{"id":1824,"date":"2026-05-18T14:30:00","date_gmt":"2026-05-18T12:30:00","guid":{"rendered":"https:\/\/kuraksa.cz\/blog\/?p=1824"},"modified":"2026-05-14T10:00:01","modified_gmt":"2026-05-14T08:00:01","slug":"dane-a-finance-v-roce-2026-jak-legalne-vytahnout-ze-statu-maximum-penez-krome-dipu","status":"publish","type":"post","link":"https:\/\/kuraksa.cz\/blog\/dane-a-finance-v-roce-2026-jak-legalne-vytahnout-ze-statu-maximum-penez-krome-dipu\/","title":{"rendered":"Dan\u011b a finance v roce 2026: Jak leg\u00e1ln\u011b vyt\u00e1hnout ze st\u00e1tu maximum pen\u011bz (krom\u011b DIPu)"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"572\" src=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/05\/image-4.png\" alt=\"\" class=\"wp-image-1825\" style=\"width:400px\" srcset=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/05\/image-4.png 1024w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/05\/image-4-300x168.png 300w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/05\/image-4-768x429.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">V\u011bt\u0161ina lid\u00ed v \u010cesku bere dan\u011b jako nutn\u00e9 zlo, kter\u00e9 jim ka\u017ed\u00fd m\u011bs\u00edc ukousne kus v\u00fdplaty. Ale v\u011bd\u011bli jste, \u017ee st\u00e1t nab\u00edz\u00ed celou \u0159adu cest, jak tyhle pen\u00edze dostat zp\u011bt? Nejsou to \u017e\u00e1dn\u00e9 kli\u010dky \u201epro vyvolen\u00e9\u201c, ale leg\u00e1ln\u00ed n\u00e1stroje, kter\u00e9 \u010dasto lid\u00e9 v Teplic\u00edch nebo B\u00edlin\u011b nevyu\u017e\u00edvaj\u00ed jen proto, \u017ee o nich nev\u00ed nebo jim p\u0159ijdou slo\u017eit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poj\u010fme si uk\u00e1zat, kde le\u017e\u00ed pen\u00edze na zemi, kter\u00e9 sta\u010d\u00ed jen sebrat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u00daroky z hypot\u00e9ky: Va\u0161e nejv\u011bt\u0161\u00ed vratka<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud bydl\u00edte ve vlastn\u00edm a spl\u00e1c\u00edte <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.google.com\/search?q=\/refinancovani-hypoteky-teplice-rady\/&amp;authuser=1\">hypot\u00e9ku<\/a>, st\u00e1t v\u00e1m dovoluje ode\u010d\u00edst si zaplacen\u00e9 \u00faroky od z\u00e1kladu dan\u011b.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Jak to funguje:<\/strong> Ka\u017ed\u00fd rok v\u00e1m banka po\u0161le potvrzen\u00ed. To odevzd\u00e1te v \u00fa\u010dt\u00e1rn\u011b nebo p\u0159ilo\u017e\u00edte k p\u0159izn\u00e1n\u00ed.<\/li>\n\n\n\n<li><strong>Kolik to hod\u00ed:<\/strong> Podle v\u00fd\u0161e \u00fav\u011bru a sazeb v roce 2026 v\u00e1m to m\u016f\u017ee vr\u00e1tit do kapsy klidn\u011b <strong>5 000 a\u017e 15 000 K\u010d ro\u010dn\u011b<\/strong>. To je v podstat\u011b jedna cel\u00e1 spl\u00e1tka zdarma.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. D\u011bti \u2013 va\u0161e nejlep\u0161\u00ed \u201einvestice\u201c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Slevy na d\u011bti jsou v roce 2026 st\u00e1le jedn\u00edm z nejsiln\u011bj\u0161\u00edch n\u00e1stroj\u016f.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Da\u0148ov\u00fd bonus:<\/strong> Pokud je va\u0161e da\u0148ov\u00e1 povinnost ni\u017e\u0161\u00ed ne\u017e sleva na d\u011bti, st\u00e1t v\u00e1m rozd\u00edl doplat\u00ed. Ano, st\u00e1t v\u00e1m po\u0161le pen\u00edze nav\u00edc. Pro rodiny se dv\u011bma a v\u00edce d\u011btmi to d\u011blaj\u00ed des\u00edtky tis\u00edc korun ro\u010dn\u011b.<\/li>\n\n\n\n<li><strong>Sleva na \u0161kolkovn\u00e9:<\/strong> Pokud d\u00e1v\u00e1te d\u00edt\u011b do \u0161kolky, m\u016f\u017eete si ode\u010d\u00edst n\u00e1klady na um\u00edst\u011bn\u00ed (\u0161kolkovn\u00e9). Pozor, limit se ka\u017ed\u00fd rok m\u011bn\u00ed, tak si pohl\u00eddejte aktu\u00e1ln\u00ed \u010d\u00e1stku pro rok 2026.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u017divotko, penzijko a DIP: Svat\u00e1 trojice odpo\u010dt\u016f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">O <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.google.com\/search?q=\/dip-vs-penzijni-sporeni-srovnani\/&amp;authuser=1\">DIPu a penzijku<\/a> jsme u\u017e mluvili, ale zopakujme si to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Od z\u00e1kladu dan\u011b si m\u016f\u017eete ode\u010d\u00edst p\u0159\u00edsp\u011bvky a\u017e do v\u00fd\u0161e <strong>48 000 K\u010d ro\u010dn\u011b<\/strong> (souhrnn\u011b pro v\u0161echny tyto produkty).<\/li>\n\n\n\n<li>P\u0159i maxim\u00e1ln\u00edm vyu\u017eit\u00ed to znamen\u00e1, \u017ee v\u00e1m st\u00e1t na dan\u00edch vr\u00e1t\u00ed <strong>7 200 K\u010d ro\u010dn\u011b<\/strong>.<\/li>\n\n\n\n<li><strong>Moje rada:<\/strong> Pokud tyhle produkty m\u00e1te \u0161patn\u011b nastaven\u00e9, neode\u010d\u00edt\u00e1te nic. Sta\u010d\u00ed jedna mal\u00e1 zm\u011bna ve smlouv\u011b a pen\u00edze jsou doma.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. D\u00e1rcovstv\u00ed: Dobr\u00fd skutek, co se vyplat\u00ed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Chod\u00edte v \u00dast\u00ed nebo Teplic\u00edch darovat krev? Nebo pos\u00edl\u00e1te pen\u00edze na charitu?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Darov\u00e1n\u00ed krve:<\/strong> Jeden odb\u011br se po\u010d\u00edt\u00e1 jako dar v hodnot\u011b 3 000 K\u010d.<\/li>\n\n\n\n<li><strong>Plazma:<\/strong> Pokud ji darujete bez\u00faplatn\u011b, plat\u00ed to sam\u00e9.<\/li>\n\n\n\n<li>I tyto dary v\u00e1m sn\u00ed\u017e\u00ed z\u00e1klad dan\u011b a vr\u00e1t\u00ed p\u00e1r stovek a\u017e tis\u00edcikorun zp\u011bt.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Shrnut\u00ed: Kolik m\u016f\u017eete z\u00edskat?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Poj\u010fme si vz\u00edt b\u011b\u017enou rodinu z na\u0161eho regionu (2 d\u011bti, hypot\u00e9ka, oba pracuj\u00ed, jeden daruje krev):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00daroky z hypot\u00e9ky:<\/strong> vratka 8 000 K\u010d<\/li>\n\n\n\n<li><strong>Sleva na 2 d\u011bti:<\/strong> cca 37 000 K\u010d (formou slevy nebo bonusu)<\/li>\n\n\n\n<li><strong>DIP\/Penzijko:<\/strong> vratka 3 000 K\u010d<\/li>\n\n\n\n<li><strong>Odb\u011bry krve (4x ro\u010dn\u011b):<\/strong> vratka 1 800 K\u010d <strong>Celkem: 49 800 K\u010d.<\/strong> To je skoro <strong>50 000 K\u010d ro\u010dn\u011b<\/strong>, kter\u00e9 z\u016fstanou v\u00e1m m\u00edsto st\u00e1tu. Za tuhle \u010d\u00e1stku u\u017e po\u0159\u00edd\u00edte slu\u0161nou rodinnou dovolenou nebo z\u00e1klad pro <a href=\"https:\/\/www.google.com\/search?q=\/sporeni-pro-deti-v-roce-2026\/&amp;authuser=1\" target=\"_blank\" rel=\"noreferrer noopener\">investice va\u0161im d\u011btem<\/a>.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Andrej\u016fv tip:<\/strong> Ne\u010dekejte na p\u0159\u00ed\u0161t\u00ed b\u0159ezen. Pokud jste letos zm\u011bnili pr\u00e1ci, vzali si hypot\u00e9ku nebo za\u010dali investovat, ozv\u011bte se mi. Pod\u00edv\u00e1me se, jestli m\u00e1te v \u00fa\u010dt\u00e1rn\u011b podepsan\u00e9 v\u0161echno spr\u00e1vn\u011b, aby v\u00e1m pen\u00edze neub\u00fdvaly zbyte\u010dn\u011b u\u017e te\u010f.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Chcete v\u011bd\u011bt, jestli ze st\u00e1tu \u017ed\u00edm\u00e1te maximum, co jde? Ud\u011bl\u00e1me rychl\u00fd audit va\u0161ich odpo\u010dt\u016f. \u010casto sta\u010d\u00ed jedna p\u0159\u00edloha k da\u0148ov\u00e9mu p\u0159izn\u00e1n\u00ed nav\u00edc a v\u00e1\u0161 rodinn\u00fd rozpo\u010det se rozsv\u00edt\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>St\u00e1t v\u00e1m bere dost, tak si vezm\u011bte n\u011bco zp\u00e1tky. P\u0159ehled da\u0148ov\u00fdch slev, odpo\u010dt\u016f a bonus\u016f, kter\u00e9 v roce 2026 m\u016f\u017eete vyu\u017e\u00edt pro sv\u016fj rodinn\u00fd rozpo\u010det.<br \/>\nKl\u00ed\u010dov\u00e9 slovo: da\u0148ov\u00e1 optimalizace pro zam\u011bstnance<\/p>\n","protected":false},"author":1,"featured_media":1825,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/comments?post=1824"}],"version-history":[{"count":1,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1824\/revisions"}],"predecessor-version":[{"id":1826,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1824\/revisions\/1826"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media\/1825"}],"wp:attachment":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media?parent=1824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/categories?post=1824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/tags?post=1824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}