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Financial calculators
A self-employed person and employee· Deductions, reliefs and old age
Self-employed: available money after deduction, own payments for old age and tax relief. Separate pension plan from verified amounts of ČSZV.
What to enter in the calculation
- 01
Sales and gross wages
The real costs are different from the annual tax expenditure.
- 02
Old age and relief payments
Deductions according to confirmation, employer's contribution especially.
- 03
Pension plan
Only confirmed estimates of pensions, not a claim derived from sales.
Annual model 2026 for the main activity of the self-employed outside the flat-rate tax and normal employment. The sales are not net income or gross wages.
3. Tax relief according to confirmed supporting documents
Kč
Kč
Deduction is not a tax discount: it reduces the tax base. Enter the eligible part of the confirmation of the provider, taking into account the common limit of other products. For PCS, the entire payment is not normally deducted. Children: 15 204 / 22 320 / 27 840 CZK per year according to the order applied; only when the conditions and without double application of the parent are met. Bonus is not counted. Basic discount on the taxpayer 30 840 CZK is already counted.
The same own savings • different contributions
What you have left every month
PERSONAL
30 665 KčAvailable after costs, levy, tax and own savings
Especially for old age3 000 Kč
Staff
36 270 KčAvailable after costs, levy, tax and own savings
Especially for old age3 000 Kč
The employer's contribution is not a wage to be spent; the state's contributions are not your own savings on the old age. The result is based on sales and wages, not the same company's cargo.
- Insurance against sickness
- The employee is part of the job; the self-employed person pays them voluntarily by means of a special, not counted here. The amount of benefits cannot be determined from this comparison.
- Future state pension
- Differential contributions do not automatically mean calculated difference of pensions. On the Pension Plan page, compare confirmed estimates of ČSZV.
| Item | PERSONAL | Staff |
|---|---|---|
| Social insurance | 8 030 Kč | 3 550 Kč |
| Health insurance | 3 375 Kč | 2 250 Kč |
| Tax on discounts | 4 930 Kč | 4 930 Kč |
| Tax savings due to savings | 0 Kč | 0 Kč |
| Own old age payments | 3 000 Kč | 3 000 Kč |
| Employer's contribution | 0 Kč | 0 Kč |
What is extra paid by the employer
- Social monthly
- 12 400 Kč
- Health monthly
- 4 500 Kč
- Total monthly cost including wages and allowances
- 66 900 Kč
Presumption and official resources
- Indicative annual model 2026: main activity of the EEAS throughout the year, excluding flat-rate taxes, without exceptions from the minimum, without simultaneous employment. Normal employee without reduced rates; wage at least statutory minimum. Annual amounts divided by 12 are not a monthly advance regulation or exact wage tape.
- The actual operating expenditure reduces the available money.The tax expenditure applied determines the basis for tax and levy; it may vary, for example, in the case of a flat-rate expenditure. Enter their total annual amounts, not a percentage. The Social and Health Insurance Unit is not tax expense.
- Social OSCC: 29,2 % of at least 55 % of the profit, with a minimum annual base of CZK 205 668 and a maximum of CZK 2 350 416. Minimum is based on the change effective since July 2026. Health: 13.5 % of the profit, at least on the basis of 293 802 Kč. It is not voluntary sickness insurance.
- Tax of 15 % and 23 % above the base of CZK 1 762 812; basic discount of CZK 30 840 per year. Confirmed benefit for children applies only to the amount of the tax, tax bonus is not included. The child must not apply the second parent during the same period.
- The certified eligible deduction reduces the tax base, not the deduction; the common limit is 48000 CZK per year, including other eligible products. DPS cannot normally be deducted from the entire payment; enter the eligible part according to the provider's confirmation.
- The employer's contribution is only in the employee variant, separately from the available wage; the common exemption limit is CZK 50,000 per year for all eligible products. The model does not count state income, income or pension entitlement. ČSSZ confirms the pension independently of this model.
- The result is not tax or investment advice or recommendations.
- The same cargo scheme of the company derives the invoicing of the OSC from gross wages, social and health insurance of the employer and the old-age allowance. DTH, other benefits, equipment and holidays are not included. The cost and tax expenses of the OSC remain entered. This is not an assessment of the admissibility of the work relationship.
- _ ↗
- ČSSZ change minimum since July 2026 ↗
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- Financial management of the tax, discounts and deductions ↗
The information on this website, calculator results and PDF reports are for information and education only. They are not investment advice, investment recommendations or an offer of a specific investment instrument. Investment services are limited to facilitating access to options; the decision always rests with the client. Investing involves risk: values can rise or fall, returns are not guaranteed, and past performance does not guarantee future results. Tax and contribution figures are indicative and do not replace tax advice. Fix the unfilled or inadmissible values for the marked pane; zero is the valid figure where it is allowed.
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