tyle Polski

How much is enough?

Tyle is an iPhone app for planning your saving and spending. It works out how long your money will last, how much you can spend each month and how much more to put aside, after tax and inflation.

Coming soon to the App Store

For iPhone with iOS 18 or later.

Tyle was made in Poland and handles IKE, IKZE and Polish treasury bonds. You can add other tax-advantaged accounts with your own rules.

Try one of the app’s calculators

I have and spend a month.

It lasts

6 years and 7 months

It never runs out with spending of up to 447 a month.

With no further saving, a 6% yearly return, 19% tax on profit and 3% inflation, in today’s money. In the app you set your own assumptions. This is an estimate, not financial advice.

What you can work out in the app

How much can I spend each month?

You see the monthly amount that makes your money last exactly as many years as you plan.

How long will my money last?

Enter what you spend each month and see how long your money lasts, and the most you can spend without it ever running out.

How much longer do I need to save?

You see how long it takes to save enough to then take out what you want each month.

A plan built on your actual money

Goal mode

  • Savings, stocks and funds, cash, treasury bonds, and the Polish IKE and IKZE retirement accounts, each taxed by its own rules.
  • How much of this year’s IKE and IKZE limit is left.
  • When you reach financial independence, or when you’ll be debt-free, against your original plan.
  • Saving goals, covered in the order you choose.
  • Loans and cards with their instalments, what paying extra would save you, and the order you repay them in.
  • Accounts the app doesn’t cover directly (from an employer, from another country) as a Custom wallet with your own payout age and tax.
  • In Poland, a Learn tab: the current treasury bond offer, news and creators’ materials, with notifications of new ones if you switch them on.
  • Widgets for the Home Screen and the Lock Screen. Outside Poland, amounts in the currency you choose.

Tyle Pro

Most of Tyle is free. Tyle Pro (a subscription or a one-time purchase) adds:

  • treasury bond wallets;
  • how much to pay in each month to use your IKE and IKZE limits;
  • how much IKZE saves you in tax;
  • your loan rates compared with the National Bank of Poland’s average;
  • what renegotiating or refinancing would save;
  • inflation set for each year, and more widgets.

Bonds, IKE/IKZE and the loan-rate check are for Poland.

Tyle’s Plan screen: the age you can stop working and your days of financial independence

Your data stays on your phone

You don’t need an account, and there are no ads or analytics. Tyle only downloads public data, such as the treasury bond offer, inflation and the National Bank of Poland’s rates. Details are in the privacy policy.

Why “Tyle”?

Tyle (say TIH-leh) is Polish for “this much”. The app answers the question “How much more money do I need?”, and the answer is Tyle.