Electricity, G11 tariff
1.04 PLN/kWh
0.0 %m/mURE G11 tariffs 2026 (PGE, Tauron, Enea, Energa), average with distribution.
How much does it cost to heat your house?
Move the slider, pick the insulation and compare five ways to heat a house in Poland. Open formulas, prices with a date and a source.
Example: 120 m² house, insulated
Cheapest: eco-pea coal, about 4,160 PLN a year
about 347 PLN a month,heat demand about 15,600 kWh/yr
- Eco-pea coal: about 4,160 PLN a year
- Heat pump: about 4,635 PLN a year
- Natural gas: about 5,091 PLN a year
- Pellets: about 8,727 PLN a year
- Direct electric: about 16,224 PLN a year
Difference between the cheapest and the most expensive option: about 12,064 PLN a year. Prices as of 7 October 2026.
Full calculatorThe prices we calculate with
Every price has a date and a source. The calculator uses exactly these values.
Natural gas, W-3.6
0.31 PLN/kWh
0.0 %m/mmyORLEN (formerly PGNiG OD) W-3.6 tariff, Oct 2026, with PSG distribution.
Bagged pellets
2,330 PLN/t
+1.0 %m/mMedian price of bagged pellets from producers and depots, Murator, Oct 2026.
Bagged eco-pea coal
1,600 PLN/t
+9.0 %m/mMedian price of bagged eco-pea coal (PGG, PKW, depots), KB.pl, Oct 2026.
12 calculators. Each with its formula.
Enter your own data and the prices from your bill. You can copy a link to the result and come back to it later.
Heating
House heating cost
Five heat sources, your floor area and your prices. With the formula and every assumption.
e.g. 120 m² house, insulated after 2000
House running costs
Heating, electricity, water, waste, tax, insurance and inspections as one monthly amount.
e.g. 120 m² house, gas, four people
Heat pump size calculator
Heat pump output in kW for your house and climate zone, with a hot water allowance and the yearly electricity cost.
e.g. 150 m² house, zone III: about 8.4 kW
Solar payback
Solar payback under Polish net billing: simulated self-consumption, tax relief, home battery and a 25-year balance.
e.g. 5 kWp, 4,000 kWh use, payback about 11.6 years
G11 vs G12 tariff calculator
Yearly bill in G11, G12, G12w and G13 for your usage and grid operator, with the break-even point.
e.g. 2,500 kWh a year, 35% in the cheaper zone, PGE
Home insulation calculator
U-value, yearly saving in PLN and payback of insulating walls or a ceiling.
e.g. 180 m² of brick wall, 15 cm of EPS
Thermal retrofit tax relief calculator
How much tax you get back for insulation, a heat pump or solar panels. With grants, the limit and several tax years.
e.g. heat pump 34,560 PLN, 12% tax scale
Property tax
Property tax on a house, plot and garage for 2026 or 2027, with instalments and due dates.
e.g. 150 m² house and 1000 m² plot: at most 958 PLN in 2026
- Electricity usage calculator 16 appliances with ready assumptions. Use in kWh and cost in PLN per year and per month.
- Fuel per heating season Tonnes of pellets and coal, metres of firewood, m³ of gas and litres of LPG per season, with bags, pallets and cost.
- EV charging cost Home, public AC and DC fast charging in your own proportions. Cost per 100 km, per year and against petrol.
- Hot water heating cost Electric heater on G11 and G12, gas, heat pump and pellets: the yearly cost of hot water and of one shower.
How we calculate
All five options start from the same heat demand. They differ only in device efficiency and energy price, so the ranking order does not depend on the size of the house.
Full methodologyHeat demand, your inputs
Q = 120 m² × 100 kWh/m² + 4 × 900 kWh = 15,600 kWh/yr
Yearly cost of each option
cost = Q ÷ efficiency × energy price
- Natural gas
- ÷ 0.95 × 0.31 PLN/kWh
- Pellets
- ÷ (4.9 kWh/kg × 0.85) × 2,330 PLN/t
- Heat pump
- ÷ SCOP 3.5 × 1.04 PLN/kWh
- Direct electric
- ÷ 1.0 × 1.04 PLN/kWh
- Eco-pea coal
- ÷ (7.5 kWh/kg × 0.8) × 1,600 PLN/t
Yearly heating cost of a 150 m² house
Five insulation standards and five ways to heat, with hot water for 4 people. The cheapest option in each row is highlighted.
| Insulation standard | Eco-pea coal | Heat pump | Natural gas | Pellets | Direct electric |
|---|---|---|---|---|---|
| Passive house 15 kWh/m² a year | 1,560 (cheapest) | 1,738 | 1,909 | 3,273 | 6,084 |
| Low-energy 40 kWh/m² a year | 2,560 (cheapest) | 2,853 | 3,133 | 5,370 | 9,984 |
| New, WT 2021 standard 60 kWh/m² a year | 3,360 (cheapest) | 3,744 | 4,112 | 7,049 | 13,104 |
| Insulated, after 2000 100 kWh/m² a year | 4,960 (cheapest) | 5,527 | 6,069 | 10,405 | 19,344 |
| Uninsulated, before 1990 200 kWh/m² a year | 8,960 (cheapest) | 9,984 | 10,964 | 18,797 | 34,944 |
Scroll the table sideways to see all columns.
Amounts in PLN per year, rounded. Prices as of 7 October 2026. An estimate, not an energy audit.