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["én"]
[]
[]
[]
[]
[null,null,null,null,null,"Vševěd"]
[null,null,null,null,null,"verze 20, poslední aktualizace: 04.03.2014 08:30"]
[]
[]
[null,null,null,null,null,null,null,"Přehled produktů",null,null,"Výpočty"]

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[null,"číslo této verze",1]
[]
["VŽDY MUSÍ BÝT SEŘAZENO!!!!","soubor","aktuální verze","adresa nové verze"]
[1,"hypotéky pro fyzické osoby",53]
[2,"pojištění osob",49]
[3,"Vševěd 2003 Partneři - kontaktní osoby, produkty, informace",10]
[4,"penzijni spolecnosti",48]
[5,"akce - stavební spořitelny",2]
[6,"stavební spoření",60]
[7,"portalOVB",3]
[8,"statisticka data",4]
[9,"Pojištění úvěru (ztráta zaměstnání)",6]
[10,"investice",5]
[11,"vševěd",21]
[12,"pojištění vozidel",6]
[15,"uvery pro BD, SVJ, obce",14]
[14,"RFP",-50]
[15,"občanský majetek",4]
[16,"Duchodova kalkulacka",1]
[17,"Kalkulator_provizi",10]
[18,"kalkulatory",-1]
[19,"vypovedi",4]

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[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Důchod - věková kalkulačka r. 2012"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Starobní důchod za splnění podmínky standardní doby pojištění",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"zdroj: MPSV"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Datum narození",null,null,null,null,null,null,"1980-06-05"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jste žena?",null,null,null,null,null,null,"ne"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Počet dětí",null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Počet roků do důchodu",null,null,null,null,null,null,{"$f":"duchod!C61","v":32},null,null,null,null,null,null,null,null,"důchodový věk",{"$f":"duchod!C62& \" let\"","v":"67 let"},null,null,null,null,null,null,"vznik nároku",{"$f":"duchod!C63","v":"2047-12-05"}]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Důchod - výpočet výše důchodu r. 2012"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kalkulačku pro výpočet přesné výše důchodu je ke stažení na",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"stránkách MPSV.",null,null,null,null,null,"Tento výpočet je ovšem relevantní pouze pro osoby těsně před odchodem do důchodu. "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"U zbytku populace můžeme výši důchodu pouze odhadovat na základě výše a tendence náhradového poměru (poměr průměrného důchodu a průměrné hrubé mzdy)."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"V současné době (r. 2010) je náhradový poměr cca 40 %. Předpokládaný vývoj je takový, že by měl během dvaceti až třiceti let klesnout k hranici 30 %."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výše náhradového poměru se liší podle výše příjmu. Situace by měla po verdiktu ÚS o změně výpočtu důchodů od září  2011  vypadat VELICE ZJEDNODUŠENĚ následovně:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"hrubá",null,null,"náhradový",null,null,null,null,null,null,"Současná hrubá mzda",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30000,null,null,null,null,{"$f":"IF(OR(BE27>0.4,BE27<0.2),\"UPOZORNĚNÍ\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"mzda",null,null,"poměr (2011)",null,null,null,null,null,null,"Počet roků do důchodu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,null,null,null,null,{"$f":"IF(OR(BE27>0.4,BE27<0.2),\"Očekává se, že u většiny penzistů bude v horizontu dvaceti až třiceti let náhradový poměr mezi 20 % až 40 %, zadali jste náhradový poměr mimo tento rosah. Zvažte prosím jeho výši.\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000,null,null,0.5,null,null,null,null,null,null,"Předpokládaná průměrná inflace",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1.4999999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,40000,null,null,0.33,null,null,null,null,null,null,"Mzda valorizovaná o inflaci při odchodu do důchodu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BE23*((1+BE25)^BE24)","v":46892.406614725478}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,80000,null,null,0.25,null,null,null,null,null,null,"Náhradový poměr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.35,null,null,null,{"$f":"IF(BE23>80000,0.2,IF(BE23>40000,0.25,0.35))","v":0.35}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Předpokládaný ORIENTAČNÍ důchod",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BE26*BE27","v":16412.342315153917}]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"invalidni duchod",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MPSV, ale kalkulačka není"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpora v nezaměstnanosti r. 2012"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Průměrný čistý příjem",null,null,null,null,null,null,20000,null,null,null,null,null,"výplata",null,null,null,"do 50 let",null,null,null,"50 - 55 let",null,null,null,"nad 55 let",null,null,null,null,null,null,null,null,null,"Zdroj: zákon 435/2004 o zaměstnanosti, §43 odst. 1, §50 odst. 3 a 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1. měsíc",null,{"$f":"MIN(0.65*$AL$52,AL$54)","v":13000},null,null,null,{"$f":"MIN(0.65*$AL$52,AL$54)","v":13000},null,null,null,{"$f":"MIN(0.65*$AL$52,AL$54)","v":13000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max. výše pro rok 2012",null,null,null,null,null,null,13761,null,null,null,null,null,null,null,"2. měsíc",null,{"$f":"MIN(0.65*$AL$52,AL$54)","v":13000},null,null,null,{"$f":"MIN(0.65*$AL$52,AL$54)","v":13000},null,null,null,{"$f":"MIN(0.65*$AL$52,AL$54)","v":13000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3. měsíc",null,{"$f":"MIN(0.5*$AL$52,AL$54)","v":10000},null,null,null,{"$f":"MIN(0.5*$AL$52,AL$54)","v":10000},null,null,null,{"$f":"MIN(0.5*$AL$52,AL$54)","v":10000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4. měsíc",null,{"$f":"MIN(0.5*$AL$52,AL$54)","v":10000},null,null,null,{"$f":"MIN(0.5*$AL$52,AL$54)","v":10000},null,null,null,{"$f":"MIN(0.5*$AL$52,AL$54)","v":10000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5. měsíc",null,{"$f":"MIN(0.45*$AL$52,AL$54)","v":9000},null,null,null,{"$f":"MIN(0.45*$AL$52,AL$54)","v":9000},null,null,null,{"$f":"MIN(0.45*$AL$52,AL$54)","v":9000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"6. měsíc",null,null,null,null,null,{"$f":"MIN(0.45*$AL$52,AL$54)","v":9000},null,null,null,{"$f":"MIN(0.45*$AL$52,AL$54)","v":9000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"7. měsíc",null,null,null,null,null,{"$f":"MIN(0.45*$AL$52,AL$54)","v":9000},null,null,null,9000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8. měsíc",null,null,null,null,null,{"$f":"MIN(0.45*$AL$52,AL$54)","v":9000},null,null,null,9000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"9. měsíc",null,null,null,null,null,null,null,null,null,9000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10. měsíc",null,null,null,null,null,null,null,null,null,9000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"11. měsíc",null,null,null,null,null,null,null,null,null,9000]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"nahrada mzdy od zamestnavatele prvnich 21 dni",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"zdroj: MPSV"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nemocenská r. 2012",null,null,null,null,null,null,null,null,null,"předpoklad: 8 hodin pracovní den, 30 dnů v měsíci, 172 pracovních hodin v měsíci"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Průměrný hrubý příjem",null,null,null,null,null,null,20000,null,null,null,null,null,"první 3 dny:",null,null,null,null,null,null,null,null,null,null,0,null,null,"celkem za 1. měsíc:",null,null,null,null,null,null,null,{"$f":"18*BB99+9*BB100","v":13250.511627906977},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"zdroj: MPSV"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4. až 21. kalendářní den:",null,null,null,null,null,null,null,null,null,{"$f":"nemocenska!J38","v":558.1395348837209},null,null,null,"za každý následující měsíc:",null,null,null,null,null,null,null,{"$f":"30*BB100","v":10680}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"každý následující kalendářní den:",null,null,null,null,null,null,null,null,null,{"$f":"nemocenska!I20","v":356}]

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[]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ve výpočtech nejsou zohledněny daně ani poplatky"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zhodnocení / znehodnocení investic \n(pravidelných i jednorázových)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jaký bude nominál dnešní hodnoty?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Úročení vlastních zdrojů u produktů kde přispívá třetí strana (stát, zaměstnavatel, ..)"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jednorázový vklad na počátku",null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pravidelný měsíční vklad",null,null,null,null,null,null,null,null,null,null,null,1000,null,null,null,null,null,"Dnešní hodnota",null,null,null,null,null,null,null,null,null,null,null,15000,null,null,null,null,null,"Počet roků spoření",null,null,null,null,null,null,null,null,null,null,null,20]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Počet roků investování",null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,"Počet roků",null,null,null,null,null,null,null,null,null,null,null,30,null,null,null,null,null,"Vlastní měsíční vklad",null,null,null,null,null,null,null,null,null,null,null,1000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Průměrné roční zhodnocení",null,null,null,null,null,null,null,null,null,null,null,1.2347999999999999,null,null,null,null,null,"Inflace",null,null,null,null,null,null,null,null,null,null,null,0.02,null,null,null,null,null,"Měsíční příspěvek třetí strany",null,null,null,null,null,null,null,null,null,null,null,230]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výsledná suma",null,null,null,null,null,null,null,null,null,null,null,{"$f":"FV(AP13/12,12*AP12,-AP11,-1*AP10,1)","v":23999.803338342965},null,null,null,null,null,{"$f":"\"Nominál hodnoty \"  & TEXT(BH11,\"# ###\") & \" za \" & BH12 & \" let\"","v":"Nominál hodnoty 15 000 za 30 let"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"-FV(BH13/12,12*BH12,0,BH11,1)","v":27318.134688550414},null,null,null,null,null,"Předpokládané zhodnocení produktu",null,null,null,null,null,null,null,null,null,null,null,0.03]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výnos",null,null,null,null,null,null,null,null,null,null,null,{"$f":"AP14-AP10-AP12*12*AP11","v":11999.803338342965},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Celkem vloženo z vlastních zdrojů",null,null,null,null,null,null,null,null,null,null,null,{"$f":"BZ12*BZ11*12","v":240000},{"$f":"CA12*CA11*12","v":0},{"$f":"CB12*CB11*12","v":0},{"$f":"CC12*CC11*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Reálná hodnota při inflaci",null,null,null,null,null,null,null,0.09,null,null,null,{"$f":"FV((AP13-AL16)/12,12*AP12,-AP11,-1*AP10,1)","v":22786.485889864016},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výsledná naspořená suma",null,null,null,null,null,null,null,null,null,null,null,{"$f":"FV(BZ14/12,12*BZ11,-(BZ12+BZ13),0,1)","v":404820.98633994017},{"$f":"FV(CA14/12,12*CA11,-(CA12+CA13),0,1)","v":0},{"$f":"FV(CB14/12,12*CB11,-(CB12+CB13),0,1)","v":0},{"$f":"FV(CC14/12,12*CC11,-(CC12+CC13),0,1)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rálný výnos po započtení inflace",null,null,null,null,null,null,null,null,null,null,null,{"$f":"AP16-AP10-AP12*12*AP11","v":10786.485889864016},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Skutečné úročení vlastních zdrojů",null,null,null,null,null,null,null,null,null,null,null,{"$f":"12*RATE(12*BZ11,-BZ12,,BZ16,1)","v":4.8329167057176811E-2},{"$f":"12*RATE(12*CA11,-CA12,,CA16,1)","v":{"$error":"#NUM!"}},{"$f":"12*RATE(12*CB11,-CB12,,CB16,1)","v":{"$error":"#NUM!"}},{"$f":"12*RATE(12*CC11,-CC12,,CC16,1)","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suma při valorizaci vkladu (orient.)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"splatky!S1","v":26817.599999999999}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Reálná suma při valorizaci vkl. (orient.)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"splatky!V1","v":25737.599999999999}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kolik musím mít pro pravidelnou měsíční rentu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":" \"Kolik musím měsíčně spořit                                   abych naspořil \" & TEXT(AP27,\"# ###\")& \" ?\"","v":"Kolik musím měsíčně spořit                                   abych naspořil 519 103 ?"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kolik musím jednorázově vložit?                                             (vklad se nezmenšuje a na konci jej můžu vybrat v plné výši)"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výše požadované měsíční renty",null,null,null,null,null,null,null,null,null,null,null,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Průměrné roční zhodnocení",null,null,null,null,null,null,null,null,null,null,null,0.03,null,null,null,null,null,"Průměrné roční zhodnocení",null,null,null,null,null,null,null,null,null,null,null,0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Chci aby mi na konci zbylo",null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,"Jednorázový vklad na počátku",null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,"Výše požadovaných měsíčních výnosů",null,null,null,null,null,null,null,null,null,null,null,1000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Počet let pobírání renty",null,null,null,null,null,null,null,null,null,null,null,10,null,null,null,null,null,"Počet roků investování",null,null,null,null,null,null,null,null,null,null,null,30,null,null,null,null,null,"Průměrné roční zhodnocení",null,null,null,null,null,null,null,null,null,null,null,0.1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Potřebná suma",null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PV(AP24/12,AP26*12,AP23,AP25,1)","v":519103.28733033472},null,null,null,null,null,"Pravidelný měsíční vklad",null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PMT(BH24/12,BH26*12,-BH25,AP27,1)","v":1051.7817182597253},null,null,null,null,null,"Výše potřebného vkladu",null,null,null,null,null,null,null,null,null,null,null,{"$f":"12*BZ25/BZ26","v":120000}]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kolik musím měsíčně spořit abych naspořil požadovanou sumu?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jak vysoká bude měsíční renta z naspořené sumy?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kolik let můžu z naspořené sumy pobírat rentu?"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Požadovaná suma",null,null,null,null,null,null,null,null,null,null,null,1000000,null,null,null,null,null,"Naspořená suma",null,null,null,null,null,null,null,null,null,null,null,1000000,null,null,null,null,null,"Naspořená suma",null,null,null,null,null,null,null,null,null,null,null,1000000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Průměrné roční zhodnocení",null,null,null,null,null,null,null,null,null,null,null,0.02,null,null,null,null,null,"Průměrné roční zhodnocení",null,null,null,null,null,null,null,null,null,null,null,0.04,null,null,null,null,null,"Průměrné roční zhodnocení",null,null,null,null,null,null,null,null,null,null,null,0.04]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jednorázový vklad na počátku",null,null,null,null,null,null,null,null,null,null,null,2000,null,null,null,null,null,"Chci aby mi na konci zbylo",null,null,null,null,null,null,null,null,null,null,null,500000,null,null,null,null,null,"Chci aby mi na konci zbylo",null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Počet roků investování",null,null,null,null,null,null,null,null,null,null,null,10,null,null,null,null,null,"Počet let pobírání renty",null,null,null,null,null,null,null,null,null,null,null,20,null,null,null,null,null,"Pravidelný měsíční renta",null,null,null,null,null,null,null,null,null,null,null,5261]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pravidelný měsíční vklad",null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PMT(AP36/12,AP38*12,-AP37,AP35,1)","v":7503.7697439143676},null,null,null,null,null,"Pravidelný měsíční renta",null,null,null,null,null,null,null,null,null,null,null,{"$f":"PMT(BH36/12,BH38*12,-BH35,BH37,1)","v":4680.9650961765046},null,null,null,null,null,"Počet let pobírání renty",null,null,null,null,null,null,null,null,null,null,null,{"$f":"NPER(BZ36/12,BZ38,-BZ35,BZ37,1)/12","v":24.99863202191661}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zohlednění inflace ve výši",null,null,null,null,null,null,null,null,null,null,null,1.4999999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vklad valorizovaný o inflaci (orient.)",null,null,null,null,null,null,null,null,null,null,null,625.31414532619726]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"Nominál hodnoty \"  & TEXT(AP35,\"# ###\") & \" za \" & AP38 & \" let\"","v":"Nominál hodnoty 1 000 000 za 10 let"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"-FV(AP40/12,12*AP38,0,AP35,1)","v":1161725.4165483732}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"Pravidelný měsíční vklad pro \"& TEXT(AP42,\"# ###\")","v":"Pravidelný měsíční vklad pro 1 161 725"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PMT(AP36/12,AP38*12,-AP37,AP42,1)","v":8720.2912622108488}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vklad valorizovaný o inflaci (orient.)",null,null,null,null,null,null,null,null,null,null,null,8100.2912622108488]

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[0]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Anuitní splácení úvěru"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výše úvěru",null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Počet let splácení",null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Úrok p.a.",null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Měsíční splátka",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AN14=0,AN13=0,AN12=0),0,PMT(AN14/12,AN13*12,AN12)*-1)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"Součet splátek: ",{"$f":"AN15*12*AN13","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jistina na konci roku č."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,{"$f":"VLOOKUP(AC43*12,splatky!Y7:AC600,5)","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,null,null,{"$f":"VLOOKUP(AC44*12,splatky!Y8:AC601,5)","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,null,null,{"$f":"IF(AF44<1,0,VLOOKUP(AC45*12,splatky!Y9:AC602,5))","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,null,null,{"$f":"IF(AF45<1,0,VLOOKUP(AC46*12,splatky!Y10:AC603,5))","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,null,null,{"$f":"IF(AF46<1,0,VLOOKUP(AC47*12,splatky!Y11:AC604,5))","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AF47=0,AC47=-1,AN$13=AC47),-1,AC47+1)","v":{"$error":"#NUM!"}},null,null,{"$f":"IF(AC48=-1,-1,VLOOKUP(AC48*12,splatky!Y12:AC605,5))","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AF48=0,AC48=-1,AN$13=AC48),-1,AC48+1)","v":{"$error":"#NUM!"}},null,null,{"$f":"IF(AC49=-1,-1,VLOOKUP(AC49*12,splatky!Y13:AC606,5))","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#NUM!"},null,null,{"$f":"IF(AC50=-1,-1,VLOOKUP(AC50*12,splatky!Y14:AC607,5))","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#NUM!"},null,null,{"$f":"IF(AC51=-1,-1,VLOOKUP(AC51*12,splatky!Y15:AC608,5))","v":{"$error":"#NUM!"}}]
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["Výpočet výše nemocenského - sociálka"]
["podle zákona č. 187/2006 Sb."]
["při vzniku dočasné pracovní neschopnosti (karantény) v roce 2012"]
["vložte údaje do zelených políček"]
["Počet  kalendářních dnů pracovní neschopnosti1)",null,null,null,null,null,{"$f":"MIN(MAX(0,ROUND(H5,0)),380-14)","v":30},30]
["Vyměřovací základ",null,null,null,"denní  = D   nebo měsíční = M  ","m",null,{"$f":"Vypocty1!AL98","v":20000}]
["Denní vyměřovací základ pro nemocenské (DVZ ) neredukovaný",null,null,null,null,null,null,{"$f":"ROUND(IF(F6=\"D\",H6,H6*12/365),2)","v":657.53}]
["orientačně odpovídá průměrnému měsíčnímu příjmu cca",null,null,null,null,null,null,{"$f":"H7*365/12","v":19999.870833333331}]
[]
["Počet kalendářních dnů pro náhradu mzdy  ",null,null,null,null,null,null,{"$f":"MIN($G$5,21)","v":21}]
[]
["Počet kalendářních dnů nemocenského od 22. dne PN",null,null,null,null,null,null,{"$f":"MAX($G$5-21,0)","v":9}]
["Redukce DVZ"]
[null,null,"do",838,"redukce na",0.9,"tj. na",{"$f":"ROUND(F14*MIN($H$7,D14),2)","v":591.78}]
["nad",{"$f":"+D14","v":838},"do",1257,"redukce na",0.6,"tj. na",{"$f":"ROUND(F15*IF($H$7>B15,MIN($H$7,B16)-B15,0),2)","v":0}]
["nad",{"$f":"+D15","v":1257},"do ",2514,"redukce na",0.3,"tj. na",{"$f":"ROUND(F16*IF($H$7>B16,MIN($H$7,B17)-B16,0),2)","v":0}]
["nad",{"$f":"+D16","v":2514},"nezohledňuje se"]
[null,null,null,null,null,"Redukovaný DVZ",null,{"$f":"ROUNDUP(+H14+H15+H16,0)","v":592}]
["Nemocenské od 22. dne",null,null,0.6,{"$f":"\"z  \"&TEXT($H$18,\"# ###\")","v":"z  592"},{"$f":"\"tj. \"&CEILING($H$18*$D$19,1)&\" x \"&H12&G20","v":"tj. 356 x 9 dnů ="},null,{"$f":"CEILING($H$18*$D$19,1)*H12","v":3204}]
[null,"NEMOCENSKÉ celkem",null,null,null,null,{"$f":"IF(H12=1,\" den =\",IF(AND(H12<5,H12>0),\" dny =\",\" dnů =\"))","v":" dnů ="},{"$f":"H19","v":3204},{"$f":"H20/H12","v":356}]
["1) počet kalendářních dnů od 1. dne pracovní neschopnosti."]
["DVZ je průměr započitatelných příjmů připadajících na jeden kalendářní den v tzv. rozhodném období, což je  doba zpravidla 12 kalendářních měsíců před měsícem, v němž vznikla dočasná pracovní neschopnost či jiná sociální událost."]
[]
[]
[]
["Výpočet výše NÁHRADY MZDY *) - zaměstnavatel"]
["podle zákona 262/2006 Sb."]
["při dočasné pracovní neschopnosti nebo karanténě v době od 1. ledna 2012"]
["Vložit údaje do následujících zelených políček - počet hodin a průměrný hodinový výdělek"]
["Počet hodin pracovní neschopnosti (nemoci) pro náhradu mzdy **)",null,null,null,null,null,null,null,96]
["Počet hodin karantény (od prvního dne) ",null,null,null,null,null,null,null,0]
["Průměrný hodinový výdělek  (PHV)  (je stejný pro nemoc i pro karanténu)",null,null,null,null,null,null,null,{"$f":"H6/172","v":116.27906976744185}]
["Redukce PHV"]
[null,null," do",146.65,null,"redukce na",0.9,"tj. na",{"$f":"G34*MIN($I$32,D34)","v":104.65116279069767}]
["nad",{"$f":"+D34","v":146.65},"do",219.98,null,"redukce na",0.6,"tj. na",{"$f":"G35*IF($I$32>B35,MIN($I$32,B36)-B35,0)","v":0}]
["nad",{"$f":"+D35","v":219.98},"do ",439.95,null,"redukce na",0.3,"tj. na",{"$f":"G36*IF(I$32>B36,MIN(I$32,B37)-B36,0)","v":0}]
["nad",{"$f":"+D36","v":439.95},"nezohledňuje se"]
[null,null,null,null,"Redukovaný PHV",null,null,null,{"$f":"+I34+I35+I36","v":104.65116279069767},{"$f":"I38*I30/18","v":558.1395348837209}]
[null,"Náhrada mzdy  (nemoc)",{"$f":"+I30","v":96},"hodin",0.6,{"$f":"\"z \"&$I$13","v":"z "},{"$f":"\"tj. \"&($I$13*E39)&\" x \"&I30","v":"tj. 0 x 96"},null,{"$f":"($I$13*E39)*I30","v":0}]
[null,"Karanténa od 1. dne",{"$f":"+I31","v":0},"hodin",0.6,{"$f":"\"z \"&$I$13","v":"z "},{"$f":"\"tj. \"&($I$13*E40)&\" x \"&I31","v":"tj. 0 x 0"},null,{"$f":"($I$13*E40)*I31","v":0}]
["Celkem náhrada",null,{"$f":"+C39+C40","v":96},"hodin"]
[" NÁHRADA MZDY  (KARANTÉNA)   ",null,null,null,null,null,null,null,{"$f":"CEILING(I39+I40,1)","v":0}]
["*) poskytuje se pouze v době prvních 21 kalendářních dnů pracovní neschopnosti nebo karantény. "]
["**) počet hodin bez karenční doby,  nevyplňuje se pro karanténu."]

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[]
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[]
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[]
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[]
[]
[]
[]
[]
[]
[]
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[]
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[]
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[]
["narození",{"$f":"Vypocty1!AL10","v":"1980-06-05"},{"$f":"IF(YEAR(B57)>1977,1978,YEAR(B57))","v":1978}]
["žena",{"$f":"Vypocty1!AL11","v":"ne"}]
["děti",{"$f":"Vypocty1!AL12","v":0}]
[]
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[null,null,{"$f":"IF(B58=\"ne\",D71,IF(B59=0,G71,IF(B59=1,J71,IF(B59=2,M71,IF(B59>4,S71,P71)))))","v":67}]
[null,null,{"$f":"IF(B58=\"ne\",D72,IF(B59=0,G72,IF(B59=1,J72,IF(B59=2,M72,IF(B59>4,S72,P72)))))","v":"2047-12-05"}]
[]
[]
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[1939,60,8,728,57,4,688,56,0,672,55,0,660,54,0,648,53,0,636]
[1940,60,10,730,57,8,692,56,4,676,55,0,660,54,0,648,53,0,636]
[1941,61,0,732,58,0,696,56,8,680,55,4,664,54,0,648,53,0,636]
[1942,61,2,734,58,4,700,57,0,684,55,8,668,54,4,652,53,0,636]
[1943,61,4,736,58,8,704,57,4,688,56,0,672,54,8,656,53,4,640]
[1944,61,6,738,59,0,708,57,8,692,56,4,676,55,0,660,53,8,644]
[1945,61,8,740,59,4,712,58,0,696,56,8,680,55,4,664,54,0,648]
[1946,61,10,742,59,8,716,58,4,700,57,0,684,55,8,668,54,4,652]
[1947,62,0,744,60,0,720,58,8,704,57,4,688,56,0,672,54,8,656]
[1948,62,2,746,60,4,724,59,0,708,57,8,692,56,4,676,55,0,660]
[1949,62,4,748,60,8,728,59,4,712,58,0,696,56,8,680,55,4,664]
[1950,62,6,750,61,0,732,59,8,716,58,4,700,57,0,684,55,8,668]
[1951,62,8,752,61,4,736,60,0,720,58,8,704,57,4,688,56,0,672]
[1952,62,10,754,61,8,740,60,4,724,59,0,708,57,8,692,56,4,676]
[1953,63,0,756,62,0,744,60,8,728,59,4,712,58,0,696,56,8,680]
[1954,63,2,758,62,4,748,61,0,732,59,8,716,58,4,700,57,0,684]
[1955,63,4,760,62,8,752,61,4,736,60,0,720,58,8,704,57,4,688]
[1956,63,6,762,63,2,758,61,8,740,60,4,724,59,0,708,57,8,692]
[1957,63,8,764,63,8,764,62,2,746,60,8,728,59,4,712,58,0,696]
[1958,63,10,766,63,10,766,62,8,752,61,2,734,59,8,716,58,4,700]
[1959,64,0,768,64,0,768,63,2,758,61,8,740,60,2,722,58,8,704]
[1960,64,2,770,64,2,770,63,8,764,62,2,746,60,8,728,59,2,710]
[1961,64,4,772,64,4,772,64,2,770,62,8,752,61,2,734,59,8,716]
[1962,64,6,774,64,6,774,64,6,774,63,2,758,61,8,740,60,2,722]
[1963,64,8,776,64,8,776,64,8,776,63,8,764,62,2,746,60,8,728]
[1964,64,10,778,64,10,778,64,10,778,64,2,770,62,8,752,61,2,734]
[1965,65,0,780,65,0,780,65,0,780,64,8,776,63,2,758,61,8,740]
[1966,65,2,782,65,2,782,65,2,782,65,2,782,63,8,764,62,2,746]
[1967,65,4,784,65,4,784,65,4,784,65,4,784,64,2,770,62,8,752]
[1968,65,6,786,65,6,786,65,6,786,65,6,786,64,8,776,63,2,758]
[1969,65,8,788,65,8,788,65,8,788,65,8,788,65,2,782,63,8,764]
[1970,65,10,790,65,10,790,65,10,790,65,10,790,65,8,788,64,2,770]
[1971,66,0,792,66,0,792,66,0,792,66,0,792,66,0,792,64,8,776]
[1972,66,2,794,66,2,794,66,2,794,66,2,794,66,2,794,65,2,782]
[1973,66,4,796,66,4,796,66,4,796,66,4,796,66,4,796,65,8,788]
[1974,66,6,798,66,6,798,66,6,798,66,6,798,66,6,798,66,2,794]
[1975,66,8,800,66,8,800,66,8,800,66,8,800,66,8,800,66,8,800]
[1976,66,10,802,66,10,802,66,10,802,66,10,802,66,10,802,66,10,802]
[1977,67,0,804,67,0,804,67,0,804,67,0,804,67,0,804,67,0,804]
[1978,67,{"$f":"2*C118","v":6},{"$f":"12*B115+C115","v":810},67,{"$f":"2*F118","v":6},810,67,{"$f":"2*I118","v":6},810,67,{"$f":"2*L118","v":6},{"$f":"12*K115+L115","v":810},67,{"$f":"2*O118","v":6},810,67,{"$f":"2*R118","v":6},810]
[null,null,{"$f":"YEAR(B57)","v":1980},null,null,{"$f":"YEAR(B57)","v":1980},null,null,{"$f":"YEAR(B57)","v":1980},null,null,{"$f":"YEAR(B57)","v":1980},null,null,{"$f":"YEAR(B57)","v":1980},null,null,{"$f":"YEAR(B57)","v":1980}]
[null,null,1977,null,null,1977,null,null,1977,null,null,1977,null,null,1977,null,null,1977]
[null,null,{"$f":"C116-C117","v":3},null,null,{"$f":"F116-F117","v":3},null,null,{"$f":"I116-I117","v":3},null,null,{"$f":"L116-L117","v":3},null,null,{"$f":"O116-O117","v":3},null,null,{"$f":"R116-R117","v":3}]