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IntroductionCalculators
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Build a financial plan or compare the rent vs. the mortgage on the same budget. Try also the rent and income scenarios. The calculations are indicative, not investment advice, recommendations or promise of financing.
Your finances in numbers
Financial calculators
Income outage· Sickness reserve
It will show how long the reserve lasts in a long illness and how much a month is missing from the necessary expenditure.
What to enter in the calculation
- 01
Select status
Employee or self-employed with voluntary sick or unemployed persons.
- 02
Enter a pleasant, spending and reserve
Necessary household expenses.
- 03
Select the duration of the blackout
How many months without full income?
Kč
Kč
Kč
months
The 60 % model is a simplified estimate of your net income, not a legal calculation. Employers pay compensation for working days in the first 14 calendar days of the first 60 % of reduced average earnings; from the 15th day they pay the sick ČSSI. The actual amount and percentage vary according to the earnings and length of incompetence. For a more precise plan choose Custom estimates.
Conditions of sick leave at the ČSSZ,The long-term incapacity model with the same monthly compensation throughout the period chosen. The daily amount is equal to income of 1 month = 30 days; the capital covers the necessary expenses after deduction of the provision. It is not the price of insurance or the recommendation of a specific contract. Invalidity and death require separate assessments.
Please note that sickness benefits usually end within about one year of the end of a longer incapacity. Therefore, for a longer period of time, consider the calculation as a model and deal with it separately.
How much will your income fall a month?
16 000 Kč
Na nezbytné výdaje by chybělo 6 000 Kč měsíčně. Rezerva tento rozdíl dočasně pokryje, ale nenahradí trvalý příjem.
- Missing for the necessary expenditure each month
- 6 000 Kč
- In addition to the reserve you need for the whole period
- 54 000 Kč
Detailed breakdown of the calculation
- Indicative daily income balance
- 534 Kč
Rezerva pokryje 15 měsíců chybějících výdajů.
Discuss the result with AlešThe 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.
What does the result mean for you?
The numbers are the beginning. Together, we place them in your budget, goals and life situation.
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The instruments are operated by the Assetia Group. Read more on assetio.cz