{"id":140268,"date":"2026-08-03T00:52:12","date_gmt":"2026-08-03T00:52:12","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/140268\/"},"modified":"2026-08-03T00:52:12","modified_gmt":"2026-08-03T00:52:12","slug":"na-ucet-cinkne-viac-penazi-stat-v-roku-2027-zvysi-klucovu-davku-dostanu-ju-statisice-slovakov","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/140268\/","title":{"rendered":"Na \u00fa\u010det „cinkne“ viac pe\u0148az\u00ed. \u0160t\u00e1t v roku 2027 zv\u00fd\u0161i k\u013e\u00fa\u010dov\u00fa d\u00e1vku. Dostan\u00fa ju st\u00e1tis\u00edce Slov\u00e1kov"},"content":{"rendered":"

Slovensk\u00ed d\u00f4chodcovia sa v bud\u00facom roku znovu do\u010dkaj\u00fa nav\u00fd\u0161enia svojich penzi\u00ed<\/a>. O ko\u013eko presne si polep\u0161ia, bude z\u00e1visie\u0165 od v\u00fdvoja spotrebite\u013esk\u00fdch cien, no u\u017e teraz s\u00fa k dispoz\u00edcii prv\u00e9 odhady, s ktor\u00fdmi mo\u017eno pracova\u0165 pri modelov\u00fdch prepo\u010dtoch. Presn\u00fd v\u00fdpo\u010det je pomerne jednoduch\u00fd, pri\u010dom cel\u00fa administrat\u00edvu zabezpe\u010d\u00ed \u0161t\u00e1t, p\u00ed\u0161e<\/a> Finsider. Nie je teda potrebn\u00e9 pod\u00e1va\u0165 ak\u00e9ko\u013evek \u017eiadosti, v\u0161etko d\u00f4le\u017eit\u00e9 by sa malo upravi\u0165 automaticky.<\/p>\n

Uvid\u00edme, ako dopadne septembrov\u00e1 infl\u00e1cia<\/p>\n

Presn\u00e9 percento valoriz\u00e1cie na rok 2027 teda zatia\u013e nepozn\u00e1me. K\u013e\u00fa\u010dov\u00fdm ukazovate\u013eom bude takzvan\u00e1 d\u00f4chodcovsk\u00e1 infl\u00e1cia, teda priemern\u00fd medziro\u010dn\u00fd rast cien v dom\u00e1cnostiach d\u00f4chodcov za prv\u00fdch 9 mesiacov tohto roka.<\/p>\n

\u0160tatistick\u00fd \u00farad zverej\u0148uje tieto d\u00e1ta postupne, pri\u010dom posledn\u00fd potrebn\u00fd \u00fadaj (za september 2026) bude k dispoz\u00edcii a\u017e v okt\u00f3bri. Doteraj\u0161ie odhady sa v\u0161ak pohybuj\u00fa v rozmedz\u00ed od 3,6 percenta do 3,7 percenta. Prepo\u010dty, ktor\u00e9 n\u00e1jdete ni\u017e\u0161ie, zostavil Finsider, pri\u010dom pracoval so scen\u00e1rom na \u00farovni 3,7 percenta.<\/p>\n

No aj ke\u010f sa kone\u010dn\u00e9 \u010d\u00edslo m\u00f4\u017ee posun\u00fa\u0165 o jednu \u010di viac desat\u00edn percenta, v\u00fdsledn\u00e1 hodnota sa zrejme nebude ma\u0165 \u010faleko o odhadu. Napr\u00edklad zmena o 0,1 percentu\u00e1lneho bodu pri d\u00f4chodku vo v\u00fd\u0161ke 800 eur sprav\u00ed rozdiel pribli\u017ene 80 centov mesa\u010dne.<\/p>\n

Ako funguje v\u00fdpo\u010det?<\/p>\n

Princ\u00edp percentu\u00e1lnej valoriz\u00e1cie znamen\u00e1, \u017ee hoci je percento zv\u00fd\u0161enia pre v\u0161etk\u00fdch rovnak\u00e9, finan\u010dn\u00fd pr\u00edrastok v eur\u00e1ch sa l\u00ed\u0161i v z\u00e1vislosti od v\u00fd\u0161ky poberan\u00e9ho d\u00f4chodku. Je to v z\u00e1sade jednoduch\u00e9 a logick\u00e9. Ak pober\u00e1te d\u00f4chodok napr\u00edklad vo v\u00fd\u0161ke 500 eur, pri valoriz\u00e1cii o 3,7 percenta si prilep\u0161\u00edte o asi 18,50 eura mesa\u010dne. Pri d\u00f4chodku vo v\u00fd\u0161ke 1 000 eur p\u00f4jde o n\u00e1rast o asi 37 eur, taktie\u017e mesa\u010dne.<\/p>\n

Postup prepo\u010dtu pozost\u00e1va z troch krokov. S\u00fa\u010dasn\u00e1 mesa\u010dn\u00e1 suma sa vyn\u00e1sob\u00ed koeficientom 1,037 (\u010do zodpoved\u00e1 n\u00e1rastu o 3,7 percenta). Dosiahnut\u00fd v\u00fdsledok tvor\u00ed nov\u00fa v\u00fd\u0161ku d\u00f4chodku. Odpo\u010d\u00edtan\u00edm p\u00f4vodnej sumy dostaneme mesa\u010dn\u00fd rozdiel a jeho vyn\u00e1soben\u00edm \u010d\u00edslom 12 z\u00edskame celkov\u00fd ro\u010dn\u00fd pr\u00edrastok.<\/p>\n

Mesa\u010dn\u00fd aj ro\u010dn\u00fd n\u00e1rast pri r\u00f4znych v\u00fd\u0161kach d\u00f4chodku ukazuje nasleduj\u00faca tabu\u013eka:<\/p>\n

S\u00fa\u010dasn\u00fd d\u00f4chodokNov\u00fd d\u00f4chodok (pri 3,7 %)Mesa\u010dn\u00e9 zv\u00fd\u0161enieRo\u010dn\u00e9 zv\u00fd\u0161enie500,00 eur518,50 eura18,50 eura222,00 eur600,00 eur622,20 eura22,20 eura266,40 eura700,00 eur725,90 eura25,90 eura310,80 eura800,00 eur829,60 eura29,60 eura355,20 eura900,00 eur933,30 eura33,30 eura399,60 eura1 000,00 eur1 037,00 eura37,00 eura444,00 euraZdroj: Finsider<\/p>\n

Ve\u013emi d\u00f4le\u017eit\u00fdm detailom pri v\u00fdpo\u010dte je aj sp\u00f4sob zaokr\u00fah\u013eovania. Kone\u010dn\u00e1 suma d\u00f4chodku sa nezaokr\u00fah\u013euje be\u017en\u00fdm pravidlom, ale v\u017edy nahor na najbli\u017e\u0161\u00edch 10 centov. Pokia\u013e teda presn\u00fd prepo\u010det vyjde napr\u00edklad na 671,21 eura, v\u00fdsledn\u00e1 suma po zaokr\u00fahlen\u00ed bude 671,30 eura.\u00a0<\/p>\n

Ak v\u00fdpo\u010det vyjde presne na okr\u00fahlu sumu, \u010falej sa u\u017e nezvy\u0161uje. Je potrebn\u00e9 zaokr\u00fah\u013eova\u0165 a\u017e fin\u00e1lnu nov\u00fa sumu, nie samostatn\u00e9 percentu\u00e1lne zv\u00fd\u0161enie, aby nedo\u0161lo ku skresleniu v\u00fdsledkov.<\/p>\n

Ako to funguje v praxi?<\/p>\n

Dajme tomu, \u017ee pober\u00e1te d\u00f4chodok 647,30 eura. Po pripo\u010d\u00edtan\u00ed 3,7 percenta je v\u00fdsledok 671,2501 eura. Po povinnom zaokr\u00fahlen\u00ed nahor bude Soci\u00e1lna pois\u0165ov\u0148a<\/a> vypl\u00e1ca\u0165 671,30 eura. D\u00f4chodca tak z\u00edska mesa\u010dne o 24 eur viac, \u010do v ro\u010dnom s\u00fa\u010dte predstavuje 288 eur.<\/p>\n

Ak m\u00e1te d\u00f4chodok 812 eura, matematick\u00fd prepo\u010det vych\u00e1dza na 842,4588 eura. Po upraven\u00ed nahor sa nov\u00e1 suma zaokr\u00fahli na 842,50 eura. Mesa\u010dn\u00fd n\u00e1rast tak v tomto pr\u00edpade dosiahne 30,10 eura, ro\u010dn\u00fd a\u017e 361,20 eura.<\/p>\n

\"Peniaze,<\/p>\n

\t\tIlustr. obr. | Zdroj: Depositphotos<\/a><\/p>\n

No \u010do ak m\u00e1te s\u00fabeh starobn\u00e9ho a vdovsk\u00e9ho d\u00f4chodku? Ak pober\u00e1te viacero d\u00f4chodkov\u00fdch d\u00e1vok s\u00fa\u010dasne, n\u00e1roky sa pred valoriz\u00e1ciou nes\u010d\u00edtavaj\u00fa. Inak povedan\u00e9, ka\u017ed\u00e1 d\u00e1vka sa posudzuje a zvy\u0161uje samostatne. Ak \u010derp\u00e1te starobn\u00fd d\u00f4chodok 760,20 eura a vdovsk\u00fd d\u00f4chodok 215,50 eura, starobn\u00fd d\u00f4chodok sa po valoriz\u00e1cii zv\u00fd\u0161i na 788,40 eura a vdovsk\u00fd na 223,50 eura. V\u00fdsledn\u00fd kombinovan\u00fd pr\u00edjem teda bude 1 011,90 eura, \u010do znamen\u00e1 celkov\u00e9 mesa\u010dn\u00e9 prilep\u0161enie o 36,20 eura.<\/p>\n

Minim\u00e1lny d\u00f4chodok a exek\u00facie<\/p>\n

Pokia\u013e ide o minim\u00e1lny d\u00f4chodok, pri tom sa nepou\u017e\u00edva jednoduch\u00fd n\u00e1sobok minim\u00e1lnej garantovanej sumy. Soci\u00e1lna pois\u0165ov\u0148a najsk\u00f4r valorizuje takzvan\u00fd z\u00e1sluhov\u00fd d\u00f4chodok (vypo\u010d\u00edtan\u00fd z odpracovan\u00fdch rokov a z\u00e1robkov). Tento zv\u00fd\u0161en\u00fd z\u00e1sluhov\u00fd d\u00f4chodok n\u00e1sledne porovn\u00e1 s novou garantovanou sumou minim\u00e1lneho d\u00f4chodku, pri\u010dom vyplat\u00ed t\u00fa hodnotu, ktor\u00e1 je vy\u0161\u0161ia.<\/p>\n

V pr\u00edpade exeku\u010dn\u00fdch zr\u00e1\u017eok sa valoriza\u010dn\u00e9 percento uplat\u0148uje na cel\u00fa priznan\u00fa hrub\u00fa sumu d\u00f4chodku pred zr\u00e1\u017ekou. Po zv\u00fd\u0161en\u00ed z\u00e1kladn\u00e9ho d\u00f4chodku pois\u0165ov\u0148a znova prepo\u010d\u00edta v\u00fd\u0161ku exeku\u010dnej zr\u00e1\u017eky, tak\u017ee \u010das\u0165 zv\u00fd\u0161enia m\u00f4\u017ee ukroji\u0165 upraven\u00e1 exek\u00facia.<\/p>\n

Kedy a ako pr\u00eds\u0165 k vy\u0161\u0161\u00edm penzi\u00e1m?<\/p>\n

Je nutn\u00e9 zd\u00f4razni\u0165, \u017ee zv\u00fd\u0161enie sa vz\u0165ahuje na v\u0161etky druhy d\u00f4chodkov, teda starobn\u00e9, pred\u010dasn\u00e9 starobn\u00e9, invalidn\u00e9, vdovsk\u00e9, vdoveck\u00e9 aj sirotsk\u00e9. T\u00fdka sa aj nov\u00fdch penzi\u00ed priznan\u00fdch v priebehu dan\u00e9ho roka.<\/p>\n

Cel\u00fd proces, ako bolo spomenut\u00e9, prebehne automaticky. D\u00f4chodcovia nemusia pod\u00e1va\u0165 \u017eiadne \u017eiadosti ani chodi\u0165 na pobo\u010dky Soci\u00e1lnej pois\u0165ovne. Zv\u00fd\u0161en\u00e1 suma bude vyplaten\u00e1 v obvyklom janu\u00e1rovom term\u00edne. S\u00fa\u010das\u0165ou tejto transakcie bude aj doplatok za obdobie od 1. janu\u00e1ra do d\u0148a predch\u00e1dzaj\u00faceho v\u00fdplatn\u00e9mu term\u00ednu (ak m\u00e1 niekto term\u00edn napr\u00edklad 18. janu\u00e1ra, dostane doplatok za prv\u00fdch 17 dn\u00ed).<\/p>\n

Soci\u00e1lna pois\u0165ov\u0148a z\u00e1rove\u0148 ka\u017ed\u00e9mu adres\u00e1tovi doru\u010d\u00ed ofici\u00e1lne p\u00edsomn\u00e9 rozhodnutie. Je d\u00f4le\u017eit\u00e9 ho d\u00f4sledne skontrolova\u0165, hlavne si overi\u0165 p\u00f4vodn\u00fa sumu, pou\u017eit\u00e9 percento aj v\u00fdsledn\u00e9 zaokr\u00fahlenie. V pr\u00edpade nezrovnalost\u00ed, ktor\u00e9 nevych\u00e1dzaj\u00fa zo zaokr\u00fah\u013eovania \u010di s\u00fabehu d\u00e1vok, je mo\u017en\u00e9 po\u017eiada\u0165 pois\u0165ov\u0148u o vysvetlenie alebo sa proti rozhodnutiu odvola\u0165.<\/p>\n","protected":false},"excerpt":{"rendered":"Slovensk\u00ed d\u00f4chodcovia sa v bud\u00facom roku znovu do\u010dkaj\u00fa nav\u00fd\u0161enia svojich penzi\u00ed. O ko\u013eko presne si polep\u0161ia, bude z\u00e1visie\u0165…\n","protected":false},"author":2,"featured_media":140269,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[6],"tags":[14959,2951,228,7600,43,40,44,39,42,45,41,696,5021,32087,3366],"class_list":["post-140268","post","type-post","status-publish","format-standard","has-post-thumbnail","category-slovensko","tag-davka","tag-dochodok","tag-peniaze","tag-penzia","tag-sk","tag-slovak","tag-slovak-republic","tag-slovakia","tag-slovencina","tag-slovenska-republika","tag-slovensko","tag-socialna-poistovna","tag-stat","tag-valorizacia","tag-zvysenie"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117028844052496126","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/140268","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=140268"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/140268\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/140269"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=140268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=140268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=140268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}