A new CBOS study reveals that a record 39% of Poles feel financially secure, able to afford luxuries without significant saving, as of March 2026.
Record Levels of Financial Well-being
A recent CBOS study indicates that Polish wealth has reached a record high, with the results being the best in the history of the research.
The percentage of respondents declaring financial freedom – enough for many expenses without significant saving, or the ability to afford some luxury – is 39 percent, the highest in the history of CBOS research, according to results published Monday.
Financial Security and Future Outlook
34 percent of respondents express complete peace of mind about their financial future, an increase from the previous year.
Current Financial Situation of Poles
Nearly half of respondents (49 percent) assess their living standard as moderate – sufficient for current needs but requiring savings for larger purchases. 32 percent state they live comfortably and can afford many things without saving, while 7 percent can afford some luxury.
Only 11 percent of respondents describe their living standard as modest, and 1 percent as very poor.
Improvement After Pandemic and Inflation
CBOS notes that after a deterioration in assessments during the pandemic and high inflation, an improvement in subjective assessment of financial situation has been visible since 2024. This year’s result is higher than before the pandemic and exceeds last year’s, which was also a record.
Declining Fear of Poverty
The study also shows a moderate improvement in sentiment regarding financial future. Fear of poverty is declared by 23 percent of respondents, compared to 24 percent a year earlier, while the percentage of those completely calm about their finances increased to 34 percent from 30 percent.
Simultaneously, 40 percent of respondents are not afraid of poverty but anticipate a possible deterioration in their financial situation.
Demographic Differences in Financial Perception
Younger people, those with higher education, and residents of the largest cities assess their situation best. Positive assessments are also more frequently declared by three- and four-person households, students, and senior and specialist staff. Relatively weaker moods concern older people, pensioners, farmers, and single-person households, especially those created by people over 55 years of age.
Methodology
The “Current Problems and Events” study was conducted using a mixed-mode procedure on a representative named sample of adult residents of Poland, drawn from the PESEL register. The study was carried out from March 5 to 15, 2026, on a sample of 1012 people (including: 64.4 percent using the CAPI method, 20.2 percent – CATI and 15.4 percent – CAWI). (PAP)
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