{"id":2473,"date":"2020-12-22T10:00:13","date_gmt":"2020-12-22T09:00:13","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=2473"},"modified":"2024-06-25T15:41:55","modified_gmt":"2024-06-25T13:41:55","slug":"vypocet-ciste-mzdy-2021-o-kolik-si-polepsite","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/vypocet-ciste-mzdy-2021-o-kolik-si-polepsite\/","title":{"rendered":"V\u00fdpo\u010det \u010dist\u00e9 mzdy pro rok 2021. O kolik si polep\u0161\u00edte a jak toho vyu\u017e\u00edt?"},"content":{"rendered":"\n

A\u017e do leto\u0161n\u00edho roku se v\u00fd\u0161e \u010dist\u00e9 mzdy zam\u011bstnanc\u016f v \u010cesku vypo\u010d\u00edt\u00e1vala ze superhrub\u00e9 mzdy<\/strong>. Tu tvo\u0159\u00ed sou\u010det dvou slo\u017eek \u2013\u2060 hrub\u00e9 mzdy a zdravotn\u00edho a soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 za zam\u011bstnance odv\u00e1d\u00ed zam\u011bstnavatel. 15% da\u0148 z p\u0159\u00edjmu, kterou \u010de\u0161t\u00ed zam\u011bstnanci odv\u00e1d\u011bj\u00ed, se vypo\u010d\u00edt\u00e1v\u00e1 nejen z hrub\u00e9 mzdy, ale pr\u00e1v\u011b i z pojistn\u00e9ho. To, jak\u00e1 je va\u0161e superhrub\u00e1 mzda a kolik st\u00e1tu aktu\u00e1ln\u011b odv\u00e1d\u00edte, v\u00e1m prozrad\u00ed kalkula\u010dka pro v\u00fdpo\u010det \u010dist\u00e9 mzdy<\/a>.<\/p>\n\n\n\n

N\u00e1vrh poslanc\u016f po\u010d\u00edt\u00e1 s t\u00edm, \u017ee sazba dan\u011b z p\u0159\u00edjmu fyzick\u00fdch osob z\u016fstane 15 %, ale superhrub\u00e1 mzda se zru\u0161\u00ed a da\u0148 se bude vypo\u010d\u00edt\u00e1vat jen z hrub\u00e9 mzdy. Pouze u poplatn\u00edk\u016f s m\u011bs\u00ed\u010dn\u00ed mzdou p\u0159esahuj\u00edc\u00ed zhruba 141 000 korun se p\u0159\u00edjmy<\/a> nad tuto hranici zdan\u00ed se sazbou 23 %. To znamen\u00e1, \u017ee by si zam\u011bstnanci v z\u00e1vislosti na v\u00fd\u0161i mzdy m\u011bs\u00ed\u010dn\u011b polep\u0161ili i o n\u011bkolik tis\u00edc korun. Rozd\u00edl mezi modelem z roku 2020 a n\u00e1vrhem pro rok 2021, pokud  bude schv\u00e1len, si m\u016f\u017eete spo\u010d\u00edtat zde<\/a>.<\/p>\n\n\n\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Hrub\u00e1 mzda (K\u010d)<\/strong><\/th>\n\u010cist\u00e1 mzda 2020<\/strong> (K\u010d)<\/strong><\/th>\n\u010cist\u00e1 mzda 2021<\/strong> (K\u010d)<\/strong><\/th>\nRozd\u00edl (K\u010d)<\/strong><\/th>\n<\/tr>\n<\/thead>\n
15 000<\/td>\n12 409<\/td>\n13 420<\/td>\n+ 1 011<\/td>\n<\/tr>\n
20 000<\/td>\n15 856<\/td>\n17 120<\/td>\n+ 1 254<\/td>\n<\/tr>\n
25 000<\/td>\n19 302<\/td>\n20 820<\/td>\n+ 1 518<\/td>\n<\/tr>\n
30 000<\/td>\n22 749<\/td>\n24 520<\/td>\n+ 1 771<\/td>\n<\/tr>\n
40 000<\/td>\n29 642<\/td>\n31 920<\/td>\n+ 2 278<\/td>\n<\/tr>\n
50 000<\/td>\n36 535<\/td>\n39 320<\/td>\n+ 2 785<\/td>\n<\/tr>\n
60 000<\/td>\n43 428<\/td>\n46 720<\/td>\n+ 3 292<\/td>\n<\/tr>\n
80 000<\/td>\n57 214<\/td>\n61 520<\/td>\n+ 4 306<\/td>\n<\/tr>\n
100 000<\/td>\n71 000<\/td>\n76 320<\/td>\n+ 5 320<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
V\u00fdpo\u010det nezohled\u0148uje po\u010det d\u011bt\u00ed a p\u0159\u00edpadn\u00e9 slevy (ZTP\/P, invalidn\u00ed d\u016fchod, sleva na dani na studenta).
Zdroj: Kalkula\u010dka Aktu\u00e1ln\u011b.cz<\/figcaption>\n<\/figure>\n\n\n\n
<\/div><\/div>\n\n\n\n

Pen\u00edze nav\u00edc vyu\u017eijte s rozmyslem<\/strong><\/h2>\n\n\n\n

Pokud n\u00e1vrh na zru\u0161en\u00ed superhrub\u00e9 mzdy \u00fasp\u011b\u0161n\u011b projde schvalovac\u00edm procesem, pot\u011b\u0161\u00ed v\u00e1s u\u017e od p\u0159\u00ed\u0161t\u00edho roku ka\u017ed\u00fd m\u011bs\u00edc na v\u00fdplatn\u00ed p\u00e1sce vy\u0161\u0161\u00ed \u010d\u00e1stka<\/strong>. Nav\u00fd\u0161en\u00ed mzdy m\u016f\u017eete pojmout jako p\u0159\u00edle\u017eitost k vytvo\u0159en\u00ed finan\u010dn\u00ed rezervy na hor\u0161\u00ed \u010dasy. \u0158ada lid\u00ed v \u010cesku toti\u017e st\u00e1le \u017eije \u201eod v\u00fdplaty k v\u00fdplat\u011b\u201c bez finan\u010dn\u00edho pol\u0161t\u00e1\u0159e pro p\u0159\u00edpad neo\u010dek\u00e1van\u00fdch v\u00fddaj\u016f. Proto si pen\u00edze nav\u00edc d\u00e1vejte stranou<\/a>, abyste v p\u0159\u00edpad\u011b nouze m\u011bli kam s\u00e1hnout.<\/p>\n\n\n\n

Odborn\u00edci rad\u00ed, \u017ee optim\u00e1ln\u00ed je si ka\u017ed\u00fd m\u011bs\u00edc odkl\u00e1dat 10 % \u010dist\u00e9 mzdy<\/strong>. Tak\u017ee pokud berete 25 000 korun, m\u011bli byste se sna\u017eit u\u0161et\u0159it alespo\u0148 2 500 korun. Tuto \u010d\u00e1stku si m\u016f\u017eete pos\u00edlat t\u0159eba na spo\u0159ic\u00ed \u00fa\u010det, kter\u00fd v\u00e1m pen\u00edze m\u00edrn\u011b zhodnot\u00ed. <\/p>\n\n\n\n

Nebo si ji ukl\u00e1dejte do stavebn\u00edho spo\u0159en\u00ed, abyste z\u00edskali st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek<\/strong>, kter\u00fd \u010din\u00ed 10 % z naspo\u0159en\u00e9 \u010d\u00e1stky. Maxim\u00e1ln\u00ed v\u00fd\u0161e p\u0159\u00edsp\u011bvku je 2 000 korun, tak\u017ee pokud naspo\u0159\u00edte 20 000 korun a v\u00edce, z\u00edsk\u00e1te ho v pln\u00e9 v\u00fd\u0161i. P\u0159\u00edpadn\u011b si m\u016f\u017eete po\u0159\u00eddit Dluhopis Republiky, u kter\u00e9ho z\u00edsk\u00e1te n\u00e1sleduj\u00edc\u00edch 6 let po koupi \u00farok 0,5 % nad inflaci. Nebo, pokud jste dosud sv\u00fdm p\u0159\u00edjmem nap\u0159\u00edklad nedos\u00e1hli na hypot\u00e9ku<\/a>, je \u010das to zkusit znovu.<\/p>\n\n\n\n

\"Co
Pen\u00edze nav\u00edc berte jako p\u0159\u00edle\u017eitost k vytvo\u0159en\u00ed finan\u010dn\u00edho pol\u0161t\u00e1\u0159e.<\/figcaption><\/figure>\n\n\n\n

Nevych\u00e1z\u00edte? Zrevidujte sv\u00e9 v\u00fddaje<\/h2>\n\n\n\n

Pokud se v\u00e1m dlouhodob\u011b neda\u0159\u00ed s pen\u011bzi vyj\u00edt, m\u016f\u017ee b\u00fdt na vin\u011b tak\u00e9 zp\u016fsob, jak\u00fdm s nimi nakl\u00e1d\u00e1te. Jste zvykl\u00ed po v\u00fdplat\u011b h\u00fd\u0159it a na konci m\u011bs\u00edce po\u010d\u00edt\u00e1te ka\u017edou korunu? Ud\u011blejte si inventuru pravideln\u00fdch v\u00fddaj\u016f<\/strong>, kter\u00e1 v\u00e1m pom\u016f\u017ee odhalit, kam se va\u0161e v\u00fdplata ka\u017ed\u00fd m\u011bs\u00edc rozkut\u00e1l\u00ed. To by bylo, abyste neobjevili polo\u017eky, za kter\u00e9 pravideln\u011b utr\u00e1c\u00edte, ale p\u0159itom se bez nich s klidem obejdete.<\/p>\n\n\n

TIP!<\/div>
Srovnejte dom\u00e1c\u00ed rozpo\u010det do lat\u011b. Porad\u00edme v\u00e1m, jak na to.<\/a><\/b><\/div><\/div>\n\n\n\n

Ob\u010das se ale m\u016f\u017ee st\u00e1t, \u017ee v\u00e1s p\u0159ed v\u00fdplatou p\u0159ekvap\u00ed v\u011bt\u0161\u00ed v\u00fddaj, kter\u00fd zkr\u00e1tka nesnese odkladu<\/strong>. Pokud v\u00e1m chyb\u00ed hotovost, sna\u017ete se vyhnout r\u00e1doby v\u00fdhodn\u00fdm p\u016fj\u010dk\u00e1m p\u0159ed v\u00fdplatou<\/a>, kter\u00e9 zdaleka nejsou tak f\u00e9rov\u00e9, jak se na prvn\u00ed pohled m\u016f\u017ee zd\u00e1t. Chytr\u00e9 \u0159e\u0161en\u00ed nab\u00edz\u00ed odlo\u017een\u00e1 platba<\/a>, kter\u00e1 v\u00e1m umo\u017en\u00ed nakoupit hned a zaplatit kdykoliv do 30 dn\u016f<\/a>. To v\u0161e z pohodl\u00ed domova, zcela zdarma, bez zadlu\u017eov\u00e1n\u00ed a z\u00e1ludn\u00fdch pozn\u00e1mek pod \u010darou.<\/p>\n\n\n

\"Ne\u010dekan\u00e9<\/a><\/figure>\n
\"Ne\u010dekan\u00e9<\/a><\/figure>\n\n\n

Odlo\u017eenou platbu ale nemus\u00edte vyu\u017e\u00edvat pouze v \u201enouzov\u00fdch\u201c situac\u00edch. M\u016f\u017ee v\u00e1m slou\u017eit tak\u00e9 jako efektivn\u00ed n\u00e1stroj, d\u00edky kter\u00e9mu budete m\u00edt p\u0159ehled o sv\u00fdch online n\u00e1kupech<\/strong>. V Z\u00e1kaznick\u00e9 z\u00f3n\u011b Skip Pay nebo p\u0159ehledn\u00e9 mobiln\u00ed aplikaci si jedn\u00edm kliknut\u00edm zobraz\u00edte sv\u00e9 n\u00e1kupy i term\u00edny, kdy je pot\u0159eba je uhradit.<\/p>\n\n\n\n

Za ka\u017ed\u00fd proveden\u00fd n\u00e1kup<\/a> v\u00e1m nav\u00edc p\u0159id\u00e1me body, kter\u00e9 m\u016f\u017eete vym\u011bnit za zaj\u00edmav\u00e9 v\u00fdhody a slevy<\/a>. A pokud chcete nakupovat a\u017e do v\u00fd\u0161e 50 000 korun<\/strong>, m\u016f\u017eete si u n\u00e1s z\u0159\u00eddit bal\u00ed\u010dek MAXI se Skip Pay kartou<\/a>, kterou m\u016f\u017eete vyu\u017e\u00edt i v kamenn\u00fdch obchodech.<\/p>\n","protected":false},"excerpt":{"rendered":"

Rok 2020 byl n\u00e1ro\u010dn\u00fd pro v\u0161echny. I proto z\u00e1konod\u00e1rci p\u0159ipravili da\u0148ov\u00fd bal\u00ed\u010dek, jeho\u017e sou\u010d\u00e1st\u00ed je tak\u00e9 n\u00e1vrh na zru\u0161en\u00ed superhrub\u00e9 mzdy a sn\u00ed\u017een\u00ed da\u0148ov\u00e9 z\u00e1t\u011b\u017ee zam\u011bstnanc\u016f. Pokud bude schv\u00e1len, polep\u0161\u00ed si \u010de\u0161t\u00ed zam\u011bstnanci a\u017e o n\u011bkolik des\u00edtek tis\u00edc korun ro\u010dn\u011b. Zjist\u011bte, jak da\u0148ov\u00e1 \u00faprava ovlivn\u00ed va\u0161i mzdu, a p\u0159e\u010dt\u011bte si na\u0161e tipy, jak s pen\u011bzi nav\u00edc nalo\u017eit.<\/p>\n","protected":false},"author":6,"featured_media":2471,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,39,24],"class_list":["post-2473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-prijmy-a-vydaje","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\nV\u00fdpo\u010det \u010dist\u00e9 mzdy pro rok 2021. O kolik si polep\u0161\u00edte? | Skip Pay<\/title>\n<meta name=\"description\" content=\"D\u00edky navrhovan\u00e9mu zru\u0161en\u00ed superhrub\u00e9 mzdy si \u010de\u0161t\u00ed zam\u011bstnanci polep\u0161\u00ed. Zjist\u011bte, o kolik pen\u011bz v\u00edce p\u0159ibyde ka\u017ed\u00fd m\u011bs\u00edc na \u00fa\u010dtu v\u00e1m. \ud83d\udcb0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/vypocet-ciste-mzdy-2021-o-kolik-si-polepsite\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u00fdpo\u010det \u010dist\u00e9 mzdy pro rok 2021. O kolik si polep\u0161\u00edte? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"D\u00edky navrhovan\u00e9mu zru\u0161en\u00ed superhrub\u00e9 mzdy si \u010de\u0161t\u00ed zam\u011bstnanci polep\u0161\u00ed. Zjist\u011bte, o kolik pen\u011bz v\u00edce p\u0159ibyde ka\u017ed\u00fd m\u011bs\u00edc na \u00fa\u010dtu v\u00e1m. \ud83d\udcb0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/vypocet-ciste-mzdy-2021-o-kolik-si-polepsite\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-22T09:00:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-25T13:41:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/12\/zruseni_superhrube_mzdy.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1568\" \/>\n\t<meta property=\"og:image:height\" content=\"1045\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/vypocet-ciste-mzdy-2021-o-kolik-si-polepsite\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/vypocet-ciste-mzdy-2021-o-kolik-si-polepsite\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"V\u00fdpo\u010det \u010dist\u00e9 mzdy pro rok 2021. 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