{"id":35688,"date":"2026-03-25T21:26:11","date_gmt":"2026-03-25T21:26:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/35688\/"},"modified":"2026-03-25T21:26:11","modified_gmt":"2026-03-25T21:26:11","slug":"jaky-duchod-vas-ceka-pokud-cely-zivot-vydelavate-prumernou-mzdu-aktualni-propocet-pro-rok-2026","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/35688\/","title":{"rendered":"Jak\u00fd d\u016fchod v\u00e1s \u010dek\u00e1, pokud cel\u00fd \u017eivot vyd\u011bl\u00e1v\u00e1te pr\u016fm\u011brnou mzdu: Aktu\u00e1ln\u00ed propo\u010det pro rok 2026"},"content":{"rendered":"

Pohled na penzi se tak z\u00a0v\u00fd\u0161e zm\u00edn\u011bn\u00fdch d\u016fvod\u016f st\u00e1v\u00e1
\nnezbytnou sou\u010d\u00e1st\u00ed finan\u010dn\u00ed gramotnosti. Ka\u017ed\u00fd pracuj\u00edc\u00ed \u010cech by m\u011bl
\nv\u011bd\u011bt, jak si budouc\u00ed p\u0159\u00edsp\u011bvek spo\u010d\u00edtat podle sv\u00e9 mzdy. My jsme v\u00fd\u0161i
\nd\u016fchodu spo\u010d\u00edtali na pr\u016fm\u011brn\u00e9 v\u00fdplat\u011b z\u00a0roku\u00a02026.<\/p>\n


\n
\n <\/a>P\u0159i pob\u00edr\u00e1n\u00ed pr\u016fm\u011brn\u00e9 mzdy si dnes senior p\u0159ijde i na pr\u016fm\u011brn\u00fd d\u016fchod
\n , …<\/p>\n

Pr\u016fm\u011brn\u00e1 mzda, pr\u016fm\u011brn\u00fd d\u016fchod<\/p>\n

Pr\u016fm\u011brn\u00e1 mzda v\u00a0\u010cesk\u00e9 republice pro rok
\n2026\u00a0dos\u00e1hla hodnoty 48\u00a0967\u00a0K\u010d. Pro mnoho \u010cech\u016f je tato hrub\u00e1
\n\u010d\u00e1stka standardem, pro jin\u00e9 naopak meta, kter\u00e9 by cht\u011bli je\u0161t\u011b p\u0159ed
\nodchodem do penze dos\u00e1hnout.\u00a0<\/p>\n

Pokud by \u010dlov\u011bk pob\u00edral pr\u016fm\u011brnou mzdu po v\u011bt\u0161inu sv\u00e9
\nkari\u00e9ry (tedy jej\u00ed historick\u00e9 ekvivalenty) a\u017e dodnes a chystal se
\nv\u00a0leto\u0161n\u00edm roce na odchod do d\u016fchodu, pravideln\u00fd starobn\u00ed d\u016fchod
\nby se pohyboval okolo 22\u00a0770\u00a0K\u010d.<\/p>\n

Tato \u010d\u00e1stka se skl\u00e1d\u00e1 ze dvou slo\u017eek. Tou prvn\u00ed je z\u00e1kladn\u00ed
\nv\u00fdm\u011bra, kter\u00e1 je pro v\u0161echny stejn\u00e1. V\u00a0roce 2026\u00a0\u010din\u00ed 4\u00a0900\u00a0korun.
\nDruhou slo\u017ekou je v\u00fdm\u011bra procentn\u00ed. Pr\u00e1v\u011b ta ur\u010duje v\u00fd\u0161i d\u016fchodu a
\nvych\u00e1z\u00ed z\u00a0toho, kolik m\u00e1te odpracovan\u00fdch let a jak\u00e9 v\u00fdd\u011blky jste
\nv\u00a0minulosti m\u011bli. P\u0159i z\u00edsk\u00e1n\u00ed 45\u00a0let poji\u0161t\u011bn\u00ed (co\u017e je ide\u00e1ln\u00ed stav
\npro pln\u00fd d\u016fchod) tvo\u0159\u00ed tato z\u00e1sluhov\u00e1 \u010d\u00e1st zbytek cel\u00e9 sumy starobn\u00edho
\nd\u016fchodu.<\/p>\n

\u0160ok, nebo plynul\u00fd p\u0159echod?<\/p>\n

Velk\u00fdm probl\u00e9mem p\u0159i p\u0159echodu do d\u016fchodu je pom\u011brn\u011b velk\u00fd
\npropad p\u0159\u00edjm\u016f z\u00a0m\u011bs\u00edce na m\u011bs\u00edc. Jde o\u00a0takzvan\u00fd n\u00e1hradov\u00fd pom\u011br.
\nPokud si op\u011bt vezmeme kup\u0159\u00edkladu pr\u016fm\u011brnou hrubou mzdu 48\u00a0967\u00a0K\u010d,
\n\u010dist\u00e1 mzda je u\u00a0bezd\u011btn\u00e9ho zam\u011bstnance p\u0159ibli\u017en\u011b 39\u00a0tis\u00edc korun.
\nJeho d\u016fchod v\u0161ak \u010din\u00ed necel\u00fdch 23\u00a0tis\u00edc korun.
\nTo p\u0159edstavuje jen zhruba 58\u00a0% \u010dist\u00e9ho p\u0159\u00edjmu.<\/p>\n

V\u00a0praxi to znamen\u00e1, \u017ee hned v\u00a0den odchodu do d\u016fchodu
\nmus\u00ed \u010dlov\u011bk s\u00a0t\u00edmto r\u00e1zn\u00fdm propadem p\u0159\u00edjm\u016f po\u010d\u00edtat.
\nJe vhodn\u00e9 se na n\u011bj p\u0159ipravit bu\u010fto sn\u00ed\u017een\u00edm pravideln\u00fdch v\u00fddaj\u016f a
\nn\u00e1rok\u016f na \u017eivot, p\u0159\u00edpadn\u011b dostate\u010dn\u011b velk\u00fdm finan\u010dn\u00edm pol\u0161t\u00e1\u0159em.
\nP\u0159ed odchodem do d\u016fchodu nastane v\u00a0budoucnu u\u00a0v\u011bt\u0161iny lid\u00ed situace, kdy
\ndoplat\u00ed hypot\u00e9ku a budou bydlet ve sv\u00e9m bez dluhu. To cel\u00fd p\u0159echod velmi
\nusnadn\u00ed. Pokud \u010dlov\u011bk nem\u00e1 hypote\u010dn\u00ed \u00fav\u011br, m\u011bl by pom\u011brnou \u010d\u00e1st
\nukl\u00e1dat nap\u0159\u00edklad na d\u016fchodov\u00e9 spo\u0159en\u00ed.<\/p>\n


\n
\n <\/a>\u010c\u00edm vy\u0161\u0161\u00ed p\u0159\u00edjmy za \u017eivota a pozd\u011bj\u0161\u00ed odchod do d\u016fchodu, t\u00edm vy\u0161\u0161\u00ed je i renta
\n , …<\/p>\n

Pozor na chyby, kter\u00e9 mohou d\u016fchod sn\u00ed\u017eit<\/p>\n

Mnoho lid\u00ed se spol\u00e9h\u00e1 na to, \u017ee st\u00e1t m\u00e1 v\u0161echno
\nv\u00a0elektronick\u00e9 evidenci. Realita je v\u0161ak zejm\u00e9na u\u00a0star\u0161\u00edch ro\u010dn\u00edk\u016f
\n\u00fapln\u011b jin\u00e1. Nej\u010dast\u011bj\u0161\u00ed chybou jsou tak \u201ed\u00edry\u201c v\u00a0evidenci
\n\u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed (\u010cSSZ). M\u016f\u017ee se
\nnap\u0159\u00edklad st\u00e1t, \u017ee chyb\u00ed doklad o\u00a0vojensk\u00e9 slu\u017eb\u011b, studiu nebo p\u00e9\u010di
\no\u00a0bl\u00edzkou osobu. Ka\u017ed\u00fd takov\u00fd rok pak m\u016f\u017ee z\u00a0m\u011bs\u00ed\u010dn\u00ed penze umazat
\ni\u00a0n\u011bkolik set korun. Za dvacet let v\u00a0d\u016fchodu tak \u010dlov\u011bk p\u0159ijde dohromady
\ni\u00a0o\u00a0statis\u00edce.\u00a0<\/p>\n

Dal\u0161\u00edm rizikem je pr\u00e1ce na\u010derno nebo \u0161patn\u011b
\nnastaven\u00e9 dohody o\u00a0proveden\u00ed pr\u00e1ce (DPP). Na to by m\u011bly ji\u017e dnes myslet
\ni\u00a0mlad\u0161\u00ed ro\u010dn\u00edky. Pokud pracujete na\u010derno nebo na dohodu, kterou
\nzam\u011bstnavatel nedolo\u017e\u00ed \u010cSSZ, tyto roky se v\u00e1m do d\u016fchodu v\u016fbec
\nnezapo\u010d\u00edt\u00e1vaj\u00ed. M\u016f\u017ee se tak snadno st\u00e1t, \u017ee pokud t\u00edmto zp\u016fsobem
\nbudete pracovat t\u0159eba polovinu dosp\u011bl\u00e9ho \u017eivota, v\u00a065\u00a0letech zjist\u00edte,
\n\u017ee nem\u00e1te n\u00e1rok na \u017e\u00e1dn\u00fd d\u016fchod, proto\u017ee nespl\u0148ujete podm\u00ednku 35\u00a0let
\npoji\u0161t\u011bn\u00ed.<\/p>\n

Velice nev\u00fdhodn\u00fd je dnes i\u00a0p\u0159ed\u010dasn\u00fd
\nd\u016fchod. Pokud odejdete do penze o\u00a0t\u0159i roky d\u0159\u00edve, m\u016f\u017ee v\u00e1s to
\nst\u00e1t i\u00a0v\u00edce ne\u017e 3\u00a0tis\u00edce korun m\u011bs\u00ed\u010dn\u011b. Tady je d\u016fle\u017eit\u00e9 myslet na
\nto, \u017ee toto rozhodnut\u00ed ovlivn\u00ed v\u00fd\u0161i d\u016fchodu po zbytek va\u0161eho
\n\u017eivota.\u00a0<\/p>\n

Existuj\u00ed naopak zp\u016fsoby, jak si p\u0159ilep\u0161it. Pokud po dosa\u017een\u00ed
\nd\u016fchodov\u00e9ho v\u011bku d\u00e1l pracujete a nepob\u00edr\u00e1te d\u016fchod, va\u0161e penze roste
\no\u00a01,5\u00a0% za ka\u017ed\u00fdch 90\u00a0dn\u00ed. Sta\u010d\u00ed rok pr\u00e1ce nav\u00edc a starobn\u00ed d\u016fchod
\nm\u016f\u017ee b\u00fdt ka\u017ed\u00fd m\u011bs\u00edc vy\u0161\u0161\u00ed i\u00a0o\u00a0v\u00edce ne\u017e tis\u00edc korun.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Pohled na penzi se tak z\u00a0v\u00fd\u0161e zm\u00edn\u011bn\u00fdch d\u016fvod\u016f st\u00e1v\u00e1 nezbytnou sou\u010d\u00e1st\u00ed finan\u010dn\u00ed gramotnosti. Ka\u017ed\u00fd pracuj\u00edc\u00ed \u010cech by m\u011bl…\n","protected":false},"author":2,"featured_media":35689,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[67,68,9887,883,1064],"class_list":{"0":"post-35688","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-byznys","8":"tag-business","9":"tag-byznys","10":"tag-duchody","11":"tag-finance","12":"tag-prace"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116291933509358834","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/35688","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=35688"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/35688\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/35689"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=35688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=35688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=35688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}