{"id":1424,"date":"2019-08-13T20:00:00","date_gmt":"2019-08-13T20:00:00","guid":{"rendered":"https:\/\/money2022.localhost\/novinky-a-tipy\/osvc-duchod-staci-zalohy-socialni-zabezpeceni-rozumne-penize-ve-stari\/"},"modified":"2023-02-01T15:07:45","modified_gmt":"2023-02-01T14:07:45","slug":"osvc-duchod-staci-zalohy-socialni-zabezpeceni-rozumne-penize-ve-stari","status":"publish","type":"post","link":"https:\/\/money.cz\/novinky-a-tipy\/dane\/osvc-duchod-staci-zalohy-socialni-zabezpeceni-rozumne-penize-ve-stari\/","title":{"rendered":"OSV\u010c d\u016fchod: jak se vypo\u010d\u00edt\u00e1 a z \u010deho se po\u010d\u00edtaj\u00ed z\u00e1lohy?"},"content":{"rendered":"<p>Pr\u016fm\u011brn\u00fd d\u016fchod v \u010cesk\u00e9 republice je v\u00edce ne\u017e <strong>13&nbsp;000 korun<\/strong>. To nen\u00ed z\u00e1vratn\u00e1 \u010d\u00e1stka. Jako podnikatel s pr\u016fm\u011brn\u00fdm ziskem a s minim\u00e1ln\u00edmi odvody na soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed na tom ale m\u016f\u017eete b\u00fdt i mnohem h\u016f\u0159.<\/p>\n<p>Pro\u010d? Proto\u017ee minim\u00e1ln\u00ed odvody na soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed se nepo\u010d\u00edtaj\u00ed z p\u0159\u00edjm\u016f ani z da\u0148ov\u00e9ho z\u00e1kladu. Po\u010d\u00edtaj\u00ed se z <strong>vym\u011b\u0159ovac\u00edho z\u00e1kladu<\/strong>, co\u017e je polovina da\u0148ov\u00e9ho z\u00e1kladu. Nap\u0159\u00edklad p\u0159i ro\u010dn\u00edch p\u0159\u00edjmech 600&nbsp;000&nbsp;K\u010d a v\u00fddaj\u00edch 60&nbsp;% z p\u0159\u00edjm\u016f (360&nbsp;000&nbsp;K\u010d) je da\u0148ov\u00fd z\u00e1klad 240&nbsp;000&nbsp;K\u010d.<\/p>\n<p>Vym\u011b\u0159ovac\u00ed z\u00e1klad, ze kter\u00e9ho se po\u010d\u00edt\u00e1 soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, je jeho polovina, tedy <strong>120&nbsp;000&nbsp;K\u010d<\/strong>. D\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed se tak po\u010d\u00edt\u00e1 z \u010d\u00e1stky, kter\u00e1 odpov\u00edd\u00e1 mzd\u011b 10 000 K\u010d m\u011bs\u00ed\u010dn\u011b (120 000\/12). A to nen\u00ed ani minim\u00e1ln\u00ed mzda.<\/p>\n<p>P\u0159i v\u00fdpo\u010dtu starobn\u00edho d\u016fchodu pro OSV\u010c se vych\u00e1z\u00ed ze <strong>dvou krit\u00e9ri\u00ed<\/strong>:<\/p>\n<ul>\n<li>doby poji\u0161t\u011bn\u00ed (po\u010det let, za kter\u00e9 jste odv\u00e1d\u011bli z\u00e1lohy)<\/li>\n<li>a ro\u010dn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu za uplynul\u00e9 roky podnik\u00e1n\u00ed.<\/li>\n<\/ul>\n<h2>\u010c\u00edm d\u00e9le odv\u00e1d\u00edte soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed a \u010d\u00edm vy\u0161\u0161\u00ed m\u00e1te vym\u011b\u0159ovac\u00ed z\u00e1klad, ze kter\u00e9ho se po\u010d\u00edtaj\u00ed minim\u00e1ln\u00ed z\u00e1lohy, t\u00edm vy\u0161\u0161\u00ed budete m\u00edt d\u016fchod.<\/h2>\n<p>Chcete vy\u0161\u0161\u00ed d\u016fchod? Nesta\u010d\u00ed platit v\u00edce, mus\u00edte si zv\u00fd\u0161it vym\u011b\u0159ovac\u00ed z\u00e1klad<br \/>\nPro hlavn\u00ed v\u00fdd\u011ble\u010dnou \u010dinnost z\u00e1kon stanovuje minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad, kter\u00fd je na \u00farovn\u00ed 25&nbsp;% pr\u016fm\u011brn\u00e9 hrub\u00e9 mzdy. Pro rok 2019 je to \u010d\u00e1stka <strong>8&nbsp;175&nbsp;K\u010d<\/strong>. Minim\u00e1ln\u00ed ro\u010dn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad se vypo\u010d\u00edt\u00e1 vyn\u00e1soben\u00edm t\u00e9to \u010d\u00e1stky po\u010dtem m\u011bs\u00edc\u016f, kdy jste vykon\u00e1vali samostatn\u011b v\u00fdd\u011ble\u010dnou \u010dinnost.<\/p>\n<p>V\u00fd\u0161e z\u00e1loh na d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed se po\u010d\u00edt\u00e1 z vym\u011b\u0159ovac\u00edho z\u00e1kladu, kter\u00fd uvedete v P\u0159ehledu o p\u0159\u00edjmech a v\u00fddaj\u00edch pro Spr\u00e1vu soci\u00e1ln\u00edho zabezpe\u010den\u00ed. Existuj\u00ed t\u0159i mo\u017enosti:<\/p>\n<ul>\n<li>V\u00e1\u0161 vym\u011b\u0159ovac\u00ed z\u00e1klad je <strong>ni\u017e\u0161\u00ed<\/strong> ne\u017e minim\u00e1ln\u00ed, proto pou\u017eijete minim\u00e1ln\u00ed.<\/li>\n<li>V\u00e1\u0161 vym\u011b\u0159ovac\u00ed z\u00e1klad je <strong>vy\u0161\u0161\u00ed<\/strong> ne\u017e minim\u00e1ln\u00ed, pou\u017eijete sv\u016fj vym\u011b\u0159ovac\u00ed z\u00e1klad.<\/li>\n<li>Uvedete vy\u0161\u0161\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad, ze kter\u00e9ho vzejdou vy\u0161\u0161\u00ed z\u00e1lohy a t\u00edm p\u00e1dem vy\u0161\u0161\u00ed d\u016fchod.<\/li>\n<\/ul>\n<p>Z\u00e1lohy v\u017edy vych\u00e1zej\u00ed z vym\u011b\u0159ovac\u00edho z\u00e1kladu. Jedinou cestou, jak si tedy zv\u00fd\u0161it d\u016fchodov\u00e9 z\u00e1lohy a sv\u016fj budouc\u00ed starobn\u00ed d\u016fchod, je vy\u0161\u0161\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad.<\/p>\n<p>V\u00fdpo\u010det d\u016fchodu pak m\u016f\u017ee vypadat n\u011bjak takto:<\/p>\n<table width=\"100%\">\n<tbody>\n<tr>\n<th rowspan=\"2\">Hrub\u00fd zisk<\/th>\n<th rowspan=\"2\">Osobn\u00ed vym\u011b\u0159ovac\u00ed<br \/>\nz\u00e1klad<\/th>\n<th class=\"text-center\" colspan=\"4\">M\u011bs\u00ed\u010dn\u00ed d\u016fchod dle doby poji\u0161t\u011bn\u00ed<\/th>\n<\/tr>\n<tr>\n<th class=\"text-center\">36 let<\/th>\n<th class=\"text-center\">39 let<\/th>\n<th class=\"text-center\">42 let<\/th>\n<th class=\"text-center\">45 let<\/th>\n<\/tr>\n<tr>\n<td>200 000 K\u010d<\/td>\n<td>8 333 K\u010d<\/td>\n<td>7 200 K\u010d<\/td>\n<td>7 575 K\u010d<\/td>\n<td>7 950 K\u010d<\/td>\n<td>8 325 K\u010d<\/td>\n<\/tr>\n<tr>\n<td>230 000 K\u010d<\/td>\n<td>9 583 K\u010d<\/td>\n<td>7 875 K\u010d<\/td>\n<td>8 307 K\u010d<\/td>\n<td>8 738 K\u010d<\/td>\n<td>9 169 K\u010d<\/td>\n<\/tr>\n<tr>\n<td>260 000 K\u010d<\/td>\n<td>10 833 K\u010d<\/td>\n<td>8 550 K\u010d<\/td>\n<td>9 038 K\u010d<\/td>\n<td>9 525 K\u010d<\/td>\n<td>10 013 K\u010d<\/td>\n<\/tr>\n<tr>\n<td>290 000 K\u010d<\/td>\n<td>12 083 K\u010d<\/td>\n<td>9 225 K\u010d<\/td>\n<td>9 769 K\u010d<\/td>\n<td>10 313 K\u010d<\/td>\n<td>10 857 K\u010d<\/td>\n<\/tr>\n<tr>\n<td>320 000 K\u010d<\/td>\n<td>13 333 K\u010d<\/td>\n<td>9 844 K\u010d<\/td>\n<td>10 439 K\u010d<\/td>\n<td>11 034 K\u010d<\/td>\n<td>11 629 K\u010d<\/td>\n<\/tr>\n<tr>\n<td>350 000 K\u010d<\/td>\n<td>14 583 K\u010d<\/td>\n<td>10 019 K\u010d<\/td>\n<td>10 629 K\u010d<\/td>\n<td>11 239 K\u010d<\/td>\n<td>11 849 K\u010d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>V\u00fdpo\u010det po\u010d\u00edt\u00e1 s t\u00edm, \u017ee hrub\u00fd zisk byl ve v\u0161ech letech na \u00farovni hrub\u00e9ho zisku v roce odchodu do d\u016fchodu. Zdroj: investujeme.cz<\/p>\n<p>Pokud si stanov\u00edte v p\u0159ehledu <strong>vy\u0161\u0161\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad<\/strong>, doplat\u00edte n\u00e1sledn\u011b pojistn\u00e9, kter\u00e9 odpov\u00edd\u00e1 rozd\u00edlu mezi pojistn\u00fdm vypl\u00fdvaj\u00edc\u00edm z tohoto z\u00e1kladu a zaplacen\u00fdmi z\u00e1lohami.<\/p>\n<p>Pokud si takto pl\u00e1nujete zv\u00fd\u0161it vym\u011b\u0159ovac\u00ed z\u00e1klad, m\u016f\u017eete za\u010d\u00edt platit vy\u0161\u0161\u00ed z\u00e1lohy okam\u017eit\u011b. P\u0159eplatky oproti aktu\u00e1ln\u011b stanoven\u00fdm z\u00e1loh\u00e1m se p\u0159ipo\u010d\u00edtaj\u00ed k posledn\u00edmu m\u011bs\u00edci, ve kter\u00e9m v tom roce vedete samostatn\u011b v\u00fdd\u011ble\u010dnou \u010dinnost (typicky prosinec), a uvedou se v \u00fahrnu plateb.<br \/>\n<link rel=\"stylesheet\" href=\"https:\/\/money.cz\/novinky-a-tipy\/wp-content\/themes\/money-blog\/shortcodes\/smartmailing-email-registration\/form.min.css\" \/>\n<script type=\"text\/javascript\">\n    var smFormInterval = null;\n\n    jQuery(document).ready(function() {\n        jQuery(\".shortcode-smartmailing-form .fheader p a.info\").click(function(e) {  \n            e.preventDefault();\n\n            \/*if (jQuery(\".shortcode-smartmailing-form .smart-disclaimer\").is(\":visible\"))\n            {\n                jQuery(\".shortcode-smartmailing-form .smart-disclaimer\").hide();\n            }\n            else\n            {\n                jQuery(\".shortcode-smartmailing-form .smart-disclaimer\").show();\n            }*\/\n\n            return false;\n        });\n\n        jQuery(\"#shortcodeSmartmailingForm\").submit(function(e) {\n            e.preventDefault();\n            return false;\n        });\n\n        jQuery(\"#shortcodeSmartmailingForm button[type='submit']\").click(function(e) {\n            e.preventDefault();\n            \n            var email = jQuery(\"#shortcodeSmartmailingForm_email\").val();\n\n            if (email.length == 0)\n            {\n                alert(\"Pros\u00edm zadejte v\u00e1\u0161 e-mail.\");\n                return false;\n            }\n            if (!shortcodeSmartmailingForm_validateEmail(email))\n            {\n                alert(\"Zadan\u00fd e-mail m\u00e1 neplatn\u00fd form\u00e1t.\");\n                return false;\n            }\n\n            jQuery.ajax({\n                url: \"\/novinky-a-tipy\/wp-content\/themes\/money-blog\/shortcodes\/smartmailing-email-registration\/service.php\",\n                type: \"POST\",\n                dataType: \"text\",\n                cache: false,\n                data: {\n                    \"email\": email,\n                    \"stdc\": jQuery(\"#shortcodeSmartmailingForm_stdc\").val(),\n                    \"current_url\": jQuery(\"#shortcodeSmartmailingForm_url\").val(),\n                    \"current_referrer\": jQuery(\"#shortcodeSmartmailingForm_referrer\").val()\n                }\n            }).done(function (response, textStatus, jqXHR)\n            {\n                jQuery(\".shortcodeSmartmailingForm_email\").hide();\n                jQuery(\"#shortcodeSmartmailingForm_submit\").hide();\n                jQuery(\"#shortcodeSmartmailingForm .smart-disclaimer\").hide();\n                jQuery(\"#shortcodeSmartmailingForm .success\").show();\n\t\t\t\tdataLayer.push({'event': 'newsletterSubscription', 'newsletterPosition': 'intext'});\n            }).fail(function( jqXHR, textStatus, errorThrown ) {\n                jQuery(\".shortcodeSmartmailingForm_email\").hide();\n                jQuery(\"#shortcodeSmartmailingForm_submit\").hide();\n                jQuery(\"#shortcodeSmartmailingForm .smart-disclaimer\").hide();\n                jQuery(\"#shortcodeSmartmailingForm .success\").show();\n            });\n\n            return false;\n        });\n    });\n\n    function shortcodeSmartmailingForm_validateEmail(email)\n    {\n        var re = \/^(([^<>()[\\]\\\\.,;:\\s@\\\"]+(\\.[^<>()[\\]\\\\.,;:\\s@\\\"]+)*)|(\\\".+\\\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\n        return re.test(email);\n    }\n<\/script>\n<form method=\"post\" id=\"shortcodeSmartmailingForm\" class=\"shortcode-smartmailing-form\" action=\"\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/1424\">\n\n    <div>\n        <div class=\"fheader\">\n            <h3>\n                Dopl\u0148te si mezery v dan\u00edch a \u00fa\u010detnictv\u00ed            <\/h3>\n            <div class=\"se-text\">\n                <p>\n                    P\u0159ihlaste se k n\u011bkolikad\u00edln\u00e9mu e-mailov\u00e9mu seri\u00e1lu a z\u00edskejte to nejlep\u0161\u00ed z blogu Money.cz.                    <a class=\"info\" title=\"E-maily v\u00e1m budou zas\u00edl\u00e1ny maxim\u00e1ln\u011b dvakr\u00e1t do m\u011bs\u00edce. Z odb\u011bru se m\u016f\u017eete kdykoliv odhl\u00e1sit.\">info<\/a>\n                <\/p>\n            <\/div>\n        <\/div>\n\n        <div class=\"ffooter\">\n            <div class=\"se-body\">\n                <input type=\"text\" id=\"shortcodeSmartmailingForm_email\" placeholder=\"Zadejte v\u00e1\u0161 e-mail\" \/>\n                <input type=\"hidden\" id=\"shortcodeSmartmailingForm_stdc\" value=\"S1\">\n                <input type=\"hidden\" id=\"shortcodeSmartmailingForm_url\" value=\"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/1424\">\n                <input type=\"hidden\" id=\"shortcodeSmartmailingForm_referrer\" value=\"\">\n\n                <div class=\"se-submit\">\n                    <button type=\"submit\" id=\"shortcodeSmartmailingForm_submit\" value=\"Chci b\u00fdt v obraze\">Chci b\u00fdt v obraze<\/button>\n                                          <p class=\"mlctr success\" style=\"display: none;\">D\u011bkujeme, <strong>zkontrolujte Va\u0161i e-mailovou schr\u00e1nku<\/strong> pro potvrzen\u00ed odb\u011bru.<\/p>\n                                    <\/div>\n            <\/div>\n                          <p class=\"smart-disclaimer\">Odesl\u00e1n\u00edm souhlas\u00edte s na\u0161imi\n                <a href=\"https:\/\/money.cz\/ochrana-osobnich-udaju\/#zzvou\" target=\"_blank\">z\u00e1sadami pro zpracov\u00e1n\u00ed osobn\u00edch \u00fadaj\u016f<\/a>.\n              <\/p>\n                    <\/div>\n    <\/div>\n<\/form><br \/>\nP\u0159eplatek v\u0161ak nebude m\u00edt \u017e\u00e1dn\u00fd vliv na v\u00fd\u0161i starobn\u00edho d\u016fchodu. P\u0159eplatky \u00fa\u0159ad vyu\u017eije na \u00fahradu p\u0159\u00edpadn\u00fdch pohled\u00e1vek nebo na platbu z\u00e1loh do budoucna.<\/p>\n<p>M\u011bs\u00ed\u010dn\u00ed z\u00e1lohy se p\u0159itom plat\u00ed v\u017edy za aktu\u00e1ln\u00ed m\u011bs\u00edc od prvn\u00edho do posledn\u00edho dne m\u011bs\u00edce (toto je novinka od roku 2019, do t\u00e9 doby se z\u00e1lohy platily zp\u011btn\u011b).<\/p>\n<p>Vid\u00edte, \u017ee ani v\u00fdrazn\u00e9 zv\u00fd\u0161en\u00ed vym\u011b\u0159ovac\u00edho z\u00e1kladu nezaru\u010d\u00ed velk\u00e9 zv\u00fd\u0161en\u00ed vypo\u010d\u00edtan\u00e9ho d\u016fchodu. Zva\u017ete tedy, jestli se v\u00e1m vyplat\u00ed vy\u0161\u0161\u00ed z\u00e1lohy na d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed a jestli nen\u00ed lep\u0161\u00ed cesta investovat do n\u011bkter\u00e9ho z investi\u010dn\u00edch produkt\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pr\u016fm\u011brn\u00fd d\u016fchod v \u010cesk\u00e9 republice je v\u00edce ne\u017e 13&nbsp;000 korun. To nen\u00ed z\u00e1vratn\u00e1 \u010d\u00e1stka. Jako podnikatel s pr\u016fm\u011brn\u00fdm ziskem a s minim\u00e1ln\u00edmi odvody na soci\u00e1ln\u00ed &#8230;<\/p>\n","protected":false},"author":2,"featured_media":1425,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","inline_featured_image":false,"footnotes":""},"categories":[12,8],"tags":[52,75],"class_list":["post-1424","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dan-z-prijmu-fyzickych-osob","category-dane","tag-osoba-samostatne-vydelecne-cinna-osvc","tag-socialni-a-zdravotni-pojisteni"],"acf":[],"_links":{"self":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/1424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/comments?post=1424"}],"version-history":[{"count":1,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/1424\/revisions"}],"predecessor-version":[{"id":3824,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/1424\/revisions\/3824"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/media\/1425"}],"wp:attachment":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/media?parent=1424"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/categories?post=1424"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/tags?post=1424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}