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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.
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Financial calculators
Employer's contribution· Salary versus money for old age
How much of the increase will you get into your account and how much can you go to your old age? Compare the net wage with the employer's contribution and the cost of the company.
What to enter in the calculation
- 01
Select View
Employee or firm.
- 02
Set the monthly amount
The annual exemption limit is 50 000 Kt. For regular contributions each month we count no more than CZK 4,166 in whole crowns.
- 03
Fill in years or number of people
Employee sees a model amount per oldage, company savings per year.
Higher wages, or old age allowance?
We compare the same increase in gross wage with the same amount of old age allowance. The company's total cost is not the same in both variants.
Kč
Exemptions up to CZK 50,000 per year for supported products. With the same contribution each month we enter a maximum of CZK 4,166 in whole crowns.
Compare own payments and tax deductionyears
%
You can use the wages right now.
The gross increase shall be deducted from the tax and insurance.
The allowance is for old age.
It is not about the money for current expenditure. Tax support has production conditions; at least 10 years of DIP and reaches 60 years.
Presumption and conditions
Rates 2026: employee 7.1 % social, 4.5 % health, tax 15); employer 24.8 % social, 9 % health. Simplified without tax rebates, higher rates of taxation and ceilings of insurance. The exemption limit is common to supported products on an old age basis; we assume that it does not receive other contributions.
The two long-term comparisons store the whole amount each month with the same model assessment. The proceeds are not guaranteed; the model does not include inflation, fees or taxes on drawing. The number of years chosen does not determine the right to be selected. The early withdrawal can mean a refund of tax support.
With the company we expect tax recognition of both costs and the possibility to use tax savings. Orientation model, not tax or investment advice or recommendations.
Thanks to the contribution, every month goes to extra age
1 108 Kč
The difference is that no tax or insurance is deducted from the exemption contribution. This is not an increase in the amount in your current account.
Salary increase3 058 Kč / month.
Old age allowance4 166 Kč / month.
Both amounts are on the same scale from 0 KNo
- For an extra year for age without evaluation)
- 13 298 Kč
Detailed breakdown of the calculation
- Gross wage increase
- 4 166 Kč
- Social insurance of employees
- 296 Kč
- Staff health insurance services
- 187 Kč
- Income tax
- 625 Kč
Net wages deferred to old age1 791 085 Kč
Old age allowance2 440 170 Kč
Both amounts are on the same scale from 0 KNo
O 649 085 Kč more on old age
Only if you are delaying the entire net wage; both options count on an evaluation 5 It's a model, not a promise of return.
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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