Betting Limits

Enter the amount you have left after deducting all taxes, mandatory contributions, and other expenses, such as VAT for legal entities. This amount is available to you for spending, saving, or investing. What else might this include? Contributions and other social benefits. Your net income is listed on your pay stub or can be calculated by adding up all invoices issued during the month.

Housing costs are all expenses related to your housing, including: rent or mortgage payments, utility costs (such as electricity, gas, water, heating, and waste management), and telecommunications services (internet, telephone). This also includes fees for the management of an apartment building or homeowners’ association, such as common area fees, property management services, maintenance of common areas, waste disposal fees, and yard maintenance. Don’t forget about property insurance and routine maintenance, such as painting, repairs, yard work, cleaning, and so on. And, of course, taxes, as well as the purchase of household furnishings (furniture, appliances, accessories…).

e.g., 2,000 CZK per month

Other expenses, also known as operating expenses. You can calculate this amount by adding up everything you spend on “day-to-day living”—food, medicine, clothing, cosmetics, transportation, pets, children, memberships… Basically, everything you spend that doesn’t fall under the categories of housing and loans.

The reserve will be filled in automatically—10% of your available funds (that is, the amount remaining after deducting all expenses from the previous section of the calculator). We recommend setting this amount aside every month so that, in the event of unexpected expenses, you’ll still be able to afford a new washing machine, refrigerator, etc. You can also include long-term investments and savings plans (such as a home savings account) in this calculation.