{"id":47795,"date":"2026-04-07T10:26:08","date_gmt":"2026-04-07T10:26:08","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/47795\/"},"modified":"2026-04-07T10:26:08","modified_gmt":"2026-04-07T10:26:08","slug":"nejvyssi-duchod-v-cesku-je-ctvrt-milionu-da-se-na-nej-jeste-dosahnout","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/47795\/","title":{"rendered":"Nejvy\u0161\u0161\u00ed d\u016fchod v\u00a0\u010cesku je \u010dtvrt milionu. D\u00e1 se na n\u011bj je\u0161t\u011b dos\u00e1hnout?"},"content":{"rendered":"

Pr\u016fm\u011brn\u00fd starobn\u00ed d\u016fchod je nyn\u00ed skoro 22\u00a0tis\u00edc korun. Nejv\u00edce lid\u00ed, zhruba milion z\u00a0celkov\u00fdch 2,3\u00a0milionu starobn\u00edch d\u016fchodc\u016f, pob\u00edr\u00e1 penzi v\u00a0rozmez\u00ed od 16\u00a0do 21\u00a0tis\u00edc korun m\u011bs\u00ed\u010dn\u011b. V\u00a0d\u016fchodov\u00e9 statistice \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed (\u010cSSZ) je ale mo\u017en\u00e9 naj\u00edt i \u201esnov\u00e9\u201c penze.<\/p>\n

Ke konci roku 2025\u00a0vypl\u00e1cela soci\u00e1ln\u00ed spr\u00e1va 102\u00a0lidem m\u011bs\u00ed\u010dn\u00ed d\u016fchod vy\u0161\u0161\u00ed ne\u017e 70\u00a0tis\u00edc korun. Z\u00a0toho je jeden mimo\u0159\u00e1dn\u00fd\u00a0\u2013 kolem \u010dtvrt milionu korun. Zji\u0161\u0165ovali jsme u\u00a0\u010cSSZ, jak se d\u00e1 k\u00a0tak vysok\u00e9mu d\u016fchodu dopracovat, a\u00a0zda je to v\u00a0sou\u010dasn\u00fdch podm\u00ednk\u00e1ch je\u0161t\u011b v\u016fbec mo\u017en\u00e9.<\/p>\n

Jak se po\u010d\u00edt\u00e1 d\u016fchod<\/p>\n

Abychom na tyto ot\u00e1zky mohli odpov\u011bd\u011bt, mus\u00edme zn\u00e1t alespo\u0148 orienta\u010dn\u011b zp\u016fsob v\u00fdpo\u010dtu d\u016fchod\u016f. Ten je slo\u017eit\u00fd, ale zjednodu\u0161en\u011b \u0159e\u010deno: v\u00fd\u0161e penze z\u00e1vis\u00ed na tom, jak dlouho jste pracovali a\u00a0jak\u00e9 v\u00fdd\u011blky, ze kter\u00fdch jste platili soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, jste m\u011bli.<\/p>\n

V\u0161echny tyto pr\u016fm\u011brn\u00e9 m\u011bs\u00ed\u010dn\u00ed v\u00fdd\u011blky se se\u010dtou, a\u00a0aby v\u00e1m je nesebrala inflace a\u00a0r\u016fst pr\u016fm\u011brn\u00e9 mzdy, p\u0159epo\u010d\u00edtaj\u00ed se za ka\u017ed\u00fd kalend\u00e1\u0159n\u00ed rok takzvan\u00fdm koeficientem n\u00e1r\u016fstu. Ten zajist\u00ed, aby se v\u00fd\u0161e p\u0159\u00edjm\u016f v\u00a0jednotliv\u00fdch letech bl\u00ed\u017eila re\u00e1ln\u00e9 hodnot\u011b v\u00a0roce, kdy o\u00a0d\u016fchod po\u017e\u00e1d\u00e1te.<\/p>\n

T\u00edm z\u00edsk\u00e1te osobn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad. Ten se n\u00e1sledn\u011b uprav\u00ed je\u0161t\u011b reduk\u010dn\u00edmi hranicemi. V\u00a0sou\u010dasn\u00e9 dob\u011b existuj\u00ed dv\u011b reduk\u010dn\u00ed hranice. Pro \u00fa\u010dely \u010dl\u00e1nku nen\u00ed pot\u0159eba vysv\u011btlovat, jak se vym\u011b\u0159ovac\u00ed z\u00e1klad p\u0159esn\u011b hranicemi upravuje, sta\u010d\u00ed napsat, \u017ee pokud je vym\u011b\u0159ovac\u00ed z\u00e1klad vy\u0161\u0161\u00ed, ne\u017e je druh\u00e1 reduk\u010dn\u00ed hranice (kter\u00e1 je 4n\u00e1sobek pr\u016fm\u011brn\u00e9 mzdy, letos tedy 195\u00a0868\u00a0korun), tak u\u017e p\u0159i v\u00fdpo\u010dtu d\u016fchodu nehraje roli a\u00a0nezapo\u010d\u00edt\u00e1v\u00e1 se. Tak\u017ee i\u00a0kdy\u017e budete m\u00edt vym\u011b\u0159ovac\u00ed z\u00e1klad milion, budete na tom stejn\u011b jako ten s\u00a0necel\u00fdmi dv\u011bma sty tis\u00edci.<\/p>\n

V\u00edce o\u00a0tom, jak funguj\u00ed reduk\u010dn\u00ed hranice<\/a><\/p>\n

Osobn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad pon\u00ed\u017een\u00fd reduk\u010dn\u00edmi hranicemi p\u0159edstavuje v\u00fdpo\u010dtov\u00fd z\u00e1klad. A\u00a0ten se vyn\u00e1sob\u00ed koeficientem za odpracovan\u00e9 roky. Za ka\u017ed\u00fd rok z\u00edskan\u00e9 doby poji\u0161t\u011bn\u00ed se nyn\u00ed nov\u011b po\u010d\u00edt\u00e1 1,495\u00a0procenta v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu. Je\u0161t\u011b do konce roku 2025\u00a0to ale bylo 1,5\u00a0procenta. Pro jednodu\u0161\u0161\u00ed p\u0159\u00edklad pou\u017eijeme tento star\u0161\u00ed koeficient: pokud jste tedy z\u00edskali 45\u00a0let poji\u0161t\u011bn\u00ed, tak procentn\u00ed v\u00fdm\u011bra va\u0161eho loni p\u0159iznan\u00e9ho d\u016fchodu by byla 67,5\u00a0procenta (45\u00d71,5) z\u00a0v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu. K\u00a0tomu se pak je\u0161t\u011b p\u0159i\u010detla z\u00e1kladn\u00ed v\u00fdm\u011bra d\u016fchodu, kter\u00e1 je pro v\u0161echny stejn\u00e1.<\/p>\n

\u201eU b\u011b\u017en\u011b vym\u011b\u0159en\u00e9ho starobn\u00edho d\u016fchodu v\u00a0roce 2025\u00a0by \u010dlov\u011bk s\u00a0nadpr\u016fm\u011brn\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem a\u00a049\u00a0odpracovan\u00fdmi lety dos\u00e1hl na maxim\u00e1ln\u00ed starobn\u00ed d\u016fchod \u201epouze\u201c kolem 51\u00a0tis\u00edc korun,\u201c vysv\u011btluje mluv\u010d\u00ed \u010cSSZ Jitka Drmolov\u00e1.<\/p>\n

D\u016fchod se v\u00a0minulosti po\u010d\u00edtal jinak<\/p>\n

Ale zp\u011bt ke \u010dtvrtmilionov\u00e9mu d\u016fchodu. D\u016fvodem, pro\u010d u\u017e dnes nikdo tak vysok\u00fd d\u016fchod nez\u00edsk\u00e1, jsou pr\u00e1v\u011b p\u0159edev\u0161\u00edm nyn\u00ed platn\u00e9 reduk\u010dn\u00ed hranice. Ty ale neplatily v\u017edy.<\/p>\n

Do konce roku 2007\u00a0se po\u010d\u00edtaly do d\u016fchodu v\u0161echny p\u0159\u00edjmy, z\u00a0nich\u017e se odv\u00e1d\u011blo d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed, a\u0165 byly jak\u00e9koliv. Neexistoval maxim\u00e1ln\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad. Ten se zavedl od roku 2008\u00a0a\u00a0\u010din\u00ed 48n\u00e1sobek pr\u016fm\u011brn\u00e9 mzdy (dnes jde o\u00a0\u010d\u00e1stku 2\u00a0350\u00a0416\u00a0korun), kdy nad tuto hranici se z\u00a0p\u0159\u00edjm\u016f u\u017e neplat\u00ed pojistn\u00e9 a\u00a0tud\u00ed\u017e se nepo\u010d\u00edtaj\u00ed do d\u016fchodu. T\u00edm se vym\u011b\u0159ovac\u00ed z\u00e1klad \u201ebohat\u00fdch\u201c \u017eadatel\u016f o\u00a0d\u016fchod o\u00a0dost sni\u017euje. <\/p>\n

Tak\u00e9 v\u00a0minulosti platily jin\u00e9 reduk\u010dn\u00ed hranice. Do konce roku 2014\u00a0existovaly t\u0159i a\u00a0i nad t\u0159et\u00ed reduk\u010dn\u00ed hranici se v\u00fdd\u011blky \u010d\u00e1ste\u010dn\u011b zapo\u010d\u00edt\u00e1valy. Na sou\u010dasn\u00e9 dv\u011b se p\u0159e\u0161lo od roku 2015\u00a0a\u00a0d\u016fchod se vypo\u010d\u00edt\u00e1v\u00e1 podle nich.<\/p>\n

Reduk\u010dn\u00ed hranice hraj\u00ed dost z\u00e1sadn\u00ed roli pr\u00e1v\u011b u\u00a0takzvan\u00fdch vysokop\u0159\u00edjmov\u00fdch poji\u0161t\u011bnc\u016f, nebo\u0165 jejich vysok\u00e9 p\u0159\u00edjmy p\u0159i v\u00fdpo\u010dtu d\u016fchodu sn\u00ed\u017e\u00ed. \u201ePro v\u00fdpo\u010det starobn\u00edho d\u016fchodu jsou tedy z\u00e1sadn\u00ed zejm\u00e9na tyto dv\u011b okolnosti\u00a0\u2013 za jak\u00fdch pr\u00e1vn\u00edch podm\u00ednek vznikne n\u00e1rok na starobn\u00ed d\u016fchod a\u00a0k jak\u00e9mu datu je tento d\u016fchod vypo\u010dten,\u201c vysv\u011btluje Jitka Drmolov\u00e1.<\/p>\n

Zm\u011bny ve v\u00fdpo\u010dtu d\u016fchodu<\/p>\n

Uk\u00e1zka v\u00fd\u0161e \u00fahrnu pojistn\u00e9ho (za zam\u011bstnance i\u00a0za zam\u011bstnavatele), kter\u00e9 byly odvedeny z\u00a0vysok\u00e9ho p\u0159\u00edjmu poji\u0161t\u011bnce ve v\u00fd\u0161i 150\u00a0milion\u016f korun ro\u010dn\u011b v\u00a0roce 2007\u00a0a\u00a0n\u00e1sledn\u011b v\u00a0roce 2008, kdy za\u010dal platit maxim\u00e1ln\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad (48n\u00e1sobek pr\u016fm\u011brn\u00e9 mzdy). T\u00edm se p\u0159estaly do d\u016fchodu zapo\u010d\u00edt\u00e1vat v\u00fdd\u011blky nad tento limit.<\/p>\n

V\u00fdd\u011blek – 150\u00a0milion\u016f korun<\/p>\n

z toho pojistn\u00e9 pro pot\u0159eby d\u016fchodu v\u00a0roce 2007 – 51\u00a0milion\u016f korunz toho pojistn\u00e9 pro pot\u0159eby d\u016fchodu v\u00a0roce 2008 (po zm\u011bn\u011b pravidel) – 351\u00a0860\u00a0korunLid\u00e9 s\u00a0vy\u0161\u0161\u00edm d\u016fchodem \u201ep\u0159esluhuj\u00ed\u201c<\/p>\n

Starobn\u00ed d\u016fchod je obvykle p\u0159izn\u00e1v\u00e1n ke dni n\u00e1roku na n\u011bj, tedy dosa\u017een\u00edm d\u016fchodov\u00e9ho v\u011bku a\u00a0z\u00edsk\u00e1n\u00edm pot\u0159ebn\u00e9 doby poji\u0161t\u011bn\u00ed\u00a0\u2013 dnes 35\u00a0let. Poji\u0161t\u011bnec ale m\u016f\u017ee zvolit i\u00a0datum pozd\u011bj\u0161\u00ed, jde o\u00a0takzvan\u00fd odlo\u017een\u00fd d\u016fchod, a\u00a0to nej\u010dast\u011bji kv\u016fli pokra\u010duj\u00edc\u00edmu zam\u011bstn\u00e1n\u00ed. A\u00a0t\u00edm se mu d\u016fchod tak\u00e9 zvy\u0161uje.<\/p>\n

\u201ePokud poji\u0161t\u011bnec dos\u00e1hne d\u016fchodov\u00e9ho v\u011bku, ale o\u00a0d\u016fchod nepo\u017e\u00e1d\u00e1 a\u00a0d\u00e1l pracuje, jeho budouc\u00ed procentn\u00ed v\u00fdm\u011bra roste o\u00a01,5\u00a0% v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu za ka\u017ed\u00fdch 90\u00a0dn\u00ed takov\u00e9ho p\u0159esluhov\u00e1n\u00ed,\u201c \u0159\u00edk\u00e1 mluv\u010d\u00ed Drmolov\u00e1 a\u00a0dopl\u0148uje, \u017ee lid\u00e9 se sou\u010dasn\u00fdmi d\u016fchody nad 70\u00a0tis\u00edc korun m\u011bs\u00ed\u010dn\u011b obvykle pracovali o\u00a05\u00a0a\u017e 10\u00a0let d\u00e9le, ne\u017e museli.<\/p>\n

Pokud \u010cSSZ vypl\u00e1c\u00ed starobn\u00ed d\u016fchod v\u00a0p\u00e1smu nad 200\u00a0tis\u00edc korun, je to proto, \u017ee:<\/p>\n

\u0160lo o\u00a0d\u016fchod p\u0159iznan\u00fd podle pravidel platn\u00fdch p\u0159ed rokem 2015, kdy poji\u0161t\u011bnec dosahoval extr\u00e9mn\u011b vysok\u00fdch p\u0159\u00edjm\u016f, a\u00a0tedy i\u00a0vysok\u00fdch odvod\u016f na poji\u0161t\u011bn\u00ed zejm\u00e9na do roku 2007.\u00a0V\u00fdd\u011blky se tehdy po\u010d\u00edtaly i\u00a0nad 3.\u00a0reduk\u010dn\u00ed hranici.D\u016fchodce m\u011bl extr\u00e9mn\u011b vysok\u00e9 celo\u017eivotn\u00ed p\u0159\u00edjmy. I\u00a0p\u0159es reduk\u010dn\u00ed hranice hr\u00e1la roli v\u00fd\u0161e odvod\u016f na pojistn\u00e9m, zejm\u00e9na do roku 2007. \u201eVysok\u00e9 starobn\u00ed d\u016fchody m\u00edvaj\u00ed \u010dasto \u0161pi\u010dkov\u00ed mana\u017ee\u0159i nebo odborn\u00edci s\u00a0p\u0159\u00edjmy v\u00a0\u0159\u00e1dech n\u011bkolika des\u00edtek milion\u016f korun ro\u010dn\u011b po cel\u00e1 desetilet\u00ed jejich v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti,\u201c uv\u00e1d\u00ed Drmolov\u00e1.<\/a>\u0160lo o\u00a0odlo\u017een\u00fd d\u016fchod\u00a0\u2013 nav\u00fd\u0161en\u00ed si uk\u00e1\u017eeme na p\u0159\u00edkladu: Mu\u017e m\u011bl d\u016fchodov\u00fd v\u011bk 60\u00a0let, z\u00edskal 45\u00a0let poji\u0161t\u011bn\u00ed. Pokud si nechal starobn\u00ed d\u016fchod p\u0159iznat a\u017e v\u00a065\u00a0letech, z\u00edskal za 5\u00a0let p\u0159esluhov\u00e1n\u00ed 20\u00a0cel\u00fdch 90denn\u00edch obdob\u00ed (\u00e0 1,5 % v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu). Celkem by se mu tedy jeho starobn\u00ed d\u016fchod s\u00a0datem p\u0159izn\u00e1n\u00ed p\u0159ed rokem 2026\u00a0po\u010d\u00edtal jako 100,5 % v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu (67,5 % za v\u00fdd\u011ble\u010dnou \u010dinnost do d\u016fchodov\u00e9ho v\u011bku + 30\u00a0% za p\u0159esluhov\u00e1n\u00ed). Sou\u010dasn\u011b se do penze zapo\u010d\u00edtaly i\u00a0v\u00fdd\u011blky dosahovan\u00e9 po jeho d\u016fchodov\u00e9m v\u011bku.Valorizace se projevuje v\u00edce u\u00a0vysok\u00fdch d\u016fchod\u016f\u00a0\u2013 op\u011bt p\u0159\u00edklad: Valorizace procentn\u00edch v\u00fdm\u011br d\u016fchod\u016f k\u00a01.\u00a0lednu 2026\u00a0\u010dinila nav\u00fd\u0161en\u00ed o\u00a02,6\u00a0% – d\u016fchodci s\u00a0procentn\u00ed v\u00fdm\u011brou penze ve v\u00fd\u0161i 20\u00a0tis\u00edc korun se od ledna zv\u00fd\u0161ila na 20 520\u00a0(nav\u00fd\u0161en\u00ed o\u00a0520 korun). Ov\u0161em d\u016fchodce s\u00a0procentn\u00ed v\u00fdm\u011brou 150\u00a0tis\u00edc korun si polep\u0161il na 153\u00a0900\u00a0K\u010d (nav\u00fd\u0161en\u00ed o\u00a03\u00a0900\u00a0korun).<\/p>\n

Podm\u00ednky v\u00fdpo\u010dtu d\u016fchodu se tedy postupem \u010dasu m\u011bn\u00ed a\u00a0pr\u00e1v\u011b p\u0159\u00edsn\u011bj\u0161\u00ed pravidla posledn\u00edch v\u00edce ne\u017e jeden\u00e1cti let u\u017e raritn\u00ed d\u016fchody neumo\u017e\u0148uj\u00ed. \u201eV sou\u010dasnosti je p\u0159izn\u00e1n\u00ed starobn\u00edho d\u016fchodu ve v\u00fd\u0161i a\u017e 250\u00a0tis\u00edc korun ke dni vzniku n\u00e1roku s\u00a0ohledem na zastropov\u00e1n\u00ed pojistn\u00e9ho a\u00a0existenci pouze dvou reduk\u010dn\u00edch hranic prakticky nemo\u017en\u00e9,\u201c uzav\u00edr\u00e1 Jitka Drmolov\u00e1.<\/p>\n

D\u016fchody v\u00a0\u010cesku<\/p>\n

V \u010cesku existuj\u00ed \u010dty\u0159i druhy d\u016fchod\u016f. Pod\u00edvejte se na detaily o\u00a0ka\u017ed\u00e9m z\u00a0nich, a\u00a0to v\u010detn\u011b zp\u016fsobu, jak o\u00a0pen\u00edze po\u017e\u00e1dat.<\/p>\n","protected":false},"excerpt":{"rendered":"Pr\u016fm\u011brn\u00fd starobn\u00ed d\u016fchod je nyn\u00ed skoro 22\u00a0tis\u00edc korun. Nejv\u00edce lid\u00ed, zhruba milion z\u00a0celkov\u00fdch 2,3\u00a0milionu starobn\u00edch d\u016fchodc\u016f, pob\u00edr\u00e1 penzi…\n","protected":false},"author":2,"featured_media":47796,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[3421,17,21,16,1483,3834,3045,18,19,22,1482,20],"class_list":{"0":"post-47795","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-zpravy","8":"tag-duchod","9":"tag-headlines","10":"tag-hlavni-udalosti","11":"tag-news","12":"tag-odchod-do-duchodu","13":"tag-penze","14":"tag-stari","15":"tag-top-news","16":"tag-top-stories","17":"tag-udalosti-dne","18":"tag-valorizace-duchodu","19":"tag-zpravy"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116362948301793530","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/47795","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=47795"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/47795\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/47796"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=47795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=47795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=47795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}