v1/housing/balance
Housing supply and demand (GUS)
Dwellings per 1000 residents, housing stock, completions, building permits, floor area per person, population change and migration for Poland, the 16 provinces and 17 cities, with yearly history since 2010, Census 2021 figures and the GUS population forecast.
/v1/housing/supply/{city}
Location premium by district (finwire_location_premium)
For each district of 17 Polish cities: median flat price per square meter from notarial deeds (RCN, last 12 months) against the price expected from the finwire neighbourhood quality score without price components (public transport, schools, shops and health, greenery and water, quiet, air), from a log-linear regression within the city. Premium = actual / expected - 1. Published only where the city has at least 8 districts with prices and the quality explains prices (slope above 0, R2 at least 0.15); with leave-one-out accuracy against the naive median. The national value of finwire_location_premium is the mean absolute premium.
/v1/housing/location-premium/{city}
Housing running costs by city
Average monthly costs of keeping a flat in 20 largest cities: service charges of co-ops and owners associations, heating, electricity, gas, water, waste, plus household size and floor area per person. Each rate names its year and whether it is a city or province level figure.
/v1/housing/upkeep/{city}
House prices and housing conditions in Europe
Eurostat house price index ranking of EU countries (quarterly, 2015=100, year-over-year and quarter-over-quarter change) with Poland, the EU and the euro area, plus the housing cost overburden rate and the overcrowding rate by country.
/v1/housing/europe
Calendar
Economic calendar
Upcoming Polish macro releases and decisions: Monetary Policy Council (RPP) rate decisions, CPI flash and final readings, wages, unemployment, GDP and industrial output, with release time and importance.
/v1/calendar
Legal changes radar
Acts of the Journal of Laws (Dz.U.) and Monitor Polski touching personal finance, tax, labour and housing: acts entering into force soon and recently, with the dates, topics, affected groups and links to ELI and ISAP, plus open bills in the Sejm with their last stage. Single bill tracker by term and print number.
/v1/legal-changes
Legal calendar for personal finance (finwire_legal_calendar)
Calendar of Polish personal finance dates, series id finwire_legal_calendar: PIT, ZUS and VAT deadlines (moved to the next working day per art. 12 par. 5 of the Tax Ordinance), year end for IKE and IKZE contributions with the limits, changes of statutory values and limits, acts of the Journal of Laws and Monitor Polski entering into force, RPP meetings and starts of retail bond sales. Also available as an ICS subscription at https://finwire.pl/kalendarz-zmian.ics.
/v1/legal-calendar
KNF public warnings list
Entries of the public warnings list of the Polish Financial Supervision Authority (KNF): notifications of suspected offences (e.g. investment, banking or payment services without a licence) and criminal proceedings joined by the KNF chair. Columns verbatim from KNF (entity name, KRS/NIP/REGON, prosecutor, mentions of final rulings, important information), counts by legal basis, new entries per full week of tracking (finwire_knf_warnings_monitor) and lookup by name, website, KRS, NIP or REGON. An entry is a notification, not a conviction; absence from the list does not mean that a firm holds a KNF licence. Entries removed by KNF are not published.
/v1/knf-warnings
Tax rulings on personal finance (EUREKA)
Individual tax rulings (interpretacje indywidualne) of the National Revenue Information (KIS), changes of rulings and municipal rulings on local taxes, published in the EUREKA database of the Polish Ministry of Finance, grouped by personal finance topic: private rental, selling a flat and the housing relief, IKE/IKZE, crypto, shares and dividends (PIT-38), sole proprietorship and lump-sum tax, PIT reliefs, property tax. Weekly counts in full weeks (finwire_tax_rulings_pulse) against all individual rulings, provisions cited most often per topic in the last 52 weeks and the newest rulings: signature, authority, dates, shortened thesis, provisions and a link to the full text in EUREKA. A ruling answers one taxpayer about their own case.
/v1/tax-rulings
Court rulings in consumer credit disputes
Rulings of Polish common courts in consumer credit disputes (CHF and other foreign currency mortgages, WIBOR clauses, free credit sanction, early repayment cost refunds, unit-linked policies), classified by finwire.pl: counts by publication month, share ruled for the borrower at least in part (finwire_borrower_win_share), courts, first vs second instance, newest rulings with links to the Court Rulings Portal of the Ministry of Justice. Only rulings published in the portal are counted; bank names are anonymised by the courts. Statistics of published rulings, not legal advice; each ruling concerns one contract.
/v1/credit-judgments
finwire indicators
finwire index registry (finwire_* identifiers)
Every index computed by finwire.pl under one stable identifier (finwire_*): the latest reading with its period, the previous reading, the change, the method version and the citation formula. GET /v1/finwire-index lists all indices (including the ones in preparation), GET /v1/finwire-index/{id} returns one index with its history. Old dataset ids (e.g. credit-market-index, borrowing-power) are accepted as aliases. Indices computed from WIBOR publish only the result, never the benchmark rate.
/v1/finwire-index/{id}
Entry threshold (wage needed to buy a flat)
The gross monthly wage per person needed to get a mortgage on a model flat (50 sqm, secondary market, 20% down payment, 25 years) within KNF DSTI limits in 17 cities, the installment, the share of employees who earn at least that, and the flat size financed by the median wage in the city. Prices per sqm from notarial deeds in the Real Estate Price Register (4-quarter window weighted by deeds), GUS RCiWN median as a flagged fallback for small samples. Recomputed daily by finwire.pl (method 2). finwire id: finwire_entry_threshold_index.
/v1/index/entry-threshold
Credit market index (housing loans)
A monthly 0-100 index of conditions on the Polish housing loan market (50 = the 2018-2024 average). Weighted average of four standardized components: year-over-year change in new housing loans (NBP, 35%), bank margin over WIBOR 3M (ECB MIR and GPW Benchmark, 25%), net percentage of easing criteria and rising demand in the NBP senior loan officer survey (25%) and the share of impaired PLN housing loans (KNF, 15%). Computed by finwire.pl. finwire id: finwire_credit_market_index.
/v1/index/credit-market
finwire credit stress map
The installment of a model mortgage for a 50 sqm flat as a percentage of the average net wage in each of the 16 provinces, with DSTI thresholds per the KNF Recommendation S. Computed by finwire.pl. finwire id: finwire_credit_stress_index.
/v1/index/credit-stress
Finwire Nowcast: inflation and RPP decision forecasts
The finwire.pl statistical model of the next official readings: CPI inflation y/y (settled against the GUS flash estimate) and core inflation y/y (NBP) as a point with an 80% interval, and the probabilities of a cut, hold or hike at the next Monetary Policy Council (RPP) meeting. Recomputed daily and frozen 3 working days before publication; after publication each forecast is settled against the actual reading. Includes the model inputs, the rolling backtest history and accuracy scores against naive benchmarks. A model estimate for information, not investment advice. finwire id: finwire_nowcast.
/v1/macro/nowcast
finwire lead forecasts: core inflation pressure and impaired loans
Two finwire.pl statistical models. Presja kosztowa finwire (finwire_cost_pressure): NBP core inflation y/y in 6 and 12 months with an 80% interval, from a unit labour cost proxy (enterprise wages minus industrial output growth plus employment growth), producer prices (PPI), the 3-month EUR/PLN change and the distance of core inflation from the NBP 2.5% target. Stres kredytowy wyprzedzający finwire (finwire_npl_forecast): share of household housing loans and consumer loans with impairment (IFRS 9 Stage 3, KNF monthly banking sector data) in 2 and 4 quarters with an 80% interval, from the 12-month change in WIBOR 3M, the change in registered unemployment and the portfolio trend. Direct multi-step ridge regressions on a rolling window, intervals from out-of-sample errors. A forecast is published only when at least 70% of actual readings fell inside the 80% interval in the rolling backtest (at least 12 forecasts in the last 36 months); otherwise the numbers are withheld (published=false) and only the backtest statistics are returned. A model estimate for information, not investment advice.
/v1/macro/lead-forecasts
Real return on deposits
The rate of the best term deposits after the capital gains tax, adjusted for CPI inflation - a barometer of whether savings actually gain or lose value. Computed by finwire.pl. finwire id: finwire_real_deposit_rate_barometer.
/v1/index/real-deposit-rate
Housing affordability (financeable area)
The number of square meters of housing that a model household can finance with a mortgage. Computed by finwire.pl. finwire id: finwire_housing_affordability_barometer.
/v1/index/housing-affordability
Mortgage cost
A barometer of the current mortgage interest rate against the 3-year average. Computed by finwire.pl. finwire id: finwire_mortgage_cost_barometer.
/v1/index/credit-cost
Borrowing power (barometer)
The maximum mortgage available to a model household over time. Computed by finwire.pl. finwire id: finwire_borrowing_power_barometer.
/v1/index/borrowing-power
Purchasing power (inflation)
A barometer of the zloty purchasing power based on the chain of month-on-month CPI changes (GUS). Computed by finwire.pl. finwire id: finwire_purchasing_power_barometer.
/v1/index/purchasing-power
Next-year statutory limits from legal formulas (finwire_next_year_limits)
Polish statutory values for the next year computed by finwire.pl from the formulas written in the laws, on the latest GUS and NBP data, before the government announces them: pension indexation (art. 89 of the FUS pension act) and the minimum pension, the statutory minimum rise of the minimum wage (art. 5 of the minimum wage act) and the hourly rate, the projected average wage and the IKE and IKZE contribution limits, the 30x ZUS contribution cap and ZUS contribution bases, the flat-rate tax and small CIT taxpayer revenue limits converted at the NBP EUR rate of the first working day of October. Each item has a stage (projekcja = formula estimate, projekt = government draft, obwieszczenie = announced, obowiazuje = in force) that switches automatically when the act is published, an 80% interval, the calculation with inputs and periods, the daily estimate path and a backtest on past years with official values.
/v1/legal-limits/next-year
Market aggregates
Term deposit rate aggregates
Median, percentiles and spread of term deposit rates currently available on the market, for a model amount and term. Aggregates only - no individual bank offers.
/v1/market/deposit-rates
Savings account rate aggregates
Median and percentiles of savings account rates currently available on the market. Aggregates only - no individual bank offers.
/v1/market/savings-rates
Mortgage rate aggregates
Median APRC (RRSO), margin and nominal rate of mortgages for a model loan. Aggregates only - no individual bank offers.
/v1/market/mortgage-rates
Cash loan rate aggregates
Median APRC (RRSO) and nominal rate of cash loans for a model amount and term. Aggregates only - no individual bank offers.
/v1/market/cash-loan-rates
Brokerage account fees
Fees of brokers available to Polish investors (domestic brokerage houses, bank brokerage offices and foreign brokers) from their official fee tables: online order commissions on the Warsaw Stock Exchange, US and German markets (rate, minimum, cap, free turnover), account and currency conversion fees, IKE/IKZE availability, investor protection and promotions valid today. Each broker carries the fee table URL, its effective date and the status of a weekly automatic check of the table.
/v1/brokers
Find EV chargers in Poland (UDT EIPA)
Public EV charging sites in Poland from the Alternative Fuels Infrastructure Register (EIPA) of the Office of Technical Inspection (UDT), read with an end-user data account: search by city or by point and radius, filter by minimum power, free charging, free right now (status younger than 2 hours), network and connector (CCS, CHAdeMO, Type 2). Each site has a power class under the AFIR regulation (AC up to 22 kW, DC below 50 kW, DC 50-149 kW, from 150 kW), maximum power, number of points, points free now and the lowest ad hoc price per kWh. The site card adds address, opening hours, stations and points with connectors, price and status with its age. Operator contact details are not included.
/v1/ev-charging/chargers
EV charging prices in Poland (UDT EIPA)
Ad hoc charging prices (for a driver without a contract with the operator) reported by operators to the UDT register EIPA: median, quartiles and point counts per kWh by AFIR power class, AC vs DC, by network and by city (from 10 points), share of points with a per-minute fee, recent price changes, and the finwire index finwire_ev_charging_price_index (monthly median price per kWh at DC points, with AC alongside). Promotional prices, tariffs requiring registration, start fees and obvious entry errors are excluded.
/v1/ev-charging/prices
EV charging networks in Poland (UDT EIPA)
Charging networks (brands) with at least 10 stations in the UDT register EIPA: stations, sites, points by power class, points from 150 kW, median AC and DC ad hoc price per kWh, reliability (share of working points among networks reporting status), provinces and cities, free charging sites; a ranking with published weights for networks with at least 100 stations; one network with its price list, price changes, status now, provinces and cities. Index finwire_ev_charger_reliability (daily share of working points).
/v1/ev-charging/networks
EV charger occupancy in Poland (UDT EIPA)
Occupancy of public charging points from statuses in the UDT register EIPA read every 15 minutes. Most networks report a status only when it changes, so the last known status of a point counts while its network has sent any status change in the last 24 hours; a point occupied with no change for more than 7 days counts as no reading; out of order only for networks reporting within 30 days. Status now (both by this measurement rule and by the 2-hour "free now" rule of the map), weekly trend, weekday x hour heatmap, occupancy by power class, busiest sites, cities and networks, and the finwire index finwire_ev_charger_occupancy (occupied share of measured minutes in each full week, Monday to Sunday). History is published after at least 14 days of readings.
/v1/ev-charging/occupancy
Growth of EV charging infrastructure in Poland (UDT EIPA)
How public EV charging grows in Poland: locations, stations and charging points at every month end since December 2019 from the UDT EIPA statistics, monthly change, change year on year and growth records, plus CNG and LNG points; daily snapshots from the EIPA end-user data account (since the start of measurement) of sites and points by power class (AC, DC below 50 kW, 50-149 kW, from 150 kW), province and network, and the same for one network (network=slug) or city (city=slug). Index finwire_ev_infrastructure_growth (charging points year on year, monthly).
/v1/ev-charging/growth
Ultra-fast charger coverage by county (UDT EIPA)
For every Polish county (powiat): charging sites, fast sites (from 50 kW) and ultra-fast sites (from 150 kW), and the straight-line distance from the county label point (PRG boundaries) to the nearest site from 150 kW; counties without an ultra-fast site, and the finwire index finwire_ev_fast_coverage (share of the population living in counties with at least one site from 150 kW, GUS population).
/v1/ev-charging/coverage
CNG, LNG and hydrogen stations in Poland (UDT EIPA)
Public CNG, LNG and hydrogen refuelling stations from the UDT register EIPA: location, network, fuels, ad hoc price per m3 (CNG) or kg (LNG, hydrogen) with its date, opening hours, maximum output and hydrogen refuelling pressure (350 or 700 bar); medians per fuel.
/v1/ev-charging/gas
BFG deposit guarantee list
Banks and credit unions (SKOK) covered by the Polish deposit guarantee scheme of the Bankowy Fundusz Gwarancyjny (BFG): counts of commercial banks, cooperative banks, credit unions, foreign branches and entities in bankruptcy for every change of the list (series finwire_bfg_guarantee_monitor, history from 2019 rebuilt from Internet Archive copies of the BFG page), the latest additions, removals, moves to bankruptcy and renames, the EUR 100,000 limit with its PLN equivalent at the latest NBP average EUR rate, and lookup by name or website. Branches of banks from other EU countries are covered by the scheme of their home country, so they are not on the list.
/v1/bfg-guarantee
Snapshot
Insights
Usage policy
- Responses are JSON with a
metablock containing the source, date and a ready-to-use citation. - Rate limit: 120 requests / minute per IP. Data is cached at the edge - it refreshes once a day.
- Raw bank offers are not exposed - the "Market aggregates" section returns statistics only.
- WIBOR and POLSTR are not available. They are GPW Benchmark data; using them in your own application requires a Market Data License Agreement with GPW (dystrybucja.informacji@gpw.pl).
- The data is informational. finwire.pl is not a licensed investment adviser.