What if I took parental leave?
Parental leave replaces one salary with a smaller, fixed amount for a known number of months, while the other income and most of the household costs carry on unchanged. Whether it works depends on the size of that gap, how long it lasts, and what the household holds in reserve.
What the household has to absorb
- Whose income pauses, by how much, and the months between the first and the last.
- The monthly allowance amount you enter, and how many months you expect to draw it.
- Whether you treat that amount as taxed or untaxed in the plan.
- The other parent’s income, and whether it changes during the same period.
- The return-to-work month, and whether the return is full time or part time.
Same household, leave added
Keep the household as it is in the baseline and add only the leave to a copy: one income drops to the allowance you entered, for the months you entered, and rises again at the return-to-work month. Everything else stays put, so the difference you read is the leave and nothing else.
Then vary the length and the return. Drawing a smaller amount over more months, or a larger one over fewer, changes the monthly gap without changing the total; returning part time changes it again. The child’s own costs do not belong here — they sit on the page about a child arriving, and counting them twice helps nobody.
Questions worth testing
- What is the monthly shortfall once the allowance you entered replaces the salary?
- Does the reserve cover that shortfall for the whole period, or only part of it?
- How does spreading the same total over more months change the monthly picture?
- What does a part-time return do compared with a full-time one?
How to read the result
Enter the monthly amount and the number of months you expect — Worthifi does not calculate the parental allowance, does not apply eligibility rules and does not decide how it is taxed. The total, the drawing speed and the conditions are set by law and change; confirm them at the official source. This is a planning illustration, not financial, tax or legal advice.
How it works in the app
A bounded, tax-free income change models the parental allowance (rodičovský příspěvek) in place of your regular salary, for the months you choose. See whether the household stays solvent through the leave.
- Tap “Change your income”.
- Choose “For a period”, set the allowance amount, switch on “Tax-free income”, and pick the start and end month.
- Check solvency and runway through the leave period.
Model this yourself