{"European Payroll Toolkit":"Evropski plačni pripomoček","Salary, pension, leave and termination in Greece, Germany, Italy, Spain and the UK":"Plača, pokojnina, dopust in prenehanje zaposlitve v Grčiji, Nemčiji, Italiji, Španiji in Združenem kraljestvu","Your salary":"Tvoja plača","Example figures. Replace them with yours.":"Primeri zneskov. Zamenjaj jih s svojimi.","Tax year":"Davčno leto","Salaries / year":"Plač / leto","I know my":"Poznam svojo","Gross / mo":"Bruto / mes.","Gross / yr":"Bruto / leto","Net / mo":"Neto / mes.","Amount (€)":"Znesek (€)","Dependent children":"Vzdrževani otroci","Age in tax year":"Starost v davčnem letu","Bonus / year (gross €)":"Bonus / leto (bruto €)","Bonus as % of annual salary":"Bonus v % letne plače","First insured":"Začetek zavarovanja","1993 or later":"1993 ali pozneje","Before 1993":"Pred letom 1993","Sector":"Sektor","Private":"Zasebni","Public":"Javni","More options":"Več možnosti","I spend at least 30% of my income by card or e-payment (rule since 2020)":"Vsaj 30 % dohodka porabim s kartico ali e-plačili (pravilo od leta 2020)","My e-payment spending (€ / year)":"Moja poraba z e-plačili (€ / leto)","Custom employee EFKA rate (%)":"Lastna stopnja prispevka EFKA za zaposlenega (%)","use the year’s rate":"uporabi stopnjo tega leta","Net per month":"Neto na mesec","Net per year":"Neto na leto","Income tax":"Dohodnina","EFKA":"EFKA","Marginal rate":"Mejna stopnja","of each extra €1 gross":"od vsakega dodatnega 1 € bruto","Where your gross pay goes":"Kam gre tvoja bruto plača","you keep":"ostane tebi","Net pay":"Neto plača","EFKA (pension & health)":"EFKA (pokojnina in zdravstvo)","Solidarity levy":"Solidarnostna dajatev","E-spending shortfall tax":"Davek za premajhno e-porabo","Employer EFKA":"EFKA delodajalca","Payslip breakdown":"Razčlenitev plačilne liste","Regular month":"Običajen mesec","Christmas bonus":"Božičnica","Easter bonus":"Velikonočni dodatek","Holiday allowance":"Regres za letni dopust","One-off bonus":"Enkratni bonus","Year total":"Skupaj za leto","Payment":"Izplačilo","Gross":"Bruto","Tax & levies":"Davki in dajatve","Net":"Neto","How the tax is calculated":"Kako se izračuna davek","Annual gross":"Letni bruto","Employee EFKA":"EFKA zaposlenega","Taxable income":"Davčna osnova","Tax from the scale":"Davek po lestvici","Tax credit":"Davčna olajšava","Income tax due":"Dohodnina za plačilo","E-spending shortfall (22%)":"Primanjkljaj e-porabe (22 %)","Total tax withheld":"Skupaj odtegnjeni davek","EFKA ceiling {c} / month":"Zgornja meja EFKA {c} / mesec","Your bonus":"Tvoj bonus","Enter a one-off bonus on the left to see how much of it you keep.":"Na levi vnesi enkratni bonus in poglej, koliko ti ga ostane.","reaches your account out of {b} gross":"pride na tvoj račun od {b} bruto","You keep {p} of the bonus. EFKA takes {e} and tax {t}. The bonus is taxed at your top rate, so it is taxed harder than your salary on average.":"Od bonusa ti ostane {p}. EFKA vzame {e}, davek pa {t}. Bonus je obdavčen po tvoji najvišji stopnji, zato je v povprečju obdavčen močneje kot plača.","Net for the year with bonus: {n} (without: {w})":"Neto za leto z bonusom: {n} (brez: {w})","Total cost to the employer":"Skupni strošek za delodajalca","Gross pay plus employer EFKA at {r}. You take home {p} of it.":"Bruto plača in prispevki EFKA delodajalca po stopnji {r}. Domov odneseš {p} tega zneska.","Your salary across 20 years of Greek tax rules":"Tvoja plača skozi 20 let grških davčnih pravil","Each year from 2006 to 2026 is computed with that year’s tax scale, EFKA rates and solidarity levy. Compare in nominal euros, or adjust for inflation to see purchasing power in euros of {y}.":"Vsako leto od 2006 do 2026 je izračunano z davčno lestvico, stopnjami EFKA in solidarnostno dajatvijo tistega leta. Primerjaj v nominalnih evrih ali upoštevaj inflacijo in poglej kupno moč v evrih iz leta {y}.","Gross salary in each year":"Bruto plača v vsakem letu","Same euros":"Enaki evri","Same purchasing power":"Enaka kupna moč","My actual salaries":"Moje dejanske plače","Show amounts in":"Prikaži zneske v","Nominal €":"Nominalni €","€ of {y} (inflation-adjusted)":"€ iz leta {y} (prilagojeno inflaciji)","Include the bonus":"Vključi bonus","Type your gross monthly salary for each year in the \"Gross / mo\" column of the table below.":"V stolpec „Bruto / mes.“ v spodnji tabeli vpiši svojo bruto mesečno plačo za vsako leto.","Annual pay split by year (nominal €)":"Razdelitev letne plače po letih (nominalni €)","Annual pay split by year (€ of {y})":"Razdelitev letne plače po letih (€ iz leta {y})","Share of gross pay by year":"Delež bruto plače po letih","Highest real net":"Najvišji realni neto","Lowest real net":"Najnižji realni neto","Prices 2006 → {y}":"Cene 2006 → {y}","€100 in 2006 buys what {v} buys in {y}":"100 € v letu 2006 kupi toliko kot {v} v letu {y}","Real net {y} vs 2006":"Realni neto {y} v primerjavi z 2006","per month, € of {y}":"na mesec, € iz leta {y}","Year":"Leto","Tax":"Davek","Solidarity":"Solidarnost","Net / yr":"Neto / leto","Kept":"Ostane","Real net / mo (€ {y})":"Realni neto / mes. (€ {y})","Assumptions and data":"Predpostavke in podatki","These rates drive every calculation: standard EFKA (formerly IKA) rates for a private-sector employee without a special fund or heavy-and-unhealthy status, the monthly contribution ceiling, and annual CPI inflation (ELSTAT). Edit any cell to match your case. Edits are saved in this browser only.":"Te stopnje poganjajo vse izračune: standardne stopnje EFKA (prej IKA) za zaposlenega v zasebnem sektorju brez posebnega sklada ali statusa težkega in zdravju škodljivega dela, mesečna zgornja meja prispevkov in letna inflacija CPI (ELSTAT). Uredi katerokoli celico, da ustreza tvojemu primeru. Spremembe se shranijo samo v tem brskalniku.","Inflation %":"Inflacija %","Employee EFKA %":"EFKA zaposlenega %","Employer EFKA %":"EFKA delodajalca %","Ceiling € / mo":"Meja € / mes.","Ceiling pre-1993":"Meja pred 1993","Tax system":"Davčni sistem","Reset to defaults":"Ponastavi privzete vrednosti","est.":"ocena","Tax rules by period":"Davčna pravila po obdobjih","{n} payments a year · {g} gross / month":"{n} izplačil na leto · {g} bruto / mesec","Net per month · {y}":"Neto na mesec · {y}","{p} of gross":"{p} bruto zneska","Needed gross: {g} / month":"Potreben bruto: {g} / mesec","= {g} / month over {n} payments":"= {g} / mesec v {n} izplačilih","= {g} gross / year":"= {g} bruto / leto","Estimates for guidance only. Covers wage income of one employee. Older contribution rates and ceilings are typical values, the 2025–2026 inflation and 2026 ceiling are estimates, and the 2026 scale follows the reform passed in late 2025. Special funds (banks, press, engineers), heavy-and-unhealthy jobs, other income, deductions and allowances are not modelled. Spouses are taxed separately on their own wages; the child credit applies to each. For exact figures, check your payslip or an accountant.":"Ocene so zgolj informativne. Zajemajo dohodek iz zaposlitve enega zaposlenega. Starejše stopnje prispevkov in meje so tipične vrednosti, inflacija za 2025–2026 in meja za 2026 sta oceni, lestvica za 2026 pa sledi reformi, sprejeti konec leta 2025. Posebni skladi (banke, tisk, inženirji), težka in zdravju škodljiva dela, drugi dohodki, odbitki in dodatki niso upoštevani. Zakonca sta obdavčena ločeno vsak za svojo plačo; olajšava za otroke velja za vsakega. Za natančne zneske preveri plačilno listo ali vprašaj računovodjo.","Tax-free zone + 3 bands":"Neobdavčeni del + 3 razredi","€12k tax-free, 18–45%":"12.000 € neobdavčeno, 18–45 %","€5k tax-free, 10–45%, solidarity":"5.000 € neobdavčeno, 10–45 %, solidarnost",", €2,100 credit":", olajšava 2.100 €",", solidarity":", solidarnost","top":"najvišja"," / year":" / leto","How to read this section":"Kako brati ta razdelek","<b>Same euros, shown nominal.</b> Every year uses the same gross salary of {m} / month, shown exactly as it would have been paid in that year. Gross is identical in every bar, so any change in net comes only from changes in tax and EFKA rules. Inflation is ignored here, so a euro in 2006 and a euro in {y} count the same even though a 2006 euro bought more.":"<b>Enaki evri, nominalno.</b> Vsako leto uporablja enako bruto plačo {m} / mesec, prikazano točno tako, kot bi bila izplačana tisto leto. Bruto je v vsakem stolpcu enak, zato vsaka sprememba neta izhaja samo iz sprememb davčnih pravil in pravil EFKA. Inflacija tu ni upoštevana, zato evro iz 2006 in evro iz {y} štejeta enako, čeprav je evro iz 2006 kupil več.","<b>Same euros, inflation-adjusted.</b> Every year uses the same nominal salary of {m} / month, then converts it into euros of {y}. Back in 2006 that salary bought what {r} buys today, so the bars get smaller towards {y}: a salary that never rises loses value as prices go up. Use this view to see what a frozen salary costs you.":"<b>Enaki evri, prilagojeno inflaciji.</b> Vsako leto uporablja enako nominalno plačo {m} / mesec, nato pa jo pretvori v evre iz leta {y}. Leta 2006 je ta plača kupila toliko kot danes {r}, zato se stolpci proti {y} manjšajo: plača, ki se nikoli ne zviša, izgublja vrednost, ko cene rastejo. S tem pogledom vidiš, koliko te stane zamrznjena plača.","<b>Same purchasing power, shown nominal.</b> The salary is adjusted for inflation so it buys the same in every year: {a} / month in 2006 is equivalent to {m} / month in {y}. Amounts are shown as they would have been paid at the time, so the bars rise mainly because prices rose, not because the worker is better off.":"<b>Enaka kupna moč, nominalno.</b> Plača je prilagojena inflaciji, tako da vsako leto kupi enako: {a} / mesec v letu 2006 ustreza {m} / mesec v letu {y}. Zneski so prikazani tako, kot bi bili izplačani takrat, zato stolpci rastejo predvsem zaradi rasti cen, ne zato, ker bi bil zaposleni na boljšem.","<b>Same purchasing power, inflation-adjusted.</b> The salary is the same in real terms every year ({m} / month in euros of {y}), so the total height of every bar is the same. Any change in the blue net part is purely the effect of tax and EFKA rules. This is the cleanest view of how the system treated the same worker over time.":"<b>Enaka kupna moč, prilagojeno inflaciji.</b> Plača je vsako leto realno enaka ({m} / mesec v evrih iz leta {y}), zato je skupna višina vseh stolpcev enaka. Vsaka sprememba modrega neto dela je izključno učinek davčnih pravil in pravil EFKA. To je najčistejši pogled na to, kako je sistem skozi čas obravnaval istega zaposlenega.","<b>Your actual salaries, shown nominal.</b> Each year uses the gross you typed in the table, shown as it was paid at the time. Bars mix two effects: your raises and inflation. Switch to inflation-adjusted to separate them.":"<b>Tvoje dejanske plače, nominalno.</b> Vsako leto uporablja bruto, ki ga vpišeš v tabelo, prikazan tako, kot je bil izplačan takrat. Stolpci mešajo dva učinka: tvoja povišanja in inflacijo. Preklopi na prilagojeno inflaciji, da ju ločiš.","<b>Your actual salaries, inflation-adjusted.</b> Each year uses the gross you typed, converted into euros of {y}. Rising bars mean your take-home pay really bought more; falling bars mean your raises did not keep up with prices or taxes.":"<b>Tvoje dejanske plače, prilagojeno inflaciji.</b> Vsako leto uporablja vpisani bruto, pretvorjen v evre iz leta {y}. Rastoči stolpci pomenijo, da je tvoja neto plača res kupila več; padajoči pa, da povišanja niso sledila cenam ali davkom.","<b>Left chart:</b> each bar is one year’s total gross pay (including bonuses), split into what you keep (net, blue) and what goes to EFKA, income tax and the solidarity levy.{mw} <b>Right chart:</b> the same split as a percentage of gross. Percentages are not affected by inflation, so this chart only changes with the gross salary choice. <b>Table:</b> the \"Real net / mo\" column is always in euros of {y}, whatever you choose above.":"<b>Levi graf:</b> vsak stolpec je skupna bruto plača enega leta (z bonusi), razdeljena na to, kar ti ostane (neto, modro), in na to, kar gre za EFKA, dohodnino in solidarnostno dajatev.{mw} <b>Desni graf:</b> ista razdelitev v odstotkih bruto zneska. Inflacija na odstotke ne vpliva, zato se ta graf spremeni samo z izbiro bruto plače. <b>Tabela:</b> stolpec „Realni neto / mes.“ je vedno v evrih iz leta {y}, ne glede na izbiro zgoraj."," The dashed line is the minimum wage for a full year, on the same basis.":" Črtkana črta je minimalna plača za celo leto na isti osnovi.","<b>You have not typed any past salaries yet.</b> Until you do, every earlier year uses your {y} salary ({m} / month) moved back with inflation (the grey numbers in the Gross / mo column). That keeps purchasing power the same in every year, so the bars come out almost equal. Type what you really earned in each year to see your own history.":"<b>Preteklih plač še ni vpisanih.</b> Dokler jih ne vpišeš, vsa prejšnja leta uporabljajo tvojo plačo iz leta {y} ({m} / mesec), preračunano nazaj z inflacijo (sive številke v stolpcu Bruto / mes.). Tako ostane kupna moč vsako leto enaka, zato so stolpci skoraj enaki. Vpiši dejansko plačo za vsako leto in poglej svojo zgodovino.","<b>{n} years have no salary typed in.</b> Those years use your {y} salary ({m} / month) moved back with inflation (grey numbers in the Gross / mo column), so they show the same purchasing power as {y}. Type your real salary there to replace them.":"<b>{n} let nima vpisane plače.</b> Ta leta uporabljajo tvojo plačo iz leta {y} ({m} / mesec), preračunano nazaj z inflacijo (sive številke v stolpcu Bruto / mes.), zato kažejo enako kupno moč kot {y}. Tam vpiši svojo dejansko plačo, da jih zamenjaš.","Estimate: your current salary adjusted for inflation. Type your real salary for this year.":"Ocena: tvoja sedanja plača, prilagojena inflaciji. Vpiši svojo dejansko plačo za to leto.","Worked example: the {a} bar next to the {b} bar":"Primer: stolpec {a} ob stolpcu {b}","Each bar in the left chart is one full year of pay, stacked from the bottom: net (what reaches your account) first, then EFKA, then income tax and any levies on top. The whole height is the gross. Below, two bars are taken apart: {a} and {b}. One is the base year {y}, the other is the year in which you kept the smallest share of your gross (amounts {basis}).":"Vsak stolpec v levem grafu je eno celo leto plače, zloženo od spodaj: najprej neto (kar pride na tvoj račun), nato EFKA, nato dohodnina in morebitne dajatve na vrhu. Celotna višina je bruto. Spodaj sta razstavljena dva stolpca: {a} in {b}. Eden je izhodiščno leto {y}, drugi pa leto, v katerem ti je ostal najmanjši delež bruto zneska (zneski {basis}).","as paid at the time":"kot so bili izplačani takrat","in euros of {y}":"v evrih iz leta {y}","Gross (bar height)":"Bruto (višina stolpca)","points":"točk","How to read it: in {a} the bar is {ga} tall. The bottom part, {na}, is your net ({ka} of the bar); {ea} went to EFKA and {ta} to tax and levies. In {b} the bar is {gb} tall and the net part is {nb} ({kb}). So from {a} to {b} your yearly net changed by {dn} and the share you keep by {dk}. Hover any bar to see the same numbers for that year.":"Kako brati: v letu {a} je stolpec visok {ga}. Spodnji del, {na}, je tvoj neto ({ka} stolpca); {ea} je šlo za EFKA in {ta} za davke in dajatve. V letu {b} je stolpec visok {gb}, neto del pa {nb} ({kb}). Od {a} do {b} se je tvoj letni neto torej spremenil za {dn}, delež, ki ti ostane, pa za {dk}. Premakni miško na katerikoli stolpec, da vidiš iste številke za tisto leto.","Both bars have the same height, so the whole difference in net comes from the rules: tax and levies changed by {dt} a year between {a} and {b}, plus any change in EFKA rates.":"Stolpca sta enako visoka, zato celotna razlika v netu izhaja iz pravil: davki in dajatve so se med {a} in {b} spremenili za {dt} na leto, poleg morebitne spremembe stopenj EFKA.","The bars have different heights because the gross itself differs (raises or inflation, depending on your choices above). Compare the percentages rather than the euros to see the effect of the rules alone: tax and levies changed by {dt} a year.":"Stolpca sta različno visoka, ker se razlikuje že sam bruto (povišanja ali inflacija, odvisno od tvojih izbir zgoraj). Primerjaj odstotke namesto evrov, da vidiš učinek samih pravil: davki in dajatve so se spremenili za {dt} na leto.","Gross: ":"Bruto: ","Salary":"Plača","Pension":"Pokojnina","Leave":"Dopust","Your working life":"Tvoja delovna doba","All amounts are in today’s euros. Pensions are assumed to keep pace with inflation.":"Vsi zneski so v današnjih evrih. Predpostavljeno je, da pokojnine sledijo inflaciji.","Age now":"Starost zdaj","Years insured so far":"Doslej zavarovanih let","More years I will work":"Dodatna leta dela","until I retire":"do upokojitve","Claim pension":"Uveljavi pokojnino","As early as possible":"Čim prej","When it is full":"Ko je polna","<b>Your plan:</b> work {n} more years → stop at {stop} ({sy}) with {y} years insured → pension from age {a} ({yr}), {s}.":"<b>Tvoj načrt:</b> delaš še {n} let → nehaš pri starosti {stop} ({sy}) z {y} leti zavarovanja → pokojnina od starosti {a} ({yr}), {s}."," You wait {w} years with neither salary nor pension.":" {w} let čakaš brez plače in brez pokojnine.","<b>Your plan:</b> with {n} more years you would have {y} years insured, below the 15-year minimum. You need at least {k} more years.":"<b>Tvoj načrt:</b> z {n} dodatnimi leti bo zavarovalna doba {y} let, kar je manj od 15-letnega minimuma. Potrebuješ vsaj še {k} let.","You are viewing a different cell from your plan.":"Gledaš drugo celico, kot je tvoj načrt.","Back to my plan":"Nazaj na moj načrt","Your plan":"Tvoj načrt","Avg gross / mo so far":"Povpr. bruto / mes. doslej","Gross / mo from now":"Bruto / mes. od zdaj","Empty = salary from the Salary tab.":"Prazno = plača iz zavihka Plača.","Raise above inflation %":"Povišanje nad inflacijo %","Life expectancy":"Pričakovana življenjska doba","Years in Greece after 15":"Leta v Grčiji po 15","Men":"Moški","Women":"Ženske","Heavy & unhealthy occupation (ΒΑΕ), most of my years":"Težko in zdravju škodljivo delo (ΒΑΕ), večino let","Break-even compares pension with":"Točka preloma primerja pokojnino z","My contributions":"Moji prispevki","Mine + employer":"Moji + delodajalčevi","Notional time to buy (years, max 7)":"Odkup let (leta, največ 7)","Military service, child-raising, studies, unemployment. Costs about 20% of your monthly salary for every month bought.":"Služenje vojaškega roka, vzgoja otrok, študij, brezposelnost. Za vsak odkupljeni mesec stane približno 20 % tvoje mesečne plače.","Full national pension (€ / month)":"Polna nacionalna pokojnina (€ / mesec)","Retire at {a} · {y} years insured · {yr}":"Upokojitev pri {a} · {y} let zavarovanja · {yr}","{g} gross · {s} · 12 payments a year":"{g} bruto · {s} · 12 izplačil na leto","full pension":"polna pokojnina","reduced by {p}":"znižana za {p}","not eligible":"ni pravice","Replacement rate":"Nadomestitveno razmerje","of your final net salary":"tvoje zadnje neto plače","Pension contributions":"Pokojninski prispevki","yours {m} · employer {e}":"tvoji {m} · delodajalčevi {e}","Paid back each year":"Povrnjeno vsako leto","of {b}":"od {b}","Break-even":"Točka preloma","age {a}, after {n} years of pension":"starost {a}, po {n} letih pokojnine","your contributions":"tvojih prispevkov","all contributions":"vseh prispevkov","Earliest pension":"Najzgodnejša pokojnina","Earliest full pension":"Najzgodnejša polna pokojnina","Working until 67":"Delo do 67. leta","Working until 70":"Delo do 70. leta","at {a} ({yr}) with {y} years, net / month":"pri {a} ({yr}) z {y} leti, neto / mesec","Not eligible":"Ni pravice","Every scenario: net monthly pension":"Vsi scenariji: neto mesečna pokojnina","Rows: the age you claim your pension. Columns: your total years of insurance by then. Outlined cells assume you keep working until you retire; cells to their left mean you stopped working earlier. Click a cell to see its details below.":"Vrstice: starost, pri kateri uveljaviš pokojnino. Stolpci: skupna leta zavarovanja do takrat. Obrobljene celice predpostavljajo, da delaš do upokojitve; celice levo od njih pomenijo prej končano delo. Klikni celico in podrobnosti se prikažejo spodaj.","Age":"Starost","Years insured":"Leta zavarovanja","Full pension":"Polna pokojnina","Reduced (early)":"Znižana (predčasna)","Working until retirement":"Delo do upokojitve","Selected: details shown below (click any cell to change)":"Izbrano: podrobnosti spodaj (klikni katerokoli celico za spremembo)","Pension breakdown":"Razčlenitev pokojnine","National pension":"Nacionalna pokojnina","Contributory pension":"Prispevna pokojnina","Supplementary pension":"Dodatna pokojnina","Early-retirement cut":"Znižanje za predčasno upokojitev","Gross pension":"Bruto pokojnina","Health contribution (6%)":"Zdravstveni prispevek (6 %)","Net pension / month":"Neto pokojnina / mesec","Pensionable earnings: {a} / month (career average, incl. bonuses, spread over 12 months). Accrual rate for {y} years: {r}. National pension share: {n}.":"Pokojninska osnova: {a} / mesec (povprečje celotne kariere z bonusi, razporejeno na 12 mesecev). Odmerni odstotek za {y} let: {r}. Delež nacionalne pokojnine: {n}.","Contributions and payback":"Prispevki in povračilo","Your pension contributions (6.67% main + 3% suppl.)":"Tvoji pokojninski prispevki (6,67 % glavni + 3 % dodatni)","Employer pension contributions (13.33% + 3%)":"Delodajalčevi pokojninski prispevki (13,33 % + 3 %)","Notional time purchase":"Odkup zavarovalne dobe","Total paid in":"Skupaj vplačano","Net pension per year":"Neto pokojnina na leto","Expected years in retirement (life expectancy)":"Pričakovana leta v pokoju (življenjska doba)","Expected lifetime net pension":"Pričakovana neto pokojnina za vse življenje","Lifetime pension ÷ {b}":"Pokojnina za vse življenje ÷ {b}","You get back {b} ({v}) after {n} years of pension, at age {age} in {yr}. Health contributions (about 7% of pay, shared) are not counted: they pay for healthcare, not pension.":"{b} ({v}) dobiš povrnjeno po {n} letih pokojnine, pri starosti {age} v letu {yr}. Zdravstveni prispevki (približno 7 % plače, deljeno) niso všteti: plačujejo zdravstvo, ne pokojnine.","At this level you do not get back {b} within your life expectancy.":"Na tej ravni v pričakovani življenjski dobi ne dobiš povrnjenih {b}.","Gross monthly pension by retirement age (working until then)":"Bruto mesečna pokojnina po starosti ob upokojitvi (z delom do takrat)","Cumulative net pension vs contributions":"Kumulativna neto pokojnina v primerjavi s prispevki","Pension received":"Prejeta pokojnina","Your contributions":"Tvoji prispevki","All contributions":"Vsi prispevki","Pension rules applied":"Uporabljena pokojninska pravila","Projection under current law (Laws 4336/2015, 4387/2016, 4670/2020) for EFKA private-sector employees. People insured before 1993, mothers of minor children, civil servants and some ΒΑΕ categories may still have transitional rules with earlier ages. Past earnings are taken in today’s euros; the supplementary annuity and life expectancy are simplified. For your official record, use e-ΕΦΚΑ (ατομικός λογαριασμός ασφάλισης, ψηφιακή απονομή).":"Projekcija po veljavni zakonodaji (zakoni 4336/2015, 4387/2016, 4670/2020) za zaposlene v zasebnem sektorju, zavarovane pri EFKA. Za zavarovane pred letom 1993, matere mladoletnih otrok, javne uslužbence in nekatere kategorije ΒΑΕ lahko še veljajo prehodna pravila z nižjo starostjo. Pretekli zaslužki so upoštevani v današnjih evrih; dodatna renta in življenjska doba sta poenostavljeni. Za uradne podatke uporabi e-ΕΦΚΑ (ατομικός λογαριασμός ασφάλισης, ψηφιακή απονομή).","Your job and family":"Tvoja služba in družina","Working week":"Delovni teden","5 days":"5 dni","6 days":"6 dni","Years with current employer":"Leta pri sedanjem delodajalcu","Total years worked (all employers)":"Skupna delovna doba (vsi delodajalci)","I am the":"Sem","Mother":"Mati","Father":"Oče","Calendar year":"Koledarsko leto","Children":"Otroci","Children’s ages (years)":"Starost otrok (leta)","Child {n}":"Otrok {n}","Expecting a baby":"Pričakujem otroka","Single-parent family":"Enostarševska družina","Child with a disability (67%+)":"Otrok z invalidnostjo (67 %+)","Gross monthly salary (€)":"Bruto mesečna plača (€)","Annual leave · {y}":"Letni dopust · {y}","working days":"delovnih dni","{w}-day week · {e} years with employer · {t} years total":"{w}-dnevni teden · {e} let pri delodajalcu · {t} let skupaj","First year: {r} days per month worked ({m} months so far)":"Prvo leto: {r} dni na mesec dela ({m} mesecev doslej)","Weekday public holidays":"Prazniki na delovne dni","{m} mandatory, {c} customary":"{m} obveznih, {c} običajnih","Paid days off":"Plačani prosti dnevi","leave + holidays + family days":"dopust + prazniki + družinski dnevi","Value of your leave":"Vrednost tvojega dopusta","+ leave allowance {a}":"+ dodatek za dopust {a}","Next increase":"Naslednje povečanje","to {d} days, in {n}":"na {d} dni, v letu {n}","Top of scale":"Vrh lestvice","you have the maximum":"imaš največ","{n} yr":"{n} l.","Annual leave scale (Law 4504/1966, 3302/2004)":"Lestvica letnega dopusta (zakona 4504/1966, 3302/2004)","Service":"Delovna doba","5-day":"5-dnevni","6-day":"6-dnevni","1st year with employer":"1. leto pri delodajalcu","2nd year":"2. leto","3rd year onwards":"od 3. leta naprej","10 years with employer or 12 years in total":"10 let pri delodajalcu ali 12 let skupaj","25 years in total":"25 let skupaj","pro rata":"sorazmerno","Leave is counted in working days. At least 12 working days (10 on a 5-day week) must be taken in one block, and leave cannot be replaced by money while you are employed. Unused leave is paid out only when the job ends.":"Dopust se šteje v delovnih dnevih. Vsaj 12 delovnih dni (10 pri 5-dnevnem tednu) je treba izrabiti v enem kosu, med zaposlitvijo pa dopusta ni mogoče zamenjati za denar. Neizrabljen dopust se izplača šele ob prenehanju zaposlitve.","Public holidays {y}":"Prazniki {y}","Take {d} off → {n} days in a row":"Vzemi {d} prosto → {n} dni zapored","weekend":"vikend","mandatory":"obvezen","customary":"običajen","Leave around a birth":"Dopust ob rojstvu","Months before and after the birth. Childcare leave (reduced hours) can instead be taken as one continuous block if the employer agrees. Parental leave can be used any time until the child turns 8.":"Meseci pred rojstvom in po njem. Dopust za nego otroka (krajši delovni čas) je mogoče ob soglasju delodajalca izrabiti v enem neprekinjenem kosu. Starševski dopust je mogoče izrabiti kadarkoli do otrokovega 8. leta.","Family and special leave":"Družinski in posebni dopusti","Entitlement":"Pravica","Pay":"Plačilo","For you now":"Zate zdaj","Applies":"Velja","Not now":"Ne zdaj","Based on Greek labour law for private-sector employees: Law 4504/1966 and 3302/2004 (annual leave), Law 4808/2021 (maternity, paternity, parental, carer and family leave) and the National General Collective Labour Agreement (ΕΓΣΣΕ). Sector or company agreements may give more. Public-sector staff follow different rules. Check with your employer or ΣΕΠΕ (Labour Inspectorate) for your case.":"Na podlagi grškega delovnega prava za zaposlene v zasebnem sektorju: zakona 4504/1966 in 3302/2004 (letni dopust), zakon 4808/2021 (porodniški, očetovski, starševski, negovalni in družinski dopust) in nacionalna splošna kolektivna pogodba (ΕΓΣΣΕ). Panožne ali podjetniške pogodbe lahko dajo več. Za javni sektor veljajo druga pravila. Za svoj primer preveri pri delodajalcu ali pri ΣΕΠΕ (inšpektorat za delo).","15 years minimum":"Najmanj 15 let","Full pension: 67, or 62 with 40 years":"Polna pokojnina: 67 ali 62 s 40 leti","Early pension from 62":"Predčasna pokojnina od 62","Heavy & unhealthy (ΒΑΕ)":"Težko in zdravju škodljivo (ΒΑΕ)","Deductions on pensions":"Odtegljaji od pokojnin","included":"vključeno","years":"let","Retirement age":"Upokojitvena starost","Life expectancy ":"Življenjska doba ","Age (dashed line: life expectancy)":"Starost (črtkano: življenjska doba)","New Year’s Day":"Novo leto","Epiphany":"Sveti trije kralji","Clean Monday":"Čisti ponedeljek","Independence Day":"Dan neodvisnosti","Good Friday":"Veliki petek","Easter Monday":"Velikonočni ponedeljek","Labour Day":"Praznik dela","Whit Monday":"Binkoštni ponedeljek","Assumption of Mary":"Marijino vnebovzetje","Ochi Day":"Dan Ohi","Christmas Day":"Božič","Synaxis of the Theotokos":"Shod Bogorodice","Annual leave":"Letni dopust","Employer":"Delodajalec","Maternity leave":"Porodniški dopust","17 weeks: 8 before and 9 after birth":"17 tednov: 8 pred rojstvom in 9 po njem","EFKA + employer top-up":"EFKA + doplačilo delodajalca","Special maternity protection":"Posebno varstvo materinstva","9 months after maternity leave":"9 mesecev po porodniškem dopustu","ΔΥΠΑ, at minimum-wage level":"ΔΥΠΑ, v višini minimalne plače","Paternity leave":"Očetovski dopust","14 working days around the birth":"14 delovnih dni ob rojstvu","Employer (full pay)":"Delodajalec (polna plača)","Childcare leave (reduced hours)":"Dopust za nego otroka (krajši delovni čas)","1 hour less per day for 30 months (or 2 h for 12 + 1 h for 6), or an equal block":"1 uro manj na dan 30 mesecev (ali 2 uri 12 mesecev + 1 uro 6 mesecev) ali enakovreden strnjen dopust","Parental leave":"Starševski dopust","Up to 4 months per parent, per child, until age 8 (first 2 months paid)":"Do 4 mesece na starša za vsakega otroka, do 8. leta (prva 2 meseca plačana)","Needs 1 year with your employer":"Potrebno 1 leto pri delodajalcu","School visits":"Obiski v šoli","Child sickness leave":"Dopust zaradi bolezni otroka","Single-parent extra leave":"Dodatni dopust za samohranilce","6 days a year (8 with 3+ children), children up to 12":"6 dni na leto (8 s 3+ otroki), otroci do 12 let","Parent of a child with disability":"Starš otroka z invalidnostjo","Right to 1 hour less work per day":"Pravica do 1 ure manj dela na dan","Pay reduced accordingly":"Plača sorazmerno nižja","IVF / assisted reproduction":"OBMP / oploditev z biomedicinsko pomočjo","7 working days a year":"7 delovnih dni na leto","Prenatal check-ups":"Predporodni pregledi","Time off as needed for exams":"Prosto po potrebi za preglede","Carer leave":"Negovalni dopust","5 working days a year for a relative needing care":"5 delovnih dni na leto za sorodnika, ki potrebuje nego","Marriage / civil partnership":"Poroka / registrirana partnerska zveza","Bereavement":"Smrt v družini","2 working days (close relative)":"2 delovna dneva (ožji sorodnik)","Sick leave":"Bolniški dopust","No fixed limit; first 3 days at 50% pay, then EFKA sickness benefit plus employer top-up":"Brez stalne omejitve; prvi 3 dnevi s 50 % plače, nato nadomestilo EFKA za bolezen in doplačilo delodajalca","Employer + EFKA":"Delodajalec + EFKA","Paid":"Plačano","Benefit":"Nadomestilo","Unpaid":"Neplačano","months":"mesecev","Maternity 17 wks":"Porodniški 17 tednov","Special protection 9 months":"Posebno varstvo 9 mesecev","Childcare: 1 hour less a day, 30 months":"Nega otroka: 1 ura manj na dan, 30 mesecev","Parental leave 4 months, any time until age 8":"Starševski dopust 4 mesece, kadarkoli do 8. leta","Paternity 14 days":"Očetovski 14 dni","Birth":"Rojstvo","m":"m","Extra pay":"Dodatno plačilo","Freelance":"Samozaposleni","Job offers":"Ponudbe za delo","Termination":"Prenehanje zaposlitve","Scenario name":"Ime scenarija","Save":"Shrani","Delete":"Izbriši","Saved scenarios…":"Shranjeni scenariji…","Saved \"{n}\"":"Shranjeno „{n}“","Loaded \"{n}\"":"Naloženo „{n}“","Deleted \"{n}\"":"Izbrisano „{n}“","Type a name for the scenario first":"Najprej vpiši ime scenarija","Pick a saved scenario to delete":"Izberi shranjeni scenarij za brisanje","Copy summary":"Kopiraj povzetek","Summary copied to clipboard":"Povzetek je kopiran v odložišče","Copy blocked: the text is selected, press Ctrl+C":"Kopiranje blokirano: besedilo je izbrano, pritisni Ctrl+C","Spouse / partner taxable income (€ / year)":"Obdavčljivi dohodek zakonca / partnerja (€ / leto)","New resident in Greece: art. 5C (income tax on 50% of pay for 7 years)":"Nov rezident v Grčiji: čl. 5C (dohodnina na 50 % plače za 7 let)","Minimum wage (gross / yr)":"Minimalna plača (bruto / leto)","Min. wage / mo":"Min. plača / mes.","Family benefits":"Družinski prejemki","Personal tips":"Osebni nasveti","Household (two earners)":"Gospodinjstvo (dva zaslužka)","Partner gross / month":"Bruto partnerja / mesec","Childcare cost / month":"Stroški varstva otrok / mesec","Add children in the panel on the left to estimate child benefit (Α21) and the birth allowance.":"Dodaj otroke v levem okviru, da oceniš otroški dodatek (Α21) in dodatek ob rojstvu.","Equivalised family income":"Ekvivalentni družinski dohodek","Α21 income band":"Dohodkovni razred Α21","Child benefit (Α21)":"Otroški dodatek (Α21)","Birth allowance for a new baby":"Dodatek ob rojstvu otroka","{v} / month · {y} / year":"{v} / mesec · {y} / leto","Not eligible (above €15,000)":"Ni pravice (nad 15.000 €)","Not eligible (above €40,000)":"Ni pravice (nad 40.000 €)","Α21 is paid to families with equivalised income up to €15,000: total family taxable income divided by 1 for the first parent, ½ for the second and ¼ per child. Amounts per child per month: €70 / €42 / €28 for the 1st and 2nd child and double from the 3rd, by band. Apply on idika.gov.gr (ΟΠΕΚΑ). Estimates.":"Α21 prejmejo družine z ekvivalentnim dohodkom do 15.000 €: skupni obdavčljivi družinski dohodek, deljen z 1 za prvega starša, ½ za drugega in ¼ za vsakega otroka. Zneski na otroka na mesec: 70 € / 42 € / 28 € za 1. in 2. otroka in dvojno od 3. naprej, po razredih. Vloga na idika.gov.gr (ΟΠΕΚΑ). Ocene.","Pension vs investing it yourself":"Pokojnina ali lastno vlaganje","What if the same contributions went into a private investment instead? Each year’s contribution grows at the real return you choose until the selected retirement age, then pays out over your life expectancy.":"Kaj, če bi enaki prispevki šli v zasebno naložbo? Prispevek vsakega leta raste po izbranem realnem donosu do izbrane upokojitvene starosti, nato se izplačuje skozi pričakovano življenjsko dobo.","Real return per year (%)":"Realni donos na leto (%)","Invest":"Vlaganje","Capital at retirement":"Kapital ob upokojitvi","Private income / month":"Zasebni dohodek / mesec","EFKA pension / month (gross)":"Pokojnina EFKA / mesec (bruto)","Difference":"Razlika","in today’s euros at {a}":"v današnjih evrih pri {a}","spent down over {n} years, before tax":"porabljeno v {n} letih, pred davkom","for life, with national pension floor":"doživljenjsko, z nacionalno pokojnino kot spodnjo mejo","Investing privately carries market risk and has no lifelong guarantee, no national-pension floor and no disability cover. The EFKA pension also protects your spouse: a survivor’s pension is about 70% of yours ({v} / month).":"Zasebno vlaganje nosi tržno tveganje in nima doživljenjskega jamstva, spodnje meje nacionalne pokojnine ali kritja invalidnosti. Pokojnina EFKA ščiti tudi zakonca: vdovska pokojnina znaša približno 70 % tvoje ({v} / mesec).","Leave planner":"Načrtovalnik dopusta","Add the periods you plan to take off. Working days are counted automatically, skipping weekends and public holidays. Saved in this browser.":"Dodaj obdobja, ko želiš biti prost. Delovni dnevi se štejejo samodejno, brez vikendov in praznikov. Shranjeno v tem brskalniku.","Days already taken this year":"Letos že izrabljeni dnevi","+ Add period":"+ Dodaj obdobje","From":"Od","To":"Do","Working days":"Delovni dnevi","Remove":"Odstrani","{e} days entitled · {u} taken · {p} planned · {r} left":"{e} dni pravice · {u} izrabljenih · {p} načrtovanih · {r} preostalih"," You are planning {n} days more than you have.":" Načrtuješ {n} dni več, kot jih imaš."," Includes a block of {b}+ days in a row, as the law requires.":" Vključuje strnjen kos {b}+ dni, kot zahteva zakon."," The law requires one block of at least {b} working days in a row; none is planned yet.":" Zakon zahteva en kos vsaj {b} zaporednih delovnih dni; tak še ni načrtovan.","Your extra hours":"Tvoje dodatne ure","Average hours per month.":"Povprečne ure na mesec.","Extra hours, up to 45 / wk (+20%)":"Dodatne ure, do 45 / teden (+20 %)","Overtime above 45 / wk (+40%)":"Nadure nad 45 / teden (+40 %)","Night hours 22:00–06:00 (+25%)":"Nočne ure 22:00–06:00 (+25 %)","Sunday / holiday hours (+75%)":"Ure ob nedeljah / praznikih (+75 %)","Night and Sunday hours are hours within your normal schedule that earn a premium; the percentages add up if both apply.":"Nočne in nedeljske ure so ure v tvojem rednem urniku, ki prinašajo dodatek; odstotki se seštejejo, če veljata oba.","Extra net pay per month":"Dodatni neto na mesec","{g} gross extra · hourly rate {h}":"{g} dodatno bruto · urna postavka {h}","Normal hourly rate":"Običajna urna postavka","gross (monthly × 6 ÷ 25 ÷ 40)":"bruto (mesečno × 6 ÷ 25 ÷ 40)","Extra per year":"Dodatno na leto","net · {g} gross":"neto · {g} bruto","You keep":"Ostane ti","of each extra euro (marginal)":"od vsakega dodatnega evra (mejno)","Overtime used":"Porabljene nadure","of the 150-hour yearly limit":"od letne omejitve 150 ur","Pay per hour by type":"Plačilo na uro po vrsti","Monthly extra pay: gross vs net":"Mesečno dodatno plačilo: bruto in neto","Type":"Vrsta","Rate":"Stopnja","€ / h gross":"€ / h bruto","€ / h net":"€ / h neto","Hours":"Ure","Month gross":"Mesec bruto","Month net":"Mesec neto","Extra hours (υπερεργασία)":"Dodatne ure (υπερεργασία)","Legal overtime":"Zakonite nadure","Night premium":"Nočni dodatek","Sunday / holiday premium":"Dodatek za nedelje / praznike","Extra hours above {c} a month exceed the weekly limit of {w} hours and legally count as overtime (+40%).":"Dodatne ure nad {c} na mesec presegajo tedensko omejitev {w} ur in po zakonu štejejo kot nadure (+40 %).","{h} overtime hours a year exceed the 150-hour annual limit for legal overtime.":"{h} nadur na leto presega letno omejitev 150 ur za zakonite nadure.","Rules (Law 4808/2021 and 4093/2012)":"Pravila (zakona 4808/2021 in 4093/2012)","Employee vs freelancer":"Zaposleni ali samozaposleni","The same budget paid to you as a salary, or invoiced as a freelancer (μπλοκάκι). The employee side uses the Salary tab; the freelancer side uses 2026 rules.":"Isti proračun, izplačan kot plača ali zaračunan kot samozaposleni (μπλοκάκι). Stran zaposlenega uporablja zavihek Plača, stran samozaposlenega pravila za 2026.","Freelancer setup":"Nastavitve samozaposlenega","Yearly invoicing (€, before VAT)":"Letni promet (€, brez DDV)","Empty = what the employer pays for you in total today.":"Prazno = kar delodajalec danes skupaj plača zate.","EFKA class":"Razred EFKA","Business expenses (%)":"Poslovni stroški (%)","In my first 3 years of activity (no minimum taxable income)":"V prvih 3 letih dejavnosti (brez minimalnega obdavčljivega dohodka)","Minimum monthly wage used for the imputed income (€)":"Minimalna mesečna plača za pripisani dohodek (€)","Class {n}: {v} / month":"Razred {n}: {v} / mesec","Freelancer minus employee, net per year":"Samozaposleni minus zaposleni, neto na leto","Freelancer {f} vs employee {e} on a budget of {b}":"Samozaposleni {f} in zaposleni {e} pri proračunu {b}","Employee net / year":"Neto zaposlenega / leto","Freelancer net / year":"Neto samozaposlenega / leto","{p} of employer cost":"{p} stroška delodajalca","{p} of invoicing":"{p} prometa","Invoicing to match":"Promet za izenačitev","per year, to equal your employee net":"na leto, da dosežeš svoj neto kot zaposleni","Day rate to match":"Dnevna postavka za izenačitev","at 220 billable days a year":"pri 220 obračunljivih dneh na leto","Where the money goes":"Kam gre denar","Side by side":"Drug ob drugem","Employee":"Zaposleni","Freelancer":"Samozaposleni","Budget / invoicing":"Proračun / promet","Business expenses":"Poslovni stroški","EFKA (yours)":"EFKA (tvoji)","EFKA (employer)":"EFKA (delodajalčevi)","Net per month (÷12)":"Neto na mesec (÷12)","Paid leave, bonuses, severance, unemployment cover":"Plačan dopust, bonusi, odpravnina, zavarovanje za brezposelnost","Yes":"Da","No":"Ne","minimum imputed income applied":"uporabljen minimalni pripisani dohodek","Freelancers pay a fixed EFKA class (2026 amounts estimated), get no tax credit, and since 2024 are taxed on at least an imputed income based on the minimum wage unless in their first 3 years. The 2025 abolition of the business levy (τέλος επιτηδεύματος) is included. 20% withholding on invoices and the tax prepayment affect cash flow, not the final tax. VAT is passed through.":"Samozaposleni plačujejo fiksni razred EFKA (zneski za 2026 so ocenjeni), nimajo davčne olajšave in so od leta 2024 obdavčeni najmanj od pripisanega dohodka na podlagi minimalne plače, razen v prvih 3 letih. Upoštevana je odprava poslovne dajatve (τέλος επιτηδεύματος) v letu 2025. 20-odstotni odtegljaj na računih in predplačilo davka vplivata na denarni tok, ne na končni davek. DDV se prenese naprej.","Compare two job offers":"Primerjaj dve ponudbi za delo","Net pay plus the benefits that matter in Greece: meal vouchers, group health insurance, other perks, commuting cost and extra leave. Empty gross for Offer A uses your current salary.":"Neto plača in ugodnosti, ki v Grčiji štejejo: boni za prehrano, skupinsko zdravstveno zavarovanje, druge ugodnosti, stroški prevoza in dodatni dopust. Prazen bruto pri ponudbi A uporabi tvojo sedanjo plačo.","Offer":"Ponudba","Name":"Ime","Gross / month":"Bruto / mesec","Bonus / year":"Bonus / leto","Meal card / month":"Kartica za prehrano / mesec","Health insurance / year":"Zdravstveno zavarovanje / leto","Other perks / year":"Druge ugodnosti / leto","Commuting cost / month":"Stroški prevoza / mesec","Extra leave days":"Dodatni dnevi dopusta","Result":"Rezultat","Net pay / year":"Neto plača / leto","Meal card + insurance + perks":"Kartica za prehrano + zavarovanje + ugodnosti","Value of extra leave":"Vrednost dodatnega dopusta","Commuting":"Prevoz","Total value / year":"Skupna vrednost / leto","Per month (÷12)":"Na mesec (÷12)","{n} is worth {v} more per year ({p}).":"{n}: vredno {v} več na leto ({p}).","The two offers are worth the same.":"Ponudbi sta vredni enako.","Your job ending":"Konec tvoje zaposlitve","How the job ends":"Kako se zaposlitev konča","Dismissal without notice":"Odpoved brez odpovednega roka","Dismissal with written notice":"Odpoved s pisnim odpovednim rokom","I resign":"Dam odpoved","I leave to retire":"Odidem v pokoj","Hire date":"Datum zaposlitve","Last day of work":"Zadnji delovni dan","Unused leave days":"Neizrabljeni dnevi dopusta","Dependants":"Vzdrževani družinski člani","Monthly unemployment benefit, base (€)":"Mesečno nadomestilo za brezposelnost, osnova (€)","Net amount on leaving · {d}":"Neto znesek ob odhodu · {d}","{y} years of service · pay basis {b} / month":"{y} let delovne dobe · osnova plačila {b} / mesec","Severance":"Odpravnina","{m} months × {b}, tax-free up to €60k":"{m} mesecev × {b}, neobdavčeno do 60.000 €","no severance":"brez odpravnine","Notice period":"Odpovedni rok","written notice by {d}":"pisna odpoved do {d}","not applicable":"ne velja","Final pay items":"Končna izplačila","bonuses, leave pay & allowance, net":"bonusi, nadomestilo in dodatek za dopust, neto","Unemployment benefit":"Nadomestilo za brezposelnost","{m} / month for {n} months":"{m} / mesec za {n} mesecev","only after a dismissal":"samo po odpovedi delodajalca","What you receive":"Kaj prejmeš","Severance scale (Law 4093/2012)":"Lestvica odpravnin (zakon 4093/2012)","Item":"Postavka","Severance ({m} months)":"Odpravnina ({m} mesecev)","Extra for service before 12/11/2012 ({m} months)":"Dodatek za delovno dobo pred 12. 11. 2012 ({m} mesecev)","Share paid: {p}":"Izplačani delež: {p}","Christmas bonus, pro rata":"Božičnica, sorazmerno","Easter bonus, pro rata":"Velikonočni dodatek, sorazmerno","Unused leave pay ({d} days)":"Nadomestilo za neizrabljen dopust ({d} dni)","Leave allowance":"Dodatek za dopust","Total":"Skupaj","Without notice":"Brez odpovednega roka","Notice":"Odpovedni rok","With notice":"Z odpovednim rokom","{n} mo":"{n} mes.","{a}–{b} years":"{a}–{b} let","{a} years":"{a} let","{a}+ years":"{a}+ let","Under 1 year (probation)":"Manj kot 1 leto (poskusna doba)","Rules applied":"Uporabljena pravila","Estimates under Law 4093/2012, Law 4808/2021 and Law 2112/1920 for private-sector employees with an indefinite contract. Fixed-term contracts, collective agreements, abusive or invalid dismissals and special categories are not covered. Unemployment benefit amounts and rules change; check ΔΥΠΑ (dypa.gov.gr). For a dismissal, speak to a labour lawyer or ΣΕΠΕ early: deadlines are short.":"Ocene po zakonih 4093/2012, 4808/2021 in 2112/1920 za zaposlene v zasebnem sektorju s pogodbo za nedoločen čas. Pogodbe za določen čas, kolektivne pogodbe, nezakonite ali neveljavne odpovedi in posebne kategorije niso zajete. Zneski in pravila nadomestila za brezposelnost se spreminjajo; preveri pri ΔΥΠΑ (dypa.gov.gr). Ob odpovedi se čim prej posvetuj z delovnopravnim odvetnikom ali ΣΕΠΕ: roki so kratki.","Hourly rate":"Urna postavka","Night, Sunday, holiday":"Noč, nedelja, praznik","Severance scale":"Lestvica odpravnin","Pay basis":"Osnova plačila","With written notice":"S pisnim odpovednim rokom","Service before 12/11/2012":"Delovna doba pred 12. 11. 2012","Resignation and retirement":"Odpoved zaposlenega in upokojitev","Tax and EFKA":"Davek in EFKA","Deadlines":"Roki","Unemployment benefit (ΔΥΠΑ)":"Nadomestilo za brezposelnost (ΔΥΠΑ)","Private pension":"Zasebna pokojnina","Group pension plan":"Skupinski pokojninski načrt","Your contribution is deducted from taxable salary (Law 5078/2023), up to 20% of gross together with the employer’s. Amounts in today’s rules.":"Tvoj prispevek se odšteje od obdavčljive plače (zakon 5078/2023), skupaj z delodajalčevim do 20 % bruto zneska. Zneski po današnjih pravilih.","My contribution as":"Moj prispevek kot","% of gross":"% bruto","€ per salary":"€ na plačo","My contribution":"Moj prispevek","My contribution (% of gross)":"Moj prispevek (% bruto)","My contribution (€ per salary)":"Moj prispevek (€ na plačo)","Employer contribution (% of gross)":"Prispevek delodajalca (% bruto)","From salary (% of gross)":"Iz plače (% bruto)","From salary (€ per payment)":"Iz plače (€ na izplačilo)","Bonus / year (% of annual salary)":"Bonus / leto (% letne plače)","From bonus (% of bonus)":"Iz bonusa (% bonusa)","Annual salary {s} + bonus {b} = {t}. 20% limit: {l} / year, you use {u}.":"Letna plača {s} + bonus {b} = {t}. Omejitev 20 %: {l} / leto, porabiš {u}."," Room left: {r} a year, so the From salary box can go up to {p} (it is a % of salary only, without the bonus).":" Preostali prostor: {r} na leto, zato lahko polje Iz plače doseže {p} (to je % samo od plače, brez bonusa)."," Over the limit by {r} a year: that part gets no tax deduction.":" Nad omejitvijo za {r} na leto: ta del nima davčnega odbitka.","{v} per payment":"{v} na izplačilo","Employer contribution":"Prispevek delodajalca","Plan return in year 1":"Donos načrta v 1. letu","What you earn this year from the plan":"Kaj ti načrt prinese letos","tax saved + employer contribution + return":"prihranjeni davek + prispevek delodajalca + donos","{a} of what you put in · {b} of your real cost":"{a} tega, kar vložiš · {b} tvojega dejanskega stroška","Total received / year (take-home + plan)":"Skupaj prejeto / leto (neto plača + načrt)","Bonus / year (gross)":"Bonus / leto (bruto)","Plan contribution from salary":"Prispevek v načrt iz plače","Plan contribution from bonus":"Prispevek v načrt iz bonusa","Bonus received, net":"Prejeti bonus, neto","Plan return per year (%)":"Donos načrta na leto (%)","Years contributing":"Leta vplačevanja","Yearly raise (%)":"Letno povišanje (%)","Balance already in plan (€)":"Stanje, ki je že v načrtu (€)","Payout":"Izplačilo","Lump sum":"Enkratni znesek","Monthly pension":"Mesečna pokojnina","Paid monthly over (years)":"Mesečno izplačevanje (leta)","I withdraw early by choice, before 60 or retirement (+50% tax)":"Predčasni dvig po lastni izbiri, pred 60. letom ali upokojitvijo (+50 % davka)","Net per month with the plan":"Neto na mesec z načrtom","{d} less than without it ({w}) · lower tax covers {p} of your contribution":"{d} manj kot brez njega ({w}) · nižji davek pokrije {p} tvojega prispevka","Income tax saved / year":"Prihranjena dohodnina / leto","{p} of what you put in":"{p} tega, kar vložiš","Real cost of each €1":"Dejanski strošek vsakega 1 €","out of your take-home pay":"iz tvoje neto plače","Balance after {n} years":"Stanje po {n} letih","you {a} · employer {b} · return {c}":"ti {a} · delodajalec {b} · donos {c}","Net at payout":"Neto ob izplačilu","lump sum after {r} tax":"enkratni znesek po {r} davka","per month for {n} years, after {r} tax":"na mesec {n} let, po {r} davka","Together you put in {c} a year, above the 20% limit of {l}. The excess {x} is taxed as salary.":"Skupaj vplačata {c} na leto, nad omejitvijo 20 % v višini {l}. Presežek {x} je obdavčen kot plača.","This year: salary without and with the plan":"Letos: plača brez načrta in z njim","Without plan":"Brez načrta","With plan":"Z načrtom","Gross / year":"Bruto / leto","Your plan contribution":"Tvoj prispevek v načrt","Take-home / year":"Neto / leto","Take-home / regular month":"Neto / običajen mesec","Going into the plan / year":"V načrt / leto","EFKA is still paid on your full gross; only income tax goes down. Your saving is roughly your top tax rate on every euro you contribute.":"EFKA se še vedno plača od celotnega bruto zneska; zniža se samo dohodnina. Tvoj prihranek je približno tvoja najvišja davčna stopnja na vsak vplačani evro.","What you gain in year 1":"Kaj pridobiš v 1. letu","Into the plan (you + employer)":"V načrt (ti + delodajalec)","Cost to your take-home pay":"Strošek za tvojo neto plačo","Return in year 1 ({r})":"Donos v 1. letu ({r})","Balance after 1 year":"Stanje po 1 letu","If withdrawn after 1 year, net ({r} tax)":"Ob dvigu po 1 letu, neto ({r} davka)","Gain vs taking it as salary":"Pridobitev v primerjavi z izplačilom kot plača","Every €1 out of your pocket puts {v} into the plan. Most of the gain is the tax you don’t pay now; the return adds to it over time.":"Vsak 1 € iz tvojega žepa da v načrt {v}. Večina pridobitve je davek, ki ga zdaj ne plačaš; donos se s časom doda.","Plan balance year by year ({n} years)":"Stanje načrta po letih ({n} let)","Employer contributions":"Prispevki delodajalca","Investment return":"Donos naložbe","Starting balance":"Začetno stanje","Saving the same take-home yourself":"Lastno varčevanje enake neto vsote","Plan vs saving it yourself":"Načrt ali lastno varčevanje","Plan balance":"Stanje načrta","Tax at payout ({r})":"Davek ob izplačilu ({r})","Plan, net to you":"Načrt, neto zate","Saving yourself, net":"Lastno varčevanje, neto","Advantage of the plan":"Prednost načrta","Total that left your take-home pay":"Skupaj odšlo iz tvoje neto plače","\"Saving yourself\" means taking the money as salary (paying full income tax) and investing the smaller amount at the same return, with 15% tax on the interest. The employer contribution exists only inside the plan.":"„Lastno varčevanje“ pomeni, da denar prejmeš kot plačo (s polno dohodnino) in manjši znesek vložiš po enakem donosu, s 15 % davka na obresti. Prispevek delodajalca obstaja samo v načrtu.","Payout tax by years in the plan (Law 5078/2023)":"Davek ob izplačilu glede na leta v načrtu (zakon 5078/2023)","Years in plan":"Leta v načrtu","Monthly":"Mesečno","Early, by choice":"Predčasno, po izbiri","Tax is withheld by the insurer and is final. The +50% for early surrender does not apply after age 60 or pension age, on dismissal, employer bankruptcy, or a voluntary-exit scheme. Amounts built up before 2024 keep the old rules (10% up to €40,000, 20% above, for lump sums).":"Davek odtegne zavarovalnica in je dokončen. Dodatnih 50 % za predčasni odkup ne velja po 60. letu ali upokojitveni starosti, ob odpovedi, stečaju delodajalca ali programu prostovoljnega odhoda. Zneski, zbrani pred letom 2024, ohranijo stara pravila (10 % do 40.000 €, 20 % nad tem, za enkratne zneske).","Year by year":"Po letih","You":"Ti","Return":"Donos","Balance":"Stanje","Tax if paid out":"Davek ob izplačilu","Net if paid out":"Neto ob izplačilu","Saving yourself":"Lastno varčevanje","Based on Law 5078/2023 (articles 106–107, amending articles 14–15 of Law 4172/2013) and circular Ε.2060/2024, for contributions from 1/1/2024. The plan return is your assumption, after fees; real returns vary and are not guaranteed. EFKA is assumed to apply to your full gross. Check your plan’s rules (vesting, fees, guaranteed rate) with HR or the insurer.":"Na podlagi zakona 5078/2023 (členi 106–107, ki spreminjajo člena 14–15 zakona 4172/2013) in okrožnice Ε.2060/2024, za prispevke od 1. 1. 2024. Donos načrta je tvoja predpostavka po stroških; dejanski donosi se razlikujejo in niso zajamčeni. Predpostavljeno je, da se EFKA plača od celotnega bruto zneska. Pravila svojega načrta (pridobitev pravic, stroški, zajamčena obrestna mera) preveri v kadrovski službi ali pri zavarovalnici.","Yr ":"Leto ","Balance: ":"Stanje: ","Greece":"Grčija","Germany":"Nemčija","Italy":"Italija","Spain":"Španija","United Kingdom":"Združeno kraljestvo","Country":"Država","Compare countries":"Primerjava držav","How it is calculated":"Kako se izračuna","Rules applied (2026)":"Uporabljena pravila (2026)","Pension by claim age":"Pokojnina po starosti ob uveljavitvi","Gross monthly pension by claim age":"Bruto mesečna pokojnina po starosti ob uveljavitvi","Workplace pension":"Poklicna pokojnina","Plan balance year by year":"Stanje načrta po letih","Tax treatment":"Davčna obravnava","Annual leave rules":"Pravila letnega dopusta","Scale and notice":"Lestvica in odpovedni rok","Same salary, every country":"Ista plača, vse države","Compare":"Primerjaj","Accuracy":"Natančnost","Rent & bills":"Najemnina in stroški","Show money as":"Prikaži denar kot","Nominal EUR":"Nominalni EUR","Purchasing power":"Kupna moč","Every scenario":"Vsi scenariji","Annual pay split by country (EUR)":"Razdelitev letne plače po državah (EUR)","Pension insurance 9.3%":"Pokojninsko zavarovanje 9,3 %","Unemployment 1.3%":"Brezposelnost 1,3 %","Health 7.3% + 1.45% extra":"Zdravstvo 7,3 % + 1,45 % dodatno","Income tax (Lohnsteuer)":"Dohodnina (Lohnsteuer)","Solidarity surcharge":"Solidarnostni dodatek","Church tax":"Cerkveni davek","Kindergeld (paid separately)":"Kindergeld (izplačan ločeno)","IRPEF gross (23/33/43%)":"IRPEF bruto (23/33/43 %)","Work deduction":"Olajšava za delo","Regional surcharge":"Regionalni dodatek","Municipal surcharge":"Občinski dodatek","Tax-wedge bonus (tax-free)":"Bonus za znižanje davčnega klina (neobdavčen)","TFR set aside by employer (paid on leaving)":"TFR, ki ga odvaja delodajalec (izplačan ob odhodu)","Social security 6.50%":"Socialna varnost 6,50 %","Solidarity contribution":"Solidarnostni prispevek","Beckham law: flat 24%":"Zakon Beckham: pavšalnih 24 %","Work-income reduction":"Znižanje dohodka iz dela","IRPF (state + regional)":"IRPF (državni + regionalni)","Income tax 20% / 40% / 45%":"Dohodnina 20 % / 40 % / 45 %","Bonus % of annual salary":"Bonus v % letne plače","Tax class":"Davčni razred","I · single":"I · samska oseba","II · single parent":"II · enostarševska družina","III · married, sole earner":"III · v zakonu, en zaslužek","None":"Brez","Regional surcharge %":"Regionalni dodatek %","Municipal surcharge %":"Občinski dodatek %","Employer INPS %":"INPS delodajalca %","Region (IRPF scale)":"Regija (lestvica IRPF)","General scale":"Splošna lestvica","Catalonia":"Katalonija","Single parent (full child allowance)":"Enostarševska družina (polna olajšava za otroka)","New resident: Beckham law (flat 24% for 6 years)":"Nov rezident: zakon Beckham (pavšalnih 24 % za 6 let)","New resident: impatriati regime (50% of pay exempt, 60% with a child, 5 years)":"Nov rezident: režim impatriati (50 % plače oproščene, 60 % z otrokom, 5 let)","Overtime hours / month":"Nadure / mesec","Overtime premium %":"Dodatek za nadure %","Night hours / month":"Nočne ure / mesec","Night premium %":"Nočni dodatek %","Sunday / holiday hours":"Ure ob nedeljah / praznikih","Sunday premium %":"Nedeljski dodatek %","Contract hours / week":"Pogodbene ure / teden","Yearly invoicing":"Letni promet","Business expenses %":"Poslovni stroški %","Own pension saving % of profit":"Lastno pokojninsko varčevanje % dobička","Profitability coefficient %":"Koeficient donosnosti %","First 5 years: 5% flat tax":"Prvih 5 let: pavšalni davek 5 %","Avg gross / month so far":"Povpr. bruto / mesec doslej","Gross / month from now":"Bruto / mesec od zdaj","Claim pension at age":"Uveljavi pokojnino pri starosti","Real revaluation of contributions %":"Realna revalorizacija prispevkov %","Employer contribution %":"Prispevek delodajalca %","Bonus / year (% of salary)":"Bonus / leto (% plače)","Plan return / year %":"Donos načrta / leto %","Yearly raise %":"Letno povišanje %","Tax & charges on payout %":"Davki in dajatve ob izplačilu %","Send my TFR to the fund":"Pošlji moj TFR v sklad","Employer passes on its NI saving %":"Delodajalec prenese svoj prihranek pri NI %","Leave days in my contract":"Dnevi dopusta v moji pogodbi","Youngest child age":"Starost najmlajšega otroka","Single parent":"Enostarševska družina","Dismissal by employer (with settlement)":"Odpoved delodajalca (z dogovorom)","Dismissal, justified":"Upravičena odpoved","Dismissal ruled unfair (Jobs Act)":"Odpoved, razglašena za nezakonito (Jobs Act)","Unfair dismissal (improcedente)":"Nezakonita odpoved (improcedente)","Objective dismissal (20 days)":"Odpoved iz objektivnih razlogov (20 dni)","End of temporary contract":"Konec pogodbe za določen čas","Redundancy":"Odpoved iz poslovnih razlogov","Dismissal (not redundancy)":"Odpoved (ne iz poslovnih razlogov)","Last day":"Zadnji dan","Settlement: months per year":"Dogovor: mesecev na leto","Notice paid in lieu (months)":"Nadomestilo namesto odpovednega roka (meseci)","Gross / year (EUR)":"Bruto / leto (EUR)","Adults in household":"Odrasli v gospodinjstvu","Include utilities (electricity, heating, water)":"Vključi komunalne stroške (elektrika, ogrevanje, voda)","I am moving there: apply new-resident tax regimes (Greece 5C, Italy impatriati, Spain Beckham)":"Selim se tja: uporabi davčne režime za nove rezidente (Grčija 5C, Italija impatriati, Španija Beckham)","Past avg pay, % of today":"Pretekla povpr. plača, % današnje","At each country’s earliest full-pension age":"Pri najzgodnejši starosti za polno pokojnino v vsaki državi","At the same age everywhere":"Povsod pri isti starosti","Same claim age":"Ista starost ob uveljavitvi","Years of service":"Leta delovne dobe","Countries shown":"Prikazane države","All countries":"Vse države","Greece, Germany, Italy, Spain, UK, France":"Grčija, Nemčija, Italija, Španija, Združeno kraljestvo, Francija","§32a EStG 2026: basic allowance €12,348, rates rising from 14% to 42%, 45% above €277,826. Solidarity surcharge (5.5%) only when income tax exceeds €20,350.":"§32a EStG 2026: osnovna olajšava 12.348 €, stopnje rastejo od 14 % do 42 %, 45 % nad 277.826 €. Solidarnostni dodatek (5,5 %) samo, ko dohodnina preseže 20.350 €.","Social insurance":"Socialno zavarovanje","Employee: pension 9.3% and unemployment 1.3% up to €8,450/month; health 7.3% + half the average 2.9% extra rate, care 1.8% (+0.6% childless from 23, −0.25% per child from the 2nd) up to €5,812.50/month. Employer pays about the same plus ~1.6% levies.":"Zaposleni: pokojnina 9,3 % in brezposelnost 1,3 % do 8.450 €/mesec; zdravstvo 7,3 % + polovica povprečne dodatne stopnje 2,9 %, nega 1,8 % (+0,6 % brez otrok od 23. leta, −0,25 % na otroka od 2. naprej) do 5.812,50 €/mesec. Delodajalec plača približno enako in še ~1,6 % dajatev.","Tax classes and family":"Davčni razredi in družina","Class I single, II single parent (relief €4,260), III married with a low-earning partner (splitting). Kindergeld €259 per child per month is paid separately. Church tax 8% (BY, BW) or 9%.":"Razred I samska oseba, II enostarševska družina (olajšava 4.260 €), III zakonca, eden z nizkim zaslužkom (splitting). Kindergeld 259 € na otroka na mesec se izplačuje ločeno. Cerkveni davek 8 % (BY, BW) ali 9 %.","23% up to €28,000, 33% up to €50,000 (cut from 35% by the 2026 Budget Law), 43% above. Work deduction up to €1,955, zero at €50,000.":"23 % do 28.000 €, 33 % do 50.000 € (znižano s 35 % z zakonom o proračunu za 2026), 43 % nad tem. Olajšava za delo do 1.955 €, nič pri 50.000 €.","Tax-wedge cut":"Znižanje davčnega klina","Tax-free bonus of 7.1% / 5.3% / 4.8% of income up to €8,500 / €15,000 / €20,000; extra €1,000 deduction from €20,000 to €32,000, tapering to zero at €40,000.":"Neobdavčen bonus 7,1 % / 5,3 % / 4,8 % dohodka do 8.500 € / 15.000 € / 20.000 €; dodatna olajšava 1.000 € od 20.000 € do 32.000 €, ki pada do nič pri 40.000 €.","INPS and TFR":"INPS in TFR","Employee 9.19% (+1% above €56,224); employer about 30%. The employer also sets aside TFR (pay ÷ 13.5 each year), paid when you leave. Regional (1.23–3.33%) and municipal (0–0.9%) surcharges: enter yours.":"Zaposleni 9,19 % (+1 % nad 56.224 €); delodajalec približno 30 %. Delodajalec odvaja tudi TFR (plača ÷ 13,5 vsako leto), ki se izplača ob odhodu. Regionalni (1,23–3,33 %) in občinski (0–0,9 %) dodatek: vnesi svojega.","State + regional scale (general reference): 19%, 24%, 30%, 37%, 45%, 47%; regions vary slightly. Personal allowance €5,550; children €2,400 / €2,700 / €4,000 / €4,500, split between parents.":"Državna + regionalna lestvica (splošno izhodišče): 19 %, 24 %, 30 %, 37 %, 45 %, 47 %; regije se nekoliko razlikujejo. Osebna olajšava 5.550 €; otroci 2.400 € / 2.700 € / 4.000 € / 4.500 €, razdeljeno med starša.","Work-income relief":"Olajšava za dohodek iz dela","€2,000 general deduction, plus a reduction of up to €7,302 for net work income up to €14,852, phasing out by €19,747.50.":"Splošni odbitek 2.000 € in znižanje do 7.302 € za neto dohodek iz dela do 14.852 €, ki postopno izgine do 19.747,50 €.","Social security":"Socialna varnost","Employee 6.50% (4.70% common, 1.55% unemployment, 0.10% training, 0.15% MEI) up to €5,101.20/month, plus a small solidarity contribution above it. Employer about 32%. Usually 14 payments.":"Zaposleni 6,50 % (4,70 % skupne nevarnosti, 1,55 % brezposelnost, 0,10 % usposabljanje, 0,15 % MEI) do 5.101,20 €/mesec in majhen solidarnostni prispevek nad tem. Delodajalec približno 32 %. Običajno 14 izplačil.","England, Wales, Northern Ireland 2026/27: personal allowance £12,570 (lost £1 per £2 above £100,000), 20% to £50,270, 40% to £125,140, 45% above. Scotland has its own bands.":"Anglija, Wales, Severna Irska 2026/27: osebna olajšava 12.570 £ (izgubi se 1 £ na vsaka 2 £ nad 100.000 £), 20 % do 50.270 £, 40 % do 125.140 £, 45 % nad tem. Škotska ima lastne razrede.","Employee 8% between £12,570 and £50,270, 2% above. Employer 15% above £5,000 a year.":"Zaposleni 8 % med 12.570 £ in 50.270 £, 2 % nad tem. Delodajalec 15 % nad 5.000 £ na leto.","Not included":"Ni vključeno","Student loan repayments, workplace pension (see Private pension) and benefits in kind. Amounts in pounds sterling.":"Odplačila študentskih posojil, poklicna pokojnina (glej Zasebna pokojnina) in bonitete. Zneski v funtih šterlingih.","payments a year":"izplačil na leto","gross / month":"bruto / mesec","of gross":"bruto zneska","of each extra 1 gross":"od vsake dodatne 1 enote bruto","Social sec.":"Soc. varnost","Your social security":"Tvoji prispevki za socialno varnost","Employer social security":"Prispevki delodajalca za socialno varnost","No legal premium":"Brez zakonskega dodatka","German law sets no overtime premium; it comes from your contract or collective agreement (often 25%). Working time max 10 h/day, 48 h/week on average.":"Nemški zakon ne določa dodatka za nadure; izhaja iz pogodbe ali kolektivne pogodbe (pogosto 25 %). Delovni čas največ 10 h/dan, v povprečju 48 h/teden.","Tax-free supplements":"Neobdavčeni dodatki","Night (up to 25%, 40% from 0–4h), Sunday (up to 50%) and holiday (up to 125%) supplements are free of tax (§3b EStG) and social insurance on hourly pay up to €25. This calculator treats night and Sunday premiums as tax-free.":"Nočni (do 25 %, 40 % od 0–4 h), nedeljski (do 50 %) in praznični (do 125 %) dodatki so oproščeni davka (§3b EStG) in socialnega zavarovanja pri urni postavki do 25 €. Ta kalkulator obravnava nočne in nedeljske dodatke kot neobdavčene.","Set by your CCNL":"Določa ga tvoja CCNL","Overtime premiums come from the national collective agreement, typically 15–30% (night and holiday more). Max 250 overtime hours a year unless the CCNL says otherwise; 48 h/week on average.":"Dodatki za nadure izhajajo iz nacionalne kolektivne pogodbe, običajno 15–30 % (nočni in praznični več). Največ 250 nadur na leto, razen če CCNL določa drugače; v povprečju 48 h/teden.","Overtime is taxed and insured like normal pay, at your marginal IRPEF rate.":"Nadure so obdavčene in zavarovane kot običajna plača, po tvoji mejni stopnji IRPEF.","At least normal pay":"Vsaj običajna plača","Overtime must be paid at no less than the ordinary hourly rate (premium set by agreement) or compensated with time off within 4 months. Max 80 overtime hours a year.":"Nadure morajo biti plačane najmanj po običajni urni postavki (dodatek določa pogodba) ali nadomeščene s prostim časom v 4 mesecih. Največ 80 nadur na leto.","Tax and contributions":"Davek in prispevki","Taxed at your IRPEF rate; structural overtime carries an extra employee contribution of 2% (4.7% for non-structural).":"Obdavčeno po tvoji stopnji IRPF; strukturne nadure nosijo dodaten prispevek zaposlenega 2 % (4,7 % za nestrukturne).","There is no statutory overtime rate; time-and-a-half is common by contract. Average pay must not fall below the National Living Wage (£12.71/h from April 2026). Working week max 48 h on average unless you opt out.":"Zakonske stopnje za nadure ni; po pogodbi je pogosto 1,5-kratna postavka. Povprečno plačilo ne sme pasti pod National Living Wage (12,71 £/h od aprila 2026). Delovni teden največ 48 h v povprečju, razen če se temu odpoveš.","Overtime is taxed and subject to National Insurance like normal pay.":"Nadure so obdavčene in zanje se plača National Insurance kot za običajno plačo.","Overtime":"Nadure","gross extra":"dodatno bruto","hourly rate":"urna postavka","annual salary ÷ 52 ÷ weekly hours":"letna plača ÷ 52 ÷ tedenske ure","net · ":"neto · "," gross":" bruto","of each taxed extra unit":"od vsake obdavčene dodatne enote","10 h / day":"10 h / dan","250 h / year":"250 h / leto","80 h / year":"80 h / leto","48 h / week avg":"48 h / teden povpr.","Legal limit":"Zakonska omejitev","you exceed it":"jo presegaš","More than 80 overtime hours a year exceeds the legal limit in Spain.":"Več kot 80 nadur na leto presega zakonsko omejitev v Španiji.","tax-free":"neobdavčeno","Health & care insurance + own pension":"Zdravstveno in negovalno zavarovanje + lastna pokojnina","Self-employed quota (RETA)":"Kvota za samozaposlene (RETA)","Freiberufler":"Freiberufler","Income tax on profit with the same tariff, no employee tax allowances. Statutory health (14.6% + 2.9% extra) and care insurance on profit (minimum base €1,248.33/month), paid fully by you. No compulsory pension for most freelancers: save privately. Trade tax only for commercial (Gewerbe) activity.":"Dohodnina od dobička po isti tarifi, brez davčnih olajšav za zaposlene. Obvezno zdravstveno (14,6 % + 2,9 % dodatno) in negovalno zavarovanje od dobička (minimalna osnova 1.248,33 €/mesec), ki ju v celoti plačaš ti. Za večino samostojnih poklicev ni obvezne pokojnine: varčuj zasebno. Obrtni davek samo za obrtno (Gewerbe) dejavnost.","Revenue up to €85,000: taxable income = revenue × profitability coefficient (78% for professionals); INPS Gestione Separata 26.07% on it; flat substitute tax 15% (5% in the first 5 years) after deducting INPS. Real expenses are not deductible. No VAT charged.":"Prihodki do 85.000 €: obdavčljivi dohodek = prihodki × koeficient donosnosti (78 % za poklice); INPS Gestione Separata 26,07 % od tega; pavšalni nadomestni davek 15 % (5 % v prvih 5 letih) po odbitku INPS. Dejanski stroški se ne odbijejo. DDV se ne zaračuna.","Monthly RETA quota by real net yield: from €200 (up to €670/month) to €590 (above €6,000/month), 2025 table, 2026 slightly higher. IRPF on profit with the same scale, 5% hard-to-justify expenses (max €2,000), no work-income reduction.":"Mesečna kvota RETA po dejanskem neto donosu: od 200 € (do 670 €/mesec) do 590 € (nad 6.000 €/mesec), tabela 2025, 2026 nekoliko višja. IRPF od dobička po isti lestvici, 5 % težko dokazljivih stroškov (največ 2.000 €), brez znižanja dohodka iz dela.","Sole trader":"Samostojni podjetnik","Income tax on profit with the same bands; Class 4 National Insurance 6% between £12,570 and £50,270, 2% above (Class 2 abolished from April 2024). No employer NI, holiday pay or redundancy.":"Dohodnina od dobička po istih razredih; National Insurance razreda 4 6 % med 12.570 £ in 50.270 £, 2 % nad tem (razred 2 odpravljen od aprila 2024). Brez NI delodajalca, plačanega dopusta ali odpravnine."," of employer cost":" stroška delodajalca"," of invoicing":" prometa","Paid leave, sick pay, severance, unemployment cover":"Plačan dopust, bolniško nadomestilo, odpravnina, zavarovanje za brezposelnost","Above €85,000 the forfettario regime no longer applies.":"Nad 85.000 € režim forfettario ne velja več.","Expenses":"Stroški","Pension points":"Pokojninske točke","Each year earns your gross ÷ average pay (€51,944 in 2026), capped at €101,400. Monthly pension = points × €42.52 (pension value from July 2026, +4.24%).":"Vsako leto prinese tvoj bruto ÷ povprečna plača (51.944 € v 2026), omejeno na 101.400 €. Mesečna pokojnina = točke × 42,52 € (vrednost točke od julija 2026, +4,24 %).","Ages":"Starost","Regular age 67 (born 1964+), minimum 5 years. From 63 with 35 years: −0.3% per month early (max 14.4%). With 45 years: no cut from 65. Working past 67 adds 0.5% per month.":"Redna starost 67 (rojeni 1964+), najmanj 5 let. Od 63 s 35 leti: −0,3 % na mesec prej (največ 14,4 %). S 45 leti: brez znižanja od 65. Delo po 67. letu doda 0,5 % na mesec.","Deductions":"Odtegljaji","Pensioners pay health (7.3% + half the extra rate) and full care insurance; the taxable share of the pension is 84% for 2026 retirees, rising 0.5 points a year.":"Upokojenci plačujejo zdravstvo (7,3 % + polovica dodatne stopnje) in celotno negovalno zavarovanje; obdavčljivi del pokojnine je 84 % za upokojene v 2026 in raste za 0,5 točke na leto.","Contributory system":"Prispevni sistem","33% of pay builds a notional capital, revalued with GDP growth. At retirement it is multiplied by the transformation coefficient for your age (5.608% at 67 in 2025–2026). Paid 13 times a year.":"33 % plače gradi namišljeni kapital, revaloriziran z rastjo BDP. Ob upokojitvi se pomnoži s transformacijskim koeficientom za tvojo starost (5,608 % pri 67 v 2025–2026). Izplačuje se 13-krat na leto.","Old-age pension at 67 with 20 years. Early: any age with 42 years 10 months (women 41y10m), or 64 with 20 years if the pension is at least 3× the social allowance.":"Starostna pokojnina pri 67 z 20 leti. Predčasno: pri kateri koli starosti z 42 leti in 10 meseci (ženske 41 let in 10 mesecev) ali pri 64 z 20 leti, če pokojnina znaša vsaj 3-kratnik socialnega dodatka.","Calculation":"Izračun","Base = average of contribution bases of the last 25 years ÷ 14 per month. 15 years give 50%, rising to 100% at 36.5 years. Max pension €3,359.60 × 14 (2026).":"Osnova = povprečje prispevnih osnov zadnjih 25 let ÷ 14 na mesec. 15 let da 50 %, kar naraste do 100 % pri 36,5 leta. Najvišja pokojnina 3.359,60 € × 14 (2026).","Ordinary age 66y10m in 2026 and 67 from 2027, or 65 with 38.5 years. Voluntary early retirement up to 2 years before with 35 years, cut per month by contribution length; +4% per year for working past ordinary age.":"Redna starost 66 let in 10 mesecev v 2026 in 67 od 2027 ali 65 z 38,5 leta. Prostovoljna predčasna upokojitev do 2 leti prej s 35 leti, znižanje na mesec glede na dolžino zavarovanja; +4 % na leto za delo po redni starosti.","New State Pension":"Nova državna pokojnina","£241.30 a week in 2026/27 with 35 qualifying years of National Insurance; at least 10 years for any pension; proportional in between. Rises each April by the triple lock.":"241,30 £ na teden v 2026/27 s 35 upoštevnimi leti National Insurance; za kakršnokoli pokojnino najmanj 10 let; vmes sorazmerno. Vsak april se zviša po pravilu triple lock.","State Pension age rises to 67 between 2026 and 2028, and to 68 for people born after April 1977 (current law). It cannot be taken early; deferring adds about 5.8% per year.":"Starost za State Pension se med 2026 in 2028 zviša na 67 let, za rojene po aprilu 1977 pa na 68 (veljavni zakon). Predčasno je ni mogoče uveljaviti; odlog doda približno 5,8 % na leto.","gross":"bruto","pension share, whole career":"pokojninski delež, vsa kariera","of your own contributions":"tvojih lastnih prispevkov","Claim age":"Starost ob uveljavitvi","Status":"Status","Net / month":"Neto / mesec","Net / year":"Neto / leto","Your pension contributions":"Tvoji pokojninski prispevki","Including employer":"Vključno z delodajalcem","Lifetime pension ÷ your contributions":"Pokojnina za vse življenje ÷ tvoji prispevki","UK National Insurance also funds other benefits, so \"contributions\" here overstate what pays for the pension.":"Britanski National Insurance financira tudi druge prejemke, zato „prispevki“ tukaj precenjujejo, kar gre za pokojnino.","Amounts in today’s money; pensions assumed to keep pace with inflation.":"Zneski v današnjem denarju; predpostavljeno je, da pokojnine sledijo inflaciji.","Entgeltumwandlung (bAV): up to 8% of the pension ceiling (€8,112 in 2026) is tax-free and up to 4% (€4,056) also free of social insurance. The employer must add 15% of the converted amount when it saves contributions. Payouts are fully taxed and subject to health/care insurance. Converting lowers your future state pension slightly.":"Entgeltumwandlung (bAV): do 8 % pokojninske meje (8.112 € v 2026) je neobdavčenih, do 4 % (4.056 €) pa tudi brez socialnega zavarovanja. Delodajalec mora dodati 15 % pretvorjenega zneska, ko prihrani pri prispevkih. Izplačila so v celoti obdavčena in zanje se plača zdravstveno/negovalno zavarovanje. Pretvorba nekoliko zniža tvojo prihodnjo državno pokojnino.","Fondo pensione: contributions (yours + employer) are deductible up to €5,164.57 a year; TFR can flow into the fund on top. Payouts are taxed at 15%, falling 0.3 points per year of membership after 15 years, down to 9%. Up to 50% can be taken as a lump sum at retirement.":"Fondo pensione: prispevki (tvoji + delodajalčevi) se odbijejo do 5.164,57 € na leto; TFR lahko teče v sklad dodatno. Izplačila so obdavčena s 15 %, kar po 15 letih članstva pada za 0,3 točke na leto, do 9 %. Do 50 % je mogoče ob upokojitvi dvigniti v enkratnem znesku.","Planes de pensiones: contributions reduce the IRPF base up to €1,500 (individual) plus up to €8,500 through an employment plan (€10,000 total with the employer). Payouts are taxed as work income at your rate then; the 40% lump-sum reduction only applies to pre-2007 money.":"Planes de pensiones: prispevki znižajo osnovo IRPF do 1.500 € (individualno) in še do 8.500 € prek poklicnega načrta (skupaj 10.000 € z delodajalcem). Izplačila so obdavčena kot dohodek iz dela po tvoji takratni stopnji; 40-odstotno znižanje za enkratni znesek velja samo za denar pred 2007.","Salary sacrifice: the sacrificed pay is free of income tax and employee NI (8%/2%); the employer saves 15% NI and may pass some on. Annual allowance £60,000. At retirement 25% is tax-free and the rest taxed as income. From April 2029 the NI saving is planned to be capped at £2,000 a year.":"Salary sacrifice: odstopljena plača je oproščena dohodnine in NI zaposlenega (8 %/2 %); delodajalec prihrani 15 % NI in del lahko prenese naprej. Letna omejitev 60.000 £. Ob upokojitvi je 25 % neobdavčenih, ostalo je obdavčeno kot dohodek. Od aprila 2029 naj bi bil prihranek pri NI omejen na 2.000 £ na leto.","Deductible up to €5,164.57 a year, yours plus employer’s.":"Odbitno do 5.164,57 € na leto, tvoje in delodajalčevo skupaj.","Reduces the tax base up to €10,000 a year including the employer (employment plan).":"Zniža davčno osnovo do 10.000 € na leto, vključno z delodajalcem (poklicni načrt).","Salary sacrifice: no income tax or NI on the sacrificed pay. Annual allowance £60,000.":"Salary sacrifice: brez dohodnine in NI na odstopljeno plačo. Letna omejitev 60.000 £.","Saved this year":"Letos prihranjeno","tax + social security":"davek + socialna varnost","Gross / year (incl. bonus)":"Bruto / leto (z bonusom)","Your contribution":"Tvoj prispevek","TFR into the fund":"TFR v sklad","Your contribution / year":"Tvoj prispevek / leto","Relieved from tax":"Oproščeno davka","Free of social security":"Brez prispevkov za socialno varnost","Payout tax & charges":"Davki in dajatve ob izplačilu","New Year":"Novo leto","Ascension Day":"Vnebohod","German Unity Day":"Dan nemške enotnosti","2nd Christmas Day":"2. božični dan","Liberation Day":"Dan osvoboditve","Republic Day":"Dan republike","Ferragosto":"Ferragosto","All Saints":"Vsi sveti","Immaculate Conception":"Brezmadežno spočetje","St Stephen":"Sveti Štefan","Assumption":"Marijino vnebovzetje","National Day":"Državni praznik","Constitution Day":"Dan ustave","Early May bank holiday":"Majski bančni praznik","Spring bank holiday":"Pomladni bančni praznik","Summer bank holiday":"Poletni bančni praznik","Federal Leave Act (BUrlG): at least 24 working days on a 6-day week (20 on 5 days); most contracts give 30. Carry-over to 31 March. National holidays shown; states add 1–4 more (Bavaria up to 13 in total).":"Zvezni zakon o dopustu (BUrlG): najmanj 24 delovnih dni pri 6-dnevnem tednu (20 pri 5 dneh); večina pogodb da 30. Prenos do 31. marca. Prikazani so državni prazniki; zvezne dežele dodajo še 1–4 (Bavarska do 13 skupaj).","Maternity protection (Mutterschutz)":"Varstvo materinstva (Mutterschutz)","6 weeks before and 8 after birth":"6 tednov pred rojstvom in 8 po njem","Full net pay (health insurer + employer)":"Polna neto plača (zdravstvena zavarovalnica + delodajalec)","Parental allowance (Elterngeld)":"Starševski dodatek (Elterngeld)","12 months, +2 if both parents take part; ElterngeldPlus doubles duration at half rate":"12 mesecev, +2, če sodelujeta oba starša; ElterngeldPlus podvoji trajanje pri polovični višini","65–67% of net, €300–1,800/month":"65–67 % neta, 300–1.800 €/mesec","Parental leave (Elternzeit)":"Starševski dopust (Elternzeit)","Up to 3 years per parent until the child is 8":"Do 3 leta na starša, dokler otrok ne dopolni 8 let","Unpaid, job protected":"Neplačan, z varstvom zaposlitve","Sick child days":"Dnevi za bolnega otroka","15 days per child per parent in 2026 (max 35; single parents 30/70), child under 12":"15 dni na otroka na starša v 2026 (največ 35; samohranilci 30/70), otrok do 12 let","Kinderkrankengeld ≈ 90% of net":"Kinderkrankengeld ≈ 90 % neta","Care leave":"Negovalni dopust","10 days short-term for a relative; up to 6 months Pflegezeit":"10 dni kratkoročno za sorodnika; do 6 mesecev Pflegezeit","Care support allowance / unpaid":"Podpora za nego / neplačano","Sick pay":"Bolniško nadomestilo","6 weeks full pay from the employer, then Krankengeld":"6 tednov polne plače od delodajalca, nato Krankengeld","100%, then 70% gross (max 90% net)":"100 %, nato 70 % bruto (največ 90 % neta)","Special leave (§616 BGB)":"Izredni dopust (§616 BGB)","Short paid absences for own wedding, birth, death in family (by contract, often 1–2 days)":"Kratke plačane odsotnosti za lastno poroko, rojstvo, smrt v družini (po pogodbi, pogosto 1–2 dni)","At least 4 weeks a year (Legislative Decree 66/2003), 2 of them consecutive in the year; CCNLs often give 26 days on a 6-day week plus ROL / ex-festività leave hours (often ~100 h/year). Plus the local patron saint’s day.":"Najmanj 4 tedne na leto (zakonodajni odlok 66/2003), od tega 2 zaporedna v letu; CCNL pogosto dajo 26 dni pri 6-dnevnem tednu in ure dopusta ROL / ex-festività (pogosto ~100 h/leto). Poleg tega praznik lokalnega zavetnika.","5 months (2 before + 3 after, or 0 + 5)":"5 mesecev (2 pred + 3 po ali 0 + 5)","80% of pay (often topped up to 100% by CCNL)":"80 % plače (CCNL pogosto doplača do 100 %)","10 working days, from 2 months before to 5 after birth":"10 delovnih dni, od 2 meseca pred do 5 mesecev po rojstvu","Up to 10 months between parents (11 if the father takes 3), until the child is 12":"Do 10 mesecev med staršema (11, če oče vzame 3), dokler otrok ne dopolni 12 let","3 months at 80% (until age 6), then 30%":"3 mesece z 80 % (do 6. leta), nato 30 %","Breastfeeding rest":"Odmor za dojenje","2 hours a day (1 if part-time) in the first year":"2 uri na dan (1 pri krajšem delovnem času) v prvem letu","Sick child leave":"Dopust za bolnega otroka","Unlimited under 3; 10 days a year from 3 to 14 (2026)":"Neomejeno do 3. leta; 10 dni na leto od 3. do 14. leta (2026)","Law 104 leave":"Dopust po zakonu 104","3 days a month to care for a relative with serious disability":"3 dni na mesec za nego sorodnika s hudo invalidnostjo","Paid by INPS":"Plača INPS","Marriage leave":"Poročni dopust","15 calendar days":"15 koledarskih dni","3 days a year":"3 dni na leto","30 calendar days a year (Workers’ Statute art. 38), about 22 working days on a 5-day week; cannot be replaced by money except on leaving. 14 public holidays a year in total: the national ones shown plus regional and 2 local days.":"30 koledarskih dni na leto (zakon o delavcih, čl. 38), približno 22 delovnih dni pri 5-dnevnem tednu; dopusta ni mogoče zamenjati za denar, razen ob odhodu. Skupaj 14 praznikov na leto: prikazani državni ter regionalni in 2 lokalna dneva.","Birth and care leave":"Dopust ob rojstvu in za nego","19 weeks for each parent: 6 compulsory after birth, 11 flexible within 12 months, 2 until age 8":"19 tednov za vsakega starša: 6 obveznih po rojstvu, 11 prožnih v 12 mesecih, 2 do 8. leta","100% of contribution base (Social Security)":"100 % prispevne osnove (socialna varnost)","Breastfeeding leave":"Dopust za dojenje","1 hour a day until 9 months, or about 15 days accumulated":"1 ura na dan do 9. meseca ali približno 15 strnjenih dni","8 weeks until the child is 8":"8 tednov, dokler otrok ne dopolni 8 let","Reduced hours for childcare":"Krajši delovni čas za nego otroka","Cut working time by 1/8 to 1/2 for a child under 12":"Skrajšaj delovni čas za 1/8 do 1/2 za otroka do 12 let","Pay reduced proportionally":"Plača sorazmerno nižja","Force majeure":"Višja sila","Up to 4 days a year for urgent family reasons":"Do 4 dni na leto iz nujnih družinskih razlogov","Family illness or death":"Bolezen ali smrt v družini","5 days (serious illness, hospitalisation); 2 days for death (4 if travel)":"5 dni (huda bolezen, bolnišnično zdravljenje); 2 dni ob smrti (4, če je potrebno potovanje)","Marriage":"Poroka","5.6 weeks a year (28 days on a 5-day week, capped at 28) under the Working Time Regulations; employers may count the 8 bank holidays within it. Holidays shown are England & Wales.":"5,6 tedna na leto (28 dni pri 5-dnevnem tednu, največ 28) po Working Time Regulations; delodajalec lahko vanje všteje 8 bančnih praznikov. Prikazani prazniki veljajo za Anglijo in Wales.","52 weeks, 39 of them paid":"52 tednov, od tega 39 plačanih","6 weeks at 90%, then £194.32/week (SMP 2026/27)":"6 tednov z 90 %, nato 194,32 £/teden (SMP 2026/27)","2 weeks within 52 weeks of birth":"2 tedna v 52 tednih po rojstvu","£194.32/week or 90% if lower":"194,32 £/teden ali 90 %, če je nižje","Shared parental leave":"Deljeni starševski dopust","Up to 50 weeks shared, 37 paid":"Do 50 tednov deljeno, 37 plačanih","£194.32/week":"194,32 £/teden","Unpaid parental leave":"Neplačan starševski dopust","18 weeks per child until 18, max 4 weeks a year":"18 tednov na otroka do 18. leta, največ 4 tedne na leto","Time off for dependants":"Prosto za vzdrževane osebe","Reasonable time for emergencies":"Primeren čas za nujne primere","Usually unpaid":"Običajno neplačano","Carer’s leave":"Negovalni dopust","1 week a year":"1 teden na leto","Statutory sick pay":"Zakonsko bolniško nadomestilo","Up to 28 weeks":"Do 28 tednov","£123.25/week":"123,25 £/teden","national, on working days":"državni, na delovne dni","leave + holidays":"dopust + prazniki","at your daily pay":"po tvoji dnevni plači","Legal minimum":"Zakonski minimum","Your contract":"Tvoja pogodba","You are entitled to":"Pripada ti","Notice (§622 BGB)":"Odpovedni rok (§622 BGB)","Employer notice: 4 weeks, then 1 month after 2 years, 2 after 5, 3 after 8, 4 after 10, 5 after 12, 6 after 15, 7 after 20 years, to the month end. Employee: 4 weeks.":"Odpovedni rok delodajalca: 4 tedne, nato 1 mesec po 2 letih, 2 po 5, 3 po 8, 4 po 10, 5 po 12, 6 po 15, 7 po 20 letih, do konca meseca. Zaposleni: 4 tedne.","No general legal right. In practice settled at about 0.5 month’s pay per year of service (§1a KSchG). Taxed as income using the one-fifth rule (now claimed in the annual return), no social insurance.":"Splošne zakonske pravice ni. V praksi se dogovori približno 0,5 mesečne plače na leto delovne dobe (§1a KSchG). Obdavčeno kot dohodek po pravilu ene petine (zdaj se uveljavlja v letni napovedi), brez socialnega zavarovanja.","Unemployment benefit (ALG I)":"Nadomestilo za brezposelnost (ALG I)","60% of net pay (67% with children) for 12 months, up to 24 from age 58 with long insurance. Resigning triggers a 12-week block.":"60 % neto plače (67 % z otroki) za 12 mesecev, do 24 od 58. leta z dolgim zavarovanjem. Lastna odpoved sproži 12-tedensko zaporo.","Every year the employer sets aside pay ÷ 13.5 (less 0.5%), revalued at 1.5% + 75% of inflation; paid on any termination and taxed separately at your average rate.":"Vsako leto delodajalec odvede plača ÷ 13,5 (manj 0,5 %), revalorizirano za 1,5 % + 75 % inflacije; izplača se ob vsakem prenehanju in je obdavčeno ločeno po tvoji povprečni stopnji.","Unfair dismissal (Jobs Act)":"Nezakonita odpoved (Jobs Act)","For contracts from 2015: 2 months’ pay per year of service, minimum 6, maximum 36 (smaller firms less).":"Za pogodbe od 2015: 2 mesečni plači na leto delovne dobe, najmanj 6, največ 36 (manjša podjetja manj).","75% of average monthly pay up to €1,456.72 plus 25% above, max €1,584.70 (2026); for half the weeks worked in the last 4 years (max 24 months), falling 3% a month from the 6th month. Not after resignation.":"75 % povprečne mesečne plače do 1.456,72 € in 25 % nad tem, največ 1.584,70 € (2026); za polovico tednov dela v zadnjih 4 letih (največ 24 mesecev), od 6. meseca pada za 3 % na mesec. Ne po lastni odpovedi.","Unfair dismissal: 33 days’ pay per year (45 for service before 12/02/2012), max 24 months. Objective dismissal: 20 days per year, max 12 months. End of temporary contract: 12 days per year. Tax-free up to the legal amount (max €180,000).":"Nezakonita odpoved: 33 dni plače na leto (45 za delovno dobo pred 12. 2. 2012), največ 24 mesecev. Odpoved iz objektivnih razlogov: 20 dni na leto, največ 12 mesecev. Konec pogodbe za določen čas: 12 dni na leto. Neobdavčeno do zakonskega zneska (največ 180.000 €).","Final settlement (finiquito)":"Končni obračun (finiquito)","Unused holidays and the pro-rata part of the extra payments are always paid. Objective dismissal requires 15 days’ notice.":"Neizrabljen dopust in sorazmerni del dodatnih izplačil se vedno izplačajo. Odpoved iz objektivnih razlogov zahteva 15-dnevni odpovedni rok.","Unemployment benefit (paro)":"Nadomestilo za brezposelnost (paro)","70% of the base for 6 months, 60% to month 12, then 50%; between ~€560 and €1,225–1,575 a month; 4 to 24 months depending on contributions in the last 6 years. Not after resignation.":"70 % osnove 6 mesecev, 60 % do 12. meseca, nato 50 %; med ~560 € in 1.225–1.575 € na mesec; 4 do 24 mesecev glede na prispevke v zadnjih 6 letih. Ne po lastni odpovedi.","Statutory redundancy":"Zakonska odpravnina ob presežnosti","After 2 years: for each full year (max 20) ½ week’s pay under 22, 1 week 22–40, 1½ weeks from 41; weekly pay capped at £751 (max £22,530). First £30,000 of termination payments is tax-free.":"Po 2 letih: za vsako polno leto (največ 20) ½ tedenske plače do 22. leta, 1 teden od 22 do 40, 1½ tedna od 41; tedenska plača omejena na 751 £ (največ 22.530 £). Prvih 30.000 £ plačil ob prenehanju je neobdavčenih.","At least 1 week after a month, then 1 week per full year up to 12 weeks. Pay in lieu of notice is taxed as earnings.":"Najmanj 1 teden po enem mesecu, nato 1 teden na vsako polno leto do 12 tednov. Nadomestilo namesto odpovednega roka je obdavčeno kot zaslužek.","About £95.55 a week (25+, estimate 2026/27) for up to 182 days if you have enough NI contributions.":"Približno 95,55 £ na teden (25+, ocena 2026/27) do 182 dni, če imaš dovolj prispevkov NI.","4 weeks":"4 tedne","Settlement (Abfindung)":"Dogovor (Abfindung)","yrs":"let","mo pay (typical)":"mes. plač (običajno)","Settlement":"Dogovor","Notice paid in lieu":"Nadomestilo namesto odpovednega roka","Unfair-dismissal indemnity":"Odškodnina za nezakonito odpoved","15 days":"15 dni","Extra payment, pro rata":"Dodatno izplačilo, sorazmerno","Days per year":"Dni na leto","Maximum":"Največ","Unfair":"Nezakonita","before 2012":"pred 2012","Objective":"Objektivna","Temporary contract end":"Konec pogodbe za določen čas","statutory minimum":"zakonski minimum","£95.55 / week for 26 weeks (estimate)":"95,55 £ / teden za 26 tednov (ocena)","Age in each year":"Starost v vsakem letu","Weeks per year":"Tednov na leto","under 22":"do 22","Weekly pay cap":"Omejitev tedenske plače","TFR + indemnity":"TFR + odškodnina","net":"neto","Each extra <b>{h}</b> of gross pay leaves you <b>{k}</b> net: {p} goes to tax and social security.":"Vsakih dodatnih <b>{h}</b> bruto plače ti pusti <b>{k}</b> neto: {p} gre za davek in socialno varnost.","You are <b>{d}</b> below the next tax band ({a} → {b}).":"Do naslednjega davčnega razreda ti manjka <b>{d}</b> ({a} → {b}).","You are in the top tax band ({a}).":"Si v najvišjem davčnem razredu ({a}).","Your tax credit ({c}) shrinks by 20 for every 1,000 of taxable income above 12,000, which adds 2 points to your marginal rate until it reaches zero at {z}.":"Tvoja davčna olajšava ({c}) se zmanjša za 20 za vsakih 1.000 obdavčljivega dohodka nad 12.000, kar tvoji mejni stopnji doda 2 točki, dokler pri {z} ne pade na nič.","Putting 10% of your salary ({c} a year) into a group pension plan would cut your income tax by about <b>{s}</b> a year (see the Private pension tab).":"Vplačilo 10 % plače ({c} na leto) v skupinski pokojninski načrt bi ti dohodnino znižalo za približno <b>{s}</b> na leto (glej zavihek Zasebna pokojnina).","You are paying a <b>{p}</b> penalty for not spending 30% of your income electronically. Spending another {q} by card would avoid it.":"Plačuješ <b>{p}</b> kazni, ker 30 % dohodka ne porabiš elektronsko. Še {q} porabe s kartico bi to kazen odpravilo.","Keep spending at least <b>{q}</b> a year by card or e-payment (30% of your income, max 20,000), or a 22% penalty applies to the shortfall.":"Še naprej porabi vsaj <b>{q}</b> na leto s kartico ali e-plačili (30 % dohodka, največ 20.000), sicer se na primanjkljaj obračuna 22 % kazni.","Your bonus is taxed at your top rate: you keep <b>{n}</b> of {b} ({p}).":"Tvoj bonus je obdavčen po najvišji stopnji: od {b} ti ostane <b>{n}</b> ({p}).","Another child would lower your yearly tax by about <b>{s}</b>.":"Še en otrok bi tvoj letni davek znižal za približno <b>{s}</b>.","Under 26 in 2026: 0% income tax on the first 20,000 of taxable income.":"Mlajši od 26 let v 2026: 0 % dohodnine na prvih 20.000 obdavčljivega dohodka.","Aged 26–30 in 2026: the 10,000–20,000 band is taxed at 9% instead of 20%.":"Stari 26–30 let v 2026: razred 10.000–20.000 je obdavčen z 9 % namesto 20 %.","Moving your tax residence back to Greece after 5+ years abroad? Art. 5C would save about <b>{s}</b> a year for 7 years.":"Davčno rezidentstvo prenašaš nazaj v Grčijo po 5+ letih v tujini? Čl. 5C bi 7 let prihranil približno <b>{s}</b> na leto.","You are entitled to {n} paid school-visit days a year (4 per school-age child): see the Leave tab.":"Pripada ti {n} plačanih dni za obiske v šoli na leto (4 na šoloobveznega otroka): glej zavihek Dopust.","Converting 4% of your salary ({c} a year) into a company pension (bAV) saves about <b>{s}</b> in tax and social insurance, and your employer must add {e}.":"Pretvorba 4 % plače ({c} na leto) v poklicno pokojnino (bAV) prihrani približno <b>{s}</b> davka in socialnega zavarovanja, delodajalec pa mora dodati {e}.","Paying the maximum deductible {c} a year into a pension fund saves about <b>{s}</b> of income tax.":"Vplačilo najvišjega odbitnega zneska {c} na leto v pokojninski sklad prihrani približno <b>{s}</b> dohodnine.","Paying {c} a year into a personal pension plan lowers your IRPF by about <b>{s}</b>.":"Vplačilo {c} na leto v osebni pokojninski načrt zniža tvoj IRPF za približno <b>{s}</b>.","A 5% salary-sacrifice pension contribution ({c} a year) saves about <b>{s}</b> in income tax and National Insurance.":"Pokojninski prispevek 5 % prek salary sacrifice ({c} na leto) prihrani približno <b>{s}</b> dohodnine in National Insurance.","Moving to Italy from abroad? The impatriati regime would add about <b>{s}</b> a year to your net pay for 5 years.":"Se seliš v Italijo iz tujine? Režim impatriati bi tvoji neto plači 5 let dodal približno <b>{s}</b> na leto.","Moving to Spain from abroad? The Beckham law (flat 24%) would add about <b>{s}</b> a year to your net pay.":"Se seliš v Španijo iz tujine? Zakon Beckham (pavšalnih 24 %) bi tvoji neto plači dodal približno <b>{s}</b> na leto.","At this salary the Beckham law (flat 24%) would not help: the normal scale is cheaper.":"Pri tej plači zakon Beckham (pavšalnih 24 %) ne bi pomagal: običajna lestvica je cenejša.","Church tax costs you <b>{s}</b> a year.":"Cerkveni davek te stane <b>{s}</b> na leto.","On top of your salary you receive Kindergeld of <b>{a}</b> a year.":"Poleg plače prejemaš Kindergeld v višini <b>{a}</b> na leto.","Between £100,000 and £125,140 you lose your personal allowance, an effective 60% rate. A pension contribution through salary sacrifice can bring you back below £100,000.":"Med 100.000 £ in 125.140 £ izgubiš osebno olajšavo, kar pomeni efektivno stopnjo 60 %. Pokojninski prispevek prek salary sacrifice te lahko vrne pod 100.000 £.","Above £60,000 the High Income Child Benefit Charge claws back child benefit (all of it at £80,000).":"Nad 60.000 £ High Income Child Benefit Charge odvzame otroški dodatek (pri 80.000 £ v celoti).","Your region matters: compared with your current choice, Madrid would give you {m} and Catalonia {c} a year.":"Regija je pomembna: v primerjavi s tvojo sedanjo izbiro bi Madrid dal {m}, Katalonija pa {c} na leto.","Your marginal rate is unusually high here because a tax deduction is being phased out as income rises.":"Tvoja mejna stopnja je tu nenavadno visoka, ker se davčni odbitek z rastjo dohodka postopno odpravlja.","Enter your partner’s gross salary to see the household together.":"Vnesi bruto plačo partnerja in poglej gospodinjstvo skupaj.","Assegno Unico per child / month":"Assegno Unico na otroka / mesec","Partner":"Partner","Household":"Gospodinjstvo","Net / month (÷12)":"Neto / mesec (÷12)","Child benefit / year":"Otroški dodatek / leto","Childcare / year":"Varstvo otrok / leto","Household money / month":"Denar gospodinjstva / mesec","Child benefit (Α21) uses the combined family income.":"Otroški dodatek (Α21) upošteva skupni družinski dohodek.","Assegno Unico depends on your ISEE: from 58.50 to 204.40 per child per month in 2026. Enter yours.":"Assegno Unico je odvisen od tvojega ISEE: od 58,50 do 204,40 na otroka na mesec v 2026. Vnesi svojega.","Spain has no universal child benefit; family relief comes through IRPF allowances.":"Španija nima univerzalnega otroškega dodatka; družinska pomoč poteka prek olajšav IRPF.","Child benefit £27.05 a week for the first child and £17.90 for each other child (2026/27), reduced above £60,000 for the higher earner.":"Otroški dodatek 27,05 £ na teden za prvega otroka in 17,90 £ za vsakega naslednjega (2026/27), znižan nad 60.000 £ za tistega z višjim zaslužkom.","Kindergeld €259 per child per month (2026).":"Kindergeld 259 € na otroka na mesec (2026).","Tax classes for married couples":"Davčni razredi za zakonce","Classes IV / IV: household net per month":"Razreda IV / IV: neto gospodinjstva na mesec","Classes III / V: household net per month":"Razreda III / V: neto gospodinjstva na mesec","Final yearly tax with joint filing (splitting)":"Končni letni davek pri skupni napovedi (splitting)","Tax if each of you were assessed alone":"Davek, če bi bil vsak odmerjen posebej","III/V or IV/IV only changes how much is withheld each month; the tax return settles both to the same joint tax. Splitting saves {s} a year compared with being taxed individually. The class V figure is an approximation.":"III/V ali IV/IV spremeni samo, koliko se odtegne vsak mesec; letna napoved oba poravna na enak skupni davek. Splitting prihrani {s} na leto v primerjavi z ločeno obdavčitvijo. Znesek za razred V je približek.","Two years of your salary":"Dve leti tvoje plače","Your salary in both years, in the same money":"Tvoja plača v obeh letih, v istem denarju","Key takeaways":"Ključne ugotovitve","What you needed to earn each year to keep up with prices":"Koliko je bilo treba zaslužiti vsako leto, da bi plača sledila cenam","The numbers":"Številke","Same money, different countries: where purchasing power fell most":"Isti denar, različne države: kje je kupna moč najbolj padla","Enter your gross monthly salary in a recent year and in an earlier year (up to 20 years before). Prices are the national consumer price index of the country selected above.":"Vnesi bruto mesečno plačo v nedavnem letu in v prejšnjem letu (do 20 let nazaj). Cene so nacionalni indeks cen življenjskih potrebščin države, izbrane zgoraj.","Recent year":"Nedavno leto","Gross / month in the recent year":"Bruto / mesec v nedavnem letu","Earlier year (up to 20 years before)":"Prejšnje leto (do 20 let nazaj)","Gross / month in the earlier year":"Bruto / mesec v prejšnjem letu","Amount to compare (in each country’s currency)":"Znesek za primerjavo (v valuti vsake države)","Purchasing power {a} → {b} · {c}":"Kupna moč {a} → {b} · {c}","Your net pay buys {p} more than in {a}":"Tvoja neto plača kupi {p} več kot v letu {a}","Your net pay buys {p} less than in {a}":"Tvoja neto plača kupi {p} manj kot v letu {a}","Your gross pay buys {p} more than in {a}":"Tvoja bruto plača kupi {p} več kot v letu {a}","Your gross pay buys {p} less than in {a}":"Tvoja bruto plača kupi {p} manj kot v letu {a}","Prices":"Cene","{x} in {a} = {y} in {b}":"{x} v letu {a} = {y} v letu {b}","Your pay, nominal":"Tvoja plača, nominalno","{x} → {y} gross / month":"{x} → {y} bruto / mesec","Your {a} salary in {b} money":"Tvoja plača iz leta {a} v denarju iz leta {b}","gross / month you need to keep up":"bruto / mesec, ki ga potrebuješ, da slediš cenam","Gross needed for the same real net":"Potreben bruto za enak realni neto","per month in {b}, to take home as much as in {a}":"na mesec v letu {b}, da odneseš domov toliko kot v letu {a}","Gap per month":"Razlika na mesec","{y} a year":"{y} na leto","{a} as paid":"{a} kot izplačano","{a} in {b} money":"{a} v denarju iz leta {b}","Net / month (regular salary)":"Neto / mesec (redna plača)","Kept after tax and contributions":"Ostane po davku in prispevkih","Real change":"Realna sprememba","Salary needed to keep your {a} purchasing power":"Plača, potrebna za ohranitev kupne moči iz leta {a}","Your salary ({a} and {b})":"Tvoja plača ({a} in {b})","Prices in {c} rose <b>{p}</b> between {a} and {b}: what cost {x} in {a} cost {y} in {b}.":"Cene ({c}) so se med letoma {a} in {b} zvišale za <b>{p}</b>: kar je v letu {a} stalo {x}, je v letu {b} stalo {y}.","Your gross pay changed by {s} while prices rose {p}: in real terms you earn <b>{r} more</b>.":"Tvoja bruto plača se je spremenila za {s}, cene pa so se zvišale za {p}: realno zaslužiš <b>{r} več</b>.","Your gross pay changed by {s} while prices rose {p}: in real terms you earn <b>{r} less</b>, like a pay cut of {m} a month in {b} money.":"Tvoja bruto plača se je spremenila za {s}, cene pa so se zvišale za {p}: realno zaslužiš <b>{r} manj</b>, kot bi se ti plača znižala za {m} na mesec v denarju iz leta {b}.","Tax and EFKA: you kept {k1} of your gross in {a} and {k2} in {b}, so your real net pay changed by <b>{rn}</b> (gross: {rg}).":"Davek in EFKA: v letu {a} ti je ostalo {k1} bruto zneska, v letu {b} pa {k2}, zato se je tvoja realna neto plača spremenila za <b>{rn}</b> (bruto: {rg}).","To take home the same real net pay as in {a}, you would need <b>{g}</b> gross a month in {b}; you earn {d} more than that.":"Za enako realno neto plačo kot v letu {a} bi bilo v letu {b} potrebnih <b>{g}</b> bruto na mesec; zaslužiš {d} več od tega.","To take home the same real net pay as in {a}, you would need <b>{g}</b> gross a month in {b}; you earn {d} less than that.":"Za enako realno neto plačo kot v letu {a} bi bilo v letu {b} potrebnih <b>{g}</b> bruto na mesec; zaslužiš {d} manj od tega.","<b>{m} months</b> of work in {b} buy what a full year of work bought in {a}.":"<b>{m} mesecev</b> dela v letu {b} kupi toliko kot celo leto dela v letu {a}.","The biggest yearly price rise in this period was {v} in {y}; prices fell in {n} of the years.":"Največja letna rast cen v tem obdobju je bila {v} v letu {y}; cene so padle v {n} letih.","The biggest yearly price rise in this period was {v} in {y}.":"Največja letna rast cen v tem obdobju je bila {v} v letu {y}.","Average inflation was {v} a year; at that pace prices double every {d} years.":"Povprečna inflacija je bila {v} na leto; pri tem tempu se cene podvojijo vsakih {d} let.","Type your gross salary for {a}. Until you do, the earlier salary is the one that would have kept the same purchasing power ({v}), so the result shows no change.":"Vpiši svojo bruto plačo za leto {a}. Dokler je ne vpišeš, je prejšnja plača tista, ki bi ohranila enako kupno moč ({v}), zato rezultat ne kaže spremembe.","Net pay over time is calculated only for Greece, where the app holds the tax and EFKA rules of every year since 2006. For {c} this comparison uses gross pay.":"Neto plača skozi čas je izračunana samo za Grčijo, kjer aplikacija hrani davčna pravila in pravila EFKA za vsako leto od 2006. Za državo {c} ta primerjava uporablja bruto plačo.","The same amount of money in {a} and in {b}, in each country’s own currency (pounds for the UK). The only difference is local inflation: the higher it was, the more purchasing power savings and frozen salaries lost.":"Enak znesek denarja v letih {a} in {b}, v lastni valuti vsake države (funti za Združeno kraljestvo). Edina razlika je lokalna inflacija: višja kot je bila, več kupne moči so izgubili prihranki in zamrznjene plače.","Biggest loss of purchasing power":"Največja izguba kupne moči","Smallest loss":"Najmanjša izguba","{v} of the value gone":"{v} vrednosti izgubljene","{c}: rank":"{c}: mesto","{n} of 5":"{n} od 5","1 = biggest loss":"1 = največja izguba","Purchasing power lost, {a} → {b}":"Izgubljena kupna moč, {a} → {b}","What money from {a} is worth over time (% of what it bought in {a})":"Koliko je skozi čas vreden denar iz leta {a} (% tega, kar je kupil v letu {a})","Prices {a} → {b}":"Cene {a} → {b}","{x} in {a} = in {b}":"{x} v letu {a} = v letu {b}","{x} kept since {a} is worth":"{x}, prihranjenih od leta {a}, je vrednih","Purchasing power lost":"Izgubljena kupna moč","Average inflation / year":"Povprečna inflacija / leto","Highest year":"Najvišje leto","Purchasing power fell most in <b>{c1}</b>: {x} kept since {a} buys only what {v1} bought then. It fell least in <b>{c2}</b> ({v2}).":"Kupna moč je najbolj padla v državi <b>{c1}</b>: {x}, prihranjenih od leta {a}, kupi samo toliko, kot je takrat kupilo {v1}. Najmanj je padla v državi <b>{c2}</b> ({v2}).","Inflation: annual average of the national consumer price index. ELSTAT (Greece, editable in the Assumptions table of the Salary tab), Destatis VPI (Germany), ISTAT NIC (Italy), INE IPC (Spain), ONS CPI (UK). 2026 is an estimate from data to August and the European Commission spring 2026 and Bank of England August 2026 forecasts. Checked October 2026.":"Inflacija: letno povprečje nacionalnega indeksa cen življenjskih potrebščin. ELSTAT (Grčija, uredljivo v tabeli Predpostavke v zavihku Plača), Destatis VPI (Nemčija), ISTAT NIC (Italija), INE IPC (Španija), ONS CPI (Združeno kraljestvo). 2026 je ocena iz podatkov do avgusta ter pomladanske napovedi Evropske komisije 2026 in avgustovske napovedi Bank of England 2026. Preverjeno oktobra 2026.","The average salary in each country: what it really buys":"Povprečna plača v vsaki državi: kaj resnično kupi","Average gross salary per full-time employee, as paid in each country, and its purchasing power: converted with purchasing power parities into the same basket of goods, so a higher number really buys more. Years follow your choice above (OECD data go up to {l}).":"Povprečna bruto plača na zaposlenega s polnim delovnim časom, kot je izplačana v vsaki državi, in njena kupna moč: preračunana s pariteto kupne moči v isto košarico dobrin, zato višja številka res kupi več. Leta sledijo tvoji izbiri zgoraj (podatki OECD segajo do leta {l}).","Highest purchasing power, {y}":"Najvišja kupna moč, {y}","Lowest purchasing power, {y}":"Najnižja kupna moč, {y}","buys {x}× the average salary in {c}":"kupi {x}× toliko kot povprečna plača ({c})","{v} in purchasing power a year":"{v} kupne moči na leto","Biggest real gain, {a} → {b}":"Največja realna rast, {a} → {b}","Biggest real fall, {a} → {b}":"Največji realni padec, {a} → {b}","Smallest real gain, {a} → {b}":"Najmanjša realna rast, {a} → {b}","Purchasing power of the average salary, {a}–{b}":"Kupna moč povprečne plače, {a}–{b}","Average salary in {y}, in purchasing power (Greece = 100)":"Povprečna plača v letu {y} v kupni moči (Grčija = 100)","Purchasing power (2025 PPP dollars)":"Kupna moč (dolarji PKM 2025)","Index, Greece = 100":"Indeks, Grčija = 100","Average salary {y} (as paid)":"Povprečna plača {y} (kot izplačana)","Per month {y} (÷12)":"Na mesec {y} (÷12)","Change as paid":"Sprememba kot izplačano","Real change (after inflation)":"Realna sprememba (po inflaciji)","Purchasing power {y}":"Kupna moč {y}","Greece = 100":"Grčija = 100","Rank":"Mesto","With the average salary, purchasing power in {y} was highest in <b>{c1}</b> and lowest in <b>{c2}</b>: the average salary in {c1} buys <b>{x}×</b> what the average salary in {c2} buys.":"S povprečno plačo je bila kupna moč v letu {y} najvišja v državi <b>{c1}</b> in najnižja v državi <b>{c2}</b>: povprečna plača ({c1}) kupi <b>{x}×</b> toliko kot povprečna plača ({c2}).","From {a} to {b} its purchasing power rose most in <b>{c3}</b> ({r3}) and least in <b>{c4}</b> ({r4}).":"Od {a} do {b} je njena kupna moč najbolj zrasla v državi <b>{c3}</b> ({r3}) in najmanj v državi <b>{c4}</b> ({r4}).","From {a} to {b} its purchasing power rose most in <b>{c3}</b> ({r3}) and fell most in <b>{c4}</b> ({r4}).":"Od {a} do {b} je njena kupna moč najbolj zrasla v državi <b>{c3}</b> ({r3}) in najbolj padla v državi <b>{c4}</b> ({r4}).","From {a} to {b} its purchasing power fell least in <b>{c3}</b> ({r3}) and most in <b>{c4}</b> ({r4}).":"Od {a} do {b} je njena kupna moč najmanj padla v državi <b>{c3}</b> ({r3}) in najbolj v državi <b>{c4}</b> ({r4}).","Your gross salary of {v} a year is <b>{p}</b> of the average salary in {c} ({a}, {y}).":"Tvoja bruto plača {v} na leto je <b>{p}</b> povprečne plače ({c}, {a}, {y}).","{y} has no OECD figure yet, so {l} is used for the recent year.":"Za leto {y} še ni podatka OECD, zato se za nedavno leto uporabi leto {l}.","Source: OECD, Average annual wages (AV_AN_WAGE, 2025 release): gross wage per full-time equivalent employee in the whole economy. Purchasing power uses OECD constant 2025 prices and 2025 US dollar purchasing power parities, which remove price-level differences between countries. Real change uses constant national prices. As paid is in each country’s own currency (pounds for the UK). These are averages, which are pulled up by high earners; the typical (median) worker earns less.":"Vir: OECD, povprečne letne plače (AV_AN_WAGE, izdaja 2025): bruto plača na zaposlenega v ekvivalentu polnega delovnega časa v celotnem gospodarstvu. Kupna moč uporablja stalne cene OECD iz 2025 in paritete kupne moči v ameriških dolarjih iz 2025, ki odpravijo razlike v ravni cen med državami. Realna sprememba uporablja stalne nacionalne cene. „Kot izplačano“ je v lastni valuti vsake države (funti za Združeno kraljestvo). To so povprečja, ki jih dvigujejo visoki zaslužki; tipičen (medianski) zaposleni zasluži manj.","Housing (rent or mortgage)":"Stanovanje (najemnina ali kredit)","Food and groceries":"Hrana in živila","Transport and car":"Prevoz in avto","Bills (power, water, phone, internet)":"Računi (elektrika, voda, telefon, internet)","Children and school":"Otroci in šola","Leisure and eating out":"Prosti čas in prehrana zunaj","Loan repayments (not the home)":"Odplačila posojil (brez stanovanja)","Other":"Drugo","Vacations (per year)":"Počitnice (na leto)","Financial planner":"Finančni načrtovalnik","Your money":"Tvoj denar","Monthly expenses (net amounts)":"Mesečni stroški (neto zneski)","Financial health":"Finančno zdravje","When could you stop working?":"Kdaj lahko nehaš delati?","Your savings over the years":"Tvoji prihranki skozi leta","Where you could spend less":"Kje lahko porabiš manj","More ideas for you":"Več idej zate","Amounts in today’s money. The planner uses the country, children and pension settings of the other tabs, and the state pension rules of the selected country.":"Zneski v današnjem denarju. Načrtovalnik uporablja nastavitve države, otrok in pokojnine iz drugih zavihkov ter pravila državne pokojnine izbrane države.","Gross / month now":"Bruto / mesec zdaj","Years worked so far":"Doslej delovnih let","Average gross / month so far":"Povprečni bruto / mesec doslej","Savings and deposits now":"Prihranki in depoziti zdaj","Return on savings above inflation (% / year)":"Donos prihrankov nad inflacijo (% / leto)","Real pay rise (% / year)":"Realno povišanje plače (% / leto)","Plan until age":"Načrt do starosti","Show the benefit of spending less over (years)":"Pokaži korist manjše porabe v (letih)","Test: I want to stop working at age":"Test: z delom želim nehati pri starosti","Earliest age you could stop working · {c}":"Najzgodnejša starost za konec dela · {c}","with your current spending, keeping enough money until age {p}":"pri sedanji porabi, z dovolj denarja do starosti {p}","not before 75 with your current spending; see the ideas below":"ne pred 75 pri sedanji porabi; glej ideje spodaj","Not before 75":"Ne pred 75","Net income / month":"Neto dohodek / mesec","average of the year, incl. extra salaries":"povprečje leta, z dodatnimi plačami","Spending / month":"Poraba / mesec","vacations spread over 12 months":"počitnice, razporejene na 12 mesecev","Saved / month":"Prihranjeno / mesec","{p} of your net income":"{p} tvojega neto dohodka","With smarter spending":"S pametnejšo porabo","earliest stop age if you cut the categories below":"najzgodnejša starost za konec dela, če zmanjšaš spodnje kategorije","age {a}":"starost {a}","now":"zdaj","Strong":"Močno","Healthy":"Zdravo","Watch":"Pozor","Weak":"Šibko","Overall score":"Skupna ocena","Income":"Dohodek","Your net income is {r}× your spending.":"Tvoj neto dohodek je {r}× tvoja poraba.","Savings rate":"Stopnja varčevanja","You save {p} of your net income (aim for 15–20%).":"Prihraniš {p} neto dohodka (cilj je 15–20 %).","Debt":"Dolg","Loan repayments take {p} of your net income (keep it under 10–15%).":"Odplačila posojil vzamejo {p} neto dohodka (naj bo pod 10–15 %).","No loan repayments besides your home.":"Razen stanovanja ni odplačil posojil.","Housing":"Stanovanje","Housing takes {p} of your net income (healthy up to about 28%).":"Stanovanje vzame {p} neto dohodka (zdravo je do približno 28 %).","Emergency fund":"Rezervni sklad","Your savings cover {m} months of spending (aim for 3–6).":"Prihranki pokrijejo {m} mesecev porabe (cilj je 3–6).","Retirement":"Upokojitev","You could stop at {a}; the full state pension starts at {f}.":"Nehaš lahko pri {a}; polna državna pokojnina se začne pri {f}.","At this pace you would need to keep working past 75.":"S tem tempom bi bilo treba delati še po 75. letu.","Earliest stop, current habits":"Najzgodnejši konec, sedanje navade","Earliest stop, smarter spending":"Najzgodnejši konec, pametnejša poraba","If you stop working today":"Če z delom nehaš danes","Your test: stop at {a}":"Tvoj test: konec pri {a}","State pension from {a}: {v} net / month":"Državna pokojnina od {a}: {v} neto / mesec","No state pension: fewer than the minimum years of contributions":"Brez državne pokojnine: manj kot minimalna leta prispevkov","Money left at {p}: {v}":"Preostali denar pri {p}: {v}","Your savings last <b>1 year</b> (until age {a})":"Prihranki zadostujejo za <b>1 leto</b> (do starosti {a})","Your savings last <b>{n} years</b> (until age {a})":"Prihranki zadostujejo za <b>{n} let</b> (do starosti {a})","Your savings and pension cover you <b>for life</b> (to {p})":"Prihranki in pokojnina te pokrijejo <b>za vse življenje</b> (do {p})","<b>Works</b>: your money lasts until {p}":"<b>Gre</b>: denar zadošča do {p}","<b>Not enough</b>: money runs out at {a}. Save {m} more a month until then, or spend less.":"<b>Ne zadošča</b>: denarja zmanjka pri {a}. Do takrat prihrani {m} več na mesec ali porabi manj.","Type an age in the Test box to check a stop age of your own.":"V polje Test vpiši starost in preveri lastno starost za konec dela.","Current habits (stop at {a})":"Sedanje navade (konec pri {a})","Smarter spending (stop at {a})":"Pametnejša poraba (konec pri {a})","Your test (stop at {a})":"Tvoj test (konec pri {a})","Keep working until the state pension ({a})":"Delo do državne pokojnine ({a})","Category":"Kategorija","You spend / month":"Porabiš / mesec","% of net income":"% neto dohodka","Suggested ceiling":"Priporočena zgornja meja","Possible saving / month":"Možen prihranek / mesec","Over {n} years (with return)":"V {n} letih (z donosom)","within":"v okviru","Suggested ceilings are common budgeting guidelines as a share of net income (in the spirit of the 50/30/20 rule: about half for needs, up to 30% for wants, at least 20% saved). Children: 6% per child, up to 18%. Cutting every category above its ceiling saves {m} a month: <b>{x}</b> after {n} years at your return, and you could stop working at <b>{a}</b> instead of {b}.":"Priporočene zgornje meje so običajna proračunska vodila kot delež neto dohodka (v duhu pravila 50/30/20: približno polovica za potrebe, do 30 % za želje, vsaj 20 % prihrankov). Otroci: 6 % na otroka, do 18 %. Zmanjšanje vsake kategorije nad njeno mejo prihrani {m} na mesec: <b>{x}</b> po {n} letih pri tvojem donosu, z delom pa lahko nehaš pri <b>{a}</b> namesto pri {b}.","All your categories are within the suggested ceilings. Well done.":"Vse tvoje kategorije so v okviru priporočenih meja. Odlično.","<b>Target to stop today:</b> you would need about {v} in savings; you have {p} of it.":"<b>Cilj za konec danes:</b> potrebnih bi bilo približno {v} prihrankov; imaš {p} tega zneska.","<b>Each {h} a month</b> you save from now on adds {v} by age {a} and moves your stop age to {s}.":"<b>Vsakih {h} na mesec</b>, ki jih prihraniš od zdaj naprej, doda {v} do starosti {a} in premakne starost za konec dela na {s}.","<b>Each {h} a month</b> you save from now on adds {v} by age {a}.":"<b>Vsakih {h} na mesec</b>, ki jih prihraniš od zdaj naprej, doda {v} do starosti {a}.","<b>Return matters:</b> earning 1 point more on your savings would let you stop at {s}.":"<b>Donos šteje:</b> z 1 točko višjim donosom prihrankov lahko nehaš pri {s}.","<b>Pension gap:</b> your state pension covers {p} of your spending; the rest must come from savings.":"<b>Pokojninska vrzel:</b> državna pokojnina pokrije {p} tvoje porabe; ostalo morajo dati prihranki.","<b>Spending less in retirement:</b> many people spend 20–30% less once work costs, loans and children stop. With 20% less after you stop, you could stop at {s}.":"<b>Manjša poraba v pokoju:</b> veliko ljudi porabi 20–30 % manj, ko odpadejo stroški dela, posojila in otroci. Z 20 % manjšo porabo po koncu dela lahko nehaš pri {s}.","<b>Spending more than you earn:</b> you are using {v} of savings a month. Fix this first; nothing else works until it is positive.":"<b>Porabiš več, kot zaslužiš:</b> vsak mesec porabiš {v} prihrankov. To uredi najprej; nič drugega ne deluje, dokler ni pozitivno.","How it works: each year, savings grow at your real return, plus your net pay minus spending while you work; after you stop, spending is paid from savings and, once it starts, from the full state pension (claimed at the first age with no reduction, based on the years worked until you stop). Everything is in today’s money, with today’s tax and pension rules. Private pensions, property, inheritance and taxes on investment returns are not included. This is a planning estimate, not financial advice.":"Kako deluje: vsako leto prihranki rastejo po tvojem realnem donosu, med delom pa se doda neto plača minus poraba; po koncu dela se poraba plačuje iz prihrankov in, ko se začne, iz polne državne pokojnine (uveljavljene pri prvi starosti brez znižanja, na podlagi let dela do konca). Vse je v današnjem denarju, po današnjih davčnih in pokojninskih pravilih. Zasebne pokojnine, nepremičnine, dediščine in davki na donose naložb niso vključeni. To je ocena za načrtovanje, ne finančni nasvet.","Empty fields use what you entered in the Salary and Pension tabs (shown greyed); type a value to override it.":"Prazna polja uporabijo vnose iz zavihkov Plača in Pokojnina (prikazano sivo); vpiši vrednost, da jo zamenjaš.","Typical rent in your area (optional)":"Običajna najemnina na tvojem območju (neobvezno)","Spending falls from age":"Poraba se zmanjša od starosti","…and again from age":"…in ponovno od starosti","by (per month, today’s money)":"za (na mesec, v današnjem denarju)","your local rent":"tvoja lokalna najemnina","<b>Lower spending later:</b> from age {a} your spending falls by {v} a month in today’s money ({p} of today’s spending). This is included in all the results above.":"<b>Manjša poraba pozneje:</b> od starosti {a} se tvoja poraba zmanjša za {v} na mesec v današnjem denarju ({p} današnje porabe). To je vključeno v vse zgornje rezultate.","<b>How the ceilings work:</b> for needs (housing, food, transport, bills) the ceiling is the higher of the typical cost in your country and a share of your income (housing 28%, food 14%, transport 10%, bills 7%), so you are never asked to spend less than a typical household. Typical costs come only from open official statistics: Eurostat household budget survey (average spending on food, utilities, phone/internet and transport; rent paid by households renting at market price, using the EU-SILC share of renters), updated to 2026 with the price index of each category; for the UK, the ONS average private rent (August 2026) and ONS inflation. They are scaled to your household ({a} adult(s), {k} child(ren)) with the OECD equivalence scale; housing and utilities are scaled half as much because they have strong economies of scale. National averages include older, cheaper contracts: if rents where you live are higher, type the typical rent of your area. Wants (leisure 45%, vacations 35%, other 20%) share what is left after needs, loan repayments and a 10% saving, up to 30% of income; what you do not use in one goes to the others.":"<b>Kako delujejo meje:</b> za potrebe (stanovanje, hrana, prevoz, računi) je meja višja od dveh vrednosti: običajnega stroška v tvoji državi in deleža tvojega dohodka (stanovanje 28 %, hrana 14 %, prevoz 10 %, računi 7 %), tako da od tebe nikoli ne pričakujemo manjše porabe od tipičnega gospodinjstva. Običajni stroški izhajajo samo iz odprtih uradnih statistik: Eurostatova anketa o porabi gospodinjstev (povprečna poraba za hrano, komunalne storitve, telefon/internet in prevoz; najemnina gospodinjstev, ki najemajo po tržni ceni, z deležem najemnikov po EU-SILC), posodobljena na 2026 z indeksom cen vsake kategorije; za Združeno kraljestvo povprečna zasebna najemnina ONS (avgust 2026) in inflacija ONS. Prilagojeni so tvojemu gospodinjstvu (odrasli: {a}, otroci: {k}) z lestvico ekvivalentnosti OECD; stanovanje in komunalne storitve se prilagodijo le za polovico, ker imajo veliko ekonomijo obsega. Nacionalna povprečja vključujejo starejše, cenejše pogodbe: če so najemnine tam, kjer živiš, višje, vpiši običajno najemnino svojega območja. Želje (prosti čas 45 %, počitnice 35 %, drugo 20 %) si delijo, kar ostane po potrebah, odplačilih posojil in 10 % prihrankov, do 30 % dohodka; kar v eni ostane neporabljeno, gre drugim.","Typical cost ({c})":"Običajni strošek ({c})","{p} of net income":"{p} neto dohodka","typical cost in {c}":"običajni strošek ({c})","{p} of your income":"{p} tvojega dohodka","6% of income per child":"6 % dohodka na otroka","10% of income (debt limit)":"10 % dohodka (meja za dolg)","share of what is left":"delež preostanka","<b>Money for wants:</b> after needs, loan repayments and saving 10%, you have <b>{w}</b> a month for leisure, vacations and other spending.":"<b>Denar za želje:</b> po potrebah, odplačilih posojil in 10 % prihrankov ti ostane <b>{w}</b> na mesec za prosti čas, počitnice in drugo porabo.","<b>Money for wants:</b> after needs, loan repayments and saving 10%, nothing is left, so the ceilings for leisure, vacations and other spending are 0.":"<b>Denar za želje:</b> po potrebah, odplačilih posojil in 10 % prihrankov ne ostane nič, zato so meje za prosti čas, počitnice in drugo porabo 0.","Cutting every category above its ceiling saves {m} a month: <b>{x}</b> after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"Zmanjšanje vsake kategorije nad njeno mejo prihrani {m} na mesec: <b>{x}</b> po {n} letih, z delom pa lahko nehaš pri <b>{s2}</b> namesto pri {s1}.","My salary is":"Moja plača je","Gross (before tax)":"Bruto (pred davki)","Net (what I receive, payslip)":"Neto (kar prejmem, plačilna lista)","Net / month now (payslip)":"Neto / mesec zdaj (plačilna lista)","Return on savings (% / year)":"Donos prihrankov (% / leto)","Expected inflation (% / year)":"Pričakovana inflacija (% / leto)","Pay rise (% / year)":"Povišanje plače (% / leto)","Future money (with inflation)":"Prihodnji denar (z inflacijo)","Today’s money":"Današnji denar","Expenses are in today’s money; every year they rise with inflation, also after you stop working, and so does the state pension. Your pay rises by the pay rise you enter and savings earn the return you enter. The planner uses the country, children and pension settings of the other tabs.":"Stroški so v današnjem denarju; vsako leto rastejo z inflacijo, tudi po koncu dela, enako velja za državno pokojnino. Tvoja plača raste po vnesenem povišanju, prihranki pa prinašajo vneseni donos. Načrtovalnik uporablja nastavitve države, otrok in pokojnine iz drugih zavihkov.","from your net salary; ≈ {g} gross / month":"od tvoje neto plače; ≈ {g} bruto / mesec","Money left at {p}: {v} ({r} in today’s money)":"Preostali denar pri {p}: {v} ({r} v današnjem denarju)","How it works: each year your savings earn the return you enter. While you work you add your net pay (rising by your pay rise) and pay your expenses (rising with inflation). After you stop, expenses keep rising with inflation and are paid from savings and, once it starts, from the full state pension, which also rises with inflation (claimed at the first age with no reduction, based on the years worked until you stop). If your pay rises faster than inflation, your pension is higher too. A return equal to inflation means your savings only keep their value. Today’s tax and pension rules; private pensions, property, inheritance and taxes on investment returns are not included. This is a planning estimate, not financial advice.":"Kako deluje: vsako leto prihranki prinesejo vneseni donos. Med delom dodajaš neto plačo (ki raste s povišanjem) in plačuješ stroške (ki rastejo z inflacijo). Po koncu dela stroški še naprej rastejo z inflacijo in se plačujejo iz prihrankov in, ko se začne, iz polne državne pokojnine, ki prav tako raste z inflacijo (uveljavljene pri prvi starosti brez znižanja, na podlagi let dela do konca). Če plača raste hitreje od inflacije, je višja tudi pokojnina. Donos, enak inflaciji, pomeni, da prihranki le ohranijo vrednost. Današnja davčna in pokojninska pravila; zasebne pokojnine, nepremičnine, dediščine in davki na donose naložb niso vključeni. To je ocena za načrtovanje, ne finančni nasvet.","purchasing power, in Greek euros":"kupna moč v grških evrih","nominal EUR":"nominalni EUR","Worked example: what the same salary really buys":"Primer: kaj ista plača res kupi","Greece is the reference: there you keep {gr} a year.":"Grčija je izhodišče: tam ti ostane {gr} na leto.","<b>{c}</b>: you keep {net}{fx}, {d} than in Greece. Prices are {pd} (price level {pl} vs {pgr}), so this buys what <b>{pp}</b> buys in Greece: {ppd} purchasing power.":"<b>{c}</b>: ostane ti {net}{fx}, {d} kot v Grčiji. Cene so {pd} (raven cen {pl} proti {pgr}), zato to kupi toliko kot <b>{pp}</b> v Grčiji: {ppd} kupne moči."," (= {eur} at {rate} £ per €)":" (= {eur} po {rate} £ za €)"," (= {eur} at {rate} per €)":" (= {eur} po {rate} za €)","{x} more":"{x} več","{x} less":"{x} manj","{x} higher":"{x} višje","{x} lower":"{x} nižje","Bottom line: on this salary {best} gives the most purchasing power and {worst} the least.":"Bistvo: pri tej plači daje največ kupne moči {best}, najmanj pa {worst}.","Highest purchasing power":"Najvišja kupna moč"," / year in Greek euros":" / leto v grških evrih","Gross used":"Uporabljeni bruto","per year in every country":"na leto v vsaki državi","Cheapest country":"Najcenejša država","price level ":"raven cen ","Annual pay split by country":"Razdelitev letne plače po državah","Net / payment":"Neto / izplačilo","Net in EUR":"Neto v EUR","Price level":"Raven cen","Purchasing power (Greek €)":"Kupna moč (grški €)","Employer cost (EUR)":"Strošek delodajalca (EUR)","Gross for same buying power as Greece":"Bruto za enako kupno moč kot v Grčiji","Highest pension (buying power)":"Najvišja pokojnina (kupna moč)"," / month in Greek euros":" / mesec v grških evrih","at age ":"pri starosti ","Career assumed":"Predpostavljena kariera","Pensions side by side":"Pokojnine drug ob drugi","Payments":"Izplačila","Buying power / month (Greek €)":"Kupna moč / mesec (grški €)","age ":"starost ","Same career in every country: the gross salary on the left converted at each country’s usual number of payments, past years at the chosen % of today’s pay. \"Earliest full-pension age\" is the first age without an early-retirement cut (Greece 62 with 40 years or 67; Germany 67 or 65 with 45 years; Italy 67 or with 42y10m; Spain 65 with 38.5 years or 67; UK State Pension age 67/68). Amounts in today’s money. UK contributions are National Insurance, which also funds other benefits.":"Ista kariera v vsaki državi: bruto plača na levi, preračunana na običajno število izplačil v vsaki državi, pretekla leta pri izbranem % današnje plače. „Najzgodnejša starost za polno pokojnino“ je prva starost brez znižanja za predčasno upokojitev (Grčija 62 s 40 leti ali 67; Nemčija 67 ali 65 s 45 leti; Italija 67 ali z 42 leti in 10 meseci; Španija 65 z 38,5 leta ali 67; Združeno kraljestvo starost za State Pension 67/68). Zneski v današnjem denarju. Britanski prispevki so National Insurance, ki financira tudi druge prejemke.","Net pension / year":"Neto pokojnina / leto","none (full severance instead)":"nič (namesto tega polna odpravnina)","Settlement 0.5 month’s pay per year (customary, not a legal right)":"Dogovor 0,5 mesečne plače na leto (običaj, ne zakonska pravica)","TFR (accrued deferred pay) + 1 month’s notice in lieu; no extra indemnity for a justified dismissal":"TFR (zbrana odložena plača) + 1 mesec nadomestila namesto odpovednega roka; pri upravičeni odpovedi brez dodatne odškodnine","by CCNL, ~1 month":"po CCNL, ~1 mesec","mo":"mes.","£95.55/wk × 26":"95,55 £/teden × 26","Most protective":"Najbolj zaščitna"," incl. unemployment benefit, Greek €":" z nadomestilom za brezposelnost, grški €"," years":" let","no-fault dismissal by the employer":"odpoved delodajalca brez krivde zaposlenega","What you get when dismissed":"Kaj dobiš ob odpovedi","Termination side by side":"Prenehanje zaposlitve drug ob drugem","Severance rule":"Pravilo za odpravnino","Severance net":"Odpravnina neto","= months of gross pay":"= mesecev bruto plače","Unused leave, net":"Neizrabljen dopust, neto","Unemployment benefit (total)":"Nadomestilo za brezposelnost (skupaj)","Total in Greek €":"Skupaj v grških €","A no-fault dismissal by the employer in each country: Greece without notice; Germany with the customary settlement; Italy a justified objective dismissal (TFR is deferred pay you earned anyway); Spain an objective dismissal; UK redundancy. Unfair dismissals pay more (Spain 33 days/year, Italy 6–36 months). Unemployment benefits are estimates and need enough contributions.":"Odpoved delodajalca brez krivde zaposlenega v vsaki državi: Grčija brez odpovednega roka; Nemčija z običajnim dogovorom; Italija upravičena odpoved iz objektivnih razlogov (TFR je odložena plača, ki si jo prislužiš v vsakem primeru); Španija odpoved iz objektivnih razlogov; Združeno kraljestvo presežnost. Nezakonite odpovedi prinesejo več (Španija 33 dni/leto, Italija 6–36 mesecev). Nadomestila za brezposelnost so ocene in zahtevajo dovolj prispevkov.","Unused leave":"Neizrabljen dopust","17 weeks full pay + 9 months at minimum wage":"17 tednov polne plače + 9 mesecev minimalne plače","14 working days, full pay":"14 delovnih dni, polna plača","4 months per parent until 8 (2 paid at minimum wage)":"4 mesece na starša do 8. leta (2 plačana v višini minimalne plače)","First 3 days 50%, then EFKA benefit + employer top-up":"Prvi 3 dnevi 50 %, nato nadomestilo EFKA + doplačilo delodajalca","14 weeks full net pay (Mutterschutz)":"14 tednov polne neto plače (Mutterschutz)","No separate leave; 2 partner months of Elterngeld":"Brez posebnega dopusta; 2 partnerska meseca Elterngeld","Up to 3 years each; Elterngeld 65–67% of net for 12–14 months (max €1,800)":"Do 3 leta vsak; Elterngeld 65–67 % neta za 12–14 mesecev (največ 1.800 €)","6 weeks at 100% from employer, then 70% (Krankengeld)":"6 tednov 100 % od delodajalca, nato 70 % (Krankengeld)","5 months at 80% (often 100% by CCNL)":"5 mesecev z 80 % (po CCNL pogosto 100 %)","10 working days at 100%":"10 delovnih dni s 100 %","Up to 10–11 months shared until 12; 3 at 80%, rest 30%":"Do 10–11 mesecev deljeno do 12. leta; 3 z 80 %, ostalo 30 %","INPS 50–66% + employer top-up (often 100%)":"INPS 50–66 % + doplačilo delodajalca (pogosto 100 %)","19 weeks at 100% (each parent)":"19 tednov s 100 % (vsak starš)","19 weeks at 100% (same as mother)":"19 tednov s 100 % (enako kot mati)","8 weeks unpaid until 8":"8 tednov neplačano do 8. leta","60% days 4–20, 75% from day 21 (often topped up)":"60 % od 4. do 20. dne, 75 % od 21. dne (pogosto z doplačilom)","52 weeks: 6 at 90%, 33 at £194.32/week, 13 unpaid":"52 tednov: 6 z 90 %, 33 po 194,32 £/teden, 13 neplačanih","2 weeks at £194.32/week":"2 tedna po 194,32 £/teden","Shared parental up to 50 weeks; 18 weeks unpaid per child until 18":"Deljeni starševski do 50 tednov; 18 tednov neplačano na otroka do 18. leta","£123.25 a week (SSP)":"123,25 £ na teden (SSP)","Most paid days off (legal minimum)":"Največ plačanih prostih dni (zakonski minimum)"," days incl. holidays":" dni s prazniki","Longest paid birth leave":"Najdaljši plačani dopust ob rojstvu","for the mother":"za mater","Leave side by side":"Dopust drug ob drugem","Annual leave, legal minimum (5-day week)":"Letni dopust, zakonski minimum (5-dnevni teden)","typical ":"običajno ","after ":"po ","incl. bank holidays":"z bančnimi prazniki","Public holidays on weekdays":"Prazniki na delovne dni","can be inside the 28":"lahko so znotraj 28","Total paid days off":"Skupaj plačanih prostih dni","Maternity":"Materinstvo","Father / partner":"Oče / partner","Legal minimums for a 5-day week; contracts and collective agreements often give more (Germany typically 30 days, Italy 22–26 plus ROL hours). National holidays only: German states, Spanish regions and Italian cities add 1–4 local days.":"Zakonski minimumi za 5-dnevni teden; pogodbe in kolektivne pogodbe pogosto dajo več (Nemčija običajno 30 dni, Italija 22–26 in ure ROL). Samo državni prazniki: nemške dežele, španske regije in italijanska mesta dodajo 1–4 lokalne dni.","Public holidays":"Prazniki","Most money left after housing":"Največ denarja po stanovanju"," / month in Greek prices":" / mesec v grških cenah","Highest housing burden":"Največje stanovanjsko breme"," of net pay goes to housing":" neto plače gre za stanovanje","adults + children":"odrasli + otroci","Money left each month after rent and bills, in Greek prices":"Denar, ki ostane vsak mesec po najemnini in računih, v grških cenah","Countries side by side (per month)":"Države drug ob drugi (na mesec)","Typical rent":"Običajna najemnina","Utilities, phone, internet":"Komunalne storitve, telefon, internet","Left after housing":"Ostane po stanovanju","Housing % of net":"Stanovanje % neta","Price level (EU=100)":"Raven cen (EU=100)","Left, in Greek prices":"Ostane, v grških cenah","Typical national costs from open official statistics only: average rent paid by renting households and spending on utilities, phone and internet (Eurostat household budget survey and EU-SILC, updated to 2026 prices with each category’s price index; UK: ONS average private rent), scaled to the household on the left. Price levels: Eurostat 2024. Non-euro amounts are converted at ECB reference rates of 5 October 2026. Big cities, especially their rents, are usually more expensive than these national averages.":"Običajni nacionalni stroški samo iz odprtih uradnih statistik: povprečna najemnina gospodinjstev, ki najemajo, in poraba za komunalne storitve, telefon in internet (Eurostatova anketa o porabi gospodinjstev in EU-SILC, posodobljeno na cene 2026 z indeksom cen vsake kategorije; Združeno kraljestvo: povprečna zasebna najemnina ONS), prilagojeno gospodinjstvu na levi. Ravni cen: Eurostat 2024. Zneski v drugih valutah so preračunani po referenčnih tečajih ECB z dne 5. oktobra 2026. Velika mesta, zlasti njihove najemnine, so običajno dražja od teh nacionalnih povprečij.","Left after housing (EUR)":"Ostane po stanovanju (EUR)","Same, in Greek prices":"Enako, v grških cenah","Benefits":"Prejemki","Wage tax + Soli, €30,000, class I":"Davek na plačo + Soli, 30.000 €, razred I","Wage tax + Soli, €54,000, class I":"Davek na plačo + Soli, 54.000 €, razred I","Wage tax + Soli, €80,000, class I":"Davek na plačo + Soli, 80.000 €, razred I","Wage tax + Soli, €120,000, class I":"Davek na plačo + Soli, 120.000 €, razred I","Wage tax, €54,000, class III":"Davek na plačo, 54.000 €, razred III","Wage tax, €54,000, class I, 1 child":"Davek na plačo, 54.000 €, razred I, 1 otrok","Taxable €20,000, no children":"Obdavčljivo 20.000 €, brez otrok","Taxable €20,000, 2 children":"Obdavčljivo 20.000 €, 2 otroka","Taxable €30,000, 1 child":"Obdavčljivo 30.000 €, 1 otrok","Taxable €30,000, 4 children":"Obdavčljivo 30.000 €, 4 otroci","Taxable €50,000, no children":"Obdavčljivo 50.000 €, brez otrok","Taxable €30,000, age 24":"Obdavčljivo 30.000 €, starost 24","Income tax + NI, £42,000":"Dohodnina + NI, 42.000 £","Income tax + NI, £110,000 (allowance taper)":"Dohodnina + NI, 110.000 £ (zniževanje olajšave)","INPS employee, RAL €35,000":"INPS zaposlenega, RAL 35.000 €","Employee social security, €30,000":"Socialna varnost zaposlenega, 30.000 €","Employee social insurance, €54,000, childless":"Socialno zavarovanje zaposlenega, 54.000 €, brez otrok","Net pay, RAL €35,000 (surcharges 1.43% + 0.8%)":"Neto plača, RAL 35.000 € (dodatka 1,43 % + 0,8 %)","National pension, 20+ years, 40 years in Greece":"Nacionalna pokojnina, 20+ let, 40 let v Grčiji","National pension, 15 years":"Nacionalna pokojnina, 15 let","Standard pension: 45 years at average pay, age 67 (gross / month)":"Standardna pokojnina: 45 let s povprečno plačo, starost 67 (bruto / mesec)","Yearly pension from €100,000 notional capital at 67":"Letna pokojnina iz 100.000 € namišljenega kapitala pri 67","Maximum pension 2026 (high earner, 45 years)":"Najvišja pokojnina 2026 (visok zaslužek, 45 let)","100% of the base with 37 years (base €2,000)":"100 % osnove s 37 leti (osnova 2.000 €)","Full new State Pension, 35 years (per year)":"Polna nova State Pension, 35 let (na leto)","Wage tax, €20,000, class I":"Davek na plačo, 20.000 €, razred I","Wage tax, €40,000, class I":"Davek na plačo, 40.000 €, razred I","Wage tax, €65,000, class I":"Davek na plačo, 65.000 €, razred I","Wage tax + Soli, €100,000, class I":"Davek na plačo + Soli, 100.000 €, razred I","Wage tax + Soli, €250,000, class I (45% band)":"Davek na plačo + Soli, 250.000 €, razred I (razred 45 %)","Wage tax, €40,000, class II, 1 child":"Davek na plačo, 40.000 €, razred II, 1 otrok","Wage tax, €80,000, class III, 2 children (care-insurance child discount)":"Davek na plačo, 80.000 €, razred III, 2 otroka (popust za otroke pri negovalnem zavarovanju)","Taxable €10,000, no children":"Obdavčljivo 10.000 €, brez otrok","Taxable €20,000, 3 children":"Obdavčljivo 20.000 €, 3 otroci","Taxable €40,000, 2 children":"Obdavčljivo 40.000 €, 2 otroka","Taxable €50,000, 4 children":"Obdavčljivo 50.000 €, 4 otroci","Taxable €20,000, age 24":"Obdavčljivo 20.000 €, starost 24","Work-income reduction at €20,000 gross":"Znižanje dohodka iz dela pri 20.000 € bruto","Low-wage deduction at €17,276 gross":"Olajšava za nizke plače pri 17.276 € bruto","Employer NI, £42,000":"NI delodajalca, 42.000 £","Employee EFKA 13.37%, €1,500 × 14":"EFKA zaposlenega 13,37 %, 1.500 € × 14","Monthly EFKA at the €7,761.94 ceiling (gross €10,000)":"Mesečna EFKA pri meji 7.761,94 € (bruto 10.000 €)","INPS employee, RAL €25,000":"INPS zaposlenega, RAL 25.000 €","INPS employee, RAL €50,000":"INPS zaposlenega, RAL 50.000 €","Employee social security, €20,000":"Socialna varnost zaposlenega, 20.000 €","Employee social security, €50,000":"Socialna varnost zaposlenega, 50.000 €","Net pay, RAL €25,000 (Bari)":"Neto plača, RAL 25.000 € (Bari)","Net pay, RAL €50,000 (Milan)":"Neto plača, RAL 50.000 € (Milano)","Early pension at 62 with 15 years: lifelong cut":"Predčasna pokojnina pri 62 s 15 leti: trajno znižanje","Full pension at 62 with 40 years: cut":"Polna pokojnina pri 62 s 40 leti: znižanje","Early pension at 63 with 35 years: cut":"Predčasna pokojnina pri 63 s 35 leti: znižanje","15 years of contributions: 50% of the base (base €2,000)":"15 let prispevkov: 50 % osnove (osnova 2.000 €)","State Pension with 10 qualifying years (per year)":"State Pension z 10 upoštevnimi leti (na leto)","Group pension, lump sum after 25 years: tax rate":"Skupinska pokojnina, enkratni znesek po 25 letih: davčna stopnja","Group pension, monthly pension after 12 years: tax rate":"Skupinska pokojnina, mesečna pokojnina po 12 letih: davčna stopnja","Group pension, early lump sum after 3 years: tax rate":"Skupinska pokojnina, predčasni enkratni znesek po 3 letih: davčna stopnja","Severance after 3 years (months of pay)":"Odpravnina po 3 letih (mesečne plače)","Severance after 16+ years (months of pay)":"Odpravnina po 16+ letih (mesečne plače)","Maximum statutory redundancy pay":"Najvišja zakonska odpravnina ob presežnosti","NASpI monthly maximum":"Mesečni maksimum NASpI","Kindergeld, 2 children (per year)":"Kindergeld, 2 otroka (na leto)","Child benefit, 2 children (per year)":"Otroški dodatek, 2 otroka (na leto)","Checks passed":"Opravljene preverbe","within €25 or 0.5% of the official figure":"znotraj 25 € ali 0,5 % uradnega zneska","Largest difference":"Največja razlika","per year":"na leto","Areas covered":"Zajeta področja","tax, contributions, net pay, state and private pensions, termination, benefits":"davek, prispevki, neto plača, državne in zasebne pokojnine, prenehanje zaposlitve, prejemki","Accuracy checks against official sources":"Preverbe natančnosti glede na uradne vire","Case (2026)":"Primer (2026)","Official":"Uradno","This app":"Ta aplikacija","Source":"Vir","Pensions: official 2026 amounts (Greek national pension, German pension value, Italian transformation coefficients, Spanish maximum pension and scale, UK State Pension). Germany tax: official BMF wage-tax interface (Lohnsteuer 2026). Greece: tax table for Law 5246/2025. Italy and Spain: published 2026 calculations (Spain on the general scale; Spanish payroll withholding can differ slightly from the final annual tax). UK: HMRC 2026/27 rates applied by hand. Data last checked October 2026. Social-security rates, ceilings and pension rules were checked separately against 2026 official notices (see each country’s rules).":"Pokojnine: uradni zneski za 2026 (grška nacionalna pokojnina, nemška vrednost točke, italijanski transformacijski koeficienti, španska najvišja pokojnina in lestvica, britanska State Pension). Davek v Nemčiji: uradni vmesnik BMF za davek na plačo (Lohnsteuer 2026). Grčija: davčna tabela za zakon 5246/2025. Italija in Španija: objavljeni izračuni za 2026 (Španija po splošni lestvici; španski odtegljaj pri plači se lahko nekoliko razlikuje od končnega letnega davka). Združeno kraljestvo: stopnje HMRC 2026/27, uporabljene ročno. Podatki zadnjič preverjeni oktobra 2026. Stopnje socialne varnosti, meje in pokojninska pravila so bili ločeno preverjeni glede na uradna obvestila za 2026 (glej pravila vsake države).","New-resident regimes applied: Greece art. 5C (income tax on 50% of pay, 7 years), Italy impatriati (50% exempt, 60% with a minor child, 5 years), Spain Beckham law (flat 24%, 6 years). Germany has no such regime; the UK taxes UK work in full (its 4-year regime covers foreign income and up to 30% of pay for workdays abroad). Conditions apply, e.g. not tax-resident there in recent years.":"Uporabljeni režimi za nove rezidente: Grčija čl. 5C (dohodnina na 50 % plače, 7 let), Italija impatriati (50 % oproščeno, 60 % z mladoletnim otrokom, 5 let), Španija zakon Beckham (pavšalnih 24 %, 6 let). Nemčija takega režima nima; Združeno kraljestvo delo v državi obdavči v celoti (njegov 4-letni režim zajema tuje dohodke in do 30 % plače za delovne dni v tujini). Veljajo pogoji, npr. da tam v zadnjih letih ni bilo davčnega rezidentstva.","Estimates for guidance only, using 2026 rules for {c}. {caveat} For exact figures, check your payslip or a tax adviser. {res}":"Ocene so zgolj informativne, po pravilih za 2026 za državo {c}. {caveat} Za natančne zneske preveri plačilno listo ali vprašaj davčnega svetovalca. {res}","Estimates for guidance only. Overtime premiums usually come from your contract or collective agreement, so enter yours; tax is estimated at your 2026 marginal rate for {c}. {res}":"Ocene so zgolj informativne. Dodatki za nadure običajno izhajajo iz pogodbe ali kolektivne pogodbe, zato vnesi svoje; davek je ocenjen po tvoji mejni stopnji za 2026 za državo {c}. {res}","Simplified comparison using 2026 rules for {c}. Real business costs, VAT, tax prepayments and payment timing are not modelled, and freelancers give up paid leave, sick pay and dismissal protection. Talk to an accountant before switching. {res}":"Poenostavljena primerjava po pravilih za 2026 za državo {c}. Dejanski poslovni stroški, DDV, akontacije davka in časovni potek plačil niso upoštevani, samozaposleni pa se odpovedo plačanemu dopustu, bolniškemu nadomestilu in varstvu pred odpovedjo. Pred prehodom se posvetuj z računovodjo. {res}","Projection under current law for {c}, in today’s money. Pension rules change often; past earnings, life expectancy and indexation are simplified, and transitional rules for older workers are not modelled. Check your official pension record. {res}":"Projekcija po veljavni zakonodaji za državo {c}, v današnjem denarju. Pokojninska pravila se pogosto spreminjajo; pretekli zaslužki, življenjska doba in usklajevanje so poenostavljeni, prehodna pravila za starejše delavce pa niso upoštevana. Preveri svoje uradne pokojninske podatke. {res}","Illustration only: the plan return is your assumption after fees and is not guaranteed. Tax limits are 2026 values for {c}; tax on payouts depends on your income in retirement. Check your plan’s rules with HR or the provider. {res}":"Samo ponazoritev: donos načrta je tvoja predpostavka po stroških in ni zajamčen. Davčne omejitve so vrednosti za 2026 za državo {c}; davek na izplačila je odvisen od tvojega dohodka v pokoju. Pravila svojega načrta preveri v kadrovski službi ali pri ponudniku. {res}","Legal minimums for {c}; contracts and collective agreements often give more, and regional or local holidays are not all listed. {res}":"Zakonski minimumi za državo {c}; pogodbe in kolektivne pogodbe pogosto dajo več, regionalni ali lokalni prazniki pa niso vsi navedeni. {res}","Estimates for a standard indefinite contract in {c}. Actual amounts depend on your contract, collective agreement, the reason for dismissal and any settlement; unemployment benefits need enough contributions. Get advice early: deadlines are short. {res}":"Ocene za standardno pogodbo za nedoločen čas za državo {c}. Dejanski zneski so odvisni od tvoje pogodbe, kolektivne pogodbe, razloga za odpoved in morebitnega dogovora; nadomestila za brezposelnost zahtevajo dovolj prispevkov. Nasvet poišči zgodaj: roki so kratki. {res}","Monthly wage tax follows the official 2026 formula (checked against the BMF calculator); your annual tax return can differ. Private health insurance, Saxony’s care rate, company cars and other benefits in kind are not modelled.":"Mesečni davek na plačo sledi uradni formuli za 2026 (preverjeno s kalkulatorjem BMF); tvoja letna napoved se lahko razlikuje. Zasebno zdravstveno zavarovanje, saška stopnja za nego, službeni avtomobili in druge bonitete niso upoštevani.","Regional and municipal surcharges vary by place; deductions for dependants, Assegno Unico and benefits in kind are not modelled, and payroll spreads the tax over the months differently.":"Regionalni in občinski dodatki se razlikujejo po kraju; olajšave za vzdrževane osebe, Assegno Unico in bonitete niso upoštevani, obračun plač pa davek drugače razporedi po mesecih.","Only the general, Madrid and Catalonia scales are included; other regions differ slightly. Payroll withholding (retenciones) can differ from the final annual tax settled in your return.":"Vključene so samo splošna, madridska in katalonska lestvica; druge regije se nekoliko razlikujejo. Odtegljaj pri plači (retenciones) se lahko razlikuje od končnega letnega davka, poravnanega v napovedi.","Rates for England, Wales and Northern Ireland. Scotland, student loans, pension contributions and benefits in kind are not included, and your tax code can change monthly deductions.":"Stopnje za Anglijo, Wales in Severno Irsko. Škotska, študentska posojila, pokojninski prispevki in bonitete niso vključeni, tvoja davčna koda pa lahko spremeni mesečne odtegljaje.","Official sources: BMF Lohnsteuerrechner, Deutsche Rentenversicherung (Renteninformation), Bundesagentur für Arbeit.":"Uradni viri: BMF Lohnsteuerrechner, Deutsche Rentenversicherung (Renteninformation), Bundesagentur für Arbeit.","Official sources: Agenzia delle Entrate, INPS (estratto conto contributivo, simulator “La mia pensione futura”).":"Uradni viri: Agenzia delle Entrate, INPS (estratto conto contributivo, simulator „La mia pensione futura“).","Official sources: Agencia Tributaria (withholding simulator), Seguridad Social (Tu Seguridad Social), SEPE.":"Uradni viri: Agencia Tributaria (simulator odtegljajev), Seguridad Social (Tu Seguridad Social), SEPE.","Official sources: GOV.UK (HMRC tax calculator, Check your State Pension forecast) and Acas for employment rights.":"Uradni viri: GOV.UK (HMRC davčni kalkulator, Check your State Pension forecast) in Acas za delovne pravice.","Old-age insurance 6.90% + 0.40%":"Starostno zavarovanje 6,90 % + 0,40 %","Supplementary pension AGIRC-ARRCO (incl. CEG/CET)":"Dodatna pokojnina AGIRC-ARRCO (vklj. CEG/CET)","CSG and CRDS 9.7% (on 98.25% of pay)":"CSG in CRDS 9,7 % (na 98,25 % plače)","Company health plan (mutuelle), your half":"Podjetniško zdravstveno zavarovanje (mutuelle), tvoja polovica","Income tax (scale, withheld at source)":"Dohodnina (lestvica, odtegnjena pri viru)","Family allowance (paid separately)":"Družinski dodatek (izplačan ločeno)","Micro-entrepreneur contributions (URSSAF)":"Prispevki mikropodjetnika (URSSAF)","by collective agreement":"po kolektivni pogodbi","worked or paid":"odslužen ali plačan","1–3 months (agreement)":"1–3 mesece (pogodba)","Legal severance":"Zakonska odpravnina","France":"Francija","Tax household":"Davčno gospodinjstvo","Single":"Samska oseba","Married or PACS, sole earner":"Zakonca ali PACS, en zaslužek","Company health plan total / month (half paid by employer)":"Podjetniško zdravstveno zavarovanje skupaj / mesec (polovico plača delodajalec)","Executive status (cadre)":"Status vodilnega delavca (cadre)","Activity":"Dejavnost","Liberal profession (BNC)":"Svobodni poklic (BNC)","Services (BIC)":"Storitve (BIC)","Sales (BIC)":"Prodaja (BIC)","Flat income-tax option (versement libératoire)":"Možnost pavšalne dohodnine (versement libératoire)","2026 scale (2025 income): 0% to €11,600, 11% to €29,579, 30% to €84,577, 41% to €181,917, 45% above, per tax share after a 10% expense allowance (€509–14,555). Family quotient: 1 share per adult, ½ for each of the first two children, 1 from the third, capped at €1,807 per half share; low-tax reduction (décote) below €1,982 of tax for a single person. Withheld monthly at source.":"Lestvica 2026 (dohodki 2025): 0 % do 11.600 €, 11 % do 29.579 €, 30 % do 84.577 €, 41 % do 181.917 €, 45 % nad tem, na davčni delež po 10 % normiranih stroških (509–14.555 €). Družinski količnik: 1 delež na odraslega, ½ za vsakega od prvih dveh otrok, 1 od tretjega, omejeno na 1.807 € na polovični delež; znižanje za nizek davek (décote) pod 1.982 € davka za samsko osebo. Odteguje se mesečno pri viru.","Social contributions":"Socialni prispevki","Employee about 22%: old-age 6.90% up to the ceiling (€4,005/month) + 0.40%, AGIRC-ARRCO 4.01% (10.80% above the ceiling incl. CEG), CSG/CRDS 9.7% on 98.25% of pay, plus half the company health plan. Employer about 43% before the 2026 general reduction (RGDU), which removes up to 39.81 points at the minimum wage and fades out at 3× it (€5,469/month).":"Zaposleni približno 22 %: starostno 6,90 % do meje (4.005 €/mesec) + 0,40 %, AGIRC-ARRCO 4,01 % (10,80 % nad mejo vklj. CEG), CSG/CRDS 9,7 % na 98,25 % plače in polovica podjetniškega zdravstvenega zavarovanja. Delodajalec približno 43 % pred splošnim znižanjem 2026 (RGDU), ki pri minimalni plači odšteje do 39,81 točke in izgine pri njenem 3-kratniku (5.469 €/mesec).","Family":"Družina","Family allowance from the 2nd child: €152.25/month for 2 children, €347.32 for 3 (April 2026), lower for higher incomes. Calculated for one taxpayer; married couples file jointly.":"Družinski dodatek od 2. otroka: 152,25 €/mesec za 2 otroka, 347,32 € za 3 (april 2026), nižji za višje dohodke. Izračunano za enega davčnega zavezanca; zakonca oddata skupno napoved.","Legal premiums":"Zakonski dodatki","Hours beyond 35 a week: +25% for the first 8 (36th to 43rd hour), +50% beyond, unless an agreement sets at least +10%. Usual annual quota 220 hours; max 48 hours in a week and 44 on average over 12 weeks.":"Ure nad 35 na teden: +25 % za prvih 8 (od 36. do 43. ure), +50 % nad tem, razen če pogodba določa vsaj +10 %. Običajna letna kvota 220 ur; največ 48 ur v tednu in povprečno 44 v 12 tednih.","Tax-free overtime":"Neobdavčene nadure","Overtime pay is exempt from income tax up to €7,500 net a year, and employee pension contributions on it are cut by 11.31%. Both are applied here.":"Plačilo nadur je oproščeno dohodnine do 7.500 € neto na leto, pokojninski prispevki zaposlenega nanj pa so znižani za 11,31 %. Oboje je tu upoštevano.","220 h / year (quota)":"220 h / leto (kvota)","Contributions on turnover: 25.6% liberal professions (BNC), 21.2% services, 12.3% sales (2026), plus 0.1–0.3% training. Income tax on turnover minus a flat allowance of 34%, 50% or 71%, or optionally a flat 2.2%, 1.7% or 1% of turnover. Turnover caps €83,600 (services, BNC) and €203,100 (sales). Real costs are not deductible. No VAT below the VAT threshold.":"Prispevki od prometa: 25,6 % svobodni poklici (BNC), 21,2 % storitve, 12,3 % prodaja (2026) in 0,1–0,3 % za usposabljanje. Dohodnina od prometa minus pavšalni odbitek 34 %, 50 % ali 71 % ali po izbiri pavšalnih 2,2 %, 1,7 % ali 1 % prometa. Meje prometa 83.600 € (storitve, BNC) in 203.100 € (prodaja). Dejanski stroški se ne odbijejo. Pod pragom za DDV brez DDV.","Basic pension (CNAV)":"Osnovna pokojnina (CNAV)","Average of your best 25 years (capped at the social-security ceiling) × 50% × quarters insured ÷ quarters required. Each missing quarter cuts the 50% by 0.625 points (max 20 quarters), unless you claim at 67. Quarters beyond the requirement after the legal age add 1.25% each.":"Povprečje tvojih najboljših 25 let (omejeno na mejo socialne varnosti) × 50 % × zavarovane četrtine ÷ zahtevane četrtine. Vsaka manjkajoča četrtina zniža 50 % za 0,625 točke (največ 20 četrtin), razen če pokojnino uveljaviš pri 67. Četrtine nad zahtevo po zakonski starosti dodajo vsaka 1,25 %.","Ages after the 2026 suspension":"Starosti po zamrznitvi 2026","The 2023 reform is suspended until January 2028 (LFSS 2026): legal age 62y9m for those born in 1964, about 63 for 1965, 63y3m for 1966, 63y6m for 1967, 63y9m for 1968, 64 later under current law; 170 quarters for 1964, 171 for 1965, 172 from 1966. Full rate automatically at 67.":"Reforma iz 2023 je zamrznjena do januarja 2028 (LFSS 2026): zakonska starost 62 let in 9 mesecev za rojene 1964, približno 63 za 1965, 63 let in 3 mesece za 1966, 63 let in 6 mesecev za 1967, 63 let in 9 mesecev za 1968, pozneje 64 po veljavnem zakonu; 170 četrtin za 1964, 171 za 1965, 172 od 1966. Polna stopnja samodejno pri 67.","Supplementary pension (AGIRC-ARRCO)":"Dodatna pokojnina (AGIRC-ARRCO)","Points = 6.20% of pay up to the ceiling + 17% above, ÷ €20.1877; each point pays €1.4386 a year (frozen until October 2026). Net of CSG, CRDS and CASA (about 9.1%) and income tax.":"Točke = 6,20 % plače do meje + 17 % nad njo, ÷ 20,1877 €; vsaka točka prinese 1,4386 € na leto (zamrznjeno do oktobra 2026). Po odbitku CSG, CRDS in CASA (približno 9,1 %) in dohodnine.","Plan d’épargne retraite (PER): your voluntary payments are deducted from taxable income within the limit; employer payments into a company PER are free of income tax but carry CSG/CRDS. At retirement, the deducted payments are taxed at your income-tax rate and gains at the 31.4% flat tax (from 2026); a lump sum or an annuity can be chosen.":"Plan d’épargne retraite (PER): tvoja prostovoljna vplačila se v okviru omejitve odbijejo od obdavčljivega dohodka; vplačila delodajalca v podjetniški PER so oproščena dohodnine, vendar se zanje plača CSG/CRDS. Ob upokojitvi so odbita vplačila obdavčena po tvoji stopnji dohodnine, dobički pa s pavšalnim davkom 31,4 % (od 2026); izbereš lahko enkratni znesek ali rento.","Victory in Europe Day":"Dan zmage v Evropi","Bastille Day":"Dan Bastilje","Armistice Day":"Dan premirja","2.5 working days per month: 30 working days on a 6-day count, i.e. 25 days on a 5-day week (5 weeks), taken mainly between May and October; 4 weeks can be taken in summer. Many employees also get RTT days for working more than 35 hours. 11 public holidays; Alsace-Moselle has 2 more.":"2,5 delovnega dne na mesec: 30 delovnih dni pri 6-dnevnem štetju, torej 25 dni pri 5-dnevnem tednu (5 tednov), izrabljenih predvsem med majem in oktobrom; 4 tedne je mogoče izrabiti poleti. Veliko zaposlenih dobi tudi dneve RTT za delo nad 35 ur. 11 praznikov; Alzacija-Mosela jih ima še 2.","16 weeks (6 before, 10 after birth); 26 from the 3rd child":"16 tednov (6 pred rojstvom, 10 po njem); 26 od 3. otroka","Daily allowance from health insurance, up to about €104/day":"Dnevno nadomestilo zdravstvenega zavarovanja, do približno 104 €/dan","25 days (32 for twins), 4 compulsory right after birth, plus 3 days birth leave":"25 dni (32 za dvojčke), 4 obvezni takoj po rojstvu, in 3 dni dopusta ob rojstvu","Health-insurance allowance; birth days paid by employer":"Nadomestilo zdravstvenega zavarovanja; dneve ob rojstvu plača delodajalec","Additional birth leave (from July 2026)":"Dodatni dopust ob rojstvu (od julija 2026)","1 or 2 months per parent after maternity or paternity leave":"1 ali 2 meseca na starša po porodniškem ali očetovskem dopustu","70% of net pay the 1st month, 60% the 2nd (capped)":"70 % neto plače v 1. mesecu, 60 % v 2. (omejeno)","Until the child turns 3, full or part time":"Dokler otrok ne dopolni 3 let, s polnim ali krajšim delovnim časom","PreParE allowance (~€460/month full time) or unpaid":"Dodatek PreParE (~460 €/mesec pri polnem času) ali neplačano","Sick child":"Bolan otrok","3 days a year (5 if under 1 or 3+ children), child under 16":"3 dni na leto (5, če je otrok mlajši od 1 leta ali so 3+ otroci), otrok do 16 let","Unpaid unless the agreement says otherwise":"Neplačano, razen če pogodba določa drugače","Family events":"Družinski dogodki","Wedding or PACS 4 days, death of a child 14 days, of a spouse or parent 3 days":"Poroka ali PACS 4 dni, smrt otroka 14 dni, zakonca ali starša 3 dni","Paid by employer":"Plača delodajalec","3 waiting days, then health-insurance allowance":"3 dnevi čakanja, nato nadomestilo zdravstvenega zavarovanja","50% of pay; employer tops up to 90% after 1 year of service":"50 % plače; delodajalec po 1 letu delovne dobe doplača do 90 %","Dismissal (personal or economic)":"Odpoved (osebni ali poslovni razlogi)","Mutual termination (rupture conventionnelle)":"Sporazumno prenehanje (rupture conventionnelle)","After 8 months of service: ¼ month’s pay per year for the first 10 years, ⅓ per year beyond (more under many collective agreements). Free of income tax; free of contributions up to 2× the annual ceiling. Not due for serious misconduct.":"Po 8 mesecih delovne dobe: ¼ mesečne plače na leto za prvih 10 let, ⅓ na leto nad tem (po številnih kolektivnih pogodbah več). Oproščeno dohodnine; brez prispevkov do 2-kratnika letne meje. Ne pripada pri hujši kršitvi.","Notice and mutual termination":"Odpovedni rok in sporazumno prenehanje","Notice: 1 month after 6 months of service, 2 months after 2 years (worked or paid). A rupture conventionnelle needs at least the legal severance, gives the right to unemployment benefit and has a 15-day withdrawal period.":"Odpovedni rok: 1 mesec po 6 mesecih delovne dobe, 2 meseca po 2 letih (odslužen ali plačan). Rupture conventionnelle zahteva najmanj zakonsko odpravnino, daje pravico do nadomestila za brezposelnost in ima 15-dnevni rok za odstop.","Unemployment benefit (ARE)":"Nadomestilo za brezposelnost (ARE)","The higher of 57% of the daily reference wage or 40.4% + €13.18, max 75% (and €300.21/day). Duration 75% of the time worked in the last 24 months (36 from 55): max 18 months, 22.5 at 55–56, 27 from 57; −30% after 6 months on high benefits under 55. Not after resignation.":"Višji od zneskov 57 % dnevne referenčne plače ali 40,4 % + 13,18 €, največ 75 % (in 300,21 €/dan). Trajanje 75 % časa dela v zadnjih 24 mesecih (36 od 55. leta): največ 18 mesecev, 22,5 pri 55–56, 27 od 57; −30 % po 6 mesecih pri visokih nadomestilih pod 55. letom. Ne po lastni odpovedi.","Paying {c} a year (5% of salary) into a PER lowers your income tax by about <b>{s}</b>.":"Vplačilo {c} na leto (5 % plače) v PER zniža tvojo dohodnino za približno <b>{s}</b>.","Overtime is tax-free up to €7,500 a year and carries lower contributions: see the Extra pay tab.":"Nadure so neobdavčene do 7.500 € na leto in imajo nižje prispevke: glej zavihek Dodatno plačilo.","Family allowance from the 2nd child (€152.25/month for 2, €347.32 for 3 from April 2026), halved or quartered for high household incomes. Couples are taxed jointly in France, which this table does not model.":"Družinski dodatek od 2. otroka (152,25 €/mesec za 2, 347,32 € za 3 od aprila 2026), pri visokih dohodkih gospodinjstva prepolovljen ali četrtinski. Pari so v Franciji obdavčeni skupaj, česar ta tabela ne upošteva.","Legal severance ¼ month per year (⅓ after 10 years), tax-free":"Zakonska odpravnina ¼ meseca na leto (⅓ po 10 letih), neobdavčena","16 weeks paid by health insurance (up to ~€104/day)":"16 tednov, plača zdravstveno zavarovanje (do ~104 €/dan)","25 days paid by health insurance + 3 birth days":"25 dni, plača zdravstveno zavarovanje + 3 dni ob rojstvu","Until age 3 (PreParE ~€460/month); new birth leave 1–2 months per parent at 70%/60% of net":"Do 3. leta (PreParE ~460 €/mesec); novi dopust ob rojstvu 1–2 meseca na starša s 70 %/60 % neta","3 waiting days, then 50% (90% with employer top-up after 1 year)":"3 dnevi čakanja, nato 50 % (90 % z doplačilom delodajalca po 1 letu)","Non-executive employee in a company with fewer than 11 staff, standard accident rate 2.08%; collective-agreement extras (13th month, provident schemes), meal vouchers and transport support are not modelled. Income tax is the annual scale for one tax household; monthly withholding uses a personal rate that can differ.":"Zaposleni, ki ni vodilni delavec, v podjetju z manj kot 11 zaposlenimi, standardna stopnja za nesreče 2,08 %; dodatki po kolektivni pogodbi (13. plača, previdnostne sheme), boni za prehrano in podpora za prevoz niso upoštevani. Dohodnina je letna lestvica za eno davčno gospodinjstvo; mesečni odtegljaj uporablja osebno stopnjo, ki se lahko razlikuje.","Official sources: URSSAF (mon-entreprise simulator), impots.gouv.fr, info-retraite.fr, France Travail.":"Uradni viri: URSSAF (simulator mon-entreprise), impots.gouv.fr, info-retraite.fr, France Travail.","Employee contributions, €3,000/month, no health plan":"Prispevki zaposlenega, 3.000 €/mesec, brez zdravstvenega načrta","Employee contributions, €4,500/month (above ceiling)":"Prispevki zaposlenega, 4.500 €/mesec (nad mejo)","Employee contributions, €7,000/month":"Prispevki zaposlenega, 7.000 €/mesec","Employee contributions at the minimum wage (€1,823.03)":"Prispevki zaposlenega pri minimalni plači (1.823,03 €)","Net before income tax, €3,000/month, default €40 health plan":"Neto pred dohodnino, 3.000 €/mesec, privzeti zdravstveni načrt 40 €","Employer cost at the minimum wage (with RGDU)":"Strošek delodajalca pri minimalni plači (z RGDU)","Employer cost, €3,000/month":"Strošek delodajalca, 3.000 €/mesec","Employer cost, €7,000/month":"Strošek delodajalca, 7.000 €/mesec","Taxable pay, €3,000/month, no health plan":"Obdavčljiva plača, 3.000 €/mesec, brez zdravstvenega načrta","Income tax, single, taxable income €30,000":"Dohodnina, samska oseba, obdavčljivi dohodek 30.000 €","Income tax, single, €20,000 (with décote)":"Dohodnina, samska oseba, 20.000 € (z décote)","Income tax, couple + 2 children, €60,000":"Dohodnina, par + 2 otroka, 60.000 €","AGIRC-ARRCO: 1,000 points (per year)":"AGIRC-ARRCO: 1.000 točk (na leto)","Legal pension age, born 1966 (years)":"Zakonska upokojitvena starost, rojeni 1966 (leta)","Basic pension rate with 8 quarters missing":"Stopnja osnovne pokojnine, ko manjka 8 četrtin","Legal severance, 12 years at €3,000":"Zakonska odpravnina, 12 let pri 3.000 €","ARE daily benefit for a €100 daily reference wage":"Dnevno nadomestilo ARE pri dnevni referenčni plači 100 €","Family allowance, 2 children (per year)":"Družinski dodatek, 2 otroka (na leto)","PER deduction cap for a €30,000 salary":"Zgornja meja odbitka PER pri plači 30.000 €","Pension fund (your share)":"Pokojninski sklad (tvoj delež)","National insurance (AOW, Anw, Wlz) after credits":"Nacionalno zavarovanje (AOW, Anw, Wlz) po olajšavah","Income tax (box 1) after credits":"Dohodnina (box 1) po olajšavah","Tax credits used (general + labour)":"Uporabljene davčne olajšave (splošna + za delo)","Kinderbijslag (paid separately, ages 6–11)":"Kinderbijslag (izplačan ločeno, starost 6–11)","Health contribution (Zvw 4.85%) + national insurance":"Zdravstveni prispevek (Zvw 4,85 %) + nacionalno zavarovanje","Transition payment (⅓ month per year)":"Prehodno plačilo (⅓ meseca na leto)","employer notice (1 month less via UWV)":"odpovedni rok delodajalca (1 mesec manj prek UWV)","Employer notice":"Odpovedni rok delodajalca","Transition payment":"Prehodno plačilo","month per year":"meseca na leto","Netherlands":"Nizozemska","Pension fund, your share (% of pay above €19,554)":"Pokojninski sklad, tvoj delež (% plače nad 19.554 €)","Workplace pension accrual (% a year)":"Pridobivanje poklicne pokojnine (% na leto)","Box 1 tax 2026":"Davek box 1 2026","35.75% up to €38,883 (of which 27.65% national insurance: AOW, Anw, Wlz), 37.56% up to €78,426, 49.50% above. General tax credit up to €3,115 (fading 6.398% above €29,736) and labour tax credit up to €5,685. The Bonus field holds the 8% holiday allowance (vakantiegeld).":"35,75 % do 38.883 € (od tega 27,65 % nacionalno zavarovanje: AOW, Anw, Wlz), 37,56 % do 78.426 €, 49,50 % nad tem. Splošna davčna olajšava do 3.115 € (pada za 6,398 % nad 29.736 €) in olajšava za delo do 5.685 €. Polje Bonus vsebuje 8 % regresa (vakantiegeld).","Employer and pension fund":"Delodajalec in pokojninski sklad","Employees pay no separate social contributions; the employer pays unemployment (2.74%), disability (6.27% + 0.50%), sector fund (~1.52%) and health (Zvw 6.10%) up to €79,409. Most employees also pay into a sector pension fund, usually 6–9% of pay above a franchise: enter yours.":"Zaposleni ne plačujejo ločenih socialnih prispevkov; delodajalec plača brezposelnost (2,74 %), invalidnost (6,27 % + 0,50 %), panožni sklad (~1,52 %) in zdravstvo (Zvw 6,10 %) do 79.409 €. Večina zaposlenih vplačuje tudi v panožni pokojninski sklad, običajno 6–9 % plače nad franšizo: vnesi svoje.","The 30% ruling for new residents, health-insurance premium (~€150/month, paid separately) and allowances (zorgtoeslag, huurtoeslag, kindgebonden budget).":"Pravilo 30 % za nove rezidente, premija zdravstvenega zavarovanja (~150 €/mesec, plačana ločeno) in dodatki (zorgtoeslag, huurtoeslag, kindgebonden budget).","Dutch law sets no overtime premium; it comes from your contract or collective agreement (cao), often 25–50% or time off. Max 12 hours a day and 60 a week, 48 a week on average over 16 weeks.":"Nizozemski zakon ne določa dodatka za nadure; izhaja iz pogodbe ali kolektivne pogodbe (cao), pogosto 25–50 % ali prosti čas. Največ 12 ur na dan in 60 na teden, povprečno 48 na teden v 16 tednih.","Overtime is taxed like normal pay at your marginal box 1 rate, which includes the phase-out of tax credits.":"Nadure so obdavčene kot običajna plača po tvoji mejni stopnji box 1, ki vključuje postopno odpravo davčnih olajšav.","Zzp (sole trader)":"Zzp (samostojni podjetnik)","Self-employed deduction €1,200 (1,225 hours a year), then the SME profit exemption of 12.7%; box 1 tax with the general and labour credits; income-related health contribution 4.85% up to €79,412. No unemployment or disability cover and no pension fund unless you arrange it.":"Olajšava za samozaposlene 1.200 € (1.225 ur na leto), nato oprostitev dobička MSP 12,7 %; davek box 1 s splošno olajšavo in olajšavo za delo; dohodkovni zdravstveni prispevek 4,85 % do 79.412 €. Brez kritja za brezposelnost ali invalidnost in brez pokojninskega sklada, razen če si ga urediš.","AOW (state pension)":"AOW (državna pokojnina)","2% for every year you live or work in the Netherlands in the 50 years before AOW age; full single AOW €1,662.16 gross a month (July 2026). AOW age 67 in 2026–2027 and 67 years 3 months from 2028, then linked to life expectancy.":"2 % za vsako leto bivanja ali dela na Nizozemskem v 50 letih pred starostjo AOW; polna AOW za samsko osebo 1.662,16 € bruto na mesec (julij 2026). Starost AOW 67 v 2026–2027 in 67 let in 3 mesece od 2028, nato vezana na življenjsko dobo.","Most employees build a second pension in a sector fund, moving to the new contribution-based system (Wtp) by 2028. Here estimated as an accrual per year on pay above the franchise; check your fund’s Uniform Pension Overview (UPO) on mijnpensioenoverzicht.nl.":"Večina zaposlenih si gradi drugo pokojnino v panožnem skladu, ki do 2028 prehaja na nov sistem na podlagi prispevkov (Wtp). Tu je ocenjena kot letno pridobivanje na plačo nad franšizo; preveri enotni pregled pokojnine (UPO) svojega sklada na mijnpensioenoverzicht.nl.","Tax in retirement":"Davek v pokoju","From AOW age the first bracket drops to 17.85% (no AOW premium) and credits are lower. Early workplace pension is possible from about 60 with a lower amount (≈5% a year here).":"Od starosti AOW prvi razred pade na 17,85 % (brez premije AOW), olajšave pa so nižje. Predčasna poklicna pokojnina je mogoča od približno 60. leta z nižjim zneskom (tu ≈5 % na leto).","Lijfrente / extra pension saving: contributions within the annual room (jaarruimte) are deducted at your box 1 rate; payouts from retirement are taxed as income, usually at a lower rate. Money saved outside it falls in box 3 (wealth tax on a deemed return).":"Lijfrente / dodatno pokojninsko varčevanje: prispevki v okviru letnega prostora (jaarruimte) se odbijejo po tvoji stopnji box 1; izplačila od upokojitve so obdavčena kot dohodek, običajno po nižji stopnji. Denar, prihranjen zunaj tega, spada v box 3 (davek na premoženje od domnevnega donosa).","King’s Day":"Kraljev dan","At least 4 times your weekly working days a year (20 on a 5-day week); most collective agreements give 25. Statutory days expire 6 months after the year ends. Holiday allowance of 8% of pay is paid on top, usually in May. Liberation Day (5 May) is a paid holiday only in some agreements, every year or every 5 years.":"Najmanj 4-kratnik tvojih tedenskih delovnih dni na leto (20 pri 5-dnevnem tednu); večina kolektivnih pogodb da 25. Zakonski dnevi zapadejo 6 mesecev po koncu leta. Regres v višini 8 % plače se izplača dodatno, običajno maja. Dan osvoboditve (5. maj) je plačan praznik samo po nekaterih pogodbah, vsako leto ali vsakih 5 let.","Pregnancy and maternity leave":"Nosečniški in porodniški dopust","16 weeks (4–6 before the due date)":"16 tednov (4–6 pred predvidenim datumom)","100% from UWV, up to the maximum daily wage":"100 % od UWV, do najvišje dnevne plače","Birth leave for the partner":"Dopust ob rojstvu za partnerja","1 working week within 4 weeks of the birth":"1 delovni teden v 4 tednih po rojstvu","100% by employer":"100 % delodajalec","Additional birth leave":"Dodatni dopust ob rojstvu","5 weeks within 6 months of the birth":"5 tednov v 6 mesecih po rojstvu","70% from UWV":"70 % od UWV","26 times your weekly hours per parent until the child is 8; 9 weeks paid if taken in the first year":"26-kratnik tedenskih ur na starša, dokler otrok ne dopolni 8 let; 9 tednov plačanih, če se izrabi v prvem letu","70% from UWV for 9 weeks, rest unpaid":"70 % od UWV za 9 tednov, ostalo neplačano","Short-term care leave":"Kratkoročni negovalni dopust","2 times your weekly hours a year to care for a sick relative":"2-kratnik tedenskih ur na leto za nego bolnega sorodnika","70% by employer":"70 % delodajalec","Long-term care leave":"Dolgoročni negovalni dopust","6 times your weekly hours a year":"6-kratnik tedenskih ur na leto","Up to 2 years of continued pay":"Do 2 leti nadaljnjega plačila","At least 70% (often 100% the 1st year)":"Najmanj 70 % (v 1. letu pogosto 100 %)","Dismissal (UWV permit or court)":"Odpoved (dovoljenje UWV ali sodišče)","Settlement agreement (vaststellingsovereenkomst)":"Sporazum o prenehanju (vaststellingsovereenkomst)","On dismissal by the employer: ⅓ of a month’s pay (including holiday allowance and fixed extras) for every year of service, counted pro rata, from day one; maximum €102,000 or one year’s pay if higher (2026). Taxed as income. In a settlement agreement the amount is negotiated, often at least this.":"Ob odpovedi delodajalca: ⅓ mesečne plače (z regresom in stalnimi dodatki) za vsako leto delovne dobe, sorazmerno, od prvega dne; največ 102.000 € ali letna plača, če je višja (2026). Obdavčeno kot dohodek. V sporazumu o prenehanju se znesek dogovori, pogosto najmanj toliko.","Employer: 1 month under 5 years of service, 2 months for 5–10, 3 for 10–15, 4 from 15 (1 month less after a UWV permit, minimum 1). Employee: 1 month.":"Delodajalec: 1 mesec pri manj kot 5 letih delovne dobe, 2 meseca pri 5–10, 3 pri 10–15, 4 od 15 (1 mesec manj po dovoljenju UWV, najmanj 1). Zaposleni: 1 mesec.","Unemployment benefit (WW)":"Nadomestilo za brezposelnost (WW)","75% of your daily wage for 2 months, then 70%, with the daily wage capped at €304.25 (2026). Duration: 3 months, plus 1 month per year of work history (half a month per year after 10 years), up to 24 months. You must have worked 26 of the last 36 weeks; not after resigning.":"75 % dnevne plače 2 meseca, nato 70 %, pri čemer je dnevna plača omejena na 304,25 € (2026). Trajanje: 3 mesece in 1 mesec za vsako leto delovne zgodovine (po 10 letih pol meseca na leto), do 24 mesecev. Delati moraš 26 od zadnjih 36 tednov; ne po lastni odpovedi.","The Bonus field holds your 8% holiday allowance (vakantiegeld): remove it if your pay already includes it.":"Polje Bonus vsebuje tvoj 8 % regres (vakantiegeld): odstrani ga, če ga tvoja plača že vključuje.","Above €45,592 the labour tax credit fades by 6.51% of each extra euro, so your real marginal rate is higher than the 37.56% bracket.":"Nad 45.592 € olajšava za delo pada za 6,51 % vsakega dodatnega evra, zato je tvoja dejanska mejna stopnja višja od razreda 37,56 %.","Kinderbijslag €295–426 per child per quarter depending on age (2026), not means-tested; the income-related kindgebonden budget comes on top for lower incomes.":"Kinderbijslag 295–426 € na otroka na četrtletje glede na starost (2026), ne glede na dohodek; dohodkovni kindgebonden budget se pri nižjih dohodkih doda.","Transition payment ⅓ month per year (taxed)":"Prehodno plačilo ⅓ meseca na leto (obdavčeno)","16 weeks at 100% (UWV)":"16 tednov s 100 % (UWV)","1 week at 100% + 5 weeks at 70%":"1 teden s 100 % + 5 tednov s 70 %","26 weeks per parent until 8; 9 paid at 70% in the 1st year":"26 tednov na starša do 8. leta; 9 plačanih s 70 % v 1. letu","Up to 2 years at 70% or more":"Do 2 leti s 70 % ali več","Annual tax as in the return; monthly payroll withholding uses the tables and credits spread over the year. The 30% ruling, health-insurance premium, allowances and cao-specific extras are not modelled.":"Letni davek kot v napovedi; mesečni odtegljaj pri plači uporablja tabele in olajšave, razporejene čez leto. Pravilo 30 %, premija zdravstvenega zavarovanja, dodatki in posebnosti posameznih cao niso upoštevani.","Official sources: Belastingdienst, SVB (AOW, kinderbijslag), UWV, mijnpensioenoverzicht.nl.":"Uradni viri: Belastingdienst, SVB (AOW, kinderbijslag), UWV, mijnpensioenoverzicht.nl.","General tax credit at €50,000":"Splošna davčna olajšava pri 50.000 €","General tax credit reaches zero":"Splošna davčna olajšava doseže nič","Maximum labour tax credit (at €45,592)":"Najvišja olajšava za delo (pri 45.592 €)","Box 1 tax before credits, €60,000":"Davek box 1 pred olajšavami, 60.000 €","Full single AOW (per month, gross)":"Polna AOW za samsko osebo (na mesec, bruto)","Transition payment, 6 years at €4,320/month (incl. holiday pay)":"Prehodno plačilo, 6 let pri 4.320 €/mesec (z regresom)","Maximum WW base per month":"Najvišja osnova WW na mesec","Kinderbijslag, child 6–11, first half 2026 (per quarter)":"Kinderbijslag, otrok 6–11, prva polovica 2026 (na četrtletje)","Social security 13.07% after the work bonus":"Socialna varnost 13,07 % po delovnem bonusu","Special social-security contribution":"Posebni prispevek za socialno varnost","Work bonus (lower contributions + tax credit)":"Delovni bonus (nižji prispevki + davčna olajšava)","Flat professional expenses deducted (30%, max €6,070)":"Odbiti pavšalni poklicni stroški (30 %, največ 6.070 €)","Tax-free sum":"Neobdavčeni znesek","Child benefit, Flanders (paid separately)":"Otroški dodatek, Flandrija (izplačan ločeno)","Social contributions for the self-employed (20.5%)":"Socialni prispevki za samozaposlene (20,5 %)","worked, or paid as an indemnity":"odslužen ali plačan kot odškodnina","If you resign":"Če daš odpoved","Belgium":"Belgija","Municipal surcharge (%)":"Občinski dodatek (%)","Household rate (spouse with no or low pension)":"Stopnja gospodinjstva (zakonec brez pokojnine ali z nizko)","Income tax 2026":"Dohodnina 2026","Income 2026 (tax year 2027): 25% up to €16,720, 40% up to €29,510, 45% up to €51,070, 50% above, after social security and flat professional expenses (30%, max €6,070). Tax-free sum €11,550 plus €2,130 for 1 child, €5,130 for 2, €11,440 for 3. Municipal surcharge 0–9% of the tax (often 6–8%). Default pay: 13 months (end-of-year bonus) plus double holiday pay of 92% of a month in the Bonus field.":"Dohodki 2026 (davčno leto 2027): 25 % do 16.720 €, 40 % do 29.510 €, 45 % do 51.070 €, 50 % nad tem, po socialni varnosti in pavšalnih poklicnih stroških (30 %, največ 6.070 €). Neobdavčeni znesek 11.550 € in 2.130 € za 1 otroka, 5.130 € za 2, 11.440 € za 3. Občinski dodatek 0–9 % davka (pogosto 6–8 %). Privzeta plača: 13 mesecev (bonus ob koncu leta) in dvojni regres v višini 92 % mesečne plače v polju Bonus.","Employee 13.07% of gross pay, reduced by the work bonus for monthly pay up to €3,403.62 (plus a tax credit of 33.14% / 52.54% of it). Special social-security contribution €0–60.94 a month depending on pay. Employer about 25% (capped from 2026), before structural reductions for low wages.":"Zaposleni 13,07 % bruto plače, znižano z delovnim bonusom za mesečne plače do 3.403,62 € (in davčna olajšava 33,14 % / 52,54 % tega). Posebni prispevek za socialno varnost 0–60,94 € na mesec glede na plačo. Delodajalec približno 25 % (od 2026 omejeno), pred strukturnimi znižanji za nizke plače.","Joint taxation of married couples (marital quotient), meal vouchers, company car and other benefits in kind, regional tax differences and the refundable child tax credit.":"Skupna obdavčitev zakoncev (zakonski količnik), boni za prehrano, službeni avto in druge bonitete, regionalne davčne razlike in vračljiva davčna olajšava za otroke.","+50% for hours beyond 9 a day or 40 a week (or the agreed limit), +100% on Sundays and public holidays. Up to 11 hours a day and 50 a week; overtime must usually be recovered as time off within the reference period, except voluntary overtime (up to 360 hours a year from 2026).":"+50 % za ure nad 9 na dan ali 40 na teden (ali dogovorjeno mejo), +100 % ob nedeljah in praznikih. Do 11 ur na dan in 50 na teden; nadure je običajno treba nadomestiti s prostim časom v referenčnem obdobju, razen prostovoljnih nadur (do 360 ur na leto od 2026).","Overtime is taxed at your marginal rate here. A special tax reduction on the first 180 overtime hours with a premium and the new tax-free voluntary hours can lower this; ask your payroll.":"Nadure so tu obdavčene po tvoji mejni stopnji. Posebno davčno znižanje za prvih 180 nadur z dodatkom in nove neobdavčene prostovoljne ure lahko to znižajo; vprašaj v računovodstvu za plače.","11 h / day, 50 h / week":"11 h / dan, 50 h / teden","Self-employed (zelfstandige / indépendant)":"Samozaposleni (zelfstandige / indépendant)","Social contributions 20.5% of net taxable income up to €75,024.54 and 14.16% up to €110,562.42, nothing above; minimum €890.42 a quarter in your main occupation (2026), plus the social-insurance fund’s fee (about 3–4%). Profit is taxed on the normal scale with the tax-free sum; actual business costs are deducted.":"Socialni prispevki 20,5 % neto obdavčljivega dohodka do 75.024,54 € in 14,16 % do 110.562,42 €, nad tem nič; najmanj 890,42 € na četrtletje pri glavni dejavnosti (2026) in pristojbina sklada za socialno zavarovanje (približno 3–4 %). Dobiček je obdavčen po običajni lestvici z neobdavčenim zneskom; dejanski poslovni stroški se odbijejo.","Statutory pension":"Zakonska pokojnina","60% (or 75% household rate) of your career pay, capped at €82,608.94 a year, ÷ 45 for each year worked (max 45). Minimum pension €1,881.92 gross a month for a single person with a full career, pro rata from 30 years.":"60 % (ali 75 % po stopnji gospodinjstva) plače v karieri, omejeno na 82.608,94 € na leto, ÷ 45 za vsako leto dela (največ 45). Najnižja pokojnina 1.881,92 € bruto na mesec za samsko osebo s polno kariero, sorazmerno od 30 let.","Pension age":"Upokojitvena starost","Legal age 66 from 2025 and 67 from 2030 (born from 1964). Early: at 60 with 44 career years, 61 with 43, 63 with 42. From 2026 early retirement with fewer than 35 years of at least 156 working days costs 2–5% a year (by year of birth).":"Zakonska starost 66 od 2025 in 67 od 2030 (rojeni od 1964). Predčasno: pri 60 s 44 leti kariere, 61 s 43, 63 z 42. Od 2026 predčasna upokojitev z manj kot 35 leti z vsaj 156 delovnimi dnevi stane 2–5 % na leto (glede na leto rojstva).","Net pension":"Neto pokojnina","3.55% health contribution on higher pensions, income tax with the tax-free sum and a pension tax reduction (€2,182.06, reduced for higher incomes); small pensions pay no tax. Many employees also have a group insurance (2nd pillar) through the employer.":"3,55 % zdravstvenega prispevka na višje pokojnine, dohodnina z neobdavčenim zneskom in davčnim znižanjem za pokojnine (2.182,06 €, nižje pri višjih dohodkih); majhne pokojnine niso obdavčene. Veliko zaposlenih ima prek delodajalca tudi skupinsko zavarovanje (2. steber).","Pension savings (pensioensparen / épargne-pension): a 30% tax credit on up to €1,050 a year, or 25% on up to €1,350. The fund is taxed once at 8% when you turn 60, then paid out tax-free. Employer group insurance is tax-free for you within the 80% rule; the employer pays 4.4% tax on the premiums.":"Pokojninsko varčevanje (pensioensparen / épargne-pension): davčna olajšava 30 % na do 1.050 € na leto ali 25 % na do 1.350 €. Sklad je obdavčen enkrat z 8 %, ko dopolniš 60 let, nato se izplača neobdavčeno. Skupinsko zavarovanje delodajalca je zate v okviru pravila 80 % neobdavčeno; delodajalec plača 4,4 % davka na premije.","20 days on a 5-day week (4 weeks), earned by working the previous year; in your first job you can take European supplementary leave. Holiday pay: your normal pay plus double holiday pay of 92% of a month. 10 public holidays; one falling on a Sunday is replaced by another day off.":"20 dni pri 5-dnevnem tednu (4 tedne), pridobljenih z delom v prejšnjem letu; v prvi zaposlitvi lahko izrabiš evropski dodatni dopust. Regres: tvoja običajna plača in dvojni regres v višini 92 % mesečne plače. 10 praznikov; tistega, ki pade na nedeljo, nadomesti drug prost dan.","15 weeks (up to 6 before the birth, 9 after)":"15 tednov (do 6 pred rojstvom, 9 po njem)","82% of pay for 30 days, then 75% (capped), from health insurance":"82 % plače 30 dni, nato 75 % (omejeno), iz zdravstvenega zavarovanja","Birth leave for the co-parent":"Dopust ob rojstvu za drugega starša","20 days within 4 months of the birth":"20 dni v 4 mesecih po rojstvu","3 days 100% by employer, then 82% (capped) from health insurance":"3 dni 100 % delodajalec, nato 82 % (omejeno) iz zdravstvenega zavarovanja","4 months full time per parent per child until age 12 (or part time for longer)":"4 mesece s polnim delovnim časom na starša za vsakega otroka do 12. leta (ali dlje s krajšim delovnim časom)","Flat allowance from the National Employment Office (about €1,000 a month full time)":"Pavšalni dodatek Nacionalnega zavoda za zaposlovanje (približno 1.000 € na mesec pri polnem času)","1 month full time per person cared for, up to 6 months in a career; 5 days a year unpaid care leave":"1 mesec s polnim delovnim časom na osebo, ki ji nudiš nego, do 6 mesecev v karieri; 5 dni neplačanega negovalnega dopusta na leto","Flat allowance":"Pavšalni dodatek","Urgent family reasons":"Nujni družinski razlogi","Up to 10 days a year":"Do 10 dni na leto","Guaranteed pay for the first month (white-collar)":"Zajamčena plača za prvi mesec (uslužbenci)","100% by employer, then 60% (capped) from health insurance":"100 % delodajalec, nato 60 % (omejeno) iz zdravstvenega zavarovanja","Dismissal by the employer":"Odpoved delodajalca","Notice or indemnity":"Odpovedni rok ali odškodnina","Notice depends only on seniority (single status, 2014): 1 week under 3 months, 12 weeks after 2 years, 18 after 5, +3 a week per year to 60 at 19 years, 62 at 20, then +1 a year. The employer can pay the notice period instead (taxed). With 30 weeks or more, a third goes to job-search support (outplacement, training).":"Odpovedni rok je odvisen samo od delovne dobe (enotni status, 2014): 1 teden pod 3 meseci, 12 tednov po 2 letih, 18 po 5, +3 tedne na leto do 60 pri 19 letih, 62 pri 20, nato +1 na leto. Delodajalec lahko odpovedni rok plača (obdavčeno). Pri 30 tednih ali več gre tretjina za podporo pri iskanju zaposlitve (outplacement, usposabljanje).","Resignation":"Odpoved zaposlenega","1 week under 3 months of service, rising to a maximum of 13 weeks after 8 years.":"1 teden pod 3 meseci delovne dobe, do največ 13 tednov po 8 letih.","From March 2026: 65% of your capped daily pay for 3 months, then 60%, with lower caps over time (max €2,812.94 a month at first, amounts from September 2026). Limited to 12 months plus 1 month per 4 extra months of work, max 24. Not after resigning.":"Od marca 2026: 65 % omejene dnevne plače 3 mesece, nato 60 %, s časom nižje omejitve (sprva največ 2.812,94 € na mesec, zneski od septembra 2026). Omejeno na 12 mesecev in 1 mesec na vsake 4 dodatne mesece dela, največ 24. Ne po lastni odpovedi.","The Bonus field holds the double holiday pay (92% of a month); the 13th month comes from paying 13 salaries.":"Polje Bonus vsebuje dvojni regres (92 % mesečne plače); 13. plača izhaja iz plačila 13 plač.","Your pay qualifies for the work bonus: lower employee contributions and an extra tax credit.":"Tvoja plača ustreza pogojem za delovni bonus: nižji prispevki zaposlenega in dodatna davčna olajšava.","Paying €1,050 a year into pension savings gives back €315 in tax (30%) plus the municipal surcharge.":"Vplačilo 1.050 € na leto v pokojninsko varčevanje vrne 315 € davka (30 %) in občinski dodatek.","Child benefit is regional: Flanders (Groeipakket) €190.66 a month per child born from 2019 (September 2026), Wallonia and Brussels have their own amounts and age supplements. Married couples are taxed jointly, which this table does not model.":"Otroški dodatek je regionalen: Flandrija (Groeipakket) 190,66 € na mesec na otroka, rojenega od 2019 (september 2026), Valonija in Bruselj imata lastne zneske in starostne dodatke. Zakonca sta obdavčena skupaj, česar ta tabela ne upošteva.","15 weeks at 82%, then 75% (capped)":"15 tednov z 82 %, nato 75 % (omejeno)","20 days (3 at 100%, rest 82%)":"20 dni (3 s 100 %, ostalo 82 %)","4 months per parent until 12, flat allowance":"4 mesece na starša do 12. leta, pavšalni dodatek","1 month at 100% (white-collar), then 60%":"1 mesec s 100 % (uslužbenci), nato 60 %","White-collar employee taxed individually; annual tax as in the return (monthly withholding uses tables and can differ). Double holiday pay is treated like normal pay for contributions. Employer cost is the 25% basic rate without structural or first-hire reductions.":"Uslužbenec, obdavčen individualno; letni davek kot v napovedi (mesečni odtegljaj uporablja tabele in se lahko razlikuje). Dvojni regres se za prispevke obravnava kot običajna plača. Strošek delodajalca je osnovna stopnja 25 % brez strukturnih znižanj ali znižanj za prvo zaposlitev.","Official sources: FPS Finance (Tax-Calc), National Social Security Office (RSZ/ONSS instructions), Federal Pension Service (mypension.be), National Employment Office (RVA/ONEM), Groeipakket.":"Uradni viri: FPS Finance (Tax-Calc), Nacionalni urad za socialno varnost (navodila RSZ/ONSS), Zvezna pokojninska služba (mypension.be), Nacionalni zavod za zaposlovanje (RVA/ONEM), Groeipakket.","Tax on €51,070 before the tax-free sum":"Davek na 51.070 € pred neobdavčenim zneskom","Tax relief on the basic tax-free sum (€11,550)":"Davčna olajšava na osnovni neobdavčeni znesek (11.550 €)","Maximum flat professional expenses":"Najvišji pavšalni poklicni stroški","Work bonus at €2,000/month (A + B, per month)":"Delovni bonus pri 2.000 €/mesec (A + B, na mesec)","Work bonus at €3,200/month (per month)":"Delovni bonus pri 3.200 €/mesec (na mesec)","Special SS contribution at €5,000/month (per quarter)":"Posebni prispevek SV pri 5.000 €/mesec (na četrtletje)","Special SS contribution, maximum (per quarter)":"Posebni prispevek SV, največ (na četrtletje)","Self-employed minimum contributions (per year)":"Najnižji prispevki samozaposlenih (na leto)","Notice after 10 years of service (weeks)":"Odpovedni rok po 10 letih delovne dobe (tedni)","Notice after 20 years of service (weeks)":"Odpovedni rok po 20 letih delovne dobe (tedni)","Maximum unemployment benefit, months 1–3 (per month)":"Najvišje nadomestilo za brezposelnost, meseci 1–3 (na mesec)","Minimum pension, single, full career (per month)":"Najnižja pokojnina, samska oseba, polna kariera (na mesec)","Groeipakket base amount (per child, per month)":"Osnovni znesek Groeipakket (na otroka, na mesec)","Pension insurance 8.5%":"Pokojninsko zavarovanje 8,5 %","Health insurance 3.05%":"Zdravstveno zavarovanje 3,05 %","Long-term care 1.4% (after a quarter of the minimum wage)":"Dolgotrajna oskrba 1,4 % (po četrtini minimalne plače)","Family allowance (paid separately, from age 0)":"Družinski dodatek (izplačan ločeno, od rojstva)","Self-employed contributions (pension 17%, health, care, accident)":"Prispevki samozaposlenih (pokojnina 17 %, zdravstvo, oskrba, nesreče)","paid; the employer can release you from working it":"plačan; delodajalec te lahko oprosti dela","Luxembourg":"Luksemburg","Class 1 (single)":"Razred 1 (samska oseba)","Class 2 (married or partnered, joint)":"Razred 2 (v zakonu ali partnerstvu, skupno)","Single parent (credit, class 1)":"Enostarševska družina (olajšava, razred 1)","23 brackets from 0% (up to €13,230) to 42% (above €234,870); 39% from €54,090. Class 2 (married or partnered) splits income in two. 7% employment-fund surcharge on the tax (9% above €150,000). Employee credit up to €600 and CO2 credit €216 a year (none from €80,000 gross). Flat deductions €540 for expenses and €480 special expenses.":"23 razredov od 0 % (do 13.230 €) do 42 % (nad 234.870 €); 39 % od 54.090 €. Razred 2 (v zakonu ali partnerstvu) dohodek razdeli na dva dela. 7 % dodatka za sklad za zaposlovanje na davek (9 % nad 150.000 €). Olajšava za zaposlene do 600 € in olajšava CO2 216 € na leto (nobene od 80.000 € bruto). Pavšalni odbitki 540 € za stroške in 480 € za posebne izdatke.","Employee 12.95%: pension 8.5% (up from 8% in 2026), health 3.05%, long-term care 1.4% (on pay above a quarter of the minimum wage, no ceiling). Ceiling 5× the minimum wage: €13,856.63 a month from June 2026. Employer about 12.6% (pension 8.5%, health 3.05%, accident 0.65%, occupational health 0.14%, employers’ mutual 0.23–2.66%).":"Zaposleni 12,95 %: pokojnina 8,5 % (v 2026 zvišano z 8 %), zdravstvo 3,05 %, dolgotrajna oskrba 1,4 % (na plačo nad četrtino minimalne plače, brez meje). Meja 5-kratnik minimalne plače: 13.856,63 € na mesec od junija 2026. Delodajalec približno 12,6 % (pokojnina 8,5 %, zdravstvo 3,05 %, nesreče 0,65 %, medicina dela 0,14 %, vzajemna družba delodajalcev 0,23–2,66 %).","Class 1a (single parents, widowed) uses its own scale; travel-distance deductions, interest and insurance deductions, and the cross-border worker rules are not modelled. Wages are indexed automatically (last step June 2026).":"Razred 1a (samohranilci, ovdoveli) uporablja lastno lestvico; odbitki za razdaljo prevoza, obresti in zavarovanja ter pravila za čezmejne delavce niso upoštevani. Plače se samodejno indeksirajo (zadnji korak junija 2026).","+40% for overtime (or 1.5 hours off per hour), +70% on Sundays, +100% on public holidays. Max 10 hours a day and 48 a week; overtime needs prior authorisation.":"+40 % za nadure (ali 1,5 ure prostega na uro), +70 % ob nedeljah, +100 % ob praznikih. Največ 10 ur na dan in 48 na teden; nadure zahtevajo predhodno dovoljenje.","Overtime pay, and Sunday, holiday and night premiums, are exempt from income tax; social contributions still apply. Applied here.":"Plačilo nadur ter nedeljski, praznični in nočni dodatki so oproščeni dohodnine; socialni prispevki se še vedno plačajo. Tu upoštevano.","10 h / day, 48 h / week":"10 h / dan, 48 h / teden","Self-employed (indépendant)":"Samozaposleni (indépendant)","Contributions on profit, at least on the minimum wage and at most on the ceiling: pension 17%, health 6.1%, accident 0.65%, employers’ mutual, plus 1.4% long-term care on all income. Profit is taxed on the normal scale with the self-employed credit (up to €600) and CO2 credit (€216).":"Prispevki od dobička, najmanj od minimalne plače in največ od meje: pokojnina 17 %, zdravstvo 6,1 %, nesreče 0,65 %, vzajemna družba delodajalcev ter 1,4 % za dolgotrajno oskrbo od vseh dohodkov. Dobiček je obdavčen po običajni lestvici z olajšavo za samozaposlene (do 600 €) in olajšavo CO2 (216 €).","Old-age pension (CNAP)":"Starostna pokojnina (CNAP)","Flat part: up to €678.70 a month for 40 years (index 992.24) + proportional part: 1.763% of all your insured pay (2026), plus 0.016% for each year that age + career exceeds 95, max 2.05%. Minimum €2,436.04 a month with 40 years (pro rata from 20).":"Pavšalni del: do 678,70 € na mesec za 40 let (indeks 992,24) + sorazmerni del: 1,763 % vseh zavarovanih plač (2026) in 0,016 % za vsako leto, ko starost + kariera presežeta 95, največ 2,05 %. Najnižja 2.436,04 € na mesec s 40 leti (sorazmerno od 20).","65 with at least 10 years of insurance; from 60 with 40 years (including credited periods) or from 57 with 40 years of contributions, without reduction. Pensions follow wage indexation.":"65 z najmanj 10 leti zavarovanja; od 60 s 40 leti (vključno s priznanimi obdobji) ali od 57 s 40 leti prispevkov, brez znižanja. Pokojnine sledijo indeksaciji plač.","Health 2.8% and long-term care 1.4%, then income tax with the pensioner credit (similar to the employee credit).":"Zdravstvo 2,8 % in dolgotrajna oskrba 1,4 %, nato dohodnina z olajšavo za upokojence (podobno kot za zaposlene).","Private pension plans (art. 111bis) are deductible up to €4,500 a year per person (2026). Employer pension contributions are taxed at a flat 20% paid by the employer.":"Zasebni pokojninski načrti (čl. 111bis) se odbijejo do 4.500 € na leto na osebo (2026). Pokojninski prispevki delodajalca so obdavčeni s pavšalnimi 20 %, ki jih plača delodajalec.","Private pension savings (prévoyance-vieillesse, art. 111bis): deductible up to €4,500 a year, for at least 11 years and paid out not before 60. At payout up to half can be taken as a lump sum taxed at half your rate; the rest as an annuity, half of which is tax-free.":"Zasebno pokojninsko varčevanje (prévoyance-vieillesse, čl. 111bis): odbitno do 4.500 € na leto, najmanj 11 let in z izplačilom ne pred 60. letom. Ob izplačilu je do polovice mogoče dvigniti v enkratnem znesku, obdavčenem po polovični stopnji; ostalo kot rento, katere polovica je neobdavčena.","Europe Day":"Dan Evrope","St Stephen’s Day":"Štefanovo","26 working days a year (5-day week), whatever your age; collective agreements may add more. 11 public holidays; one falling on a Sunday gives a replacement day within 3 months.":"26 delovnih dni na leto (5-dnevni teden), ne glede na starost; kolektivne pogodbe lahko dodajo več. 11 praznikov; tisti, ki pade na nedeljo, da nadomestni dan v 3 mesecih.","20 weeks (8 before, 12 after the birth)":"20 tednov (8 pred rojstvom, 12 po njem)","100% of pay from health insurance (up to the ceiling)":"100 % plače iz zdravstvenega zavarovanja (do meje)","10 days within 2 months of the birth":"10 dni v 2 mesecih po rojstvu","100% (employer, partly reimbursed by the state)":"100 % (delodajalec, delno povrne država)","4 or 6 months full time per parent until the child is 6 (also part time or split)":"4 ali 6 mesecev s polnim delovnim časom na starša, dokler otrok ne dopolni 6 let (tudi s krajšim časom ali razdeljeno)","Allowance based on pay, between the minimum wage and 5/3 of it":"Nadomestilo glede na plačo, med minimalno plačo in 5/3 te","Leave for family reasons":"Dopust iz družinskih razlogov","12 days per child under 4, 18 for ages 4–12, 5 for 13–17":"12 dni na otroka do 4. leta, 18 za starost 4–12, 5 za 13–17","100% (health insurance)":"100 % (zdravstveno zavarovanje)","5 days a year":"5 dni na leto","Employer pays until the end of the month of the 77th day, then health insurance":"Delodajalec plača do konca meseca, v katerem je 77. dan, nato zdravstveno zavarovanje","100% of pay, up to 78 weeks in 104":"100 % plače, do 78 tednov v 104","Dismissal with notice":"Odpoved z odpovednim rokom","By the employer: 2 months under 5 years of service, 4 months for 5–10 years, 6 months from 10. By you: half of that (1, 2 or 3 months).":"Delodajalec: 2 meseca pri manj kot 5 letih delovne dobe, 4 meseci pri 5–10 letih, 6 mesecev od 10. Ti: polovico tega (1, 2 ali 3 mesece).","After 5 years: 1 month’s pay, 2 after 10, 3 after 15, 6 after 20, 9 after 25, 12 after 30 (small employers may extend the notice instead). Free of tax and social contributions. Not due on resignation or serious misconduct.":"Po 5 letih: 1 mesečna plača, 2 po 10, 3 po 15, 6 po 20, 9 po 25, 12 po 30 (majhni delodajalci lahko namesto tega podaljšajo odpovedni rok). Oproščeno davka in socialnih prispevkov. Ne pripada ob lastni odpovedi ali hujši kršitvi.","80% of your gross pay (85% with a dependent child), capped at 2.5× the minimum wage (€6,928 a month) for 6 months, then 2×. Paid for as many months as you worked in the last 12 (at least 26 weeks), max 12; taxed. Not after resigning.":"80 % bruto plače (85 % z vzdrževanim otrokom), omejeno na 2,5-kratnik minimalne plače (6.928 € na mesec) 6 mesecev, nato 2-kratnik. Izplačuje se toliko mesecev, kolikor je bilo mesecev dela v zadnjih 12 (najmanj 26 tednov), največ 12; obdavčeno. Ne po lastni odpovedi.","Married or in a registered partnership? Class 2 usually lowers the tax a lot; choose it above.":"V zakonu ali registriranem partnerstvu? Razred 2 običajno močno zniža davek; izberi ga zgoraj.","Overtime and Sunday or holiday premiums are tax-free in Luxembourg: see the Extra pay tab.":"Nadure ter nedeljski in praznični dodatki so v Luksemburgu neobdavčeni: glej zavihek Dodatno plačilo.","Family allowance €315.04 a month per child from June 2026, +€23.81 from age 6 and +€59.44 from age 12, paid regardless of income. Couples taxed in class 2 split their joint income.":"Družinski dodatek 315,04 € na mesec na otroka od junija 2026, +23,81 € od 6. leta in +59,44 € od 12. leta, ne glede na dohodek. Pari, obdavčeni v razredu 2, razdelijo skupni dohodek.","Severance after 5 years (1–12 months, tax-free)":"Odpravnina po 5 letih (1–12 mesecev, neobdavčena)","20 weeks at 100%":"20 tednov s 100 %","10 days at 100%":"10 dni s 100 %","4–6 months per parent until 6, paid allowance":"4–6 mesecev na starša do 6. leta, plačan dodatek","100% up to 78 weeks":"100 % do 78 tednov","Resident employee; annual tax as in the assessment (monthly withholding follows the tax card and can differ slightly). Class 1a, cross-border (non-resident) rules and individual deductions are not modelled. Employer cost uses mutual class 1.":"Zaposleni rezident; letni davek kot v odmeri (mesečni odtegljaj sledi davčni kartici in se lahko nekoliko razlikuje). Razred 1a, pravila za čezmejne delavce (nerezidente) in posamezni odbitki niso upoštevani. Strošek delodajalca uporablja razred vzajemne družbe 1.","Official sources: Administration des contributions directes (ACD), CCSS (social parameters), CNAP (pensions), ADEM (unemployment), CAE (family allowance), guichet.lu.":"Uradni viri: Administration des contributions directes (ACD), CCSS (socialni parametri), CNAP (pokojnine), ADEM (brezposelnost), CAE (družinski dodatek), guichet.lu.","Tax class 1 on €54,090 (before surcharge)":"Davčni razred 1 na 54.090 € (pred dodatkom)","Employee tax credit at €30,000 gross":"Davčna olajšava za zaposlene pri 30.000 € bruto","Employee + CO2 credit at €60,000 gross":"Olajšava za zaposlene + CO2 pri 60.000 € bruto","Employee contributions, €5,000/month":"Prispevki zaposlenega, 5.000 €/mesec","Monthly contribution ceiling (5× minimum wage)":"Mesečna meja prispevkov (5-kratnik minimalne plače)","Minimum pension, 40 years (per month)":"Najnižja pokojnina, 40 let (na mesec)","Severance after 20 years (months of pay)":"Odpravnina po 20 letih (mesečne plače)","Maximum unemployment benefit, months 1–6":"Najvišje nadomestilo za brezposelnost, meseci 1–6","Family allowance per child (per month)":"Družinski dodatek na otroka (na mesec)","Social insurance on monthly pay (18.07%)":"Socialno zavarovanje na mesečno plačo (18,07 %)","Social insurance on 13th/14th salary (17.07%)":"Socialno zavarovanje na 13./14. plačo (17,07 %)","Wage tax on monthly pay (after credits)":"Davek na mesečno plačo (po olajšavah)","Wage tax on 13th/14th salary (6%)":"Davek na 13./14. plačo (6 %)","Familienbonus Plus (tax credit)":"Familienbonus Plus (davčna olajšava)","Family allowance + child credit (paid separately, age 3–9)":"Družinski dodatek + olajšava za otroka (izplačano ločeno, starost 3–9)","Social insurance for the self-employed (SVS)":"Socialno zavarovanje za samozaposlene (SVS)","6 weeks":"6 tednov","Severance fund payout (Abfertigung neu, 1.53% a year, taxed 6%)":"Izplačilo iz sklada za odpravnine (Abfertigung neu, 1,53 % na leto, obdavčeno s 6 %)","to the end of a quarter, unless agreed otherwise":"do konca četrtletja, razen če je dogovorjeno drugače","Severance fund (after 3 years)":"Sklad za odpravnine (po 3 letih)","annual pay":"letna plača","Austria":"Avstrija","Single earner or single parent (credit)":"Edini zaslužek ali enostarševska družina (olajšava)","Wage tax 2026":"Davek na plačo 2026","On monthly pay: 0% to €13,539, 20% to €21,992, 30% to €36,458, 40% to €70,365, 48% to €104,859, 50% to €1 million, 55% above (a year), minus the transport credit €496. 13th and 14th salaries: €620 free, then 6% (up to one sixth of the year’s pay). Familienbonus Plus €2,000.16 a year per child under 18.":"Na mesečno plačo: 0 % do 13.539 €, 20 % do 21.992 €, 30 % do 36.458 €, 40 % do 70.365 €, 48 % do 104.859 €, 50 % do 1 milijona €, 55 % nad tem (na leto), minus olajšava za prevoz 496 €. 13. in 14. plača: 620 € neobdavčeno, nato 6 % (do ene šestine letne plače). Familienbonus Plus 2.000,16 € na leto na otroka do 18. leta.","Employee 18.07% (pension 10.25%, health 3.87%, unemployment 2.95%, chamber of labour 0.5%, housing 0.5%) up to €6,930 a month (0.25% more in Vienna); 17.07% on 13th/14th salary up to €13,860 a year. Unemployment insurance is 0–2% below €2,630 a month. Employer about 21.2% plus 3.7% family fund, municipal tax 3% and 1.53% severance fund.":"Zaposleni 18,07 % (pokojnina 10,25 %, zdravstvo 3,87 %, brezposelnost 2,95 %, delavska zbornica 0,5 %, stanovanjski prispevek 0,5 %) do 6.930 € na mesec (na Dunaju 0,25 % več); 17,07 % na 13./14. plačo do 13.860 € na leto. Zavarovanje za brezposelnost je pod 2.630 € na mesec 0–2 %. Delodajalec približno 21,2 % ter 3,7 % družinski sklad, 3 % občinski davek in 1,53 % sklad za odpravnine.","Commuter allowance (Pendlerpauschale), negative tax refunds for low incomes, tax-free overtime and night premiums, and collective-agreement extras.":"Dodatek za vožnjo na delo (Pendlerpauschale), negativna vračila davka za nizke dohodke, neobdavčene nadure in nočni dodatki ter dodatki po kolektivni pogodbi.","+50% for overtime (beyond 40 hours or the agreed normal hours), usually +100% on Sundays and public holidays by collective agreement. Max 12 hours a day and 60 a week, 48 on average over 17 weeks.":"+50 % za nadure (nad 40 ur ali dogovorjeni redni delovni čas), po kolektivni pogodbi običajno +100 % ob nedeljah in praznikih. Največ 12 ur na dan in 60 na teden, povprečno 48 v 17 tednih.","Part of the overtime premiums (for about 10 hours a month) and Sunday, holiday and night premiums up to €360 a month are tax-free; this tool taxes all extra pay at your marginal rate, so it slightly understates what you keep.":"Del dodatkov za nadure (za približno 10 ur na mesec) ter nedeljski, praznični in nočni dodatki do 360 € na mesec so neobdavčeni; to orodje obdavči vse dodatno plačilo po tvoji mejni stopnji, zato nekoliko podceni, koliko ti ostane.","12 h / day, 60 h / week":"12 h / dan, 60 h / teden","New self-employed (SVS)":"Novi samozaposleni (SVS)","Social insurance on profit: pension 18.5%, health 6.8%, self-employed provision 1.53%, accident €12.07 a month; minimum base €551.10 and maximum €8,085 a month (2026). 15% basic profit allowance on profit up to €33,000, then the normal tariff. No 6% rate on 13th/14th salaries.":"Socialno zavarovanje od dobička: pokojnina 18,5 %, zdravstvo 6,8 %, rezervacija za samozaposlene 1,53 %, nesreče 12,07 € na mesec; najnižja osnova 551,10 € in najvišja 8.085 € na mesec (2026). 15 % osnovne olajšave za dobiček do 33.000 €, nato običajna tarifa. Brez stopnje 6 % za 13./14. plačo.","Pension account (APG)":"Pokojninski račun (APG)","Every year 1.78% of your contribution base (max €97,020 in 2026) is credited and revalued with average wages. The annual credit is your yearly pension, paid in 14 instalments; at least 15 years of insurance are needed.":"Vsako leto se pripiše 1,78 % tvoje prispevne osnove (največ 97.020 € v 2026), revalorizirano s povprečnimi plačami. Letni pripis je tvoja letna pokojnina, izplačana v 14 obrokih; potrebnih je najmanj 15 let zavarovanja.","65 for men; for women rising from 60 to 65 for those born 1964–1968. Corridor pension from 62 with 40 years (rising to 63 and 42 years), −5.1% a year before 65; +4.2% a year for working on after 65 (max 3 years).":"65 za moške; za ženske, rojene 1964–1968, se zvišuje s 60 na 65. Koridorska pokojnina od 62 s 40 leti (zvišuje se na 63 in 42 let), −5,1 % na leto pred 65; +4,2 % na leto za delo po 65 (največ 3 leta).","5.1% health insurance, wage tax with the pensioner credit; the 13th and 14th payments are taxed at 6%. Low pensions are topped up to the equalisation supplement (Ausgleichszulage).":"5,1 % zdravstvenega zavarovanja, davek na plačo z olajšavo za upokojence; 13. in 14. izplačilo sta obdavčena s 6 %. Nizke pokojnine se dopolnijo do izravnalnega dodatka (Ausgleichszulage).","Prämienbegünstigte Zukunftsvorsorge: the state adds 4.25% on up to €3,286.08 a year; capital gains are tax-free and a lifelong annuity is tax-free. Employer contributions to a pension fund (Pensionskasse) are tax-free now and taxed as pension later. Other savings pay 27.5% capital-gains tax.":"Prämienbegünstigte Zukunftsvorsorge: država doda 4,25 % na do 3.286,08 € na leto; kapitalski dobički so neobdavčeni, doživljenjska renta prav tako. Prispevki delodajalca v pokojninski sklad (Pensionskasse) so zdaj neobdavčeni, pozneje pa obdavčeni kot pokojnina. Drugi prihranki plačajo 27,5 % davka na kapitalske dobičke.","5 weeks a year: 25 working days on a 5-day week (30 working days on a 6-day count), rising to 6 weeks after 25 years with the employer. 13 public holidays; no replacement day when one falls on a weekend.":"5 tednov na leto: 25 delovnih dni pri 5-dnevnem tednu (30 delovnih dni pri 6-dnevnem štetju), po 25 letih pri delodajalcu 6 tednov. 13 praznikov; ko pade na vikend, ni nadomestnega dne.","Maternity protection":"Varstvo materinstva","8 weeks before and 8 after the birth (12 after a caesarean or premature birth)":"8 tednov pred rojstvom in 8 po njem (12 po carskem rezu ali prezgodnjem porodu)","Maternity benefit = average net pay of the last 3 months":"Porodniško nadomestilo = povprečna neto plača zadnjih 3 mesecev","Father’s month (Papamonat)":"Očetovski mesec (Papamonat)","1 month after the birth":"1 mesec po rojstvu","Family-time bonus about €55 a day":"Bonus za družinski čas približno 55 € na dan","Parental leave (Karenz)":"Starševski dopust (Karenz)","Until the child is 2 if both parents take part (22 months if only one)":"Dokler otrok ne dopolni 2 let, če sodelujeta oba starša (22 mesecev, če samo eden)","Childcare benefit: flat account or 80% of income (max about €76 a day)":"Otroški dodatek za varstvo: pavšalni račun ali 80 % dohodka (največ približno 76 € na dan)","Care leave (Pflegefreistellung)":"Negovalni dopust (Pflegefreistellung)","1 week a year, plus 1 more for a child under 12":"1 teden na leto in še 1 za otroka do 12. leta","6 weeks full pay (8 after 1 year, 10 after 15, 12 after 25), then 4 weeks half pay":"6 tednov polne plače (8 po 1 letu, 10 po 15, 12 po 25), nato 4 tedne polovične plače","By employer, then health-insurance sick pay":"Delodajalec, nato bolniško nadomestilo zdravstvenega zavarovanja","Employer: 6 weeks under 2 years of service, 2 months from 2, 3 months from 5, 4 months from 15, 5 months from 25, to the end of a quarter (or the 15th or last day of a month if the contract says so). Employee: 1 month to the end of a month.":"Delodajalec: 6 tednov pri manj kot 2 letih delovne dobe, 2 meseca od 2, 3 meseci od 5, 4 meseci od 15, 5 mesecev od 25, do konca četrtletja (ali do 15. ali zadnjega dne v mesecu, če tako določa pogodba). Zaposleni: 1 mesec do konca meseca.","Severance (Abfertigung neu)":"Odpravnina (Abfertigung neu)","For jobs since 2003 the employer pays 1.53% of pay into a severance fund from the 2nd month. After 3 years of contributions you can take the balance on dismissal (taxed 6%) or leave it for your pension; it is never lost on resignation, only carried forward.":"Za zaposlitve od 2003 delodajalec od 2. meseca vplačuje 1,53 % plače v sklad za odpravnine. Po 3 letih prispevkov lahko stanje ob odpovedi dvigneš (obdavčeno s 6 %) ali ga pustiš za pokojnino; ob lastni odpovedi se nikoli ne izgubi, samo prenese.","55% of your net daily income (from the previous year’s gross, up to the contribution ceiling), plus family supplements. 20 weeks; 30 with 3 years of insurance in 5; 39 from age 40 with 6 years in 10; 52 from 50 with 9 years in 15. After resigning there is a 4-week wait.":"55 % neto dnevnega dohodka (iz bruto prejšnjega leta, do meje prispevkov) in družinski dodatki. 20 tednov; 30 s 3 leti zavarovanja v 5; 39 od 40. leta s 6 leti v 10; 52 od 50. leta z 9 leti v 15. Po lastni odpovedi je 4 tedne čakanja.","Austria pays 14 salaries: the 13th and 14th are taxed at only 6%, so compare offers by annual pay.":"Avstrija izplačuje 14 plač: 13. in 14. sta obdavčeni le s 6 %, zato ponudbe primerjaj po letni plači.","Each child under 18 cuts your tax by up to €2,000.16 a year (Familienbonus Plus).":"Vsak otrok do 18. leta zniža tvoj davek za do 2.000,16 € na leto (Familienbonus Plus).","Family allowance €138.40–200.40 a month per child by age, plus the child tax credit €70.90 a month (2026, frozen at 2025 levels), paid together; not means-tested. Familienbonus Plus cuts tax by up to €2,000.16 per child.":"Družinski dodatek 138,40–200,40 € na mesec na otroka glede na starost in davčna olajšava za otroka 70,90 € na mesec (2026, zamrznjeno na ravni 2025), izplačana skupaj; ne glede na dohodek. Familienbonus Plus zniža davek za do 2.000,16 € na otroka.","Severance fund balance after 3 years (1.53% a year, 6% tax)":"Stanje v skladu za odpravnine po 3 letih (1,53 % na leto, 6 % davka)","16 weeks at 100% of net (8 + 8)":"16 tednov s 100 % neta (8 + 8)","1 month with family-time bonus (~€55/day)":"1 mesec z bonusom za družinski čas (~55 €/dan)","Until age 2, childcare benefit flat or 80% of income":"Do 2. leta, otroški dodatek za varstvo pavšalno ali 80 % dohodka","6–12 weeks full pay, then half, then health insurance":"6–12 tednov polne plače, nato polovica, nato zdravstveno zavarovanje","White-collar employee with 14 salaries; wage tax as withheld on regular pay and special payments. Commuter allowance, tax-free overtime and night premiums, negative tax refunds and collective-agreement extras are not modelled.":"Uslužbenec s 14 plačami; davek na plačo, kot se odtegne od redne plače in posebnih izplačil. Dodatek za vožnjo na delo, neobdavčene nadure in nočni dodatki, negativna vračila davka in dodatki po kolektivni pogodbi niso upoštevani.","Official sources: BMF (Brutto-Netto-Rechner, Steuerbuch 2026), Österreichische Gesundheitskasse (Veränderliche Werte 2026), Pensionsversicherungsanstalt, AMS, oesterreich.gv.at.":"Uradni viri: BMF (Brutto-Netto-Rechner, Steuerbuch 2026), Österreichische Gesundheitskasse (Veränderliche Werte 2026), Pensionsversicherungsanstalt, AMS, oesterreich.gv.at.","Net per year, €2,400 × 14 (Styria)":"Neto na leto, 2.400 € × 14 (Štajerska)","Net per year, €4,000 × 14 (Styria)":"Neto na leto, 4.000 € × 14 (Štajerska)","Net per year, €8,000 × 14 (above the ceiling)":"Neto na leto, 8.000 € × 14 (nad mejo)","Wage tax per year, €4,000 × 14":"Davek na plačo na leto, 4.000 € × 14","Tariff tax on €40,000":"Davek po tarifi na 40.000 €","Tax on 13th/14th salary of €8,000 (after 17.07% SS)":"Davek na 13./14. plačo 8.000 € (po 17,07 % SV)","Employee social insurance, €4,000/month (per month)":"Socialno zavarovanje zaposlenega, 4.000 €/mesec (na mesec)","Employee social insurance, €2,300/month (1% unemployment)":"Socialno zavarovanje zaposlenega, 2.300 €/mesec (1 % brezposelnost)","Employee social insurance at the ceiling (per month)":"Socialno zavarovanje zaposlenega pri meji (na mesec)","Pension credit for one year at €50,000":"Pokojninski pripis za eno leto pri 50.000 €","Familienbonus Plus per child (per year)":"Familienbonus Plus na otroka (na leto)","Family allowance + child credit, age 3–9 (per month)":"Družinski dodatek + olajšava za otroka, starost 3–9 (na mesec)","Your money, calculated":"Tvoj denar, izračunan","Social security 11%":"Socialna varnost 11 %","IRS income tax (after deductions)":"Dohodnina IRS (po odbitkih)","Taxable income (after the €4,587 specific deduction)":"Obdavčljivi dohodek (po posebnem odbitku 4.587 €)","IRS Jovem exemption":"Oprostitev IRS Jovem","Independent workers’ social security (21.4% on 70%)":"Socialna varnost samostojnih delavcev (21,4 % na 70 %)","written notice for collective dismissal or job extinction":"pisna odpoved pri kolektivnem odpuščanju ali ukinitvi delovnega mesta","Compensation":"Odškodnina","14 days per year (max 12 months)":"14 dni na leto (največ 12 mesecev)","Portugal":"Portugalska","Single (or separate filing)":"Samska oseba (ali ločena napoved)","Married, joint filing, sole earner":"Zakonca, skupna napoved, en zaslužek","IRS Jovem: year of work (1–10, 0 = no)":"IRS Jovem: leto dela (1–10, 0 = ne)","Nine brackets from 12.5% (up to €8,342) to 48% (above €86,634), after the specific deduction of €4,587.09 (or your social security if higher). Solidarity surcharge 2.5% above €80,000 and 5% above €250,000. Tax credits: €250 general family expenses per taxpayer, €600 per child. Nobody is left with less than €12,880 after tax (minimum of existence). Usually 14 salaries.":"Devet razredov od 12,5 % (do 8.342 €) do 48 % (nad 86.634 €), po posebnem odbitku 4.587,09 € (ali tvojih prispevkih za socialno varnost, če so višji). Solidarnostni dodatek 2,5 % nad 80.000 € in 5 % nad 250.000 €. Davčne olajšave: 250 € splošnih družinskih stroškov na zavezanca, 600 € na otroka. Nikomur po davku ne ostane manj kot 12.880 € (eksistenčni minimum). Običajno 14 plač.","Up to age 35, the first 10 years of work are partly exempt: 100% in year 1, 75% in years 2–4, 50% in years 5–7, 25% in years 8–10, on income up to €29,542 (55 × IAS).":"Do 35. leta je prvih 10 let dela delno oproščenih: 100 % v 1. letu, 75 % v 2.–4. letu, 50 % v 5.–7. letu, 25 % v 8.–10. letu, na dohodek do 29.542 € (55 × IAS).","Employee 11%, employer 23.75%, with no ceiling. Minimum wage €920 a month (14 payments) in 2026.":"Zaposleni 11 %, delodajalec 23,75 %, brez meje. Minimalna plača 920 € na mesec (14 izplačil) v 2026.","On working days +25% for the first hour and +37.5% for each further hour; +50% on rest days and public holidays. Max 2 hours a day and 150 hours a year (175 in small firms, up to 200 by collective agreement).":"Na delovne dni +25 % za prvo uro in +37,5 % za vsako nadaljnjo; +50 % na dneve počitka in praznike. Največ 2 uri na dan in 150 ur na leto (175 v majhnih podjetjih, do 200 po kolektivni pogodbi).","Overtime is taxed and insured like normal pay.":"Nadure so obdavčene in zavarovane kot običajna plača.","150 h / year":"150 h / leto","Independent worker (recibos verdes)":"Samostojni delavec (recibos verdes)","Simplified regime for services: 75% of turnover is taxed on the normal IRS scale (part of it only if you show 15% of expenses). Social security 21.4% on 70% of turnover, declared quarterly; exempt in the first 12 months. VAT exemption below €15,000.":"Poenostavljeni režim za storitve: 75 % prometa je obdavčenih po običajni lestvici IRS (del tega le, če izkažeš 15 % stroškov). Socialna varnost 21,4 % na 70 % prometa, prijava četrtletno; v prvih 12 mesecih oproščeno. Oprostitev DDV pod 15.000 €.","Old-age pension":"Starostna pokojnina","Reference earnings = average of your best 40 years (revalued), ÷ 14. Each year of contributions adds 2.3% of the part up to 1.1 × IAS, 2.25% up to 2 × IAS, 2.2% up to 4 × IAS, 2.1% up to 8 × IAS and 2% above (IAS €537.13 in 2026). Minimum 15 years. Paid 14 times a year.":"Referenčni zaslužek = povprečje tvojih najboljših 40 let (revalorizirano), ÷ 14. Vsako leto prispevkov doda 2,3 % dela do 1,1 × IAS, 2,25 % do 2 × IAS, 2,2 % do 4 × IAS, 2,1 % do 8 × IAS in 2 % nad tem (IAS 537,13 € v 2026). Najmanj 15 let. Izplačuje se 14-krat na leto.","Normal age 66 years 9 months in 2026 and 66 years 11 months in 2027, then linked to life expectancy. It drops by 4 months for each year above 40 of contributions at age 60. Early from 60 with 40 years: −0.5% a month before your personal age. Working past it adds a bonus.":"Redna starost 66 let in 9 mesecev v 2026 in 66 let in 11 mesecev v 2027, nato vezana na življenjsko dobo. Zniža se za 4 mesece za vsako leto prispevkov nad 40 pri 60. letu. Predčasno od 60 s 40 leti: −0,5 % na mesec pred tvojo osebno starostjo. Delo po njej doda bonus.","Pensions pay IRS after the same €4,587 deduction, but no social security. Low pensions are topped up by the solidarity supplement for the elderly (CSI).":"Pokojnine plačajo IRS po enakem odbitku 4.587 €, socialne varnosti pa ne. Nizke pokojnine dopolni solidarnostni dodatek za starejše (CSI).","Plano Poupança Reforma (PPR): 20% of what you pay is credited against IRS within the age-based cap. Withdrawals after 60 (or 5 years) tax only the gains at an effective 8%; early withdrawals lose the credit. Other savings pay 28% on returns.":"Plano Poupança Reforma (PPR): 20 % vplačil se v okviru omejitve glede na starost upošteva kot olajšava pri IRS. Dvigi po 60. letu (ali po 5 letih) obdavčijo le dobičke z efektivnimi 8 %; predčasni dvigi izgubijo olajšavo. Drugi prihranki plačajo 28 % od donosov.","Freedom Day":"Dan svobode","Portugal Day":"Dan Portugalske","Restoration of Independence":"Obnovitev neodvisnosti","22 working days a year; in the year you start, 2 days per month worked (max 20). Holiday pay (subsídio de férias) of one month’s pay is paid on top, with the Christmas bonus as the 13th and 14th salaries. 13 national holidays (one is always a Sunday) plus a municipal holiday; Carnival is often given.":"22 delovnih dni na leto; v letu začetka 2 dneva na mesec dela (največ 20). Regres (subsídio de férias) v višini mesečne plače se izplača dodatno, z božičnico kot 13. in 14. plača. 13 državnih praznikov (eden je vedno nedelja) in občinski praznik; pust je pogosto prost.","Initial parental leave":"Začetni starševski dopust","120 days at 100% or 150 days at 80% (180 days at 83% if shared); the mother takes 42 days after birth":"120 dni s 100 % ali 150 dni z 80 % (180 dni s 83 %, če se deli); mati vzame 42 dni po rojstvu","Social security, on reference pay":"Socialna varnost, od referenčne plače","Father’s exclusive leave":"Izključni očetovski dopust","28 days in the 42 days after birth (7 right after), plus 7 optional":"28 dni v 42 dneh po rojstvu (7 takoj po njem) in 7 neobveznih","100% from social security":"100 % od socialne varnosti","Extended parental leave":"Podaljšani starševski dopust","3 months per parent after the initial leave":"3 mesece na starša po začetnem dopustu","30%–40% of reference pay":"30–40 % referenčne plače","Care for a sick child":"Nega bolnega otroka","Up to 30 days a year (child under 12)":"Do 30 dni na leto (otrok do 12. leta)","65% from social security":"65 % od socialne varnosti","Informal carer leave":"Dopust za neformalne oskrbovalce","5 working days a year":"5 delovnih dni na leto","Unpaid by employer":"Delodajalec ne plača","3 waiting days, then sickness benefit":"3 dnevi čakanja, nato nadomestilo za bolezen","55% the first 30 days, rising to 75% after a year":"55 % prvih 30 dni, po enem letu do 75 %","Dismissal (collective or job extinction)":"Odpoved (kolektivna ali ukinitev delovnega mesta)","For collective dismissal or extinction of the job: 14 days of base pay plus seniority pay per year of service (pro rata), with pay counted up to 20 minimum wages and a total cap of 12 months’ pay or 240 minimum wages. Tax-free at this legal level.":"Pri kolektivnem odpuščanju ali ukinitvi delovnega mesta: 14 dni osnovne plače in dodatka za delovno dobo na leto delovne dobe (sorazmerno), pri čemer se plača upošteva do 20 minimalnih plač, skupna meja pa je 12 mesečnih plač ali 240 minimalnih plač. Na tej zakonski ravni neobdavčeno.","Employer: 15 days under 1 year of service, 30 days for 1–5 years, 60 for 5–10, 75 from 10. Employee: 30 days under 2 years, 60 from 2.":"Delodajalec: 15 dni pri manj kot 1 letu delovne dobe, 30 dni pri 1–5 letih, 60 pri 5–10, 75 od 10. Zaposleni: 30 dni pri manj kot 2 letih, 60 od 2.","65% of your gross reference pay, between €537.13 (IAS) and €1,342.83 (2.5 × IAS) a month and not above 75% of net pay; −10% after 6 months. Duration 5 to 18 months by age and contribution record, plus extra months for long careers. Needs 360 days of work in the last 24 months; not after resigning.":"65 % bruto referenčne plače, med 537,13 € (IAS) in 1.342,83 € (2,5 × IAS) na mesec in ne več kot 75 % neto plače; −10 % po 6 mesecih. Trajanje 5 do 18 mesecev glede na starost in zavarovalno dobo ter dodatni meseci za dolge kariere. Potrebnih je 360 dni dela v zadnjih 24 mesecih; ne po lastni odpovedi.","Under 35 and in your first 10 years of work? IRS Jovem can exempt part of your pay: set your year of work above.":"Mlajši od 35 let in v prvih 10 letih dela? IRS Jovem lahko oprosti del plače: zgoraj nastavi svoje leto dela.","Paying into a PPR gives back 20% of it as a tax credit (up to €300–400 a year).":"Vplačila v PPR vrnejo 20 % zneska kot davčno olajšavo (do 300–400 € na leto).","Child benefit (abono de família) depends on household income bands and is not paid above the 4th band; a child guarantee supplement exists for low incomes. Married couples can file jointly, which the household table does not model.":"Otroški dodatek (abono de família) je odvisen od dohodkovnih razredov gospodinjstva in se nad 4. razredom ne izplačuje; za nizke dohodke obstaja dodatek otroškega jamstva. Zakonca lahko oddata skupno napoved, česar tabela gospodinjstva ne upošteva.","Compensation 14 days per year (tax-free)":"Odškodnina 14 dni na leto (neobdavčena)","120 days at 100% (or 150 at 80%)":"120 dni s 100 % (ali 150 z 80 %)","28 days at 100% + 7 optional":"28 dni s 100 % + 7 neobveznih","3 months per parent at 30–40%":"3 mesece na starša s 30–40 %","3 waiting days, then 55–75%":"3 dnevi čakanja, nato 55–75 %","Annual IRS as in the return for one taxpayer (or a married couple filing jointly with one income); monthly withholding uses tables and can differ. Health, education and housing deductions, the autonomous regions’ lower rates (Azores, Madeira) and meal allowances are not modelled.":"Letni IRS kot v napovedi za enega zavezanca (ali zakonca s skupno napovedjo in enim dohodkom); mesečni odtegljaj uporablja tabele in se lahko razlikuje. Odbitki za zdravstvo, izobraževanje in stanovanje, nižje stopnje avtonomnih regij (Azori, Madeira) in dodatki za prehrano niso upoštevani.","Official sources: Portal das Finanças (AT), Segurança Social (pension and unemployment guides), INE, portugal.gov.pt.":"Uradni viri: Portal das Finanças (AT), Segurança Social (vodniki za pokojnine in brezposelnost), INE, portugal.gov.pt.","IRS scale on €43,090 taxable income":"Lestvica IRS na 43.090 € obdavčljivega dohodka","Specific deduction for employment income":"Posebni odbitek za dohodek iz zaposlitve","Employee social security, €1,700 × 14":"Socialna varnost zaposlenega, 1.700 € × 14","No IRS at the minimum wage (€920 × 14)":"Brez IRS pri minimalni plači (920 € × 14)","Maximum unemployment benefit (per month)":"Najvišje nadomestilo za brezposelnost (na mesec)","Compensation, 10 years at €1,500 base pay":"Odškodnina, 10 let pri osnovni plači 1.500 €","Accrual rate on reference earnings of €500 (per year)":"Odmerni odstotek na referenčni zaslužek 500 € (na leto)","PRSI (4.2%, 4.35% from October)":"PRSI (4,2 %, od oktobra 4,35 %)","Auto-enrolment pension (My Future Fund) 1.5%":"Pokojnina s samodejno vključitvijo (My Future Fund) 1,5 %","Income tax after credits":"Dohodnina po olajšavah","Child Benefit (paid separately)":"Child Benefit (izplačan ločeno)","Employer 1.5% + State 0.5% into your pot":"Delodajalec 1,5 % + država 0,5 % v tvoj sklad","PRSI Class S (4.2–4.35%)":"PRSI razred S (4,2–4,35 %)","Statutory redundancy (2 weeks per year + 1, tax-free)":"Zakonska odpravnina ob presežnosti (2 tedna na leto + 1, neobdavčeno)","minimum by law; contracts often give more":"zakonski minimum; pogodbe pogosto dajo več","1 week":"1 teden","2 weeks per year + 1 week (pay up to €600/week)":"2 tedna na leto + 1 teden (plača do 600 €/teden)","Ireland":"Irska","Tax status":"Davčni status","Married or civil partners, one income":"Zakonca ali registrirana partnerja, en dohodek","Auto-enrolment (My Future Fund)":"Samodejna vključitev (My Future Fund)","20% up to €44,000 (single), €53,000 (married, one income) or €48,000 (single parent), 40% above. Tax credits: personal €2,000 (€4,000 married), employee €2,000, single parent €1,900. Pension contributions are relieved at your marginal rate.":"20 % do 44.000 € (samska oseba), 53.000 € (zakonca, en dohodek) ali 48.000 € (enostarševska družina), 40 % nad tem. Davčne olajšave: osebna 2.000 € (4.000 € zakonca), za zaposlene 2.000 €, za samohranilce 1.900 €. Pokojninski prispevki so razbremenjeni po tvoji mejni stopnji.","USC and PRSI":"USC in PRSI","USC 0.5% up to €12,012, 2% up to €28,700, 3% up to €70,044, 8% above (none if income is €13,000 or less). PRSI 4.2%, rising to 4.35% from 1 October 2026, with a tapered credit between €352 and €424 a week. Employer PRSI 11.25% (11.40% from October). Minimum wage €14.15 an hour.":"USC 0,5 % do 12.012 €, 2 % do 28.700 €, 3 % do 70.044 €, 8 % nad tem (nič, če je dohodek 13.000 € ali manj). PRSI 4,2 %, od 1. oktobra 2026 4,35 %, z olajšavo, ki pada med 352 € in 424 € na teden. PRSI delodajalca 11,25 % (od oktobra 11,40 %). Minimalna plača 14,15 € na uro.","Auto-enrolment":"Samodejna vključitev","From 1 January 2026, employees aged 23–60 earning over €20,000 without a workplace pension join My Future Fund: 1.5% from you, 1.5% from the employer and 0.5% from the State, on pay up to €80,000 (rising every 3 years to 6% each). You can opt out after 6 months.":"Od 1. januarja 2026 se zaposleni, stari 23–60 let, ki zaslužijo več kot 20.000 € in nimajo poklicne pokojnine, vključijo v My Future Fund: 1,5 % od tebe, 1,5 % od delodajalca in 0,5 % od države, na plačo do 80.000 € (vsaka 3 leta se zviša do 6 % za vsakega). Po 6 mesecih lahko izstopiš.","Irish law sets no overtime rate; it comes from your contract (time-and-a-half is common). Sunday work must be compensated by a premium or time off. Average working week max 48 hours (over 4 months).":"Irski zakon ne določa stopnje za nadure; izhaja iz pogodbe (pogosto 1,5-kratna postavka). Delo ob nedeljah mora biti nadomeščeno z dodatkom ali prostim časom. Povprečni delovni teden največ 48 ur (v 4 mesecih).","Overtime pays income tax, USC and PRSI like normal pay, often at 52% at the margin.":"Za nadure se plačajo dohodnina, USC in PRSI kot za običajno plačo, mejno pogosto 52 %.","Self-employed":"Samozaposleni","Income tax with the personal and earned income credits (€2,000 each), USC with an extra 3% above €100,000, and PRSI Class S at the employee rate (minimum €650 a year). Pay and file through Revenue’s self-assessment (Form 11) with preliminary tax.":"Dohodnina z osebno olajšavo in olajšavo za zaslužen dohodek (vsaka 2.000 €), USC z dodatnimi 3 % nad 100.000 € in PRSI razreda S po stopnji za zaposlene (najmanj 650 € na leto). Plačilo in napoved prek samoodmere Revenue (obrazec 11) z akontacijo davka.","State Pension (Contributory)":"State Pension (Contributory)","Up to €299.30 a week in 2026 (+€10 from age 80), from age 66. Under the total contributions approach you need 2,080 weekly contributions (40 years) for the full rate, with a pro rata rate from 520 (10 years). It can be deferred to 70 for a higher weekly rate.":"Do 299,30 € na teden v 2026 (+10 € od 80. leta), od 66. leta. Po pristopu skupnih prispevkov potrebuješ 2.080 tedenskih prispevkov (40 let) za polno stopnjo, sorazmerno od 520 (10 let). Odložiš jo lahko do 70. leta za višjo tedensko stopnjo.","Workplace pensions":"Poklicne pokojnine","Most income in retirement comes from workplace pensions, PRSAs and now auto-enrolment. 25% of the fund can be taken tax-free (up to €200,000); the rest is taxed as income.":"Večina dohodka v pokoju izhaja iz poklicnih pokojnin, PRSA in zdaj samodejne vključitve. 25 % sklada je mogoče dvigniti neobdavčeno (do 200.000 €); ostalo je obdavčeno kot dohodek.","From 65 income up to €18,000 (€36,000 for a couple) is exempt from income tax; there is an age credit of €245. The State Pension is free of USC and PRSI.":"Od 65. leta je dohodek do 18.000 € (36.000 € za par) oproščen dohodnine; starostna olajšava znaša 245 €. State Pension je oproščena USC in PRSI.","PRSA or occupational pension: contributions get tax relief at your marginal rate (20% or 40%) within age-related limits of 15–40% of earnings, capped at €115,000. At retirement 25% is tax-free and the rest is taxed as income. Deposit interest pays 33% DIRT.":"PRSA ali poklicna pokojnina: prispevki dobijo davčno olajšavo po tvoji mejni stopnji (20 % ali 40 %) v okviru starostnih omejitev 15–40 % zaslužka, omejeno na 115.000 €. Ob upokojitvi je 25 % neobdavčenih, ostalo je obdavčeno kot dohodek. Obresti na depozite plačajo 33 % DIRT.","St Brigid’s Day":"Dan sv. Brigite","St Patrick’s Day":"Dan sv. Patrika","May bank holiday":"Majski bančni praznik","June bank holiday":"Junijski bančni praznik","August bank holiday":"Avgustovski bančni praznik","October bank holiday":"Oktobrski bančni praznik","4 working weeks a year (20 days on a 5-day week), or 8% of hours worked. 10 public holidays; for each you get a paid day off, a day’s pay, an extra day of leave or an extra day’s pay, as your employer decides.":"4 delovni tedni na leto (20 dni pri 5-dnevnem tednu) ali 8 % opravljenih ur. 10 praznikov; za vsakega dobiš plačan prost dan, dnevno plačilo, dodaten dan dopusta ali dodatno dnevno plačilo, kot odloči delodajalec.","26 weeks, plus 16 weeks unpaid":"26 tednov in 16 tednov neplačano","Maternity Benefit €299 a week (many employers top up)":"Maternity Benefit 299 € na teden (veliko delodajalcev doplača)","2 weeks within 6 months of the birth":"2 tedna v 6 mesecih po rojstvu","Paternity Benefit €299 a week":"Paternity Benefit 299 € na teden","Parent’s leave":"Starševski dopust","9 weeks per parent in the child’s first 2 years":"9 tednov na starša v prvih 2 letih otroka","Parent’s Benefit €299 a week":"Parent’s Benefit 299 € na teden","26 weeks per parent until the child is 12":"26 tednov na starša, dokler otrok ne dopolni 12 let","Leave for medical care":"Dopust za zdravstveno oskrbo","5 days a year to care for a relative":"5 dni na leto za nego sorodnika","5 days of statutory sick pay a year, then Illness Benefit":"5 dni zakonskega bolniškega nadomestila na leto, nato Illness Benefit","70% of pay up to €110 a day":"70 % plače do 110 € na dan","After 2 years of continuous service: 2 weeks’ pay per year of service plus 1 week, with weekly pay capped at €600. Tax-free; enhanced payments above it get extra tax-free amounts up to limits.":"Po 2 letih neprekinjene delovne dobe: 2 tedenski plači na leto delovne dobe in še 1 teden, pri čemer je tedenska plača omejena na 600 €. Neobdavčeno; višja izplačila nad tem dobijo dodatne neobdavčene zneske do omejitev.","Minimum from the employer: 1 week (13 weeks to 2 years of service), 2 weeks (2–5), 4 weeks (5–10), 6 weeks (10–15), 8 weeks (15+). From you: 1 week after 13 weeks.":"Najmanj od delodajalca: 1 teden (13 tednov do 2 leti delovne dobe), 2 tedna (2–5), 4 tedne (5–10), 6 tednov (10–15), 8 tednov (15+). Od tebe: 1 teden po 13 tednih.","Jobseeker’s Pay-Related Benefit":"Jobseeker’s Pay-Related Benefit","Since March 2025: 60% of previous weekly pay (max €450) for 13 weeks, then 55% (max €375) for 13 weeks, then 50% (max €300) for 13 weeks with 5+ years of PRSI; 26 weeks with 2–5 years. Not after resigning without good reason.":"Od marca 2025: 60 % prejšnje tedenske plače (največ 450 €) 13 tednov, nato 55 % (največ 375 €) 13 tednov, nato 50 % (največ 300 €) 13 tednov s 5+ leti PRSI; 26 tednov z 2–5 leti. Ne po lastni odpovedi brez utemeljenega razloga.","Above €44,000 each extra euro loses 40% tax + 3–8% USC + PRSI. Pension contributions save the 40% tax.":"Nad 44.000 € vsak dodatni evro izgubi 40 % davka + 3–8 % USC + PRSI. Pokojninski prispevki prihranijo 40 % davka.","Auto-enrolment: every €1.50 you pay brings €2 more from your employer and the State.":"Samodejna vključitev: vsakih 1,50 €, ki jih vplačaš, prinese še 2 € od delodajalca in države.","Child Benefit €140 a month per child, not means-tested. Married couples can share tax bands (up to €88,000 with two incomes), which this table does not model.":"Child Benefit 140 € na mesec na otroka, ne glede na dohodek. Zakonca lahko delita davčne razrede (do 88.000 € z dvema dohodkoma), česar ta tabela ne upošteva.","Statutory redundancy after 2 years (tax-free)":"Zakonska odpravnina ob presežnosti po 2 letih (neobdavčena)","26 weeks at €299/week + 16 unpaid":"26 tednov po 299 €/teden + 16 neplačanih","2 weeks at €299/week":"2 tedna po 299 €/teden","9 weeks paid (€299/week) + 26 unpaid until 12":"9 tednov plačanih (299 €/teden) + 26 neplačanih do 12. leta","5 days at 70% (max €110/day), then Illness Benefit":"5 dni s 70 % (največ 110 €/dan), nato Illness Benefit","Annual tax for one PAYE employee; PRSI uses the year-average rate (4.35% from October). Medical expenses, rent and other credits, benefit-in-kind and the married two-income band are not modelled.":"Letni davek za enega zaposlenega PAYE; PRSI uporablja povprečno letno stopnjo (od oktobra 4,35 %). Zdravstveni stroški, najemnina in druge olajšave, bonitete in razred za zakonca z dvema dohodkoma niso upoštevani.","Official sources: Revenue (revenue.ie), Department of Social Protection (gov.ie), Citizens Information, Workplace Relations Commission.":"Uradni viri: Revenue (revenue.ie), Department of Social Protection (gov.ie), Citizens Information, Workplace Relations Commission.","Income tax, single, €50,000":"Dohodnina, samska oseba, 50.000 €","USC on €50,000":"USC na 50.000 €","Employee PRSI at €1,000 a week (per week, from October)":"PRSI zaposlenega pri 1.000 € na teden (na teden, od oktobra)","Full State Pension (Contributory), per week":"Polna State Pension (Contributory), na teden","Statutory redundancy, 10 years at €1,000 a week":"Zakonska odpravnina ob presežnosti, 10 let pri 1.000 € na teden","Maximum Jobseeker’s Pay-Related Benefit (per week)":"Najvišji Jobseeker’s Pay-Related Benefit (na teden)","Child Benefit per child (per month)":"Child Benefit na otroka (na mesec)","Social security (Class 1) 10%":"Socialna varnost (razred 1) 10 %","Self-employed social security (Class 2) 15%":"Socialna varnost samozaposlenih (razred 2) 15 %","or paid in lieu; no statutory severance pay":"ali plačan; zakonske odpravnine ni","Notice (either side)":"Odpovedni rok (obe strani)","8 weeks + 1 per year, max 12":"8 tednov + 1 na leto, največ 12","Malta":"Malta","Tax computation":"Izračun davka","Married (joint)":"Zakonca (skupno)","Parent (single parent)":"Starš (enostarševska družina)","Single: 0% up to €12,000, 15% to €16,000, 25% to €60,000, 35% above. Married (joint): tax-free €15,000, or €17,500 with 1 child and €22,500 with 2 or more. Parent: tax-free €13,000, €14,500 with 1 child, €18,500 with 2 or more. Social security is not deductible.":"Samska oseba: 0 % do 12.000 €, 15 % do 16.000 €, 25 % do 60.000 €, 35 % nad tem. Zakonca (skupno): neobdavčeno 15.000 € ali 17.500 € z 1 otrokom in 22.500 € z 2 ali več. Starš: neobdavčeno 13.000 €, 14.500 € z 1 otrokom, 18.500 € z 2 ali več. Socialna varnost se ne odbije.","Social security and bonuses":"Socialna varnost in bonusi","Employee and employer each pay 10% of the basic wage, capped at €55.93 a week (born from 1962); the employer adds 0.3% to the maternity fund. Statutory bonuses of €512.52 and the income supplements (about €242 a year) are paid in June and December and are in the Bonus field. Cost-of-living increase (COLA) 2026: €4.66 a week.":"Zaposleni in delodajalec plačata vsak 10 % osnovne plače, omejeno na 55,93 € na teden (rojeni od 1962); delodajalec doda 0,3 % v porodniški sklad. Zakonski bonusi v višini 512,52 € in dohodkovni dodatki (približno 242 € na leto) se izplačajo junija in decembra in so v polju Bonus. Uskladitev z življenjskimi stroški (COLA) 2026: 4,66 € na teden.","Minimum wage":"Minimalna plača","€229.44 a week for adults in 2026.":"229,44 € na teden za odrasle v 2026.","Legal premium":"Zakonski dodatek","Overtime is paid at least time-and-a-half (+50%); work on public holidays and Sundays usually gets double pay or a day off by agreement. Average week max 48 hours over 17 weeks.":"Nadure se plačajo najmanj po 1,5-kratni postavki (+50 %); delo ob praznikih in nedeljah po dogovoru običajno prinese dvojno plačilo ali prost dan. Povprečni teden največ 48 ur v 17 tednih.","Overtime is taxed at your marginal rate like normal pay here.":"Nadure so tu obdavčene po tvoji mejni stopnji kot običajna plača.","Class 2 social security 15% of net income, capped at the maximum pensionable income (about €4,362 a year), with a minimum for low incomes. Profit is taxed on the same rate tables. VAT registration under Article 11 for small turnover.":"Socialna varnost razreda 2 15 % neto dohodka, omejeno na najvišji pokojninski dohodek (približno 4.362 € na leto), z minimumom za nizke dohodke. Dobiček je obdavčen po istih tabelah. Registracija za DDV po členu 11 za majhen promet.","Two-thirds pension":"Dvotretjinska pokojnina","⅔ of the average of your best 10 calendar years of the last 41, capped at the maximum pensionable income (€29,083 in 2026 for those born from 1962), reduced pro rata if you have fewer than 41 years (40 if born 1962–1968) of contributions. At least 10 years needed.":"⅔ povprečja tvojih najboljših 10 koledarskih let od zadnjih 41, omejeno na najvišji pokojninski dohodek (29.083 € v 2026 za rojene od 1962), sorazmerno znižano, če imaš manj kot 41 let (40 za rojene 1962–1968) prispevkov. Potrebnih je najmanj 10 let.","65 for those born from 1962. From 61 if you have the full contribution record and are no longer working. Pensions rise each year with the cost-of-living increase.":"65 za rojene od 1962. Od 61, če imaš polno zavarovalno dobo in ne delaš več. Pokojnine se vsako leto zvišajo z uskladitvijo z življenjskimi stroški.","Personal Retirement Scheme: a 25% tax credit on contributions up to €3,000 a year (and €750 for employer voluntary schemes). From retirement up to 30% can be taken as a tax-free lump sum; the rest is taxed as income. Bank interest can be taxed at a final 15%.":"Personal Retirement Scheme: 25 % davčne olajšave na prispevke do 3.000 € na leto (in 750 € za prostovoljne sheme delodajalca). Od upokojitve je do 30 % mogoče dvigniti kot neobdavčen enkratni znesek; ostalo je obdavčeno kot dohodek. Bančne obresti so lahko obdavčene s končnimi 15 %.","St Paul’s Shipwreck":"Brodolom sv. Pavla","St Joseph":"Sv. Jožef","Sette Giugno":"Sette Giugno","St Peter and St Paul":"Sv. Peter in Pavel","Victory Day":"Dan zmage","192 hours a year (24 days of 8 hours), plus an extra day for each public holiday falling on a weekend. 14 public holidays.":"192 ur na leto (24 dni po 8 ur) in dodaten dan za vsak praznik, ki pade na vikend. 14 praznikov.","18 weeks":"18 tednov","14 weeks full pay by employer, 4 weeks state maternity benefit":"14 tednov polne plače od delodajalca, 4 tedne državnega porodniškega nadomestila","Birth leave":"Dopust ob rojstvu","10 working days for the father or co-parent":"10 delovnih dni za očeta ali drugega starša","Full pay (employer, reimbursed by the state)":"Polna plača (delodajalec, povrne država)","4 months per parent until the child is 8":"4 mesece na starša, dokler otrok ne dopolni 8 let","First 2 months paid at the sickness-benefit rate":"Prva 2 meseca plačana po stopnji nadomestila za bolezen","By sector wage order, often 2 weeks a year on full pay":"Po panožnem plačnem odloku, pogosto 2 tedna na leto s polno plačo","Employer, minus sickness benefit":"Delodajalec, minus nadomestilo za bolezen","Termination by the employer (redundancy)":"Prenehanje s strani delodajalca (presežnost)","After probation: 1 week (1–6 months of service), 2 weeks (6 months–2 years), 4 weeks (2–4 years), 8 weeks (4–7 years), then +1 week per year up to 12 weeks (more by contract for technical or managerial jobs). Same for both sides; pay in lieu is possible.":"Po poskusni dobi: 1 teden (1–6 mesecev delovne dobe), 2 tedna (6 mesecev–2 leti), 4 tedne (2–4 leta), 8 tednov (4–7 let), nato +1 teden na leto do 12 tednov (po pogodbi več za tehnična ali vodstvena delovna mesta). Enako za obe strani; mogoče je plačilo namesto odpovednega roka.","Malta has no statutory severance pay for redundancy. An Industrial Tribunal can award compensation for unfair dismissal.":"Malta nima zakonske odpravnine ob presežnosti. Industrijsko sodišče lahko dodeli odškodnino za nezakonito odpoved.","From January 2026: 60% of your wage for 10 weeks, 55% for the next 10 and 50% for the last 6 (156 days), on a wage between the minimum wage and 175% of it. Needs 50 weeks of contributions, 20 in the last 2 years.":"Od januarja 2026: 60 % plače 10 tednov, 55 % naslednjih 10 in 50 % zadnjih 6 (156 dni), na plačo med minimalno plačo in 175 % te. Potrebnih je 50 tednov prispevkov, 20 v zadnjih 2 letih.","The Bonus field holds the statutory bonuses and income supplements (about €755 a year). Married? Joint computation usually lowers the tax.":"Polje Bonus vsebuje zakonske bonuse in dohodkovne dodatke (približno 755 € na leto). V zakonu? Skupni izračun običajno zniža davek.","Children’s Allowance is means-tested (a minimum amount is paid to all families). The married and parent tax tables already give wider tax-free bands for children.":"Children’s Allowance je odvisen od dohodka (minimalni znesek prejmejo vse družine). Tabeli za zakonce in starše že dajeta širše neobdavčene razrede za otroke.","No statutory severance; notice or pay in lieu":"Brez zakonske odpravnine; odpovedni rok ali plačilo namesto njega","18 weeks (14 full pay + 4 state benefit)":"18 tednov (14 polne plače + 4 državno nadomestilo)","10 days at full pay":"10 dni s polno plačo","4 months per parent until 8, 2 paid":"4 mesece na starša do 8. leta, 2 plačana","By sector, often 2 weeks full pay":"Po panogi, pogosto 2 tedna polne plače","Resident employee with the standard tax tables; part-time and overtime special rates, the 15% rate for some foreign workers, and tax credits for specific groups are not modelled. Average wages for Malta come from Eurostat (2025 estimated).":"Zaposleni rezident s standardnimi davčnimi tabelami; posebne stopnje za krajši delovni čas in nadure, stopnja 15 % za nekatere tuje delavce in davčne olajšave za posebne skupine niso upoštevani. Povprečne plače za Malto so iz Eurostata (ocena 2025).","Official sources: Malta Tax and Customs Administration (mtca.gov.mt), Department of Social Security (socialsecurity.gov.mt), DIER (employment conditions), Jobsplus.":"Uradni viri: Malta Tax and Customs Administration (mtca.gov.mt), Department of Social Security (socialsecurity.gov.mt), DIER (pogoji zaposlitve), Jobsplus.","Tax, single, chargeable income €30,000":"Davek, samska oseba, obdavčljivi dohodek 30.000 €","Tax, married with 2 children, €40,000":"Davek, zakonca z 2 otrokoma, 40.000 €","Tax, parent with 1 child, €20,000":"Davek, starš z 1 otrokom, 20.000 €","Maximum employee social security (per year)":"Najvišja socialna varnost zaposlenega (na leto)","Maximum two-thirds pension (per year)":"Najvišja dvotretjinska pokojnina (na leto)","Maximum unemployment benefit, first 10 weeks (per week)":"Najvišje nadomestilo za brezposelnost, prvih 10 tednov (na teden)","Social insurance 8.8%":"Socialno zavarovanje 8,8 %","National health system (GESY) 2.65%":"Nacionalni zdravstveni sistem (GESY) 2,65 %","Child deduction":"Olajšava za otroke","50% exemption for new residents":"50 % oprostitve za nove rezidente","Self-employed social insurance 16.6% + GESY 4%":"Socialno zavarovanje samozaposlenih 16,6 % + GESY 4 %","Redundancy payment (Redundancy Fund, tax-free)":"Plačilo ob presežnosti (Redundancy Fund, neobdavčeno)","or paid in lieu":"ali plačan","Redundancy pay (weeks per year)":"Plačilo ob presežnosti (tedni na leto)","Cyprus":"Ciper","After the 2026 reform: 0% up to €22,000, 20% to €32,000, 25% to €42,000, 30% to €72,000, 35% above. Social insurance, GESY and pension or life-insurance contributions (up to ⅕ of income) are deductible. Child deduction €1,000 for the first child, €1,250 for the second, €1,500 from the third, for family incomes up to €100,000–200,000. New residents earning over €55,000 can exempt 50% of pay.":"Po reformi 2026: 0 % do 22.000 €, 20 % do 32.000 €, 25 % do 42.000 €, 30 % do 72.000 €, 35 % nad tem. Socialno zavarovanje, GESY in prispevki za pokojninsko ali življenjsko zavarovanje (do ⅕ dohodka) se odbijejo. Olajšava za otroke 1.000 € za prvega otroka, 1.250 € za drugega, 1.500 € od tretjega, za družinske dohodke do 100.000–200.000 €. Novi rezidenti z zaslužkom nad 55.000 € lahko oprostijo 50 % plače.","Contributions":"Prispevki","Employee: social insurance 8.8% up to €68,904 a year (€5,742 a month) and GESY 2.65%. Employer: 8.8% + 2% social cohesion + 1.2% redundancy fund + 0.5% training fund + 2.9% GESY. A 13th salary is common.":"Zaposleni: socialno zavarovanje 8,8 % do 68.904 € na leto (5.742 € na mesec) in GESY 2,65 %. Delodajalec: 8,8 % + 2 % socialna kohezija + 1,2 % sklad za presežnost + 0,5 % sklad za usposabljanje + 2,9 % GESY. 13. plača je pogosta.","By agreement":"Po dogovoru","There is no general legal overtime premium; collective agreements usually give time-and-a-half. Max 48 hours a week on average.":"Splošnega zakonskega dodatka za nadure ni; kolektivne pogodbe običajno dajo 1,5-kratno postavko. Največ 48 ur na teden v povprečju.","Social insurance 16.6% of income (with a minimum deemed income by occupation, up to €68,904) and GESY 4%. Profit is taxed on the same scale.":"Socialno zavarovanje 16,6 % dohodka (z minimalnim domnevnim dohodkom po poklicu, do 68.904 €) in GESY 4 %. Dobiček je obdavčen po isti lestvici.","A basic pension (60% of the average of your insurance points up to the basic insurable earnings, more with dependants) plus a supplementary pension of 1.5% of your insured earnings above them. Paid 13 times a year. Age 65 with at least 15 years; from 63 with a 12% reduction.":"Osnovna pokojnina (60 % povprečja tvojih zavarovalnih točk do osnovnega zavarovanega zaslužka, več z vzdrževanimi osebami) in dodatna pokojnina 1,5 % zavarovanega zaslužka nad tem. Izplačuje se 13-krat na leto. Starost 65 z najmanj 15 leti; od 63 z 12 % znižanjem.","Provident funds":"Previdnostni skladi","Many employers run a provident fund (often 5–10% each side); contributions are deductible within the ⅕ limit and lump sums at retirement are tax-free.":"Veliko delodajalcev ima previdnostni sklad (pogosto 5–10 % vsaka stran); prispevki se odbijejo v okviru omejitve ⅕, enkratni zneski ob upokojitvi pa so neobdavčeni.","Provident funds and personal pension plans: contributions are deductible up to ⅕ of income (together with social insurance and GESY). Lump sums from provident funds at retirement are tax-free; pensions are taxed as income, with the first €22,000 tax-free. Interest pays 17% defence contribution.":"Previdnostni skladi in osebni pokojninski načrti: prispevki se odbijejo do ⅕ dohodka (skupaj s socialnim zavarovanjem in GESY). Enkratni zneski iz previdnostnih skladov ob upokojitvi so neobdavčeni; pokojnine so obdavčene kot dohodek, s prvimi 22.000 € neobdavčenimi. Obresti plačajo 17 % obrambnega prispevka.","Greek Independence Day":"Dan grške neodvisnosti","Cyprus National Day":"Ciprski državni praznik","Easter Tuesday":"Velikonočni torek","Kataklysmos (Whit Monday)":"Kataklizmos (binkoštni ponedeljek)","Cyprus Independence Day":"Dan ciprske neodvisnosti","20 working days on a 5-day week (24 on 6 days), paid by the employer or the central holiday fund. Public holidays follow the Orthodox calendar; the private sector observes most of the 15 official ones by collective agreement.":"20 delovnih dni pri 5-dnevnem tednu (24 pri 6 dneh), plača delodajalec ali osrednji sklad za dopust. Prazniki sledijo pravoslavnemu koledarju; zasebni sektor po kolektivni pogodbi upošteva večino od 15 uradnih.","22 weeks (11 compulsory around birth)":"22 tednov (11 obveznih ob rojstvu)","Maternity allowance 72% of insurable earnings":"Porodniško nadomestilo 72 % zavarovanega zaslužka","2 weeks within 16 weeks of the birth":"2 tedna v 16 tednih po rojstvu","Paternity allowance 72% of insurable earnings":"Očetovsko nadomestilo 72 % zavarovanega zaslužka","18 weeks per parent until the child is 8":"18 tednov na starša, dokler otrok ne dopolni 8 let","8 weeks paid by social insurance, the rest unpaid":"8 tednov plača socialno zavarovanje, ostalo neplačano","Force majeure and carer’s leave":"Dopust zaradi višje sile in negovalni dopust","7 days a year force majeure + 5 days carer’s leave":"7 dni na leto zaradi višje sile + 5 dni negovalnega dopusta","Sickness benefit from the 4th day, up to 156 days":"Nadomestilo za bolezen od 4. dne, do 156 dni","About 60% of insurable earnings":"Približno 60 % zavarovanega zaslužka","Redundancy payment":"Plačilo ob presežnosti","After 2 years of continuous service, paid by the Redundancy Fund: 2 weeks’ pay per year for the first 4 years, 2.5 weeks for years 5–10, 3 for 11–15, 3.5 for 16–20 and 4 for 21–30, max 75 weeks, on pay up to the insurable maximum. Tax-free.":"Po 2 letih neprekinjene delovne dobe, plača Redundancy Fund: 2 tedenski plači na leto za prva 4 leta, 2,5 tedna za leta 5–10, 3 za 11–15, 3,5 za 16–20 in 4 za 21–30, največ 75 tednov, na plačo do najvišjega zavarovanega zneska. Neobdavčeno.","From the employer after 26 weeks: 1 week (under 1 year), 2 weeks (1–2), 4 (2–3), 5 (3–4), 6 (4–5), 7 (5–6), 8 (6+). From you: usually 1–4 weeks.":"Od delodajalca po 26 tednih: 1 teden (pod 1 letom), 2 tedna (1–2), 4 (2–3), 5 (3–4), 6 (4–5), 7 (5–6), 8 (6+). Od tebe: običajno 1–4 tedne.","60% of your basic insurable earnings plus a supplementary part on earnings above them (more with dependants), for up to 156 days. Needs at least 26 weeks of contributions. Amounts here are estimates.":"60 % tvojega osnovnega zavarovanega zaslužka in dodatni del za zaslužek nad tem (več z vzdrževanimi osebami), do 156 dni. Potrebnih je najmanj 26 tednov prispevkov. Zneski tukaj so ocene.","Since 2026 the first €22,000 is tax-free. Moving to Cyprus for a job over €55,000? 50% of your pay can be exempt (tick the new-resident box in Compare countries).":"Od 2026 je prvih 22.000 € neobdavčenih. Se seliš na Ciper zaradi službe z več kot 55.000 €? 50 % plače je lahko oproščenih (označi polje za nove rezidente v zavihku Primerjava držav).","Child benefit is income-tested (family income up to €49,000 and assets limits). Spouses are taxed separately; the child deduction goes to one parent.":"Otroški dodatek je odvisen od dohodka (družinski dohodek do 49.000 € in omejitve premoženja). Zakonca sta obdavčena ločeno; olajšavo za otroke uveljavlja en starš.","Redundancy Fund after 2 years (tax-free)":"Redundancy Fund po 2 letih (neobdavčeno)","22 weeks at 72% of insurable earnings":"22 tednov z 72 % zavarovanega zaslužka","2 weeks at 72%":"2 tedna z 72 %","18 weeks per parent until 8, 8 paid":"18 tednov na starša do 8. leta, 8 plačanih","From the 4th day, about 60%":"Od 4. dne, približno 60 %","Resident employee taxed individually. Pension and unemployment amounts are estimates based on approximate basic insurable earnings; the official figures use your insurance points. The holiday fund contribution (8% for some sectors) is not included in employer cost. Average wages for Cyprus come from Eurostat (2025 estimated).":"Zaposleni rezident, obdavčen individualno. Zneski pokojnine in nadomestila za brezposelnost so ocene na podlagi približnega osnovnega zavarovanega zaslužka; uradni zneski uporabljajo tvoje zavarovalne točke. Prispevek v sklad za dopust (8 % za nekatere panoge) ni vključen v strošek delodajalca. Povprečne plače za Ciper so iz Eurostata (ocena 2025).","Official sources: Tax Department (mof.gov.cy/tax), Social Insurance Services (mlsi.gov.cy/sid), Health Insurance Organisation (gesy.org.cy), Department of Labour Relations.":"Uradni viri: Tax Department (mof.gov.cy/tax), Social Insurance Services (mlsi.gov.cy/sid), Health Insurance Organisation (gesy.org.cy), Department of Labour Relations.","Income tax on taxable €50,000":"Dohodnina na obdavčljivih 50.000 €","Tax-free threshold (no tax at €22,000 taxable)":"Neobdavčeni prag (brez davka pri obdavčljivih 22.000 €)","Employee social insurance at the 2026 ceiling (per year)":"Socialno zavarovanje zaposlenega pri meji 2026 (na leto)","GESY employee contribution on €30,000":"Prispevek GESY zaposlenega na 30.000 €","Redundancy weeks after 10 years":"Tedni plačila ob presežnosti po 10 letih","New amount (optional)":"Nov znesek (neobvezno)","Next to each expense you can type a new amount, lower or higher than today. It replaces the suggested ceiling for that category, and the possible saving becomes today’s spending minus your new amount.":"Ob vsakem strošku lahko vpišeš nov znesek, nižji ali višji od današnjega. Ta nadomesti priporočeno zgornjo mejo za to kategorijo, možen prihranek pa postane današnja poraba minus tvoj novi znesek.","Suggested ceiling or your new amount":"Priporočena zgornja meja ali tvoj novi znesek","your new amount":"tvoj novi znesek","suggested {v}":"priporočeno {v}","extra cost":"dodaten strošek","With your new amounts":"S tvojimi novimi zneski","earliest stop age with the new amounts you typed":"najzgodnejša starost za konec dela z vpisanimi novimi zneski","With your new amounts you save {m} a month: <b>{x}</b> after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"S tvojimi novimi zneski prihraniš {m} na mesec: <b>{x}</b> po {n} letih, z delom pa lahko nehaš pri <b>{s2}</b> namesto pri {s1}.","With your new amounts you spend {m} more a month: <b>{x}</b> less after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"S tvojimi novimi zneski porabiš {m} več na mesec: <b>{x}</b> manj po {n} letih, z delom pa lahko nehaš pri <b>{s2}</b> namesto pri {s1}.","Only the national scale and the Madrid and Catalonia regional scales are included; tax in other regions differs slightly.":"Vključene so samo nacionalna lestvica ter regionalni lestvici Madrida in Katalonije; davek v drugih regijah se nekoliko razlikuje.","Rates for England, Wales and Northern Ireland; Scotland’s income tax bands, student loans and benefits in kind are not included.":"Stopnje za Anglijo, Wales in Severno Irsko; škotski davčni razredi, študentska posojila in bonitete niso vključeni.","The 30% ruling for expats and the health-insurance premium are not included.":"Pravilo 30 % za tujce in premija zdravstvenega zavarovanja nista vključena.","The lower rates of the Azores and Madeira and the health, education and housing deductions are not included.":"Nižje stopnje na Azorih in Madeiri ter odbitki za zdravstvo, izobraževanje in stanovanje niso vključeni.","The wider tax band for married couples with two incomes is not modelled, and take-home pay is tested only through its parts (tax, USC, PRSI).":"Širši davčni razred za zakonca z dvema dohodkoma ni upoštevan, neto plača pa je preverjena samo prek svojih delov (davek, USC, PRSI).","Only the minimum pension is checked; the pension built up from your pay follows the rules but is not tested.":"Preverjena je samo najnižja pokojnina; pokojnina iz tvoje plače sledi pravilom, vendar ni preizkušena.","Only the accrual rate is checked, not a full pension amount.":"Preverjen je samo odmerni odstotek, ne celoten znesek pokojnine.","The amount is an estimate: the official pension depends on your insurance points, and the basic insurable earnings used here are approximate.":"Znesek je ocena: uradna pokojnina je odvisna od tvojih zavarovalnih točk, tu uporabljeni osnovni zavarovani zaslužek pa je približen.","The unemployment benefit is an estimate based on approximate basic insurable earnings.":"Nadomestilo za brezposelnost je ocena na podlagi približnega osnovnega zavarovanega zaslužka.","Premium rates follow the law; take-home extra pay uses the normal salary tax and contributions.":"Stopnje dodatkov sledijo zakonu; neto dodatno plačilo uporablja običajni davek in prispevke na plačo.","Austria’s tax-free overtime allowance is not applied, so take-home overtime pay is slightly too low.":"Avstrijska neobdavčena kvota za nadure ni uporabljena, zato je neto plačilo nadur nekoliko prenizko.","Malta’s 15% flat tax on part of overtime pay is not applied, so take-home overtime pay is slightly too low.":"Malteški pavšalni davek 15 % na del plačila nadur ni uporabljen, zato je neto plačilo nadur nekoliko prenizko.","Self-employed tax and contributions are simplified; special freelancer schemes can give different results.":"Davek in prispevki samozaposlenih so poenostavljeni; posebne sheme za svobodne poklice lahko dajo drugačne rezultate.","Average wages for Malta are Eurostat 2025 figures projected to 2026; official 2026 figures are not yet published.":"Povprečne plače za Malto so podatki Eurostata za 2025, projicirani na 2026; uradni podatki za 2026 še niso objavljeni.","Average wages for Cyprus are Eurostat 2025 figures projected to 2026; official 2026 figures are not yet published.":"Povprečne plače za Ciper so podatki Eurostata za 2025, projicirani na 2026; uradni podatki za 2026 še niso objavljeni.","The state pension used here is an estimate (see the Pension tab).":"Tu uporabljena državna pokojnina je ocena (glej zavihek Pokojnina).","Approximate":"Približno","Not verified":"Ni preverjeno","For {c}, these figures follow the published 2026 rules but have not been checked against an official calculator yet.":"Za državo {c} ti zneski sledijo objavljenim pravilom za 2026, vendar še niso bili preverjeni z uradnim kalkulatorjem.","For {c}, this tab is partly checked against official sources ({n} checks), but some parts are approximate:":"Za državo {c} je ta zavihek delno preverjen z uradnimi viri ({n} preverb), nekateri deli pa so približni:","For {c}, some parts of this tab are approximate:":"Za državo {c} so nekateri deli tega zavihka približni:","Labour market contribution (AM-bidrag) 8%":"Prispevek za trg dela (AM-bidrag) 8 %","ATP (supplementary pension), employee share":"ATP (dodatna pokojnina), delež zaposlenega","State base tax (bundskat) 12.01%":"Državni osnovni davek (bundskat) 12,01 %","Church tax (kirkeskat)":"Cerkveni davek (kirkeskat)","Middle, top and top-top tax (7.5% / 7.5% / 5%)":"Srednji, zgornji in najvišji davek (7,5 % / 7,5 % / 5 %)","Employment allowance + job allowance (deducted)":"Olajšava za zaposlitev + olajšava za delo (odšteto)","Personal allowance":"Osebna olajšava","Child and youth benefit (paid separately, about)":"Dodatek za otroke in mladino (izplačan ločeno, približno)","white-collar minimum (Funktionærloven); others by collective agreement":"minimum za uslužbence (Funktionærloven); za druge po kolektivni pogodbi","1 month":"1 mesec","Denmark":"Danska","Municipal tax rate (%)":"Občinska davčna stopnja (%)","Member of the Church of Denmark (church tax)":"Član Danske cerkve (cerkveni davek)","8% labour market contribution first, then municipal tax (average 25.05%, 23.39–26.30%) and state base tax 12.01% above the personal allowance of DKK 54,100. Middle tax 7.5% above DKK 641,200, top tax 7.5% above DKK 777,900 and top-top tax 5% above DKK 2,592,700 (personal income after AM). Tax ceiling 44.57% for municipal + base + middle tax.":"Najprej 8 % prispevka za trg dela, nato občinski davek (povprečje 25,05 %, 23,39–26,30 %) in državni osnovni davek 12,01 % nad osebno olajšavo 54.100 DKK. Srednji davek 7,5 % nad 641.200 DKK, zgornji davek 7,5 % nad 777.900 DKK in najvišji davek 5 % nad 2.592.700 DKK (osebni dohodek po AM). Davčna meja 44,57 % za občinski + osnovni + srednji davek.","Employment allowance 12.75% of pay (max DKK 63,300) and job allowance 4.5% above DKK 235,200 (max DKK 3,100) reduce the municipal tax base. Church tax about 0.87% for members. ATP: DKK 99 a month from you, DKK 198 from the employer.":"Olajšava za zaposlitev 12,75 % plače (največ 63.300 DKK) in olajšava za delo 4,5 % nad 235.200 DKK (največ 3.100 DKK) znižata osnovo za občinski davek. Cerkveni davek za člane približno 0,87 %. ATP: 99 DKK na mesec od tebe, 198 DKK od delodajalca.","Danish law sets no overtime premium; collective agreements usually pay +50% for the first hours and +100% after, or time off. Average week max 48 hours over 4 months.":"Danski zakon ne določa dodatka za nadure; kolektivne pogodbe običajno plačajo +50 % za prve ure in +100 % potem ali prosti čas. Povprečni teden največ 48 ur v 4 mesecih.","Overtime pays AM-bidrag and income tax like normal pay.":"Za nadure se plačata AM-bidrag in dohodnina kot za običajno plačo.","Profit pays the 8% labour market contribution and the same income taxes as wages (personal allowance, municipal and state taxes). Voluntary ATP and unemployment insurance are extra. VAT registration above DKK 50,000 turnover.":"Od dobička se plača 8 % prispevka za trg dela in enaki davki na dohodek kot od plač (osebna olajšava, občinski in državni davki). Prostovoljni ATP in zavarovanje za brezposelnost sta dodatna. Registracija za DDV nad 50.000 DKK prometa.","From 67 (born up to 1962), 68 (1963–66), 69 (1967–70) and 70 (from 1971). Basic amount DKK 7,544 a month, full after 40 years of residence between 15 and pension age; pension supplement up to DKK 8,729 (single) or DKK 4,467 (couple), reduced by other income. Deferring raises the pension.":"Od 67 (rojeni do 1962), 68 (1963–66), 69 (1967–70) in 70 (od 1971). Osnovni znesek 7.544 DKK na mesec, poln po 40 letih bivanja med 15. letom in upokojitveno starostjo; pokojninski dodatek do 8.729 DKK (samska oseba) ali 4.467 DKK (par), znižan z drugimi dohodki. Odlog zviša pokojnino.","ATP and labour-market pensions":"ATP in pokojnine trga dela","ATP is a small lifelong supplement for everyone who worked. Most income in retirement comes from labour-market pensions agreed in collective agreements, typically 12% of pay (8% employer, 4% employee), deducted before AM-bidrag.":"ATP je majhen doživljenjski dodatek za vse, ki so delali. Večina dohodka v pokoju izhaja iz pokojnin trga dela, dogovorjenih v kolektivnih pogodbah, običajno 12 % plače (8 % delodajalec, 4 % zaposleni), odbitih pred AM-bidrag.","Contributions to an employer pension scheme are deducted before AM-bidrag and income tax. Payouts are taxed as income; returns pay 15.3% PAL tax.":"Prispevki v pokojninsko shemo delodajalca se odbijejo pred AM-bidrag in dohodnino. Izplačila so obdavčena kot dohodek; donosi plačajo 15,3 % davka PAL.","Labour-market pension: contributions (often 4% from you and 8% from the employer) are deducted before AM-bidrag and tax. Returns pay 15.3% PAL tax, payouts are taxed as income. Deposit interest is capital income taxed at about 37–42%.":"Pokojnina trga dela: prispevki (pogosto 4 % od tebe in 8 % od delodajalca) se odbijejo pred AM-bidrag in davkom. Donosi plačajo 15,3 % davka PAL, izplačila so obdavčena kot dohodek. Obresti na depozite so kapitalski dohodek, obdavčen s približno 37–42 %.","Maundy Thursday":"Veliki četrtek","Easter Sunday":"Velikonočna nedelja","Whit Sunday":"Binkoštna nedelja","Constitution Day (often a day off)":"Dan ustave (pogosto prost dan)","5 weeks (25 working days) a year under the Holiday Act, earned at 2.08 days a month, with 12.5% holiday pay or full pay plus a 1% supplement. Many agreements add 5 extra holiday days (feriefridage). Great Prayer Day was abolished in 2024.":"5 tednov (25 delovnih dni) na leto po zakonu o dopustu, pridobljenih po 2,08 dneva na mesec, z 12,5 % regresa ali polno plačo in 1 % dodatkom. Številne pogodbe dodajo 5 dodatnih prostih dni (feriefridage). Veliki molitveni dan je bil odpravljen leta 2024.","4 weeks before the birth and 24 weeks after (11 of them earmarked)":"4 tedne pred rojstvom in 24 tednov po njem (od tega 11 namenskih)","Barselsdagpenge up to DKK 5,085 a week; many employers pay full salary":"Barselsdagpenge do 5.085 DKK na teden; veliko delodajalcev plača polno plačo","Leave for the other parent":"Dopust za drugega starša","24 weeks, of which 2 right after the birth and 11 earmarked":"24 tednov, od tega 2 takoj po rojstvu in 11 namenskih","Barselsdagpenge up to DKK 5,085 a week":"Barselsdagpenge do 5.085 DKK na teden","Child’s sick day":"Dan bolezni otroka","1st and often 2nd sick day of a child under 18 (by agreement)":"1. in pogosto 2. dan bolezni otroka do 18. leta (po dogovoru)","Usually paid":"Običajno plačan","Up to 5 days a year for a seriously ill relative":"Do 5 dni na leto za hudo bolnega sorodnika","White-collar staff keep full pay; otherwise the employer pays 30 days, then the municipality":"Uslužbenci obdržijo polno plačo; sicer delodajalec plača 30 dni, nato občina","Sygedagpenge up to DKK 5,085 a week":"Sygedagpenge do 5.085 DKK na teden","Notice (white-collar)":"Odpovedni rok (uslužbenci)","From the employer: 1 month in the first 6 months, then 3 months, rising by 1 month every 3 years to 6 months after almost 9 years. From you: 1 month. Other workers follow their collective agreement.":"Od delodajalca: 1 mesec v prvih 6 mesecih, nato 3 meseci, ki se vsaka 3 leta podaljšajo za 1 mesec do 6 mesecev po skoraj 9 letih. Od tebe: 1 mesec. Drugi delavci sledijo svoji kolektivni pogodbi.","Severance and unemployment benefit":"Odpravnina in nadomestilo za brezposelnost","White-collar staff get 1, 2 or 3 months’ pay after 12, 15 or 18 years. Unemployment benefit (dagpenge) for a-kasse members: 90% of previous pay, max DKK 22,041 a month, for up to 2 years.":"Uslužbenci dobijo 1, 2 ali 3 mesečne plače po 12, 15 ali 18 letih. Nadomestilo za brezposelnost (dagpenge) za člane a-kasse: 90 % prejšnje plače, največ 22.041 DKK na mesec, do 2 leti.","Above DKK 641,200 (after AM) middle tax adds 7.5%; pension contributions through your employer reduce it.":"Nad 641.200 DKK (po AM) srednji davek doda 7,5 %; pokojninski prispevki prek delodajalca ga znižajo.","Join an a-kasse: without membership there is no earnings-related unemployment benefit.":"Včlani se v a-kasse: brez članstva ni nadomestila za brezposelnost, vezanega na zaslužek.","Child and youth benefit (børne- og ungeydelse) 2026: DKK 5,370 a quarter (0–2 years), 4,248 (3–6), 3,342 (7–14) and DKK 1,114 a month (15–17); reduced for high earners. The table uses the 7–14 rate.":"Dodatek za otroke in mladino (børne- og ungeydelse) 2026: 5.370 DKK na četrtletje (0–2 leti), 4.248 (3–6), 3.342 (7–14) in 1.114 DKK na mesec (15–17); znižan za visoke zaslužke. Tabela uporablja stopnjo za 7–14 let.","White-collar severance after 12 years":"Odpravnina za uslužbence po 12 letih","4 + 24 weeks, up to DKK 5,085/week":"4 + 24 tednov, do 5.085 DKK/teden","24 weeks (2 at birth, 11 earmarked)":"24 tednov (2 ob rojstvu, 11 namenskih)","Shared within the 48 weeks":"Deljeno v okviru 48 tednov","Full pay for white-collar staff":"Polna plača za uslužbence","Employee taxed individually; annual tax as in the year-end statement (monthly withholding follows the tax card). Labour-market pension contributions, transport deduction, union fees and the high-earner reduction of child benefit are not modelled. Employer cost is ATP plus about 0.6% for other levies.":"Zaposleni, obdavčen individualno; letni davek kot v letnem obračunu (mesečni odtegljaj sledi davčni kartici). Prispevki v pokojnine trga dela, odbitek za prevoz, sindikalna članarina in znižanje otroškega dodatka za visoke zaslužke niso upoštevani. Strošek delodajalca je ATP in približno 0,6 % za druge dajatve.","Official sources: Skattestyrelsen (skat.dk), Skatteministeriet (average municipal and church tax 2026), Beskæftigelsesministeriet (rates 2026), borger.dk (folkepension, child benefit), Funktionærloven.":"Uradni viri: Skattestyrelsen (skat.dk), Skatteministeriet (povprečni občinski in cerkveni davek 2026), Beskæftigelsesministeriet (stopnje 2026), borger.dk (folkepension, otroški dodatek), Funktionærloven.","Maximum employment allowance (reached at DKK 496,471)":"Najvišja olajšava za zaposlitev (dosežena pri 496.471 DKK)","Maximum job allowance":"Najvišja olajšava za delo","Base tax on personal income of DKK 300,000":"Osnovni davek na osebni dohodek 300.000 DKK","Middle tax on personal income of DKK 700,000":"Srednji davek na osebni dohodek 700.000 DKK","Full folkepension, single (per month)":"Polna folkepension, samska oseba (na mesec)","White-collar notice after 10 years (months)":"Odpovedni rok za uslužbence po 10 letih (meseci)","Child and youth benefit, age 0–2 (per quarter)":"Dodatek za otroke in mladino, starost 0–2 (na četrtletje)","General pension contribution 7% (credited back against tax)":"Splošni pokojninski prispevek 7 % (vrnjen kot davčna olajšava)","State income tax 20% above SEK 643,000":"Državna dohodnina 20 % nad 643.000 SEK","Tax reductions (pension contribution, work, earned income)":"Davčna znižanja (pokojninski prispevek, delo, zaslužen dohodek)","Basic allowance (grundavdrag)":"Osnovna olajšava (grundavdrag)","Employment tax credit (jobbskatteavdrag)":"Davčna olajšava za zaposlitev (jobbskatteavdrag)","Child allowance (paid separately)":"Otroški dodatek (izplačan ločeno)","Self-employed contributions (egenavgifter 28.97%) + pension contribution 7%":"Prispevki samozaposlenih (egenavgifter 28,97 %) + pokojninski prispevek 7 %","minimum under the Employment Protection Act (LAS); collective agreements may give more":"minimum po zakonu o varstvu zaposlitve (LAS); kolektivne pogodbe lahko dajo več","Sweden":"Švedska","Municipal + regional tax rate (%)":"Občinska + regionalna davčna stopnja (%)","Member of the Church of Sweden (church fee)":"Član Švedske cerkve (cerkvena pristojbina)","Municipal and regional tax (average 32.38%) on pay after the basic allowance (SEK 17,400–45,600); state tax 20% on taxable income above SEK 643,000 (pay above about SEK 660,400). The employment tax credit (jobbskatteavdrag) and the earned income reduction (up to SEK 1,500) lower the tax; burial fee 0.292% and public service fee 1% (max SEK 1,184) are added.":"Občinski in regionalni davek (povprečje 32,38 %) na plačo po osnovni olajšavi (17.400–45.600 SEK); državni davek 20 % na obdavčljivi dohodek nad 643.000 SEK (plača nad približno 660.400 SEK). Davčna olajšava za zaposlitev (jobbskatteavdrag) in znižanje za zaslužen dohodek (do 1.500 SEK) znižata davek; dodata se pogrebna pristojbina 0,292 % in pristojbina za javne medije 1 % (največ 1.184 SEK).","You pay a 7% general pension contribution (max SEK 47,100), which is fully credited back against your tax. The employer pays 31.42% social fees on top of your salary.":"Plačaš 7 % splošnega pokojninskega prispevka (največ 47.100 SEK), ki se ti v celoti vrne kot davčna olajšava. Delodajalec poleg tvoje plače plača 31,42 % socialnih dajatev.","The Working Hours Act limits overtime to 200 hours a year (48 per 4 weeks or 50 per month); the premium comes from collective agreements, usually +50% on weekdays and +100% at night and weekends.":"Zakon o delovnem času omejuje nadure na 200 ur na leto (48 na 4 tedne ali 50 na mesec); dodatek izhaja iz kolektivnih pogodb, običajno +50 % ob delavnikih in +100 % ponoči in ob vikendih.","Overtime is taxed like normal pay.":"Nadure so obdavčene kot običajna plača.","200 h / year":"200 h / leto","Sole trader (enskild firma)":"Samostojni podjetnik (enskild firma)","Self-employed contributions of 28.97% are paid on the profit (with a provisional 25% deduction), then the same income taxes and tax credits as for employees. F-tax registration and preliminary tax payments are needed.":"Prispevki samozaposlenih 28,97 % se plačajo od dobička (z začasnim odbitkom 25 %), nato enaki davki na dohodek in davčne olajšave kot za zaposlene. Potrebna sta registracija F-skatt in akontacije davka.","18.5% of pensionable pay (16% income pension, 2.5% premium pension in funds), on pay up to SEK 625,500 a year. Claim from 63; target age 67 in 2026. A guarantee pension (about SEK 9,530 a month for a single person with no income pension) tops up low pensions from 67 after 40 years of residence.":"18,5 % pokojninske plače (16 % dohodkovna pokojnina, 2,5 % premijska pokojnina v skladih), na plačo do 625.500 SEK na leto. Uveljavitev od 63; ciljna starost 67 v 2026. Zajamčena pokojnina (približno 9.530 SEK na mesec za samsko osebo brez dohodkovne pokojnine) od 67. leta po 40 letih bivanja dopolni nizke pokojnine.","Occupational pension":"Poklicna pokojnina","Nine in ten employees have an occupational pension through a collective agreement, typically 4.5% of pay up to 7.5 income base amounts and 30% above.":"Devet od desetih zaposlenih ima poklicno pokojnino prek kolektivne pogodbe, običajno 4,5 % plače do 7,5 osnovnega dohodkovnega zneska in 30 % nad tem.","Salary exchange (löneväxling) into your occupational pension is paid before tax; employers often add about 6% because their social fees are lower. Private pension savings are not tax-deductible for employees.":"Zamenjava plače (löneväxling) za poklicno pokojnino se plača pred davkom; delodajalci pogosto dodajo približno 6 %, ker so njihove socialne dajatve nižje. Zasebno pokojninsko varčevanje za zaposlene ni davčno odbitno.","Occupational pension (ITP, SAF-LO and others) is paid by the employer; salary exchange lets you add more before tax. Payouts are taxed as income. Savings in an investment savings account (ISK) pay a small flat yearly tax instead of 30% on returns.":"Poklicno pokojnino (ITP, SAF-LO in druge) plača delodajalec; z zamenjavo plače lahko pred davkom dodaš več. Izplačila so obdavčena kot dohodek. Prihranki na investicijskem varčevalnem računu (ISK) namesto 30 % od donosov plačajo majhen pavšalni letni davek.","May Day":"Praznik dela","Midsummer Day":"Kres (dan sredi poletja)","All Saints’ Day":"Vsi sveti","Boxing Day":"Štefanovo","25 working days a year under the Annual Leave Act, with 12% holiday pay (or salary plus a holiday supplement), 4 weeks of it in June–August if you wish. Midsummer Eve, Christmas Eve and New Year’s Eve are treated as public holidays by most employers.":"25 delovnih dni na leto po zakonu o letnem dopustu, z 12 % regresa (ali plačo in dodatkom za dopust), od tega po želji 4 tedne junija–avgusta. Večer pred kresom, božični večer in silvestrovo večina delodajalcev obravnava kot praznike.","Parental benefit":"Starševsko nadomestilo","480 days per child for both parents (90 reserved for each); can be used until the child is 12":"480 dni na otroka za oba starša (90 rezerviranih za vsakega); izrabiti jih je mogoče do otrokovega 12. leta","390 days at about 80% of pay (capped at 10 price base amounts), 90 days at SEK 180":"390 dni s približno 80 % plače (omejeno na 10 osnovnih cenovnih zneskov), 90 dni po 180 SEK","Days at birth for the other parent":"Dnevi ob rojstvu za drugega starša","10 days in connection with the birth":"10 dni v povezavi z rojstvom","About 80% from Försäkringskassan":"Približno 80 % od Försäkringskassan","Care of a sick child (VAB)":"Nega bolnega otroka (VAB)","Up to 120 days a year per child under 12":"Do 120 dni na leto na otroka do 12. leta","About 80% of pay":"Približno 80 % plače","Employer pays days 2–14 (one deduction day), then Försäkringskassan":"Delodajalec plača dni 2–14 (en dan odbitka), nato Försäkringskassan","80% of pay":"80 % plače","Dismissal (lack of work)":"Odpoved (pomanjkanje dela)","Notice (LAS)":"Odpovedni rok (LAS)","From the employer: 1 month (under 2 years of service), 2 months (2–4), 3 (4–6), 4 (6–8), 5 (8–10), 6 months (10+). From you: 1 month. There is no statutory severance pay; some agreements give transition support.":"Od delodajalca: 1 mesec (pod 2 leti delovne dobe), 2 meseca (2–4), 3 (4–6), 4 (6–8), 5 (8–10), 6 mesecev (10+). Od tebe: 1 mesec. Zakonske odpravnine ni; nekatere pogodbe dajo podporo pri prehodu.","For a-kassa members: 80% of previous pay for the first 100 days (max SEK 1,200 a day), then 70% (max SEK 1,000), up to 300 days.":"Za člane a-kassa: 80 % prejšnje plače prvih 100 dni (največ 1.200 SEK na dan), nato 70 % (največ 1.000 SEK), do 300 dni.","Above about SEK 660,400 a year, state tax adds 20% on each extra krona.":"Nad približno 660.400 SEK na leto državni davek doda 20 % na vsako dodatno krono.","Join an a-kassa early: you need 12 months of membership for the earnings-related rate.":"Včlani se v a-kassa zgodaj: za stopnjo, vezano na zaslužek, potrebuješ 12 mesecev članstva.","Child allowance SEK 1,250 a month per child until 16, with a large-family supplement from the 2nd child (SEK 150 for 2 children, 730 for 3, 1,740 for 4).":"Otroški dodatek 1.250 SEK na mesec na otroka do 16. leta, z dodatkom za velike družine od 2. otroka (150 SEK za 2 otroka, 730 za 3, 1.740 za 4).","No statutory severance":"Brez zakonske odpravnine","480 days per child shared, ~80% for 390":"480 dni na otroka deljeno, ~80 % za 390","10 days at birth + 90 reserved days":"10 dni ob rojstvu + 90 rezerviranih dni","Included in the 480 days, until age 12":"Vključeno v 480 dni, do 12. leta","80% from day 2 (employer days 2–14)":"80 % od 2. dne (delodajalec dni 2–14)","Employee under 66 taxed with the 2026 tax table rules (column 1); the final tax decision can differ slightly. Deductions for travel, union fees and interest, the higher allowances from 66 and housing supplements are not modelled. Typical rent is the SCB average for a 2-room flat.":"Zaposleni, mlajši od 66 let, obdavčen po pravilih davčnih tabel za 2026 (stolpec 1); končna davčna odločba se lahko nekoliko razlikuje. Odbitki za potovanja, sindikalno članarino in obresti, višje olajšave od 66. leta in stanovanjski dodatki niso upoštevani. Običajna najemnina je povprečje SCB za dvosobno stanovanje.","Official sources: Skatteverket (Teknisk beskrivning SKV 433 2026, belopp och procent 2026), Pensionsmyndigheten, Försäkringskassan, Statistics Sweden (SCB rents 2025), the Employment Protection Act (LAS).":"Uradni viri: Skatteverket (Teknisk beskrivning SKV 433 2026, belopp och procent 2026), Pensionsmyndigheten, Försäkringskassan, Statistics Sweden (najemnine SCB 2025), zakon o varstvu zaposlitve (LAS).","Employment tax credit at SEK 90,000 (municipal rate 32.84%)":"Davčna olajšava za zaposlitev pri 90.000 SEK (občinska stopnja 32,84 %)","Employment tax credit at SEK 240,000 (municipal rate 32.84%)":"Davčna olajšava za zaposlitev pri 240.000 SEK (občinska stopnja 32,84 %)","Total tax on SEK 55,000 a year (34% table)":"Skupni davek na 55.000 SEK na leto (tabela 34 %)","Basic allowance at the state-tax breakpoint (SEK 660,400)":"Osnovna olajšava na pragu državnega davka (660.400 SEK)","Maximum general pension contribution":"Najvišji splošni pokojninski prispevek","Employer notice after 10 years (months)":"Odpovedni rok delodajalca po 10 letih (meseci)","Child allowance, 2 children (per month)":"Otroški dodatek, 2 otroka (na mesec)","Social security contribution (trygdeavgift) 7.6%":"Prispevek za socialno varnost (trygdeavgift) 7,6 %","Tax on ordinary income 22%":"Davek na običajni dohodek 22 %","Bracket tax (trinnskatt)":"Razredni davek (trinnskatt)","Standard deduction (minstefradrag)":"Standardni odbitek (minstefradrag)","Employer’s mandatory occupational pension (at least 2%)":"Obvezna poklicna pokojnina delodajalca (najmanj 2 %)","Child benefit (paid separately)":"Otroški dodatek (izplačan ločeno)","Social security contribution for the self-employed 10.8%":"Prispevek za socialno varnost za samozaposlene 10,8 %","minimum under the Working Environment Act":"minimum po zakonu o delovnem okolju","age":"starost","Norway":"Norveška","Union fees per year (deductible up to NOK 8,700)":"Sindikalna članarina na leto (odbitno do 8.700 NOK)","22% on ordinary income after the standard deduction (46% of pay, max NOK 95,700) and the personal allowance of NOK 114,540. Bracket tax on gross pay: 1.7% above NOK 226,100, 4.0% above 318,300, 13.7% above 725,050, 16.8% above 980,100 and 17.8% above 1,467,200.":"22 % na običajni dohodek po standardnem odbitku (46 % plače, največ 95.700 NOK) in osebni olajšavi 114.540 NOK. Razredni davek na bruto plačo: 1,7 % nad 226.100 NOK, 4,0 % nad 318.300, 13,7 % nad 725.050, 16,8 % nad 980.100 in 17,8 % nad 1.467.200.","Employee contribution 7.6% of pay (none below NOK 99,650, and never more than 25% of the income above it). The employer pays 14.1% (zone 1) and at least 2% into an occupational pension (OTP) on pay between 1 and 12 G.":"Prispevek zaposlenega 7,6 % plače (nič pod 99.650 NOK in nikoli več kot 25 % dohodka nad tem). Delodajalec plača 14,1 % (cona 1) in najmanj 2 % v poklicno pokojnino (OTP) na plačo med 1 in 12 G.","Overtime is paid at least +40% under the Working Environment Act. Max 10 hours a week, 25 hours in 4 weeks and 200 hours a year (up to 300 by agreement).":"Nadure se po zakonu o delovnem okolju plačajo najmanj +40 %. Največ 10 ur na teden, 25 ur v 4 tednih in 200 ur na leto (po dogovoru do 300).","Overtime is taxed like normal pay, often at about 44–50% at the margin.":"Nadure so obdavčene kot običajna plača, mejno pogosto približno 44–50 %.","Sole proprietor (ENK)":"Samostojni podjetnik (ENK)","Profit pays 10.8% social security, bracket tax and 22% on ordinary income after the personal allowance (no standard deduction). Sickness benefit only from day 17 unless you buy extra insurance; no mandatory pension, so save on your own (EPS).":"Od dobička se plačajo 10,8 % socialne varnosti, razredni davek in 22 % na običajni dohodek po osebni olajšavi (brez standardnega odbitka). Nadomestilo za bolezen šele od 17. dne, razen če kupiš dodatno zavarovanje; obvezne pokojnine ni, zato varčuj zasebno (EPS).","National retirement pension":"Nacionalna starostna pokojnina","18.1% of each year’s income up to 7.1 G (G = NOK 136,549 from May 2026) is added to your pension account. Claim flexibly from 62 to 75 (from 62 only if the pension at 67 reaches the guarantee level); a later start gives more per year. Guarantee pension up to NOK 253,787 a year (single, 40 years of residence) from 67.":"18,1 % dohodka vsakega leta do 7,1 G (G = 136.549 NOK od maja 2026) se doda na tvoj pokojninski račun. Uveljavitev prožno od 62 do 75 (od 62 le, če pokojnina pri 67 doseže zajamčeno raven); poznejši začetek prinese več na leto. Zajamčena pokojnina do 253.787 NOK na leto (samska oseba, 40 let bivanja) od 67.","Occupational pension and AFP":"Poklicna pokojnina in AFP","Employers must pay at least 2% of pay between 1 and 12 G into OTP; many pay 5–7%. In firms with a collective agreement, the AFP adds a lifelong supplement.":"Delodajalci morajo v OTP vplačati najmanj 2 % plače med 1 in 12 G; mnogi plačajo 5–7 %. V podjetjih s kolektivno pogodbo AFP doda doživljenjski dodatek.","Individual pension savings (IPS): up to NOK 15,000 a year is deducted from ordinary income (22% saving). Employer OTP contributions are tax-free for you.":"Individualno pokojninsko varčevanje (IPS): do 15.000 NOK na leto se odbije od običajnega dohodka (22 % prihranka). Prispevki delodajalca v OTP so zate neobdavčeni.","OTP from the employer (at least 2%, often 5–7%) and IPS (up to NOK 15,000 a year, deductible at 22%). Payouts are taxed as pension income. Deposit interest is taxed at 22%.":"OTP od delodajalca (najmanj 2 %, pogosto 5–7 %) in IPS (do 15.000 NOK na leto, odbitno po 22 %). Izplačila so obdavčena kot pokojninski dohodek. Obresti na depozite so obdavčene z 22 %.","25 working days a year under the Holiday Act (counting Saturdays, so 4 weeks and 1 day); most collective agreements give 5 weeks. Holiday pay is 10.2% of last year’s pay (12% with 5 weeks), paid in June instead of salary; 2.3% extra from age 60.":"25 delovnih dni na leto po zakonu o dopustu (sobote se štejejo, torej 4 tedni in 1 dan); večina kolektivnih pogodb da 5 tednov. Regres je 10,2 % lanske plače (12 % pri 5 tednih), izplačan junija namesto plače; od 60. leta 2,3 % dodatno.","49 weeks at 100% or 61 weeks at 80%; 3 weeks before the birth and 15 weeks for each parent are reserved":"49 tednov s 100 % ali 61 tednov z 80 %; 3 tedni pred rojstvom in 15 tednov za vsakega starša so rezervirani","100% (or 80%) of pay up to 6 G (NOK 819,294 a year)":"100 % (ali 80 %) plače do 6 G (819.294 NOK na leto)","Leave for the other parent at birth":"Dopust za drugega starša ob rojstvu","2 weeks in connection with the birth":"2 tedna v povezavi z rojstvom","Paid by many employers or by agreement":"Plačajo ga številni delodajalci ali po dogovoru","Care of a sick child":"Nega bolnega otroka","10 days a year per parent (15 with 3+ children), child under 12":"10 dni na leto na starša (15 s 3+ otroki), otrok do 12. leta","100% (employer, then NAV)":"100 % (delodajalec, nato NAV)","Employer pays the first 16 days, then NAV, up to 1 year":"Delodajalec plača prvih 16 dni, nato NAV, do 1 leta","100% of pay up to 6 G":"100 % plače do 6 G","Dismissal (redundancy)":"Odpoved (presežnost)","1 month, 2 months after 5 years and 3 months after 10 years of service; with 10+ years the employer must give 4 months from age 50, 5 from 55 and 6 from 60. Dismissal needs objective grounds. There is no statutory severance pay.":"1 mesec, 2 meseca po 5 letih in 3 meseci po 10 letih delovne dobe; z 10+ leti mora delodajalec dati 4 mesece od 50. leta, 5 od 55. in 6 od 60. Odpoved zahteva objektivne razloge. Zakonske odpravnine ni.","Unemployment benefit (dagpenger)":"Nadomestilo za brezposelnost (dagpenger)","62.4% of previous income up to 6 G, for 104 weeks if you earned at least 2 G (52 weeks otherwise). Requires income of at least 1.5 G in the last 12 months.":"62,4 % prejšnjega dohodka do 6 G, 104 tedne, če je zaslužek dosegel vsaj 2 G (sicer 52 tednov). Potreben je dohodek najmanj 1,5 G v zadnjih 12 mesecih.","Above NOK 725,050 bracket tax jumps to 13.7%, so each extra krone keeps only about half.":"Nad 725.050 NOK razredni davek skoči na 13,7 %, zato od vsake dodatne krone ostane le približno polovica.","IPS: saving NOK 15,000 a year in a pension account cuts your tax by NOK 3,300.":"IPS: varčevanje 15.000 NOK na leto na pokojninskem računu zniža tvoj davek za 3.300 NOK.","Child benefit NOK 2,012 a month per child under 18 from February 2026, not means-tested.":"Otroški dodatek 2.012 NOK na mesec na otroka do 18. leta od februarja 2026, ne glede na dohodek.","49 weeks at 100% (shared, 15 reserved each)":"49 tednov s 100 % (deljeno, 15 rezerviranih za vsakega)","15 reserved weeks + 2 at birth":"15 rezerviranih tednov + 2 ob rojstvu","Included in the 49 weeks":"Vključeno v 49 tednov","100% up to 6 G from day 1":"100 % do 6 G od 1. dne","Employee in tax zone 1 (not Finnmark or Nord-Troms), taxed as single (tax class 1); the annual settlement can differ from monthly withholding. Interest, travel and other deductions are not modelled. Typical rent is the SSB average for a 2-room flat; energy costs are raised with general inflation because 2020 electricity prices were unusually low.":"Zaposleni v davčni coni 1 (ne Finnmark ali Nord-Troms), obdavčen kot samska oseba (davčni razred 1); letni obračun se lahko razlikuje od mesečnega odtegljaja. Obresti, potni in drugi odbitki niso upoštevani. Običajna najemnina je povprečje SSB za dvosobno stanovanje; stroški energije so zvišani s splošno inflacijo, ker so bile cene elektrike v 2020 nenavadno nizke.","Official sources: Skatteetaten (rates 2026), NAV (G from May 2026, guarantee pension, child benefit, dagpenger), Statistics Norway (rental survey 2025), the Working Environment Act.":"Uradni viri: Skatteetaten (stopnje 2026), NAV (G od maja 2026, zajamčena pokojnina, otroški dodatek, dagpenger), Statistics Norway (raziskava najemnin 2025), zakon o delovnem okolju.","Bracket tax on NOK 800,000":"Razredni davek na 800.000 NOK","Maximum standard deduction (minstefradrag)":"Najvišji standardni odbitek (minstefradrag)","Social security at NOK 100,000 (25% rule above NOK 99,650)":"Socialna varnost pri 100.000 NOK (pravilo 25 % nad 99.650 NOK)","Employee social security, NOK 600,000":"Socialna varnost zaposlenega, 600.000 NOK","Guarantee pension, single, high rate (per year)":"Zajamčena pokojnina, samska oseba, visoka stopnja (na leto)","Notice after 10 years at age 56 (months)":"Odpovedni rok po 10 letih pri starosti 56 (meseci)","Maximum unemployment benefit per day (62.4% of 6 G / 260)":"Najvišje nadomestilo za brezposelnost na dan (62,4 % od 6 G / 260)","Child benefit per child (per month)":"Otroški dodatek na otroka (na mesec)","Unemployment insurance 0.89% + daily allowance contribution 0.88%":"Zavarovanje za brezposelnost 0,89 % + prispevek za dnevno nadomestilo 0,88 %","State income tax (after the work income deduction)":"Državna dohodnina (po olajšavi za dohodek iz dela)","Health care contribution 1.10% + Yle tax":"Prispevek za zdravstveno varstvo 1,10 % + davek Yle","Work income deduction (työtulovähennys)":"Olajšava za dohodek iz dela (työtulovähennys)","Self-employed pension (YEL) 24.4%":"Pokojnina samozaposlenih (YEL) 24,4 %","14 days":"14 dni","minimum under the Employment Contracts Act; agreements may differ":"minimum po zakonu o pogodbah o zaposlitvi; pogodbe se lahko razlikujejo","Finland":"Finska","Church member (church tax)":"Član cerkve (cerkveni davek)","State tax 12.64% up to €22,000, 19% to €32,600, 30.25% to €40,100, 33.25% to €52,100 and 37.5% above; municipal tax (average 7.57%) after the basic deduction (up to €4,265); church tax about 1.38% for members; health care contribution 1.10%; Yle tax 2.5% above €15,150 (max €163). The work income deduction (18% of pay, max €3,430, +€105 per child) is taken from the tax.":"Državni davek 12,64 % do 22.000 €, 19 % do 32.600 €, 30,25 % do 40.100 €, 33,25 % do 52.100 € in 37,5 % nad tem; občinski davek (povprečje 7,57 %) po osnovnem odbitku (do 4.265 €); cerkveni davek za člane približno 1,38 %; prispevek za zdravstveno varstvo 1,10 %; davek Yle 2,5 % nad 15.150 € (največ 163 €). Olajšava za dohodek iz dela (18 % plače, največ 3.430 €, +105 € na otroka) se odšteje od davka.","Employee pension 7.30% (8.80% at ages 53–62), unemployment insurance 0.89% and daily allowance contribution 0.88%, all deductible. The employer pays about 17.1% pension plus 3.4% other insurances.":"Pokojnina zaposlenega 7,30 % (8,80 % pri starosti 53–62), zavarovanje za brezposelnost 0,89 % in prispevek za dnevno nadomestilo 0,88 %, vse odbitno. Delodajalec plača približno 17,1 % za pokojnino in 3,4 % za druga zavarovanja.","Daily overtime: +50% for the first 2 hours and +100% after; weekly overtime +50% for the first 8 hours and +100% after. Sunday work +100%. Max 138 hours in 4 months and 250 a year (more by agreement).":"Dnevne nadure: +50 % za prvi 2 uri in +100 % potem; tedenske nadure +50 % za prvih 8 ur in +100 % potem. Delo ob nedeljah +100 %. Največ 138 ur v 4 mesecih in 250 na leto (po dogovoru več).","Self-employed (toiminimi)":"Samozaposleni (toiminimi)","YEL pension insurance is compulsory above about €9,400 of YEL income, at 24.4% (22% discount for new entrepreneurs for 4 years); it is deductible. Profit is taxed as earned income with the same scale; part can be taxed as capital income depending on net assets. Not modelled: the 22% discount and capital income share.":"Pokojninsko zavarovanje YEL je obvezno nad približno 9.400 € dohodka YEL, po stopnji 24,4 % (22 % popusta za nove podjetnike 4 leta); je odbitno. Dobiček je obdavčen kot zaslužen dohodek po isti lestvici; del je lahko obdavčen kot kapitalski dohodek glede na neto premoženje. Ni upoštevano: popust 22 % in kapitalski delež.","Earnings-related pension":"Pokojnina, vezana na zaslužek","1.5% of each year’s pay is earned as pension, adjusted by the life-expectancy coefficient. The lowest old-age pension age is 65 for those born from 1965 (rising with life expectancy), and each month of deferral adds 0.4%.":"1,5 % plače vsakega leta se pridobi kot pokojnina, prilagojena s koeficientom življenjske dobe. Najnižja starost za starostno pokojnino je 65 za rojene od 1965 (raste z življenjsko dobo), vsak mesec odloga pa doda 0,4 %.","National and guarantee pension":"Nacionalna in zajamčena pokojnina","Kela’s national pension (up to €787.07 a month for a single person) and guarantee pension (total pension at least €990.90 a month) top up small earnings-related pensions.":"Kelina nacionalna pokojnina (do 787,07 € na mesec za samsko osebo) in zajamčena pokojnina (skupna pokojnina najmanj 990,90 € na mesec) dopolnita majhne pokojnine, vezane na zaslužek.","Voluntary pension savings (PS) of up to €5,000 a year are deductible from capital income, or as a 30% credit against earned income tax if you have no capital income. Payouts are capital income.":"Prostovoljno pokojninsko varčevanje (PS) do 5.000 € na leto se odbije od kapitalskega dohodka ali kot 30 % olajšava pri davku na zaslužen dohodek, če kapitalskega dohodka ni. Izplačila so kapitalski dohodek.","The statutory earnings-related pension covers most people well; voluntary PS savings (up to €5,000 a year) get a deduction worth about 30%. Deposit interest and fund gains pay 30% capital income tax (34% above €30,000).":"Zakonska pokojnina, vezana na zaslužek, večino ljudi dobro pokrije; prostovoljno varčevanje PS (do 5.000 € na leto) prinese odbitek v vrednosti približno 30 %. Obresti na depozite in dobički skladov plačajo 30 % davka na kapitalski dohodek (34 % nad 30.000 €).","2.5 days of leave for each full month worked (2 days in the first year), counted in weekdays Mon–Sat: 30 days, equal to 5 weeks. Most collective agreements add a holiday bonus (lomaraha) of 50% of holiday pay. Midsummer Eve and Christmas Eve are usually days off.":"2,5 dneva dopusta za vsak poln mesec dela (2 dneva v prvem letu), šteto v delavnikih pon–sob: 30 dni, kar je 5 tednov. Večina kolektivnih pogodb doda regres (lomaraha) v višini 50 % nadomestila za dopust. Večer pred kresom in božični večer sta običajno prosta.","Pregnancy allowance":"Nosečniško nadomestilo","40 working days before the birth":"40 delovnih dni pred rojstvom","About 90% of pay for the first 56 days, then about 70%":"Približno 90 % plače prvih 56 dni, nato približno 70 %","160 days per parent (up to 63 transferable) until the child is 2":"160 dni na starša (do 63 prenosljivih), dokler otrok ne dopolni 2 let","About 70% of pay from Kela":"Približno 70 % plače od Kele","Temporary care leave":"Začasni negovalni dopust","Up to 4 days for a sick child under 10":"Do 4 dni za bolnega otroka do 10. leta","Often paid by collective agreement":"Po kolektivni pogodbi pogosto plačan","Employer pays the day you fall ill and the next 9 working days, then Kela":"Delodajalec plača dan, ko zboliš, in naslednjih 9 delovnih dni, nato Kela","100%, then about 70% sickness allowance":"100 %, nato približno 70 % nadomestila za bolezen","Dismissal (financial or production reasons)":"Odpoved (finančni ali proizvodni razlogi)","From the employer: 14 days (under 1 year of service), 1 month (1–4 years), 2 months (4–8), 4 months (8–12), 6 months (12+). From you: 14 days, or 1 month after 5 years. No statutory severance pay; compensation only for unjustified dismissal.":"Od delodajalca: 14 dni (pod 1 letom delovne dobe), 1 mesec (1–4 leta), 2 meseca (4–8), 4 meseci (8–12), 6 mesecev (12+). Od tebe: 14 dni ali 1 mesec po 5 letih. Zakonske odpravnine ni; odškodnina samo pri neupravičeni odpovedi.","Unemployment allowance":"Nadomestilo za brezposelnost","Earnings-related allowance for unemployment fund members: €37.21 a day + 45% of the daily wage above it (20% above the split point), reduced to 80% after 8 weeks and 75% after 34 weeks, for 400 days (300 with less than 3 years of work).":"Nadomestilo, vezano na zaslužek, za člane sklada za brezposelnost: 37,21 € na dan + 45 % dnevne plače nad tem (20 % nad točko razdelitve), znižano na 80 % po 8 tednih in na 75 % po 34 tednih, 400 dni (300 z manj kot 3 leti dela).","Above about €52,100 the state tax is 37.5%, so the marginal tax is about 52%.":"Nad približno 52.100 € je državni davek 37,5 %, zato je mejni davek približno 52 %.","Join an unemployment fund (työttömyyskassa) to get the earnings-related allowance instead of the basic €37.21 a day.":"Včlani se v sklad za brezposelnost (työttömyyskassa), da dobiš nadomestilo, vezano na zaslužek, namesto osnovnih 37,21 € na dan.","Child benefit (lapsilisä) 2026: €94.88 a month for the first child, €104.84 for the second, €133.79 for the third, €153.24 for the fourth and €172.69 for each further child, until 17; single parents get €73.30 more per child.":"Otroški dodatek (lapsilisä) 2026: 94,88 € na mesec za prvega otroka, 104,84 € za drugega, 133,79 € za tretjega, 153,24 € za četrtega in 172,69 € za vsakega nadaljnjega, do 17. leta; samohranilci dobijo 73,30 € več na otroka.","40 days pregnancy + 160 days parental":"40 dni nosečniškega + 160 dni starševskega","160 days parental (63 transferable)":"160 dni starševskega (63 prenosljivih)","160 days per parent until age 2":"160 dni na starša do 2. leta","100% for 10 days, then ~70% (Kela)":"100 % 10 dni, nato ~70 % (Kela)","Employee under 65, annual tax as in the tax decision (monthly withholding uses a tax card percentage). For salaries below about €35,000 the result can be up to 1% of pay higher than the Finnish Taxpayers’ Association figures. Deductions for travel, union fees and household work, and the pension income deduction, are not modelled.":"Zaposleni, mlajši od 65 let, letni davek kot v davčni odločbi (mesečni odtegljaj uporablja odstotek z davčne kartice). Pri plačah pod približno 35.000 € je rezultat lahko do 1 % plače višji od zneskov Finske zveze davkoplačevalcev. Odbitki za potovanja, sindikalno članarino in gospodinjska dela ter odbitek za pokojninski dohodek niso upoštevani.","Official sources: Finnish Tax Administration (vero.fi), Government proposal HE 98/2025 (2026 tax scale and deductions), Kela (national pension, child benefit, unemployment allowance), Finnish Centre for Pensions, Employment Contracts Act; cross-checked with the Finnish Taxpayers’ Association 2026 tables.":"Uradni viri: Finska davčna uprava (vero.fi), vladni predlog HE 98/2025 (davčna lestvica in odbitki 2026), Kela (nacionalna pokojnina, otroški dodatek, nadomestilo za brezposelnost), Finski center za pokojnine, zakon o pogodbah o zaposlitvi; navzkrižno preverjeno s tabelami Finske zveze davkoplačevalcev 2026.","Taxes and contributions on €40,000 (municipal 7.57%, church member)":"Davki in prispevki na 40.000 € (občinski 7,57 %, član cerkve)","Taxes and contributions on €50,000":"Davki in prispevki na 50.000 €","Taxes and contributions on €60,000":"Davki in prispevki na 60.000 €","Taxes and contributions on €100,000":"Davki in prispevki na 100.000 €","State tax on taxable income of €40,100":"Državni davek na obdavčljivi dohodek 40.100 €","Full guarantee pension (per month)":"Polna zajamčena pokojnina (na mesec)","Employer notice after 12 years":"Odpovedni rok delodajalca po 12 letih","Child benefit, 2 children (per month)":"Otroški dodatek, 2 otroka (na mesec)","From about €35,000 a year take-home pay matches the Finnish Taxpayers’ Association figures within a few euros; below that, taxes can come out up to 1% of pay too high.":"Od približno 35.000 € na leto se neto plača ujema z zneski Finske zveze davkoplačevalcev na nekaj evrov natančno; pod tem so davki lahko do 1 % plače previsoki.","Only the tax rates and allowances are checked one by one; take-home pay has not been tested against an official calculator end to end.":"Posamično so preverjene samo davčne stopnje in olajšave; neto plača ni bila v celoti preizkušena z uradnim kalkulatorjem.","Only the full folkepension amount is checked; ATP is a rough estimate and labour-market pensions, the main source of income in retirement, are not included.":"Preverjen je samo polni znesek folkepension; ATP je groba ocena, pokojnine trga dela, glavni vir dohodka v pokoju, pa niso vključene.","The life-expectancy divisors by claim age are approximate and pension tax uses a simplified allowance from 66; use your statement at minpension.se for exact figures.":"Delitelji življenjske dobe po starosti ob uveljavitvi so približni, davek na pokojnino pa uporablja poenostavljeno olajšavo od 66. leta; za natančne zneske uporabi svoj izpisek na minpension.se.","Only the guarantee pension is checked; the life-expectancy divisors are approximate, and the pension income tax credit and AFP are not included.":"Preverjena je samo zajamčena pokojnina; delitelji življenjske dobe so približni, davčna olajšava za pokojninski dohodek in AFP pa nista vključena.","Only the guarantee pension is checked; the life-expectancy coefficient is approximate and the pension income deduction is not modelled, so net pension is an estimate.":"Preverjena je samo zajamčena pokojnina; koeficient življenjske dobe je približen, odbitek za pokojninski dohodek pa ni upoštevan, zato je neto pokojnina ocena.","The earnings-related unemployment allowance is estimated with a simplified daily wage; the official amount depends on your exact earnings history.":"Nadomestilo za brezposelnost, vezano na zaslužek, je ocenjeno s poenostavljeno dnevno plačo; uradni znesek je odvisen od tvoje natančne zgodovine zaslužkov.","The new 2025 unemployment rules (income-based qualification) are simplified to 80% for 100 days and 70% after.":"Nova pravila o brezposelnosti iz 2025 (pogoj na podlagi dohodka) so poenostavljena na 80 % za 100 dni in 70 % potem.","Enter past and current pay in today’s money. “Raise above inflation” is only the extra real growth you expect on top of price rises (0 = your pay just keeps up with inflation); it matters because the pension is based on your whole career’s pay.":"Pretekle in sedanje plače vnesi v današnjem denarju. „Povišanje nad inflacijo“ je samo dodatna realna rast, ki jo pričakuješ poleg rasti cen (0 = tvoja plača le sledi inflaciji); pomembna je, ker pokojnina temelji na plači celotne kariere.","Disclaimer:":"Izjava o omejitvi odgovornosti:","These calculations are indicative and based on the tax, social-security, pension and labour rules in force. Actual amounts may differ. Consult the official authority or a qualified tax or pension adviser for personalised advice.":"Ti izračuni so informativni in temeljijo na veljavnih davčnih, socialnovarstvenih, pokojninskih in delovnopravnih pravilih. Dejanski zneski se lahko razlikujejo. Za osebni nasvet se obrni na pristojni organ ali usposobljenega davčnega ali pokojninskega svetovalca.","Meal card / month (benefit)":"Kartica za prehrano / mesec (ugodnost)","Company car, value / month":"Službeni avto, vrednost / mesec","Fuel allowance / month":"Dodatek za gorivo / mesec","Relocation bonus (one-off)":"Bonus za selitev (enkratno)","Tax incentive / year (net saving)":"Davčna spodbuda / leto (neto prihranek)","Benefits are counted at the yearly value you enter. Company car: use what it saves you (a similar private lease plus insurance and maintenance, often 300–700 a month). Relocation bonus counts in the first year. Tax incentive: e.g. a new-resident regime (see the Salary tab). Benefits in kind may be partly taxable, which is not modelled here.":"Ugodnosti se štejejo po letni vrednosti, ki jo vneseš. Službeni avto: uporabi, kar ti prihrani (podoben zasebni najem z zavarovanjem in vzdrževanjem, pogosto 300–700 na mesec). Bonus za selitev šteje v prvem letu. Davčna spodbuda: npr. režim za nove rezidente (glej zavihek Plača). Bonitete so lahko delno obdavčljive, česar tu ne upoštevamo.","Meal card (benefit, × 12)":"Kartica za prehrano (ugodnost, × 12)","Net pay + meal card / year":"Neto plača + kartica za prehrano / leto","Treated as tax-free; most countries exempt meal cards only up to a daily limit, and above it the excess is taxed as pay.":"Obravnavano kot neobdavčeno; večina držav kartice za prehrano oprosti le do dnevne omejitve, presežek nad njo pa je obdavčen kot plača.","Age ":"Starost ","Simulated new amount (optional)":"Simuliran nov znesek (neobvezno)","incl. bonus {b} and meal card {m} a month":"z bonusom {b} in kartico za prehrano {m} na mesec","First enter what you spend today in each category. To test a change, type in “Simulated new amount” what you would spend instead, lower or higher; leave it empty to keep today’s amount. The table below then shows the difference from today for each category (a saving, or an extra cost if higher), what it adds up to over the years and how it moves the age at which you could stop working.":"Najprej vnesi, koliko danes porabiš v vsaki kategoriji. Za preizkus spremembe v „Simuliran nov znesek“ vpiši, kolikšna bi bila poraba namesto tega, manjša ali večja; pusti prazno, da ostane današnji znesek. Spodnja tabela nato za vsako kategorijo pokaže razliko od danes (prihranek ali dodaten strošek, če je več), kaj to skozi leta znese in kako premakne starost, pri kateri lahko nehaš delati.","Difference from today / month":"Razlika od danes / mesec","Tax-free":"Neobdavčeno","Starting amount":"Začetni znesek","Monthly contribution":"Mesečni prispevek","Yearly increase of contributions (%)":"Letno povečanje prispevkov (%)","Annual interest rate (%)":"Letna obrestna mera (%)","Years":"Leta","Compounding":"Obrestovanje","Yearly":"Letno","Quarterly":"Četrtletno","Daily":"Dnevno","Contributions at the":"Prispevki na","Start of each month":"Začetku vsakega meseca","End of each month":"Koncu vsakega meseca","Tax on gains when you withdraw (%)":"Davek na dobičke ob dvigu (%)","See how a starting amount and regular savings grow when the interest itself earns interest. Amounts in the currency of the selected country; change the country at the top.":"Poglej, kako rasteta začetni znesek in redno varčevanje, ko obresti same prinašajo obresti. Zneski v valuti izbrane države; državo spremeniš na vrhu.","from {p} paid in · interest earned {g}":"od {p} vplačanih · zaslužene obresti {g}","tax on gains {t}":"davek na dobičke {t}","starting amount + contributions":"začetni znesek + prispevki","Interest earned":"Zaslužene obresti","of the final balance":"končnega stanja","In today’s money":"V današnjem denarju","after {i} inflation a year":"po {i} inflacije na leto","Money doubles in":"Denar se podvoji v","years at this rate (rule of 72)":"letih pri tej stopnji (pravilo 72)","Paid in":"Vplačano","Interest":"Obresti","Year ":"Leto ","Paid in this year":"Vplačano letos","Interest this year":"Obresti letos","How it works: each month interest is added at the rate you entered, converted to your compounding frequency (effective yearly rate {e}), and your contribution is added at the start or end of the month; contributions rise each year by the increase you enter. Tax on gains is taken once at the end. Fees are not included. This is an illustration, not financial advice: real returns vary and are not guaranteed.":"Kako deluje: vsak mesec se dodajo obresti po vneseni stopnji, preračunani na tvojo pogostost obrestovanja (efektivna letna stopnja {e}), prispevek pa se doda na začetku ali koncu meseca; prispevki vsako leto zrastejo za vneseno povečanje. Davek na dobičke se odšteje enkrat na koncu. Stroški niso vključeni. To je ponazoritev, ne finančni nasvet: dejanski donosi se razlikujejo in niso zajamčeni.","Compound interest":"Obrestno obrestovanje","Your savings plan":"Tvoj varčevalni načrt","Growth year by year":"Rast po letih","Share":"Deli","Share this scenario":"Deli ta scenarij","Send the link or the scenario code to someone. They open the link, or paste the code below and press Load, and see exactly your inputs. Nothing is uploaded: the scenario is stored inside the link and the code.":"Pošlji povezavo ali kodo scenarija. Prejemnik odpre povezavo ali prilepi kodo spodaj in pritisne Naloži, pa vidi natanko tvoje vnose. Nič se ne naloži na strežnik: scenarij je shranjen v povezavi in kodi.","Link":"Povezava","Scenario code":"Koda scenarija","Copy":"Kopiraj","Share…":"Deli …","Open a shared scenario":"Odpri deljeni scenarij","Paste a scenario code or link here":"Sem prilepi kodo scenarija ali povezavo","Load":"Naloži","Close":"Zapri","Copied to clipboard":"Kopirano v odložišče","This code could not be read.":"Te kode ni bilo mogoče prebrati.","Shared scenario loaded":"Deljeni scenarij je naložen","My scenario in PayAbacus (open the link, or paste the code in Share → Open a shared scenario):":"Moj scenarij v PayAbacus (odpri povezavo ali prilepi kodo v Deli → Odpri deljeni scenarij):","Amounts in {c}.":"Zneski v valuti: {c}.","Tip: click a line, bar or legend entry to highlight that country in orange; click it again to go back.":"Nasvet: klikni črto, stolpec ali vnos v legendi, da državo označiš z oranžno; klikni znova za vrnitev.","How to read purchasing power":"Kako brati kupno moč","Purchasing power is not the salary converted at the exchange rate. It is measured in purchasing-power (PPP) dollars: one PPP dollar buys the same basket of goods and services in every country as one dollar buys in the United States. This removes the differences in prices between countries, so a higher number really buys more.":"Kupna moč ni plača, preračunana po menjalnem tečaju. Meri se v dolarjih kupne moči (PKM): en dolar PKM v vsaki državi kupi enako košarico dobrin in storitev kot en dolar v Združenih državah. To odpravi razlike v cenah med državami, zato višja številka res kupi več.","Example, {c} {y}: the average salary is <b>{n}</b> a year as paid. At the exchange rate that is about {x}, but prices in {c} are lower than in the US (about {r} buys what $1 buys there), so the salary buys what <b>{p}</b> would buy in the US.":"Primer, {c} {y}: povprečna plača je <b>{n}</b> na leto, kot je izplačana. Po menjalnem tečaju je to približno {x}, cene ({c}) pa so nižje kot v ZDA (približno {r} kupi toliko kot tam 1 $), zato plača kupi toliko, kot bi v ZDA kupilo <b>{p}</b>.","Example, {c} {y}: the average salary is <b>{n}</b> a year as paid. At the exchange rate that is about {x}, but prices in {c} are higher than in the US (about {r} buys what $1 buys there), so the salary buys only what <b>{p}</b> would buy in the US.":"Primer, {c} {y}: povprečna plača je <b>{n}</b> na leto, kot je izplačana. Po menjalnem tečaju je to približno {x}, cene ({c}) pa so višje kot v ZDA (približno {r} kupi toliko kot tam 1 $), zato plača kupi le toliko, kot bi v ZDA kupilo <b>{p}</b>.","To compare countries, use the purchasing-power column: the as-paid amounts are in different currencies and ignore how expensive each country is.":"Za primerjavo držav uporabi stolpec kupne moči: izplačani zneski so v različnih valutah in ne upoštevajo, kako draga je posamezna država.","At the exchange rate {y} (USD)":"Po menjalnem tečaju {y} (USD)","Exchange-rate dollars use the ECB yearly average reference rates (US dollars and pounds per euro).":"Dolarji po menjalnem tečaju uporabljajo letne povprečne referenčne tečaje ECB (ameriški dolarji in funti za evro).","Simulated new amount / month":"Simuliran nov znesek / mesec","Spending / month (simulated)":"Poraba / mesec (simulirano)","with your simulated amounts · today {v}":"s tvojimi simuliranimi zneski · danes {v}","Saved / month (simulated)":"Prihranjeno / mesec (simulirano)","{p} of your net income · today {v}":"{p} tvojega neto dohodka · danes {v}","Today (current spend) / month":"Danes (sedanja poraba) / mesec","Today (current spend)":"Danes (sedanja poraba)","with your simulated amounts (today’s amount where none is typed), keeping enough money until age {p}":"s tvojimi simuliranimi zneski (današnji znesek, kjer ni vpisanega), z dovolj denarja do starosti {p}","With today’s spending":"Z današnjo porabo","earliest stop age without your simulated changes":"najzgodnejša starost za konec dela brez tvojih simuliranih sprememb","Earliest stop, simulated spending":"Najzgodnejši konec, simulirana poraba","Earliest stop, today’s spending":"Najzgodnejši konec, današnja poraba","Simulated spending (stop at {a})":"Simulirana poraba (konec pri {a})","Today’s spending (stop at {a})":"Današnja poraba (konec pri {a})","Investment account (optional)":"Investicijski račun (neobvezno)","What if part of what you save each year goes into an investment account? The rest stays in savings at the savings return above. You choose the return: it is an assumption, not a forecast. Investments can lose value, returns are not guaranteed and past performance does not predict future results. Tax on investment gains is not included. When money is needed, savings are used first, then the investment account.":"Kaj, če gre del tega, kar vsako leto prihraniš, na investicijski račun? Ostalo ostane med prihranki po zgoraj navedenem donosu. Donos izbereš ti: je predpostavka, ne napoved. Naložbe lahko izgubijo vrednost, donosi niso zajamčeni in pretekla uspešnost ne napoveduje prihodnjih rezultatov. Davek na dobičke iz naložb ni vključen. Ko je denar potreben, se najprej porabijo prihranki, nato investicijski račun.","Investment account now":"Investicijski račun zdaj","Share of savings invested (%)":"Delež prihrankov v naložbe (%)","Expected investment return (% / year)":"Pričakovani donos naložb (% / leto)","Yearly fees (% of the account)":"Letni stroški (% računa)","Enter the expected investment return to see the effect; until then it counts as 0%.":"Vnesi pričakovani donos naložb, da vidiš učinek; do takrat šteje kot 0 %.","Investment account at {a}":"Investicijski račun pri {a}","{r} in today’s money":"{r} v današnjem denarju","paid in {p} · growth {g}":"vplačano {p} · rast {g}","Without investing (all kept in savings): {s}":"Brez vlaganja (vse med prihranki): {s}","of which investment account":"od tega investicijski račun","“Money left at {p}” is in future money, which includes inflation; the amount in brackets is the same money in today’s prices. “If you stop working today” counts all your money: savings and, if you have one, the investment account.":"„Preostali denar pri {p}“ je v prihodnjem denarju, ki vključuje inflacijo; znesek v oklepaju je isti denar v današnjih cenah. „Če z delom nehaš danes“ šteje ves tvoj denar: prihranke in, če ga imaš, investicijski račun.","How the investment account is calculated: each year {s} of what you save goes into it and it earns {r} a year minus fees; the rest stays in savings. When you need money, savings are used first and the investment account after. Once the account earns more each year than you spend, it keeps growing on its own: from then on a small change, such as working one more year, can move the stop age a lot, and the money left at the end can become very large.":"Kako se izračuna investicijski račun: vsako leto gre vanj {s} tega, kar prihraniš, in prinaša {r} na leto minus stroške; ostalo ostane med prihranki. Ko potrebuješ denar, se najprej porabijo prihranki, nato investicijski račun. Ko račun vsako leto zasluži več, kot porabiš, raste sam od sebe: od takrat lahko majhna sprememba, kot je eno leto dela več, močno premakne starost za konec dela, denar, ki ostane na koncu, pa lahko postane zelo velik.","You entered a return of {r} a year. A return this high, year after year for decades, is rare and never guaranteed, and it makes the results look much better. Try a few lower values to see how much the stop age depends on it.":"Vneseni donos je {r} na leto. Tako visok donos leto za letom desetletja je redek in nikoli zajamčen, rezultati pa so z njim videti precej boljši. Preizkusi nekaj nižjih vrednosti in poglej, kako zelo je starost za konec dela odvisna od njega.","How to read this chart: each line is your total money (savings plus the investment account, if any) at the end of each year, for a different stop age. It rises while you work and save, falls after you stop because your spending is paid from savings, and falls more slowly or rises again once the state pension starts. A line that drops below zero means the money runs out at that age. Amounts are in future money; choose “Today’s money” under “Show amounts in” to remove inflation.":"Kako brati ta graf: vsaka črta je tvoj skupni denar (prihranki in investicijski račun, če ga imaš) ob koncu vsakega leta, za različno starost ob koncu dela. Raste, dokler delaš in varčuješ, pade po koncu dela, ker se poraba plačuje iz prihrankov, in pada počasneje ali spet raste, ko se začne državna pokojnina. Črta, ki pade pod nič, pomeni, da pri tisti starosti zmanjka denarja. Zneski so v prihodnjem denarju; za odstranitev inflacije izberi „Današnji denar“ pod „Prikaži zneske v“.","The dotted line is the part held in the investment account.":"Pikčasta črta je del, ki je na investicijskem računu.","Watch the video guide":"Poglej video vodič","about 2 minutes, in English, with voice and captions":"približno 2 minuti, v angleščini, z glasom in podnapisi","≈ {m} a month ({y} a year) of what you save now":"≈ {m} na mesec ({y} na leto) od tega, kar zdaj prihraniš","You are not saving anything now, so nothing goes in yet.":"Zdaj ne prihraniš nič, zato še nič ne gre noter.","Your savings and investment account cover {m} months of spending (aim for 3–6).":"Prihranki in investicijski račun pokrijejo {m} mesecev porabe (cilj je 3–6).","Video guide:":"Video vodič:","short, in English, with voice and captions":"kratek, v angleščini, z glasom in podnapisi","How it works":"Kako deluje","Guides":"Vodiči","New here? This tab has a {m}-minute video guide.":"Si tu prvič? Ta zavihek ima {m}-minutni video vodič.","Watch the guide":"Poglej vodič","More":"Več","Save or share":"Shrani ali deli","Save or share this scenario":"Shrani ali deli ta scenarij","To keep this scenario for later, bookmark the link or save the code: it works on any device and browser.":"Če želiš ta scenarij ohraniti za pozneje, si povezavo dodaj med zaznamke ali shrani kodo: deluje na vsaki napravi in v vsakem brskalniku.","Less":"Manj","Checked against official sources · {n} checks":"Preverjeno z uradnimi viri · {n} preverb","Free calculators for pay, pensions and financial planning, checked against official sources.":"Brezplačni kalkulatorji za plače, pokojnine in finančno načrtovanje, preverjeni z uradnimi viri.","Calculators":"Kalkulatorji","About":"O nas","How we calculate":"Kako računamo","Accuracy checks":"Preverbe natančnosti","Legal":"Pravno","Privacy":"Zasebnost","Legal notice":"Pravno obvestilo","Contact":"Kontakt","Every calculator applies the tax, social-security, pension and labour rules in force in each country, taken from official sources: tax authorities, social-security institutions, statistics offices and the law. Each country’s rules and sources are listed at the bottom of its tabs.||Results are checked against official calculators and worked examples; see Accuracy checks. Amounts are estimates for typical cases, and special situations may differ.":"Vsak kalkulator uporablja davčna, socialnovarstvena, pokojninska in delovnopravna pravila, ki veljajo v posamezni državi, povzeta iz uradnih virov: davčnih uprav, ustanov socialne varnosti, statističnih uradov in zakonodaje. Pravila in viri vsake države so navedeni na dnu njenih zavihkov.||Rezultati so preverjeni z uradnimi kalkulatorji in izračunanimi primeri; glej Preverbe natančnosti. Zneski so ocene za tipične primere, posebni primeri se lahko razlikujejo.","PayAbacus has no accounts and does not send what you type anywhere: all calculations run in your browser.||Your last inputs, language and theme are remembered only in this browser, so you find them next time; clearing your browser data removes them. A shared link or code contains the scenario itself and is seen only by the people you send it to.||Fonts and the chart library load from public content networks, which see your IP address like any website.":"PayAbacus nima uporabniških računov in tega, kar vpišeš, nikamor ne pošilja: vsi izračuni potekajo v tvojem brskalniku.||Tvoji zadnji vnosi, jezik in tema se zapomnijo samo v tem brskalniku, da jih najdeš naslednjič; z brisanjem podatkov brskalnika se odstranijo. Deljena povezava ali koda vsebuje sam scenarij in jo vidijo samo ljudje, ki jim jo pošlješ.||Pisave in knjižnica za grafe se naložijo iz javnih omrežij za dostavo vsebin, ki vidijo tvoj naslov IP kot vsaka spletna stran.","The legal notice with the site owner’s details will be published here before the public launch.":"Pravno obvestilo s podatki o lastniku strani bo objavljeno tukaj pred javnim zagonom.","Contact details will be published here before the public launch.":"Kontaktni podatki bodo objavljeni tukaj pred javnim zagonom.","Showing {c}, based on your browser settings. You can change the country and language at the top.":"Prikazana država: {c}, glede na nastavitve tvojega brskalnika. Državo in jezik lahko spremeniš na vrhu.","Average salary in {y}, in purchasing power ({c} = 100)":"Povprečna plača v letu {y} v kupni moči ({c} = 100)","Index, {c} = 100":"Indeks, {c} = 100","Home price":"Cena stanovanja","Down payment":"Polog","Down payment (% of price)":"Polog (% cene)","Interest rate (% / year)":"Obrestna mera (% / leto)","Term (years)":"Doba (leta)","Repayment":"Odplačevanje","Equal monthly payments (annuity)":"Enaki mesečni obroki (anuiteta)","Equal capital each month (linear)":"Enaka glavnica vsak mesec (linearno)","Extra repayment / month":"Dodatno odplačilo / mesec","Other housing costs / month":"Drugi stanovanjski stroški / mesec","Net household income / month":"Neto dohodek gospodinjstva / mesec","See the monthly payment and the total cost of a home loan, and whether it fits your income. Amounts in the currency of the selected country.":"Poglej mesečni obrok in skupni strošek stanovanjskega kredita ter ali ustreza tvojemu dohodku. Zneski v valuti izbrane države.","{y} years":"{y} let","{y} years 1 month":"{y} let in 1 mesec","{y} years {m} months":"{y} let in {m} mesecev","Monthly payment":"Mesečni obrok","first month; it falls every month as the balance shrinks · loan {l}":"prvi mesec; vsak mesec se zniža, ko se stanje zmanjšuje · kredit {l}","over {y} years at {r} · loan {l}":"v {y} letih po {r} · kredit {l}","Loan amount":"Znesek kredita","{p} of the price (loan-to-value)":"{p} cene (razmerje kredit/vrednost)","Total interest":"Skupne obresti","total paid {t}":"skupaj plačano {t}","Share of net income":"Delež neto dohodka","payment + other costs + extra":"obrok + drugi stroški + dodatno","Paid off in":"Odplačano v","{t} sooner, {i} less interest":"{t} prej, {i} manj obresti","add an extra repayment to see the saving":"dodaj dodatno odplačilo, da vidiš prihranek","Enter your net income to check affordability.":"Vnesi neto dohodek, da preveriš dostopnost.","Housing costs take {p} of your net income: comfortable. A common rule of thumb is to keep them below about a third.":"Stanovanjski stroški vzamejo {p} tvojega neto dohodka: udobno. Pogosto pravilo je, da naj bodo pod približno tretjino.","Housing costs take {p} of your net income: manageable but tight. Leave room for savings and unexpected costs.":"Stanovanjski stroški vzamejo {p} tvojega neto dohodka: obvladljivo, a tesno. Pusti prostor za prihranke in nepričakovane stroške.","Housing costs take {p} of your net income: high. Lenders may lend less, and a rate rise would hurt. A bigger down payment, a longer term or a cheaper home would lower it.":"Stanovanjski stroški vzamejo {p} tvojega neto dohodka: visoko. Posojilodajalci lahko posodijo manj, dvig obrestne mere pa bi bolel. Večji polog, daljša doba ali cenejše stanovanje bi delež znižali.","Stress test: if the rate rose by 2 points (to {r}), the payment would be {v}, {d} more a month.":"Stresni test: če bi se obrestna mera zvišala za 2 točki (na {r}), bi bil obrok {v}, kar je {d} več na mesec.","Capital":"Glavnica","Extra repayment":"Dodatno odplačilo","Year {y}":"Leto {y}","Without the extra repayment":"Brez dodatnega odplačila","How it works: interest is charged every month on the remaining balance at the rate you enter. With equal monthly payments the payment stays the same and the capital part grows; with equal capital the payment starts higher and falls. Extra repayments go straight to the capital. The rate is your assumption, not an offer: compare real offers. Not yet included for {c}: tax relief on mortgage interest, purchase costs such as transfer tax and notary fees, and official lending limits.":"Kako deluje: obresti se vsak mesec obračunajo na preostalo stanje po vneseni obrestni meri. Pri enakih mesečnih obrokih obrok ostaja enak, del glavnice pa raste; pri enaki glavnici je obrok sprva višji in se znižuje. Dodatna odplačila gredo neposredno v glavnico. Obrestna mera je tvoja predpostavka, ne ponudba: primerjaj dejanske ponudbe. Za državo {c} še ni vključeno: davčna olajšava za obresti kredita, stroški nakupa, kot sta davek na promet in notarski stroški, ter uradne omejitve kreditiranja.","Mortgage":"Stanovanjski kredit","Your home and loan":"Tvoje stanovanje in kredit","Can you afford it?":"Si ga lahko privoščiš?","What you pay each year":"Kaj plačaš vsako leto","Balance over the years":"Stanje skozi leta","Use this cost in the Financial planner":"Uporabi ta strošek v finančnem načrtovalniku","{v} a month is now your housing cost in the Financial planner.":"{v} na mesec je zdaj tvoj stanovanjski strošek v finančnem načrtovalniku.","You and your pension history":"Ti in tvoja pokojninska zgodovina","Savings and bank account":"Prihranki in bančni račun","Assumptions":"Predpostavke","Display and tests":"Prikaz in preizkusi","Mortgage (optional)":"Stanovanjski kredit (neobvezno)","Enter what you still owe on your home loan. Its monthly payment counts in your spending and financial health until it is paid off; the payment stays fixed and is not raised with inflation. If you enter it here, keep only other housing costs (building fees, insurance) under Housing in the expenses.":"Vnesi, koliko še dolguješ na stanovanjskem kreditu. Njegov mesečni obrok šteje v tvojo porabo in finančno zdravje, dokler ni odplačan; obrok ostaja fiksen in se ne zvišuje z inflacijo. Če ga vneseš tukaj, pri Stanovanju med stroški pusti samo druge stanovanjske stroške (stroške stavbe, zavarovanje).","Mortgage still owed":"Preostali dolg kredita","Mortgage rate (% / year)":"Obrestna mera kredita (% / leto)","Years left":"Preostala leta","Copy from the Mortgage tab":"Kopiraj iz zavihka Stanovanjski kredit","incl. mortgage {v} a month until age {a}":"s kreditom {v} na mesec do starosti {a}","Your mortgage ({v} a month) is now in the Financial planner.":"Tvoj kredit ({v} na mesec) je zdaj v finančnem načrtovalniku.","Housing: other costs only (mortgage entered above)":"Stanovanje: samo drugi stroški (kredit vnesen zgoraj)","This looks like your mortgage payment ({v} a month). The mortgage is already counted from the section above, so enter only other housing costs here (building fees, insurance, property tax), or it is counted twice.":"To je videti kot obrok tvojega kredita ({v} na mesec). Kredit je že upoštevan iz razdelka zgoraj, zato tu vnesi samo druge stanovanjske stroške (stroške stavbe, zavarovanje, davek na nepremičnine), sicer se šteje dvakrat.","As in the Salary tab ({n})":"Kot v zavihku Plača ({n})","Mortgage payment (from the Mortgage section)":"Obrok kredita (iz razdelka Stanovanjski kredit)","{v} a month, fixed, until age {a}":"{v} na mesec, fiksno, do starosti {a}","Change it in the Mortgage section":"Spremeni ga v razdelku Stanovanjski kredit","Mortgage payment":"Obrok kredita","Fixed until age {a}":"Fiksno do starosti {a}","{n} checks for this tab against official sources":"{n} preverb tega zavihka z uradnimi viri","1 check for this tab against official sources":"1 preverba tega zavihka z uradnimi viri","{n} of the {t} checks for {c} cover this tab ({a} checks across all countries). Click to see them.":"{n} od {t} preverb za državo {c} zajema ta zavihek ({a} preverb v vseh državah). Klikni, da jih vidiš.","Housing (other costs)":"Stanovanje (drugi stroški)","Quick start":"Hiter začetek","These three are enough for a first result. Open the sections below to fine-tune it.":"Ti trije so dovolj za prvi rezultat. Odpri spodnje razdelke, da ga natančneje nastaviš.","Spending / month (all expenses)":"Poraba / mesec (vsi stroški)","A new total is spread over the expense categories below in the same proportions.":"Nov skupni znesek se v enakih razmerjih razporedi po spodnjih kategorijah stroškov.","Income details":"Podrobnosti dohodka","Plus the mortgage payment of {v} from the Mortgage section: {t} a month in total.":"In obrok kredita {v} iz razdelka Stanovanjski kredit: skupaj {t} na mesec.","{g} gross · {n} salaries a year":"{g} bruto · {n} plač na leto","bonus {b}":"bonus {b}","meal card {m}":"kartica za prehrano {m}","Age {a} · {y} years insured · plan to age {p}":"Starost {a} · {y} let zavarovanja · načrt do starosti {p}","{v} invested · {p} of savings · {r} a year":"{v} vloženo · {p} prihrankov · {r} na leto","Not used":"Ni uporabljeno","Savings return {r} · inflation {i} · pay rise {g}":"Donos prihrankov {r} · inflacija {i} · povišanje plače {g}","{s} · comparison over {n} years":"{s} · primerjava v {n} letih","Total {v} a month":"Skupaj {v} na mesec","simulated {v}":"simulirano {v}","Video guide for this tab · {m} min":"Video vodič za ta zavihek · {m} min","See the result below":"Poglej rezultat spodaj","Back to the result":"Nazaj na rezultat","Skip to the calculator":"Preskoči na kalkulator","Show":"Pokaži","Hide":"Skrij","Including the bonus: {g} gross / month · {n} net / month (year ÷ 12)":"Z bonusom: {g} bruto / mesec · {n} neto / mesec (leto ÷ 12)","A new total is split for you: essentials follow the official typical costs for your country and household, children get 6% each, and the rest goes to leisure, holidays and other. Loans and a rent you typed stay as entered; adjust any category below.":"Nov skupni znesek se razdeli namesto tebe: osnovne potrebe sledijo uradnim običajnim stroškom za tvojo državo in gospodinjstvo, otroci dobijo vsak po 6 %, ostalo pa gre za prosti čas, počitnice in drugo. Posojila in vpisana najemnina ostanejo, kot so vnesena; katerokoli kategorijo lahko spodaj prilagodiš.","Past years’ rules":"Pravila preteklih let","2008 rules: income tax + employee contributions at the average wage (€41,000)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (41.000 €)","2015 rules: income tax + employee contributions at the average wage (€47,100)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (47.100 €)","2021 rules: income tax + employee contributions at the average wage (€52,800)":"Pravila 2021: dohodnina + prispevki zaposlenega pri povprečni plači (52.800 €)","2012 rules: income tax + employee contributions at the average wage (€29,440)":"Pravila 2012: dohodnina + prispevki zaposlenega pri povprečni plači (29.440 €)","2016 rules: income tax + employee contributions at the average wage (€30,619)":"Pravila 2016: dohodnina + prispevki zaposlenega pri povprečni plači (30.619 €)","2021 rules: income tax + employee contributions at the average wage (€33,111)":"Pravila 2021: dohodnina + prispevki zaposlenega pri povprečni plači (33.111 €)","2008 rules: income tax + employee contributions at the average wage (€23,252)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (23.252 €)","2016 rules: income tax + employee contributions at the average wage (€26,449)":"Pravila 2016: dohodnina + prispevki zaposlenega pri povprečni plači (26.449 €)","2022 rules: income tax + employee contributions at the average wage (€28,780)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (28.780 €)","2008 rules: income tax + employee contributions at the average wage (£33,382)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (33.382 £)","2015 rules: income tax + employee contributions at the average wage (£35,978)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (35.978 £)","2022 rules: income tax + employee contributions at the average wage (£45,077)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (45.077 £)","2008 rules: income tax + employee contributions at the average wage (€33,580)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (33.580 €)","2015 rules: income tax + employee contributions at the average wage (€37,975)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (37.975 €)","2022 rules: income tax + employee contributions at the average wage (€41,867)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (41.867 €)","Your salary across 20 years of {c} tax rules":"Tvoja plača skozi 20 let davčnih pravil ({c})","Your {y} salary run through the income tax and social security rules of every year since 2006, for a single person without children and with standard deductions.":"Tvoja plača iz leta {y}, preračunana po pravilih dohodnine in socialne varnosti vsakega leta od 2006, za samsko osebo brez otrok s standardnimi odbitki.","Same amount":"Enak znesek","{y} money (inflation-adjusted)":"Denar iz leta {y} (prilagojeno inflaciji)","Each year’s money":"Denar vsakega leta","per month, in {y} money":"na mesec, v denarju iz leta {y}","{a} in 2006 buys what {v} buys in {y}":"{a} v letu 2006 kupi toliko kot {v} v letu {y}","Employee contributions":"Prispevki zaposlenega","Taxes":"Davki","Yearly pay split, in {y} money":"Razdelitev letne plače, v denarju iz leta {y}","Yearly pay split, in each year’s money":"Razdelitev letne plače, v denarju vsakega leta","Net / mo (÷ 12)":"Neto / mes. (÷ 12)","Net / mo in {y} money":"Neto / mes. v denarju iz leta {y}","Each year uses that year’s published income tax and social security schedules; the results are cross-checked against OECD Taxing Wages for the average worker. Prices: national consumer price index.":"Vsako leto uporablja objavljene lestvice dohodnine in socialne varnosti tistega leta; rezultati so navzkrižno preverjeni z OECD Taxing Wages za povprečnega delavca. Cene: nacionalni indeks cen življenjskih potrebščin.","Church tax is not included; contributions use the Western Germany ceilings.":"Cerkveni davek ni vključen; prispevki uporabljajo meje za zahodno Nemčijo.","Regional and municipal surcharges use the rates set in the form above for every year.":"Regionalni in občinski dodatki za vsako leto uporabljajo stopnje, nastavljene v obrazcu zgoraj.","CSG and CRDS are counted as taxes, as in the OECD figures; contributions are for a non-executive employee, without the company health plan (mutuelle).":"CSG in CRDS se štejeta kot davka, kot v podatkih OECD; prispevki so za zaposlenega, ki ni vodilni delavec, brez podjetniškega zdravstvenega zavarovanja (mutuelle).","UK tax years start in April (2006/07 to 2026/27). Rates for England, Wales and Northern Ireland.":"Britanska davčna leta se začnejo aprila (2006/07 do 2026/27). Stopnje za Anglijo, Wales in Severno Irsko.","2008 rules: income tax + employee contributions at the average wage (€43,146)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (43.146 €)","2015 rules: income tax + employee contributions at the average wage (€49,540)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (49.540 €)","2022 rules: income tax + employee contributions at the average wage (€58,890)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (58.890 €)","2008 rules: income tax + employee contributions at the average wage (€40,698)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (40.698 €)","2015 rules: income tax + employee contributions at the average wage (€46,479)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (46.479 €)","2022 rules: income tax + employee contributions at the average wage (€55,038)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (55.038 €)","2008 rules: income tax + employee contributions at the average wage (€47,043)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (47.043 €)","2015 rules: income tax + employee contributions at the average wage (€55,858)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (55.858 €)","2022 rules: income tax + employee contributions at the average wage (€68,578)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (68.578 €)","2008 rules: income tax + employee contributions at the average wage (€37,258)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (37.258 €)","2015 rules: income tax + employee contributions at the average wage (€43,911)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (43.911 €)","2022 rules: income tax + employee contributions at the average wage (€53,126)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (53.126 €)","2008 rules: income tax + employee contributions at the average wage (€14,905)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (14.905 €)","2015 rules: income tax + employee contributions at the average wage (€15,781)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (15.781 €)","2022 rules: income tax + employee contributions at the average wage (€19,739)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (19.739 €)","2008 rules: income tax + employee contributions at the average wage (€42,783)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (42.783 €)","2015 rules: income tax + employee contributions at the average wage (€43,733)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (43.733 €)","2022 rules: income tax + employee contributions at the average wage (€52,014)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (52.014 €)","2008 rules: income tax + employee contributions at the average wage (DKK 359,300)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (359.300 DKK)","2015 rules: income tax + employee contributions at the average wage (DKK 403,600)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (403.600 DKK)","2022 rules: income tax + employee contributions at the average wage (DKK 469,400)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (469.400 DKK)","2008 rules: income tax + employee contributions at the average wage (SEK 352,470)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (352.470 SEK)","2015 rules: income tax + employee contributions at the average wage (SEK 414,105)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (414.105 SEK)","2022 rules: income tax + employee contributions at the average wage (SEK 493,770)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (493.770 SEK)","2008 rules: income tax + employee contributions at the average wage (NOK 443,613)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (443.613 NOK)","2015 rules: income tax + employee contributions at the average wage (NOK 556,670)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (556.670 NOK)","2022 rules: income tax + employee contributions at the average wage (NOK 689,301)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (689.301 NOK)","2008 rules: income tax + employee contributions at the average wage (€37,372)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (37.372 €)","2015 rules: income tax + employee contributions at the average wage (€43,268)":"Pravila 2015: dohodnina + prispevki zaposlenega pri povprečni plači (43.268 €)","2022 rules: income tax + employee contributions at the average wage (€50,830)":"Pravila 2022: dohodnina + prispevki zaposlenega pri povprečni plači (50.830 €)","2010 rules: income tax + employee contributions at the average wage (€17,947)":"Pravila 2010: dohodnina + prispevki zaposlenega pri povprečni plači (17.947 €)","2016 rules: income tax + employee contributions at the average wage (€21,848)":"Pravila 2016: dohodnina + prispevki zaposlenega pri povprečni plači (21.848 €)","2023 rules: income tax + employee contributions at the average wage (€27,351)":"Pravila 2023: dohodnina + prispevki zaposlenega pri povprečni plači (27.351 €)","2014 rules: income tax + employee contributions at the average wage (€20,712)":"Pravila 2014: dohodnina + prispevki zaposlenega pri povprečni plači (20.712 €)","2018 rules: income tax + employee contributions at the average wage (€21,864)":"Pravila 2018: dohodnina + prispevki zaposlenega pri povprečni plači (21.864 €)","2023 rules: income tax + employee contributions at the average wage (€27,480)":"Pravila 2023: dohodnina + prispevki zaposlenega pri povprečni plači (27.480 €)","Each year uses that year’s published income tax and social security schedules; the results are cross-checked against OECD Taxing Wages (Eurostat for Malta and Cyprus) for the average worker. Prices: national consumer price index.":"Vsako leto uporablja objavljene lestvice dohodnine in socialne varnosti tistega leta; rezultati so navzkrižno preverjeni z OECD Taxing Wages (Eurostat za Malto in Ciper) za povprečnega delavca. Cene: nacionalni indeks cen življenjskih potrebščin.","Pension-fund contributions use your setting above for every year; the 2026 row comes from the current calculator.":"Prispevki v pokojninski sklad za vsako leto uporabljajo tvojo nastavitev zgoraj; vrstica 2026 izhaja iz sedanjega kalkulatorja.","Municipal and regional surcharges at the average rates; the 2026 row comes from the current calculator.":"Občinski in regionalni dodatki po povprečnih stopnjah; vrstica 2026 izhaja iz sedanjega kalkulatorja.","Tax class 1; the 2026 row comes from the current calculator.":"Davčni razred 1; vrstica 2026 izhaja iz sedanjega kalkulatorja.","14 salaries a year, the 13th and 14th taxed at 6%; the 2026 row comes from the current calculator.":"14 plač na leto, 13. in 14. obdavčeni s 6 %; vrstica 2026 izhaja iz sedanjega kalkulatorja.","Mainland Portugal, individual taxation; the 2026 row comes from the current calculator.":"Celinska Portugalska, individualna obdavčitev; vrstica 2026 izhaja iz sedanjega kalkulatorja.","PRSI class A; the 2026 row comes from the current calculator.":"PRSI razred A; vrstica 2026 izhaja iz sedanjega kalkulatorja.","Single rates; Class 1 social security for people born from 1962; 2006–2007 bands converted from Maltese lira. The 2026 row comes from the current calculator.":"Stopnje za samske osebe; socialna varnost razreda 1 za rojene od 1962; razredi 2006–2007 preračunani iz malteške lire. Vrstica 2026 izhaja iz sedanjega kalkulatorja.","Social insurance and, from 2019, the GESY health contribution; 2006–2007 bands converted from Cyprus pounds; the social insurance ceiling before 2014 is approximate. The 2026 row comes from the current calculator.":"Socialno zavarovanje in od 2019 zdravstveni prispevek GESY; razredi 2006–2007 preračunani iz ciprskega funta; meja socialnega zavarovanja pred 2014 je približna. Vrstica 2026 izhaja iz sedanjega kalkulatorja.","Average municipal tax, no church tax; ATP is counted as a contribution. The 2026 row comes from the current calculator.":"Povprečni občinski davek, brez cerkvenega davka; ATP se šteje kot prispevek. Vrstica 2026 izhaja iz sedanjega kalkulatorja.","Average municipal tax; burial and church fees and the public-service fee are not included. The 2026 row comes from the current calculator.":"Povprečni občinski davek; pogrebna in cerkvena pristojbina ter pristojbina za javne medije niso vključene. Vrstica 2026 izhaja iz sedanjega kalkulatorja.","The 2026 row comes from the current calculator.":"Vrstica 2026 izhaja iz sedanjega kalkulatorja.","Average municipal tax, no church tax; for pay below about half the average wage past years are less precise. The 2026 row comes from the current calculator.":"Povprečni občinski davek, brez cerkvenega davka; za plače pod približno polovico povprečne plače so pretekla leta manj natančna. Vrstica 2026 izhaja iz sedanjega kalkulatorja.","Home buying":"Nakup stanovanja","Stamp Duty Land Tax on £300,000 (not a first-time buyer)":"Stamp Duty Land Tax na 300.000 £ (ne prvi kupec)","Stamp Duty Land Tax on £450,000 (first-time buyer)":"Stamp Duty Land Tax na 450.000 £ (prvi kupec)","Stamp duty on €1,200,000":"Kolkovina na 1.200.000 €","Transfer duties on €300,000 (first home)":"Davki na promet na 300.000 € (prvo stanovanje)","IMT on a €200,000 own permanent home (mainland)":"IMT na 200.000 € za lastni stalni dom (celina)","Deed registration fee on DKK 3,000,000":"Pristojbina za vpis listine na 3.000.000 DKK","Mortgage registration fee on a DKK 2,000,000 loan":"Pristojbina za vpis hipoteke na kredit 2.000.000 DKK","Duties on a €700,000 main home after the Bëllegen Akt credit":"Dajatve na glavni dom za 700.000 € po olajšavi Bëllegen Akt","Transfer tax on €500,000, starter aged 30":"Davek na promet na 500.000 €, prvi kupec, star 30 let","Registration duty on €300,000 sole home in Brussels":"Registracijska dajatev na 300.000 € za edini dom v Bruslju","Stamp duty on €280,000, first-time buyer":"Kolkovina na 280.000 €, prvi kupec","Land transfer tax on €300,000 in Bavaria":"Davek na promet nepremičnin na 300.000 € na Bavarskem","Interest tax reduction on SEK 120,000 of interest":"Davčno znižanje za obresti na 120.000 SEK obresti","Interest credit on €5,000 of interest (main home)":"Olajšava za obresti na 5.000 € obresti (glavni dom)","tax, contributions, net pay, state and private pensions, termination, benefits, home buying":"davek, prispevki, neto plača, državne in zasebne pokojnine, prenehanje zaposlitve, prejemki, nakup stanovanja","First home you buy (main home)":"Prvo stanovanje, ki ga kupuješ (glavni dom)","Region":"Regija","Home type":"Vrsta nepremičnine","Apartment":"Stanovanje","House":"Hiša","Cadastral value (valore catastale, optional)":"Katastrska vrednost (valore catastale, neobvezno)","Rent or buy?":"Najem ali nakup?","Rent for a similar home / month":"Najemnina za podobno stanovanje / mesec","Rent rise (% / year)":"Rast najemnine (% / leto)","Home price rise (% / year)":"Rast cene stanovanja (% / leto)","Return on invested savings (% / year)":"Donos vloženih prihrankov (% / leto)","Upkeep and owner costs (% of value / year)":"Vzdrževanje in stroški lastnika (% vrednosti / leto)","Selling costs at the end (% of value)":"Stroški prodaje na koncu (% vrednosti)","Compare over (years)":"Primerjaj v (letih)","Madrid (6%)":"Madrid (6 %)","Catalonia (10%)":"Katalonija (10 %)","Andalusia (7%)":"Andaluzija (7 %)","Other regions (about 8–10%; 9% used)":"Druge regije (približno 8–10 %; uporabljeno 9 %)","Flanders":"Flandrija","Wallonia":"Valonija","Brussels":"Bruselj","Transfer tax":"Davek na promet","Notary and land registry (estimate)":"Notar in zemljiška knjiga (ocena)","Transfer tax 3% + 3% municipal surcharge (3.09%)":"Davek na promet 3 % + 3 % občinski dodatek (3,09 %)","Notary fee incl. VAT (estimate, about 1%)":"Notarski stroški z DDV (ocena, približno 1 %)","Land registry / cadastre (estimate, about 0.5%)":"Zemljiška knjiga / kataster (ocena, približno 0,5 %)","Lawyer incl. VAT (estimate, about 1%)":"Odvetnik z DDV (ocena, približno 1 %)","Notary and land registry (estimate, about 2%)":"Notar in zemljiška knjiga (ocena, približno 2 %)","Registration tax 2% of the cadastral value (first home, min €1,000) + €100 mortgage and cadastral tax":"Registracijski davek 2 % katastrske vrednosti (prvi dom, najmanj 1.000 €) + 100 € hipotekarnega in katastrskega davka","Registration tax 9% of the cadastral value (min €1,000) + €100 mortgage and cadastral tax":"Registracijski davek 9 % katastrske vrednosti (najmanj 1.000 €) + 100 € hipotekarnega in katastrskega davka","Notary (estimate)":"Notar (ocena)","Property transfer tax (ITP, resale)":"Davek na promet nepremičnin (ITP, preprodaja)","Notary, land registry and agency (estimate, about 1.2%)":"Notar, zemljiška knjiga in agencija (ocena, približno 1,2 %)","Stamp Duty Land Tax, first-time buyer relief (England & NI)":"Stamp Duty Land Tax, olajšava za prve kupce (Anglija in SI)","Stamp Duty Land Tax (England & NI)":"Stamp Duty Land Tax (Anglija in SI)","Conveyancing and searches (estimate)":"Pravni postopek prenosa in poizvedbe (ocena)","Transfer duties 5.81% (first home: exempt from the 2025–2028 increase)":"Davki na promet 5,81 % (prvi dom: oproščeno zvišanja 2025–2028)","Transfer duties 6.32% (most departments, 2025–2028)":"Davki na promet 6,32 % (večina departmajev, 2025–2028)","Notary fees and disbursements (estimate, about 1.2%)":"Notarski stroški in izdatki (ocena, približno 1,2 %)","Transfer tax 0% (starter under 35, price up to €555,000)":"Davek na promet 0 % (prvi kupec, mlajši od 35 let, cena do 555.000 €)","Transfer tax 2% (own home)":"Davek na promet 2 % (lastni dom)","Notary, land registry and valuation (estimate)":"Notar, zemljiška knjiga in cenitev (ocena)","Registration duty 2% (Flanders, sole own home)":"Registracijska dajatev 2 % (Flandrija, edini lastni dom)","Registration duty 12% (Flanders)":"Registracijska dajatev 12 % (Flandrija)","Registration duty 3% (Wallonia, sole own home)":"Registracijska dajatev 3 % (Valonija, edini lastni dom)","Registration duty 12.5% (Wallonia)":"Registracijska dajatev 12,5 % (Valonija)","Registration duty 12.5% after the €200,000 allowance (Brussels)":"Registracijska dajatev 12,5 % po olajšavi 200.000 € (Bruselj)","Registration duty 12.5% (Brussels)":"Registracijska dajatev 12,5 % (Bruselj)","Notary and deed costs incl. VAT (estimate, about 1.5%)":"Notarski stroški in stroški listine z DDV (ocena, približno 1,5 %)","Registration + transcription duties 7%":"Registracijske in prepisne dajatve 7 %","Tax credit for a main home (Bëllegen Akt, up to €40,000 per buyer)":"Davčna olajšava za glavni dom (Bëllegen Akt, do 40.000 € na kupca)","Notary (estimate, about 1%)":"Notar (ocena, približno 1 %)","Real estate transfer tax 3.5%":"Davek na promet nepremičnin 3,5 %","Land register entry 1.1%":"Vpis v zemljiško knjigo 1,1 %","Mortgage registration 1.2% of the loan":"Vpis hipoteke 1,2 % kredita","Contract and trustee incl. VAT (estimate, about 1.8%)":"Pogodba in skrbnik z DDV (ocena, približno 1,8 %)","IMT transfer tax (IMT Jovem, own permanent home, 35 or under)":"Davek na promet IMT (IMT Jovem, lastni stalni dom, do 35 let)","IMT transfer tax (own permanent home, mainland)":"Davek na promet IMT (lastni stalni dom, celina)","Stamp duty 0.8%":"Kolkovina 0,8 %","Deed and registration (estimate)":"Listina in vpis (ocena)","Stamp duty (1% to €1m, 2% to €1.5m, 6% above)":"Kolkovina (1 % do 1 mio €, 2 % do 1,5 mio €, 6 % nad tem)","Solicitor and searches incl. VAT (estimate)":"Odvetnik in poizvedbe z DDV (ocena)","Stamp duty 5% (first-time buyer: first €200,000 exempt)":"Kolkovina 5 % (prvi kupec: prvih 200.000 € oproščenih)","Stamp duty 5%":"Kolkovina 5 %","Notary, searches and registration (estimate, about 1.5%)":"Notar, poizvedbe in vpis (ocena, približno 1,5 %)","Transfer fees 3% / 5% / 8%, halved (resale, no VAT)":"Prenosne pristojbine 3 % / 5 % / 8 %, prepolovljene (preprodaja, brez DDV)","Stamp duty on the contract (0.15% / 0.2%, max €20,000)":"Kolkovina na pogodbo (0,15 % / 0,2 %, največ 20.000 €)","Lawyer (estimate, about 1%)":"Odvetnik (ocena, približno 1 %)","Deed registration DKK 1,850 + 0.6%":"Vpis listine 1.850 DKK + 0,6 %","Mortgage registration DKK 1,825 + 1.25% of the loan":"Vpis hipoteke 1.825 DKK + 1,25 % kredita","Buyer’s adviser (estimate)":"Svetovalec kupca (ocena)","Title registration 1.5% + SEK 825":"Vpis lastništva 1,5 % + 825 SEK","New mortgage deeds 2% of the loan + SEK 375":"Nove hipotekarne listine 2 % kredita + 375 SEK","Tenant-owner flat: no title registration or mortgage-deed tax":"Zadružno stanovanje: brez vpisa lastništva ali davka na hipotekarne listine","Pledge fee to the housing association (estimate)":"Pristojbina za zastavo stanovanjskemu združenju (ocena)","Document duty 2.5% (not for co-op flats or new builds)":"Dajatev na listine 2,5 % (ne za zadružna stanovanja ali novogradnje)","Registration fees, deed and mortgage":"Registracijske pristojbine, listina in hipoteka","Transfer tax 3% (real property)":"Davek na promet 3 % (nepremičnina)","Transfer tax 1.5% (housing-company flat)":"Davek na promet 1,5 % (stanovanje v stanovanjski družbi)","19% of the interest, up to €4,000 of interest a year (main home)":"19 % obresti, do 4.000 € obresti na leto (glavni dom)","Interest minus the notional rental value (0.35% of the home’s value), deducted at your rate, at most 37.56%":"Obresti minus namišljena najemna vrednost (0,35 % vrednosti doma), odbite po tvoji stopnji, največ 37,56 %","Interest deductible up to €2,000 a year per household member in the first five years (€1,500 years 6–10, €1,000 after)":"Obresti odbitne do 2.000 € na leto na člana gospodinjstva v prvih petih letih (1.500 € v letih 6–10, 1.000 € pozneje)","Negative capital income: worth about 33% of the interest up to DKK 50,000 and about 25% above":"Negativni kapitalski dohodek: vreden približno 33 % obresti do 50.000 DKK in približno 25 % nad tem","Tax reduction of 30% of the interest up to SEK 100,000 and 21% above":"Davčno znižanje 30 % obresti do 100.000 SEK in 21 % nad tem","Interest is deductible from ordinary income, worth 22%":"Obresti se odbijejo od običajnega dohodka, vredno 22 %","No tax relief on mortgage interest for new loans.":"Za nove kredite ni davčne olajšave za obresti.","No relief for new loans (the interest credit ended in 2013).":"Za nove kredite ni olajšave (olajšava za obresti je prenehala leta 2013).","No relief for homes bought from 2013 (older purchases keep the transitional deduction).":"Ni olajšave za stanovanja, kupljena od 2013 (starejši nakupi obdržijo prehodni odbitek).","No relief: the interest credit ended for homes bought from 2011.":"Ni olajšave: olajšava za obresti je prenehala za stanovanja, kupljena od 2011.","No regional relief for new loans (Flanders since 2020, Brussels since 2017, Wallonia since 2025).":"Za nove kredite ni regionalne olajšave (Flandrija od 2020, Bruselj od 2017, Valonija od 2025).","No relief for new loans (the housing special-expense deduction ended in 2016).":"Za nove kredite ni olajšave (odbitek stanovanjskih posebnih izdatkov je prenehal leta 2016).","No relief for loans taken from 2012.":"Ni olajšave za kredite, najete od 2012.","No relief: mortgage interest relief ended (the temporary 2023–2024 relief has expired).":"Ni olajšave: olajšava za obresti stanovanjskih kreditov je prenehala (začasna olajšava 2023–2024 je potekla).","No relief: the deduction was phased out and ended in 2023.":"Ni olajšave: odbitek je bil postopno odpravljen in je prenehal leta 2023.","No relief for owner-occupiers.":"Ni olajšave za lastnike, ki v stanovanju živijo.","Bank of Greece, binding since January 2025; 10% of new loans each quarter may exceed the limits.":"Bank of Greece, zavezujoče od januarja 2025; 10 % novih kreditov vsako četrtletje lahko preseže omejitve.","No borrower-based limits are active; banks usually lend up to 80–100% of the value after their own affordability check.":"Omejitve na strani kreditojemalca niso aktivne; banke po lastni presoji kreditne sposobnosti običajno posodijo do 80–100 % vrednosti.","No borrower-based limits are active; banks usually lend up to 80% of the value (more with the public first-home guarantee for young buyers).":"Omejitve na strani kreditojemalca niso aktivne; banke običajno posodijo do 80 % vrednosti (več z javnim jamstvom za prvo stanovanje za mlade kupce).","No borrower-based limits are active; banks usually lend up to 80% of the value for a main home.":"Omejitve na strani kreditojemalca niso aktivne; banke za glavni dom običajno posodijo do 80 % vrednosti.","Bank of England: no more than 15% of a lender’s new mortgages may be at 4.5 times income or more (the regulators are consulting on changes in 2026).":"Bank of England: največ 15 % novih stanovanjskih kreditov posojilodajalca je lahko pri 4,5-kratniku dohodka ali več (regulatorji se v 2026 posvetujejo o spremembah).","HCSF, binding: payments incl. insurance at most 35% of net income and at most 25 years (27 with a deferral for works); 20% of new loans may exceed.":"HCSF, zavezujoče: obroki z zavarovanjem največ 35 % neto dohodka in največ 25 let (27 z odlogom za dela); 20 % novih kreditov lahko preseže.","Loan at most 100% of the home’s value; the amount you can borrow is also capped by the income-based lending standards (Nibud), not modelled here. Interest is deductible only on loans repaid within 30 years.":"Kredit največ 100 % vrednosti doma; znesek, ki si ga lahko izposodiš, omejujejo tudi dohodkovni standardi kreditiranja (Nibud), ki tu niso upoštevani. Obresti so odbitne samo za kredite, odplačane v 30 letih.","National Bank of Belgium expectations: up to 90% of the value for an own home (first-time buyers may go higher within a tolerance), 80% for buy-to-let.":"Pričakovanja Nacionalne banke Belgije: do 90 % vrednosti za lastni dom (prvi kupci lahko v okviru tolerance več), 80 % za oddajanje.","CSSF, binding: 100% for first-time buyers of a main home, 90% for other main homes (15% of loans may go to 100%), 80% for other homes.":"CSSF, zavezujoče: 100 % za prve kupce glavnega doma, 90 % za druge glavne domove (15 % kreditov lahko doseže 100 %), 80 % za druge nepremičnine.","FMA: the 90% / 40% / 35-year limits became non-binding guidance from July 2025.":"FMA: omejitve 90 % / 40 % / 35 let so od julija 2025 nezavezujoče smernice.","Banco de Portugal Recommendation 1/2026 (from August 2026): 90% of the value, payments at most 45% of net income with the rate raised 1.5 points, at most 40 years up to age 35 and 35 years after. A state guarantee lets young buyers borrow more.":"Priporočilo Banco de Portugal 1/2026 (od avgusta 2026): 90 % vrednosti, obroki največ 45 % neto dohodka ob obrestni meri, zvišani za 1,5 točke, največ 40 let do 35. leta in 35 let pozneje. Državno jamstvo mladim kupcem omogoča večji kredit.","Central Bank of Ireland: 90% of the value, 4 times gross income for first-time buyers and 3.5 for others; 15% of loans may exceed.":"Central Bank of Ireland: 90 % vrednosti, 4-kratnik bruto dohodka za prve kupce in 3,5 za druge; 15 % kreditov lahko preseže.","Central Bank of Malta: 90% for first-time buyers and main homes (75% otherwise), stressed payments at most 40% of income with the rate raised 1.5 points, at most 40 years (25 otherwise) or retirement age.":"Central Bank of Malta: 90 % za prve kupce in glavne domove (sicer 75 %), obremenjeni obroki največ 40 % dohodka ob obrestni meri, zvišani za 1,5 točke, največ 40 let (sicer 25) ali do upokojitvene starosti.","Central Bank of Cyprus: 80% of the value for a main home (70% otherwise), payments at most 80% of net disposable income.":"Central Bank of Cyprus: 80 % vrednosti za glavni dom (sicer 70 %), obroki največ 80 % neto razpoložljivega dohodka.","At least 5% down payment; above 4 times gross income lenders require extra wealth (Danish FSA). Mortgage-bank loans cover up to 80%, the rest is a bank loan.":"Najmanj 5 % pologa; nad 4-kratnikom bruto dohodka posojilodajalci zahtevajo dodatno premoženje (danski FSA). Krediti hipotekarnih bank pokrijejo do 80 %, ostalo je bančni kredit.","Mortgage cap 90% (law from April 2026). Repayment at least 2% a year above 70% of the value and 1% between 50% and 70%.":"Zgornja meja kredita 90 % (zakon od aprila 2026). Odplačilo najmanj 2 % na leto nad 70 % vrednosti in 1 % med 50 % in 70 %.","Lending regulation: 90% of the value, total debt at most 5 times gross income, must afford a 3-point rate rise; above 60% repay at least 2.5% a year.":"Ureditev kreditiranja: 90 % vrednosti, skupni dolg največ 5-kratnik bruto dohodka, zmožnost prenesti dvig obrestne mere za 3 točke; nad 60 % odplačilo najmanj 2,5 % na leto.","FIN-FSA: 95% for first-time buyers and 90% for others; stressed payments (6% rate, 25 years) at most 60% of income; at most 30 years.":"FIN-FSA: 95 % za prve kupce in 90 % za druge; obremenjeni obroki (6 % obrestna mera, 25 let) največ 60 % dohodka; največ 30 let.","Buying costs in {c}":"Stroški nakupa ({c})","Total buying costs":"Skupni stroški nakupa","of the price":"cene","Cash needed upfront (down payment + costs)":"Potreben gotovinski znesek vnaprej (polog + stroški)","Loan-to-value":"Razmerje kredit/vrednost","at most {p}":"največ {p}","yours {p}":"tvoje {p}","Payment as a share of net income":"Obrok kot delež neto dohodka","Payment at 6% over 25 years, share of net income":"Obrok pri 6 % v 25 letih, delež neto dohodka","Payment with the rate {d} points higher, share of net income":"Obrok pri obrestni meri, višji za {d} točke, delež neto dohodka","Loan as a multiple of gross yearly pay":"Kredit kot večkratnik bruto letne plače","at most {x}×":"največ {x}×","yours {x}×":"tvoje {x}×","Loan term":"Doba kredita","at most {y} years":"največ {y} let","yours {y} years":"tvoje {y} let","Minimum repayment":"Najmanjše odplačilo","2% of the loan a year":"2 % kredita na leto","1% of the loan a year":"1 % kredita na leto","none below 50% of the value":"nič pod 50 % vrednosti","2.5% of the loan a year (or a 30-year annuity)":"2,5 % kredita na leto (ali 30-letna anuiteta)","none below 60% of the value":"nič pod 60 % vrednosti","Lending limits in {c}":"Omejitve kreditiranja ({c})","No official limits":"Ni uradnih omejitev","Guidance (not legally binding)":"Smernice (pravno nezavezujoče)","Binding rules":"Zavezujoča pravila","as a first-time buyer / main home":"kot prvi kupec / glavni dom","as a repeat buyer":"kot ponovni kupec","Tax relief on interest":"Davčna olajšava za obresti","about {v} in the first year ({m} a month), so the payment effectively costs {p} a month.":"približno {v} v prvem letu ({m} na mesec), zato obrok dejansko stane {p} na mesec.","Sources: {s}. Fees marked as estimates vary by provider and region.":"Viri: {s}. Pristojbine, označene kot ocene, se razlikujejo po izvajalcu in regiji.","Wealth if you buy, after {n} years":"Premoženje ob nakupu, po {n} letih","home value minus loan and selling costs, plus savings":"vrednost doma minus kredit in stroški prodaje, plus prihranki","Wealth if you rent and invest":"Premoženje ob najemu in vlaganju","the upfront cash and any monthly difference, invested":"vnaprejšnji gotovinski znesek in morebitna mesečna razlika, vložena","Buying ahead by {v}":"Nakup v prednosti za {v}","Renting ahead by {v}":"Najem v prednosti za {v}","buying pulls ahead from year {y}":"nakup prevzame prednost od leta {y}","buying does not pull ahead within {n} years":"nakup v {n} letih ne prevzame prednosti","Buy":"Nakup","Rent and invest":"Najem in vlaganje","How it works: both choices spend the same each month. The buyer pays the loan, the other housing costs and upkeep ({u} of the value a year), minus any interest relief; the renter pays rent rising {g} a year. Whoever spends less in a month invests the difference at {r} a year, and the renter also invests the cash the buyer needed upfront. The home grows {p} a year and selling costs {s} are deducted at the end. Taxes on investment returns and on a future sale are not included; this is a comparison under your assumptions, not advice.":"Kako deluje: obe izbiri porabita vsak mesec enako. Kupec plačuje kredit, druge stanovanjske stroške in vzdrževanje ({u} vrednosti na leto), minus morebitno olajšavo za obresti; najemnik plačuje najemnino, ki raste za {g} na leto. Kdor v mesecu porabi manj, razliko vloži po {r} na leto, najemnik pa vloži tudi gotovino, ki jo je kupec potreboval vnaprej. Dom raste za {p} na leto, stroški prodaje {s} se odštejejo na koncu. Davki na donose naložb in na prihodnjo prodajo niso vključeni; to je primerjava po tvojih predpostavkah, ne nasvet.","How it works: interest is charged every month on the remaining balance at the rate you enter. With equal monthly payments the payment stays the same and the capital part grows; with equal capital the payment starts higher and falls. Extra repayments go straight to the capital. The rate is your assumption, not an offer: compare real offers.":"Kako deluje: obresti se vsak mesec obračunajo na preostalo stanje po vneseni obrestni meri. Pri enakih mesečnih obrokih obrok ostaja enak, del glavnice pa raste; pri enaki glavnici je obrok sprva višji in se znižuje. Dodatna odplačila gredo neposredno v glavnico. Obrestna mera je tvoja predpostavka, ne ponudba: primerjaj dejanske ponudbe.","Monthly RETA quota by computable net yield (profit less a 7% generic deduction): from about €206 (up to €670/month) to €607 (above €6,000/month) in 2026, the 2025 minimum bases extended at 31.5% including the 0.9% intergenerational equity charge (MEI). IRPF on profit with the same scale, 5% hard-to-justify expenses (max €2,000), no work-income reduction.":"Mesečna kvota RETA po izračunljivem neto donosu (dobiček minus 7 % splošnega odbitka): od približno 206 € (do 670 €/mesec) do 607 € (nad 6.000 €/mesec) v 2026, minimalne osnove 2025, podaljšane po 31,5 % z dajatvijo za medgeneracijsko pravičnost 0,9 % (MEI). IRPF od dobička po isti lestvici, 5 % težko dokazljivih stroškov (največ 2.000 €), brez znižanja dohodka iz dela.","St Francis of Assisi":"Sv. Frančišek Asiški","Public holidays on weekdays in 2026":"Prazniki na delovne dni v 2026","Legal minimum annual leave in 2026, 5-day week":"Zakonski minimum letnega dopusta v 2026, 5-dnevni teden","Annual leave after 10 years with the employer, 5-day week":"Letni dopust po 10 letih pri delodajalcu, 5-dnevni teden","2008 rules: income tax + employee contributions at the average wage (€23,850)":"Pravila 2008: dohodnina + prispevki zaposlenega pri povprečni plači (23.850 €)","2017 rules: income tax + employee contributions at the average wage (€19,859)":"Pravila 2017: dohodnina + prispevki zaposlenega pri povprečni plači (19.859 €)","2021 rules: income tax + employee contributions at the average wage (€20,057)":"Pravila 2021: dohodnina + prispevki zaposlenega pri povprečni plači (20.057 €)","2024 rules: income tax + employee contributions at the average wage (€25,680)":"Pravila 2024: dohodnina + prispevki zaposlenega pri povprečni plači (25.680 €)","Employer notice after 12 years (months)":"Odpovedni rok delodajalca po 12 letih (meseci)","Employer notice after 20 years (months)":"Odpovedni rok delodajalca po 20 letih (meseci)","Objective dismissal after 10 years at €30,000 a year":"Odpoved iz objektivnih razlogov po 10 letih pri 30.000 € na leto","Unfair dismissal cap for service from 2012 (days)":"Zgornja meja za nezakonito odpoved za delovno dobo od 2012 (dnevi)","Unfair dismissal with 20 years before 2012 (days)":"Nezakonita odpoved z 20 leti pred 2012 (dnevi)","Transfer tax on €200,000":"Davek na promet na 200.000 €","Transfer tax (ITP) on a €300,000 resale home in Madrid":"Davek na promet (ITP) na dom za 300.000 € v preprodaji v Madridu","Transfer tax + land register fee on €300,000":"Davek na promet + pristojbina za zemljiško knjigo na 300.000 €","Transfer tax on a €200,000 housing-company flat":"Davek na promet na stanovanje v stanovanjski družbi za 200.000 €","Document duty on NOK 4,000,000":"Dajatev na listine na 4.000.000 NOK","Transfer fees on a €200,000 resale home":"Prenosne pristojbine na dom za 200.000 € v preprodaji","RETA quota for €18,000 net profit a year":"Kvota RETA za 18.000 € neto dobička na leto","Health + care insurance at the minimum base, childless, age 30":"Zdravstveno + negovalno zavarovanje pri minimalni osnovi, brez otrok, starost 30","tax, contributions, net pay, state and private pensions, termination, benefits, home buying, leave, freelance":"davek, prispevki, neto plača, državne in zasebne pokojnine, prenehanje zaposlitve, prejemki, nakup stanovanja, dopust, samozaposlitev","Micro-entrepreneur contributions on €40,000 of service fees (BNC)":"Prispevki mikropodjetnika na 40.000 € honorarjev za storitve (BNC)","5 weeks (25 working days) a year under the Holiday Act, earned at 2.08 days a month, with 12.5% holiday pay or full pay plus a 1% supplement. Many agreements add 5 extra holiday days (feriefridage). Great Prayer Day was abolished in 2024. Constitution Day (5 June) is not a public holiday by law, but many agreements give a full or half day off.":"5 tednov (25 delovnih dni) na leto po zakonu o dopustu, pridobljenih po 2,08 dneva na mesec, z 12,5 % regresa ali polno plačo in 1 % dodatkom. Številne pogodbe dodajo 5 dodatnih prostih dni (feriefridage). Veliki molitveni dan je bil odpravljen leta 2024. Dan ustave (5. junij) po zakonu ni praznik, vendar številne pogodbe dajo cel ali pol prostega dne.","Private pension (PGBL/VGBL) payout tax after 10 years, regressive table":"Davek na izplačilo zasebne pokojnine (PGBL/VGBL) po 10 letih, regresivna tabela","PGBL deduction limit for R$60,000 of taxable income":"Omejitev odbitka PGBL za 60.000 R$ obdavčljivega dohodka","New York mansion tax on a $1,200,000 home":"Newyorški davek na razkošne nepremičnine za dom za 1.200.000 $","ITBI on a R$500,000 home in São Paulo":"ITBI na dom za 500.000 R$ v São Paulu","California":"Kalifornija","California SDI 1.3%":"California SDI 1,3 %","New York":"New York","NY Paid Family Leave 0.432% (max $411.91) + disability $0.60 a week":"NY Paid Family Leave 0,432 % (največ 411,91 $) + invalidnost 0,60 $ na teden","Texas (no state income tax)":"Teksas (brez državne dohodnine)","Florida (no state income tax)":"Florida (brez državne dohodnine)","Washington (no state income tax)":"Washington (brez državne dohodnine)","WA Cares long-term care 0.58%":"WA Cares dolgotrajna oskrba 0,58 %","WA Paid Family and Medical Leave 0.81%":"WA Paid Family and Medical Leave 0,81 %","Illinois":"Illinois","Pennsylvania":"Pensilvanija","PA unemployment 0.07%":"PA brezposelnost 0,07 %","Ohio":"Ohio","Georgia":"Georgia","North Carolina":"Severna Karolina","Michigan":"Michigan","New Jersey":"New Jersey","NJ unemployment, disability and family leave insurance":"NJ zavarovanje za brezposelnost, invalidnost in družinski dopust","Massachusetts":"Massachusetts","MA Paid Family and Medical Leave 0.46%":"MA Paid Family and Medical Leave 0,46 %","Virginia":"Virginija","Arizona":"Arizona","Colorado":"Kolorado","Another state (federal taxes only)":"Druga zvezna država (samo zvezni davki)","Social Security 6.2% (up to $184,500)":"Social Security 6,2 % (do 184.500 $)","Medicare 1.45% (+0.9% above $200,000)":"Medicare 1,45 % (+0,9 % nad 200.000 $)","Federal income tax":"Zvezna dohodnina","Refundable Child Tax Credit":"Vračljiva davčna olajšava za otroke","Standard deduction (federal)":"Standardni odbitek (zvezni)","Overtime deduction (2025–2028)":"Odbitek za nadure (2025–2028)","Child Tax Credit ($2,200 per child)":"Child Tax Credit (2.200 $ na otroka)","Self-employment tax 15.3% (Social Security + Medicare)":"Davek samozaposlenih 15,3 % (Social Security + Medicare)","State":"Zvezna država","Maximum weekly benefit":"Najvišje tedensko nadomestilo","Weeks":"Tedni","None by law":"Po zakonu nič","at-will employment; 60 days for mass layoffs (WARN Act)":"zaposlitev po volji (at will); 60 dni pri množičnih odpuščanjih (WARN Act)","United States":"Združene države","Filing status":"Davčni status","Married filing jointly (one income)":"Zakonca, skupna napoved (en dohodek)","Head of household (single parent)":"Vodja gospodinjstva (enostarševska družina)","I live in New York City (city income tax)":"Živim v New Yorku (mestna dohodnina)","Employer match (% of what you put in)":"Ujemanje delodajalca (% tega, kar vplačaš)","Matched up to (% of salary)":"Ujemanje do (% plače)","Account type":"Vrsta računa","Traditional 401(k): tax relief now, taxed when paid out":"Tradicionalni 401(k): davčna olajšava zdaj, obdavčeno ob izplačilu","Roth 401(k): no relief now, tax-free when paid out":"Roth 401(k): brez olajšave zdaj, neobdavčeno ob izplačilu","Your tax rate in retirement %":"Tvoja davčna stopnja v pokoju %","Company severance: weeks of pay per year (0 if none)":"Odpravnina podjetja: tedenske plače na leto (0, če je ni)","Federal income tax 2026":"Zvezna dohodnina 2026","10% to 37% in seven brackets; for a single filer 10% up to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above (joint brackets are twice as wide up to 32%). Standard deduction $16,100 single, $32,200 joint, $24,150 head of household. Child Tax Credit $2,200 per child, up to $1,700 refundable.":"10 % do 37 % v sedmih razredih; za samsko osebo 10 % do 12.400 $, 12 % do 50.400 $, 22 % do 105.700 $, 24 % do 201.775 $, 32 % do 256.225 $, 35 % do 640.600 $ in 37 % nad tem (razredi za skupno napoved so do 32 % dvakrat širši). Standardni odbitek 16.100 $ za samsko osebo, 32.200 $ skupno, 24.150 $ za vodjo gospodinjstva. Child Tax Credit 2.200 $ na otroka, do 1.700 $ vračljivih.","Payroll taxes (FICA)":"Davki na plače (FICA)","Social Security 6.2% on pay up to $184,500 and Medicare 1.45% on all pay, plus 0.9% above $200,000. Your employer pays the same 7.65% plus federal and state unemployment tax. Some states add disability or family-leave contributions (California SDI 1.3%, New York, New Jersey, Massachusetts, Washington).":"Social Security 6,2 % na plačo do 184.500 $ in Medicare 1,45 % na vso plačo ter 0,9 % nad 200.000 $. Tvoj delodajalec plača enakih 7,65 % ter zvezni in državni davek za brezposelnost. Nekatere zvezne države dodajo prispevke za invalidnost ali družinski dopust (California SDI 1,3 %, New York, New Jersey, Massachusetts, Washington).","State income tax":"Državna dohodnina","Each state sets its own: none in Texas, Florida, Washington and six others; flat rates such as Pennsylvania 3.07%, Illinois 4.95%, North Carolina 3.99% and Georgia 4.99%; graduated rates up to 13.3% in California and 10.9% in New York (plus up to 3.876% New York City tax). Traditional 401(k) contributions lower state tax too, except in Pennsylvania.":"Vsaka zvezna država določi svojo: nič v Teksasu, na Floridi, v Washingtonu in šestih drugih; pavšalne stopnje, kot so Pensilvanija 3,07 %, Illinois 4,95 %, Severna Karolina 3,99 % in Georgia 4,99 %; progresivne stopnje do 13,3 % v Kaliforniji in 10,9 % v New Yorku (in do 3,876 % mestnega davka New Yorka). Prispevki v tradicionalni 401(k) znižajo tudi državni davek, razen v Pensilvaniji.","Non-exempt employees get at least 1.5 times their regular rate for hours over 40 in a week. There is no federal premium for nights, weekends or holidays, and no federal cap on overtime hours. Some states add daily overtime (California: over 8 hours a day, double time over 12).":"Zaposleni, ki niso izvzeti, dobijo za ure nad 40 na teden najmanj 1,5-kratnik svoje redne postavke. Zveznega dodatka za noči, vikende ali praznike ni, prav tako ne zvezne omejitve nadur. Nekatere zvezne države dodajo dnevne nadure (Kalifornija: nad 8 ur na dan, dvojna postavka nad 12).","No tax on overtime (2025–2028)":"Brez davka na nadure (2025–2028)","The premium part of FLSA overtime (the extra half) can be deducted from federal taxable income, up to $12,500 a year ($25,000 joint), phasing out above $150,000 of income ($300,000 joint). Social Security, Medicare and most state taxes still apply.":"Dodatni del nadur po FLSA (dodatna polovica) je mogoče odbiti od zvezne obdavčljive osnove, do 12.500 $ na leto (25.000 $ skupno), s postopnim zmanjševanjem nad 150.000 $ dohodka (300.000 $ skupno). Social Security, Medicare in večina državnih davkov se še vedno plačajo.","No federal limit":"Brez zvezne omejitve","Self-employment tax 15.3% (12.4% Social Security up to $184,500 + 2.9% Medicare) on 92.35% of net profit; half of it is deductible. The qualified business income deduction takes 20% off taxable income below $201,750 ($403,500 joint). Estimated tax is paid quarterly. State income tax applies as for employees.":"Davek samozaposlenih 15,3 % (12,4 % Social Security do 184.500 $ + 2,9 % Medicare) na 92,35 % neto dobička; polovica je odbitna. Odbitek za kvalificiran poslovni dohodek odšteje 20 % od obdavčljivega dohodka pod 201.750 $ (403.500 $ skupno). Ocenjeni davek se plačuje četrtletno. Državna dohodnina velja kot za zaposlene.","Social Security":"Social Security","Based on your best 35 years of earnings (up to the taxable maximum), indexed to wages: 90% of the first $1,286 of average monthly earnings, 32% up to $7,749 and 15% above (2026). Full retirement age is 67 for people born in 1960 or later; claiming at 62 pays 70%, waiting to 70 pays 124%. You need 40 credits ($1,890 of earnings per credit in 2026, up to 4 a year).":"Na podlagi tvojih najboljših 35 let zaslužka (do obdavčljivega maksimuma), indeksiranih s plačami: 90 % prvih 1.286 $ povprečnega mesečnega zaslužka, 32 % do 7.749 $ in 15 % nad tem (2026). Polna upokojitvena starost je 67 za rojene leta 1960 ali pozneje; uveljavitev pri 62 prinese 70 %, čakanje do 70 pa 124 %. Potrebuješ 40 kreditov (1.890 $ zaslužka na kredit v 2026, do 4 na leto).","Tax and Medicare":"Davek in Medicare","Up to 85% of benefits can be taxed if other income is high; with Social Security alone most retirees pay no federal tax. From 65 the Medicare Part B premium ($202.90 a month in 2026) is usually deducted from the benefit. Benefits rose 2.8% in 2026.":"Do 85 % prejemkov je lahko obdavčenih, če so drugi dohodki visoki; samo s Social Security večina upokojencev ne plača zveznega davka. Od 65. leta se od prejemka običajno odšteje premija Medicare Part B (202,90 $ na mesec v 2026). Prejemki so se v 2026 zvišali za 2,8 %.","401(k): you choose a share of your pay; many employers match part of it (often 50% of up to 6% of salary). Traditional contributions are taken before income tax and taxed when withdrawn; Roth contributions are taxed now and withdrawn tax-free. Withdrawals usually start from 59½, and required minimum distributions from 73.":"401(k): izbereš delež plače; veliko delodajalcev del tega dopolni (pogosto 50 % do 6 % plače). Tradicionalni prispevki se odtegnejo pred dohodnino in obdavčijo ob dvigu; prispevki Roth se obdavčijo zdaj in dvignejo neobdavčeno. Dvigi se običajno začnejo pri 59½, obvezna minimalna izplačila pri 73.","Martin Luther King Jr. Day":"Dan Martina Luthra Kinga","Washington’s Birthday":"Washingtonov rojstni dan","Memorial Day":"Dan spomina","Juneteenth":"Juneteenth","Labor Day":"Praznik dela","Columbus Day":"Kolumbov dan","Veterans Day":"Dan veteranov","Thanksgiving Day":"Zahvalni dan","No federal law requires paid vacation or paid holidays in the private sector; they come from your employer (11 days after a year of service is typical). The 11 federal holidays are shown, moved to Friday or Monday when they fall on a weekend. Some states require paid sick days, and a few pay family leave.":"Noben zvezni zakon ne zahteva plačanega dopusta ali praznikov v zasebnem sektorju; dajo jih delodajalci (običajno 11 dni po letu delovne dobe). Prikazanih je 11 zveznih praznikov, prestavljenih na petek ali ponedeljek, ko padejo na vikend. Nekatere zvezne države zahtevajo plačane bolniške dni, nekaj jih plača družinski dopust.","8 weeks of state Paid Family Leave at 70–90% of pay":"8 tednov državnega Paid Family Leave s 70–90 % plače","12 weeks of state Paid Family Leave at 67% of pay (capped)":"12 tednov državnega Paid Family Leave s 67 % plače (omejeno)","12 weeks of state Family Leave Insurance at 85% of pay (capped)":"12 tednov državnega Family Leave Insurance s 85 % plače (omejeno)","12 weeks of state Paid Family Leave (up to 26 with medical leave)":"12 tednov državnega Paid Family Leave (do 26 z zdravstvenim dopustom)","12 weeks of state Paid Family Leave (up to 90% of pay, capped)":"12 tednov državnega Paid Family Leave (do 90 % plače, omejeno)","12 weeks of state FAMLI paid leave (up to 90% of pay, capped)":"12 tednov državnega plačanega dopusta FAMLI (do 90 % plače, omejeno)","Family and Medical Leave Act (FMLA)":"Family and Medical Leave Act (FMLA)","12 weeks a year for a birth, adoption or serious illness (employers with 50+ staff, after 12 months)":"12 tednov na leto ob rojstvu, posvojitvi ali hudi bolezni (delodajalci s 50+ zaposlenimi, po 12 mesecih)","State paid family leave":"Državni plačani družinski dopust","Not available in this state":"V tej zvezni državi ni na voljo","Paid by the state fund":"Plača državni sklad","Paid sick leave":"Plačani bolniški dopust","No federal right; many states require 40 hours or more a year (California, New York, New Jersey, Massachusetts, Washington, Arizona, Illinois, Michigan, Colorado)":"Zvezne pravice ni; veliko zveznih držav zahteva 40 ur ali več na leto (Kalifornija, New York, New Jersey, Massachusetts, Washington, Arizona, Illinois, Michigan, Kolorado)","Full pay where required":"Polna plača, kjer je zahtevano","Pregnancy and nursing":"Nosečnost in dojenje","Reasonable accommodations and break time to express milk for a year (Pregnant Workers Fairness Act, PUMP Act)":"Razumne prilagoditve in odmori za izčrpavanje mleka eno leto (Pregnant Workers Fairness Act, PUMP Act)","Breaks usually unpaid":"Odmori običajno neplačani","Laid off or dismissed (not for misconduct)":"Odpuščen ali razrešen (ne zaradi kršitve)","At-will employment":"Zaposlitev po volji (at will)","In almost every state either side can end the job at any time without notice or a reason (but not for a discriminatory or retaliatory reason). There is no legal severance; many employers pay 1–2 weeks per year of service in exchange for a release. The WARN Act requires 60 days’ notice for mass layoffs at employers with 100+ staff.":"V skoraj vseh zveznih državah lahko katerakoli stran zaposlitev kadarkoli konča brez odpovednega roka ali razloga (vendar ne iz diskriminatornih ali maščevalnih razlogov). Zakonske odpravnine ni; veliko delodajalcev v zameno za odpoved zahtevkom plača 1–2 tedna na leto delovne dobe. WARN Act zahteva 60-dnevni odpovedni rok za množična odpuščanja pri delodajalcih s 100+ zaposlenimi.","Unemployment insurance":"Zavarovanje za brezposelnost","Run by each state: usually about half of your previous weekly pay up to a state maximum (from $275 in Florida to $1,152 in Washington in 2026), for up to 26 weeks (12 in Florida and North Carolina, 14 in Georgia). Benefits are taxable income. Not after quitting without good cause.":"Upravlja ga vsaka zvezna država: običajno približno polovica prejšnje tedenske plače do državnega maksimuma (od 275 $ na Floridi do 1.152 $ v Washingtonu v 2026), do 26 tednov (12 na Floridi in v Severni Karolini, 14 v Georgii). Prejemki so obdavčljiv dohodek. Ne po odhodu brez utemeljenega razloga.","Final pay and health cover":"Končno plačilo in zdravstveno kritje","Some states (such as California, Colorado, Illinois and Massachusetts) require unused vacation to be paid out. COBRA lets you keep your employer health plan for up to 18 months at your own cost.":"Nekatere zvezne države (npr. Kalifornija, Kolorado, Illinois in Massachusetts) zahtevajo izplačilo neizrabljenega dopusta. COBRA omogoča, da zdravstveni načrt delodajalca na lastne stroške obdržiš do 18 mesecev.","A traditional 401(k) contribution lowers both federal and state income tax; take at least the full employer match, it is an instant return.":"Prispevek v tradicionalni 401(k) zniža zvezno in državno dohodnino; izkoristi vsaj celotno ujemanje delodajalca, to je takojšen donos.","If you are paid FLSA overtime, its premium half is deductible from federal income tax until 2028 (up to $12,500).":"Če prejemaš nadure po FLSA, je njihova dodatna polovica do 2028 odbitna od zvezne dohodnine (do 12.500 $).","The Child Tax Credit ($2,200 per child) is included in the tax above; there is no separate monthly child benefit. Married couples usually file jointly with brackets twice as wide.":"Child Tax Credit (2.200 $ na otroka) je vključen v zgornji davek; ločenega mesečnega otroškega dodatka ni. Zakonca običajno oddata skupno napoved z dvakrat širšimi razredi.","No legal severance (at-will employment)":"Brez zakonske odpravnine (zaposlitev po volji)","12 weeks unpaid (FMLA); paid in some states":"12 tednov neplačano (FMLA); v nekaterih zveznih državah plačano","12 weeks unpaid (FMLA)":"12 tednov neplačano (FMLA)","No federal paid leave":"Brez zveznega plačanega dopusta","No federal right; many states require 40 hours":"Zvezne pravice ni; veliko zveznih držav zahteva 40 ur","Annual federal and state tax for one employee with the standard deduction, before any pre-tax health insurance. Local income taxes other than New York City (for example in Pennsylvania, Ohio and Michigan cities), itemised deductions, the AMT and state credits are not modelled; payroll withholding can differ from the tax on your return.":"Letni zvezni in državni davek za enega zaposlenega s standardnim odbitkom, pred morebitnim zdravstvenim zavarovanjem pred davkom. Lokalne dohodnine razen newyorške (npr. v mestih Pensilvanije, Ohia in Michigana), posamični odbitki, AMT in državne olajšave niso upoštevani; odtegljaj pri plači se lahko razlikuje od davka v napovedi.","Official sources: IRS (Rev. Proc. 2025-32, Notice 2025-67), Social Security Administration (2026 COLA fact sheet), US Department of Labor (FLSA, state unemployment insurance laws), state tax agencies (FTB/EDD California, NY DTF, NJ Treasury, Massachusetts DOR).":"Uradni viri: IRS (Rev. Proc. 2025-32, Notice 2025-67), Social Security Administration (pregled COLA 2026), US Department of Labor (FLSA, državni zakoni o zavarovanju za brezposelnost), državne davčne agencije (FTB/EDD Kalifornija, NY DTF, NJ Treasury, Massachusetts DOR).","Federal income tax, single, $60,000 of wages":"Zvezna dohodnina, samska oseba, 60.000 $ plače","Federal income tax, married filing jointly, $120,000":"Zvezna dohodnina, zakonca s skupno napovedjo, 120.000 $","California income tax, single, $80,000 of wages":"Kalifornijska dohodnina, samska oseba, 80.000 $ plače","Overtime deduction for $20,000 of overtime premium, income $200,000 (single)":"Odbitek za nadure za 20.000 $ dodatka za nadure, dohodek 200.000 $ (samska oseba)","Employee Social Security + Medicare on $200,000":"Social Security + Medicare zaposlenega na 200.000 $","New York Paid Family Leave, maximum per year":"New York Paid Family Leave, največ na leto","Primary insurance amount for average indexed earnings of $5,000 a month":"Osnovni zavarovalni znesek za povprečni indeksirani zaslužek 5.000 $ na mesec","Benefit when claiming at 62 (full retirement age 67)":"Prejemek ob uveljavitvi pri 62 (polna upokojitvena starost 67)","401(k) employee limit at age 45":"Omejitev 401(k) za zaposlenega pri 45 letih","401(k) employee limit at age 61 (super catch-up)":"Omejitev 401(k) za zaposlenega pri 61 letih (super catch-up)","Self-employment tax on $50,000 net profit":"Davek samozaposlenih na 50.000 $ neto dobička","Maximum weekly unemployment benefit, California":"Najvišje tedensko nadomestilo za brezposelnost, Kalifornija","Maximum weekly unemployment benefit, New York":"Najvišje tedensko nadomestilo za brezposelnost, New York","Child Tax Credit for 2 children, income $80,000":"Child Tax Credit za 2 otroka, dohodek 80.000 $","INSS 7.5–14% (up to R$8,475.55 a month)":"INSS 7,5–14 % (do 8.475,55 R$ na mesec)","IRRF income tax (12 monthly salaries)":"Dohodnina IRRF (12 mesečnih plač)","IRRF on the 13th salary (taxed separately)":"IRRF na 13. plačo (obdavčena ločeno)","FGTS 8% paid by your employer into your account":"FGTS 8 %, ki ga delodajalec vplača na tvoj račun","Vacation bonus of one third (paid with your holidays, taxed)":"Dodatek za dopust v višini tretjine (izplačan z dopustom, obdavčen)","Salário-família R$67.54 per child (pay up to R$1,980.38)":"Salário-família 67,54 R$ na otroka (plača do 1.980,38 R$)","MEI monthly DAS (INSS 5% of the minimum wage + ISS)":"Mesečni DAS za MEI (INSS 5 % minimalne plače + ISS)","INSS 20% for the self-employed (up to the ceiling)":"INSS 20 % za samozaposlene (do meje)","30 days + 3 per year of service, up to 90":"30 dni + 3 na leto delovne dobe, do 90","30 days (you give it)":"30 dni (daš ga ti)","Brazil":"Brazilija","Regime":"Režim","Self-employed (autônomo, carnê-leão)":"Samozaposleni (autônomo, carnê-leão)","MEI micro-entrepreneur (up to R$81,000 a year)":"Mikropodjetnik MEI (do 81.000 R$ na leto)","Progressive contribution on each slice of monthly pay: 7.5% up to R$1,621.00, 9% up to R$2,902.84, 12% up to R$4,354.27 and 14% up to the ceiling of R$8,475.55 (maximum R$988.09 a month). The 13th salary pays INSS too.":"Progresivni prispevek na vsak del mesečne plače: 7,5 % do 1.621,00 R$, 9 % do 2.902,84 R$, 12 % do 4.354,27 R$ in 14 % do meje 8.475,55 R$ (največ 988,09 R$ na mesec). Tudi 13. plača plača INSS.","Income tax (IRRF) 2026":"Dohodnina (IRRF) 2026","Monthly table: exempt up to R$2,428.80, then 7.5%, 15%, 22.5% and 27.5% above R$4,664.68, after deducting INSS and R$189.59 per dependant (or a simplified R$607.20). Since January 2026 (Lei 15.270/2025) a reduction makes taxable income up to R$5,000 a month tax-free and tapers off by R$7,350. The 13th salary is taxed separately.":"Mesečna tabela: oproščeno do 2.428,80 R$, nato 7,5 %, 15 %, 22,5 % in 27,5 % nad 4.664,68 R$, po odbitku INSS in 189,59 R$ na vzdrževano osebo (ali poenostavljenih 607,20 R$). Od januarja 2026 (Lei 15.270/2025) znižanje naredi obdavčljivi dohodek do 5.000 R$ na mesec neobdavčen in izgine do 7.350 R$. 13. plača je obdavčena ločeno.","13th salary, FGTS and employer cost":"13. plača, FGTS in strošek delodajalca","Employees get a 13th salary each December and a one-third bonus on their holiday pay. The employer deposits 8% of pay into your FGTS account and pays about 28% social contributions (20% INSS + accident insurance + third-party levies); companies in Simples Nacional pay less. Minimum wage R$1,621 a month.":"Zaposleni vsak december dobijo 13. plačo in tretjinski dodatek k nadomestilu za dopust. Delodajalec na tvoj račun FGTS vplačuje 8 % plače in plača približno 28 % socialnih prispevkov (20 % INSS + zavarovanje za nesreče + dajatve tretjim); podjetja v Simples Nacional plačajo manj. Minimalna plača 1.621 R$ na mesec.","CLT overtime":"Nadure po CLT","At least 50% extra for overtime (art. 59 CLT), at most 2 hours a day; 100% on Sundays and public holidays worked without a day off in lieu. Night work from 22:00 to 05:00 pays at least 20% extra, and a night hour counts as 52½ minutes.":"Najmanj 50 % dodatka za nadure (čl. 59 CLT), največ 2 uri na dan; 100 % ob nedeljah in praznikih, ko ni nadomestnega prostega dne. Nočno delo od 22:00 do 05:00 prinese najmanj 20 % dodatka, nočna ura pa šteje 52½ minute.","Overtime pays INSS and IRRF like normal pay and also raises your 13th salary, holiday pay and FGTS.":"Za nadure se plačata INSS in IRRF kot za običajno plačo, zvišajo pa tudi 13. plačo, nadomestilo za dopust in FGTS.","2 h / day":"2 h / dan","Autônomo and MEI":"Autônomo in MEI","A self-employed person pays INSS of 20% of earnings up to the ceiling (at most R$1,695.11 a month) and monthly income tax through carnê-leão on receipts less business expenses; municipal service tax (ISS) is not included. A MEI with revenue up to R$81,000 a year pays only a fixed monthly DAS (R$86.05 for services in 2026), which covers INSS and ISS.":"Samozaposleni plača INSS v višini 20 % zaslužka do meje (največ 1.695,11 R$ na mesec) in mesečno dohodnino prek carnê-leão od prejemkov minus poslovni stroški; občinski davek na storitve (ISS) ni vključen. MEI s prihodki do 81.000 R$ na leto plača samo fiksni mesečni DAS (86,05 R$ za storitve v 2026), ki pokrije INSS in ISS.","INSS retirement by age":"Starostna upokojitev INSS","Since the 2019 reform: age 65 for men and 62 for women, with at least 15 years of contributions (20 for men who started after November 2019). The pension is 60% of the average of all salaries since July 1994 plus 2 points per year above 20 years (men) or 15 (women), never below the minimum wage (R$1,621) or above the ceiling (R$8,475.55).":"Od reforme 2019: starost 65 za moške in 62 za ženske, z najmanj 15 leti prispevkov (20 za moške, ki so začeli po novembru 2019). Pokojnina je 60 % povprečja vseh plač od julija 1994 in 2 točki na leto nad 20 leti (moški) ali 15 (ženske), nikoli pod minimalno plačo (1.621 R$) ali nad mejo (8.475,55 R$).","Payment and tax":"Izplačilo in davek","Pensions are paid 13 times a year and rise each January with inflation (above the minimum, by INPC). From 65 an extra R$1,903.98 a month is exempt from income tax. Transition rules for people insured before the reform can give an earlier or higher pension; check Meu INSS.":"Pokojnine se izplačujejo 13-krat na leto in se vsak januar zvišajo z inflacijo (nad minimumom po INPC). Od 65. leta je dodatnih 1.903,98 R$ na mesec oproščenih dohodnine. Prehodna pravila za zavarovane pred reformo lahko dajo zgodnejšo ali višjo pokojnino; preveri Meu INSS.","Private pension (PGBL/VGBL): with the regressive tax table, payouts are taxed at 35% for money held under 2 years, falling by 5 points every two years to 10% after 10 years. Employer plans (fundos de pensão) often match part of your contribution.":"Zasebna pokojnina (PGBL/VGBL): po regresivni davčni tabeli so izplačila za denar, ki je bil v načrtu manj kot 2 leti, obdavčena s 35 %, kar vsaki dve leti pade za 5 točk do 10 % po 10 letih. Načrti delodajalcev (fundos de pensão) pogosto dopolnijo del tvojega prispevka.","New Year (Confraternização Universal)":"Novo leto (Confraternização Universal)","Good Friday (Paixão de Cristo)":"Veliki petek (Paixão de Cristo)","Tiradentes":"Tiradentes","Our Lady of Aparecida":"Gospa iz Aparecide","All Souls’ Day (Finados)":"Dan spomina na mrtve (Finados)","Proclamation of the Republic":"Razglasitev republike","Black Consciousness Day":"Dan črne zavesti","30 calendar days of paid holidays after each 12 months of work (art. 130 CLT), about 22 working days, with a one-third bonus; they can be split into up to three periods (one of at least 14 days), and up to 10 days can be sold back. The national holidays are shown; Carnival is an optional day off (ponto facultativo), and states and cities add their own holidays.":"30 koledarskih dni plačanega dopusta po vsakih 12 mesecih dela (čl. 130 CLT), približno 22 delovnih dni, s tretjinskim dodatkom; razdeliti jih je mogoče na do tri obdobja (eno najmanj 14 dni), do 10 dni pa je mogoče prodati nazaj. Prikazani so državni prazniki; pust je neobvezen prost dan (ponto facultativo), zvezne države in mesta pa dodajo svoje praznike.","120 days (180 at Empresa Cidadã employers)":"120 dni (180 pri delodajalcih Empresa Cidadã)","Full pay (salário-maternidade, INSS)":"Polna plača (salário-maternidade, INSS)","5 days in 2026 (20 at Empresa Cidadã); rising to 10 days in 2027, 15 in 2028 and 20 in 2029 under the 2026 law":"5 dni v 2026 (20 pri Empresa Cidadã); po zakonu iz 2026 se zviša na 10 dni v 2027, 15 v 2028 in 20 v 2029","Full pay":"Polna plača","Breastfeeding breaks":"Odmori za dojenje","Two 30-minute breaks a day until the baby is 6 months old":"Dva 30-minutna odmora na dan, dokler dojenček ni star 6 mesecev","First 15 days paid by the employer, then INSS sickness benefit (auxílio por incapacidade)":"Prvih 15 dni plača delodajalec, nato nadomestilo INSS za bolezen (auxílio por incapacidade)","100%, then 91% of the average salary (capped)":"100 %, nato 91 % povprečne plače (omejeno)","Justified absences":"Upravičene odsotnosti","3 days for your wedding, 2 days for a death in the family, 1 day a year for blood donation":"3 dni za lastno poroko, 2 dneva ob smrti v družini, 1 dan na leto za darovanje krvi","Dismissal without just cause":"Odpoved brez utemeljenega razloga","Mutual agreement (art. 484-A CLT)":"Sporazumno prenehanje (čl. 484-A CLT)","Notice of 30 days plus 3 days per full year of service, up to 90 days (Lei 12.506/2011), usually paid in lieu; a fine of 40% of your FGTS balance paid by the employer; the whole FGTS balance is released; pro-rata 13th salary and holidays with the one-third bonus. Unemployment insurance on top.":"Odpovedni rok 30 dni in 3 dni za vsako polno leto delovne dobe, do 90 dni (Lei 12.506/2011), običajno plačan; kazen v višini 40 % stanja FGTS, ki jo plača delodajalec; sprosti se celotno stanje FGTS; sorazmerna 13. plača in dopust s tretjinskim dodatkom. Poleg tega zavarovanje za brezposelnost.","Mutual agreement and resignation":"Sporazumno prenehanje in odpoved zaposlenega","By agreement (art. 484-A): half the notice, a 20% FGTS fine, 80% of the FGTS balance can be withdrawn, and no unemployment insurance. On resignation you give 30 days’ notice and keep only the pro-rata 13th salary and holidays.":"Po dogovoru (čl. 484-A): polovica odpovednega roka, 20 % kazni FGTS, dvig 80 % stanja FGTS in brez zavarovanja za brezposelnost. Ob lastni odpovedi daš 30-dnevni odpovedni rok in obdržiš samo sorazmerno 13. plačo in dopust.","Unemployment insurance (seguro-desemprego)":"Zavarovanje za brezposelnost (seguro-desemprego)","From the average of your last three salaries: 80% up to R$2,222.17, R$1,777.74 + 50% of the excess up to R$3,703.99, and R$2,518.65 above; never below the minimum wage. 4 payments with 12–23 months worked, 5 with 24 or more (first claim).":"Iz povprečja zadnjih treh plač: 80 % do 2.222,17 R$, 1.777,74 R$ + 50 % presežka do 3.703,99 R$ in 2.518,65 R$ nad tem; nikoli pod minimalno plačo. 4 izplačila z 12–23 meseci dela, 5 s 24 ali več (prvi zahtevek).","Between R$5,000 and R$7,350 a month the 2026 tax reduction still lowers your IRRF; above R$7,350 the normal table applies.":"Med 5.000 R$ in 7.350 R$ na mesec davčno znižanje 2026 še vedno zniža tvoj IRRF; nad 7.350 R$ velja običajna tabela.","Your FGTS (8% a month) is your money: check the balance in the FGTS app, and on dismissal without cause you also get a 40% fine on it.":"Tvoj FGTS (8 % na mesec) je tvoj denar: stanje preveri v aplikaciji FGTS, ob odpovedi brez razloga pa dobiš še 40 % kazni nanj.","Salário-família (R$67.54 per child under 14) is paid only when monthly pay is at most R$1,980.38. Spouses file separate tax returns unless one is declared a dependant.":"Salário-família (67,54 R$ na otroka do 14. leta) se izplača samo, ko je mesečna plača največ 1.980,38 R$. Zakonca oddata ločeni davčni napovedi, razen če je eden prijavljen kot vzdrževana oseba.","Notice in lieu + 40% FGTS fine":"Plačan odpovedni rok + 40 % kazni FGTS","120 days at full pay (180 at Empresa Cidadã)":"120 dni s polno plačo (180 pri Empresa Cidadã)","5 days (20 at Empresa Cidadã)":"5 dni (20 pri Empresa Cidadã)","15 days by the employer, then INSS (91%)":"15 dni delodajalec, nato INSS (91 %)","Monthly withholding for one CLT employee without other income; the annual return (declaração) can change the final tax. PLR profit sharing (taxed on its own table), alimony, health and education deductions are not modelled, and employer costs assume a company outside Simples Nacional.":"Mesečni odtegljaj za enega zaposlenega po CLT brez drugih dohodkov; letna napoved (declaração) lahko spremeni končni davek. Delitev dobička PLR (obdavčena po lastni tabeli), preživnina ter odbitki za zdravstvo in izobraževanje niso upoštevani, stroški delodajalca pa predpostavljajo podjetje zunaj Simples Nacional.","Official sources: Receita Federal (IRRF tables, Lei 15.270/2025), Ministério da Previdência Social and INSS (Portaria Interministerial MPS/MF 13/2026), Ministério do Trabalho e Emprego (seguro-desemprego 2026), Planalto (CLT, Decreto 12.797/2025 minimum wage), IBGE.":"Uradni viri: Receita Federal (tabele IRRF, Lei 15.270/2025), Ministério da Previdência Social in INSS (Portaria Interministerial MPS/MF 13/2026), Ministério do Trabalho e Emprego (seguro-desemprego 2026), Planalto (CLT, Decreto 12.797/2025 o minimalni plači), IBGE.","INSS on a R$5,000 monthly salary":"INSS na mesečno plačo 5.000 R$","Maximum monthly INSS for employees":"Najvišji mesečni INSS za zaposlene","IRRF on a R$4,000 monthly salary":"IRRF na mesečno plačo 4.000 R$","IRRF on a R$6,000 monthly salary":"IRRF na mesečno plačo 6.000 R$","Minimum INSS pension (per month)":"Najnižja pokojnina INSS (na mesec)","Pension, man, 30 years, average salary R$4,000":"Pokojnina, moški, 30 let, povprečna plača 4.000 R$","Notice after 10 years of service (days)":"Odpovedni rok po 10 letih delovne dobe (dnevi)","Unemployment insurance, average salary R$3,000 (per month)":"Zavarovanje za brezposelnost, povprečna plača 3.000 R$ (na mesec)","Maximum unemployment insurance payment":"Najvišje izplačilo zavarovanja za brezposelnost","Salário-família per child (pay up to R$1,980.38)":"Salário-família na otroka (plača do 1.980,38 R$)","MEI monthly DAS for services":"Mesečni DAS za MEI za storitve","Lender, title and settlement costs (estimate, about 3% of the loan)":"Stroški posojilodajalca, prenosa lastništva in zaključka (ocena, približno 3 % kredita)","Mortgage recording tax (New York City, 1.8% / 1.925%)":"Davek na vpis hipoteke (New York City, 1,8 % / 1,925 %)","Mortgage recording tax (about 1.05%, varies by county)":"Davek na vpis hipoteke (približno 1,05 %, odvisno od okrožja)","Mansion tax 1% (price $1 million or more)":"Davek na razkošne nepremičnine 1 % (cena 1 milijon $ ali več)","Mansion tax 1% (price above $1 million)":"Davek na razkošne nepremičnine 1 % (cena nad 1 milijonom $)","Documentary stamp tax 0.35% + intangible tax 0.2% on the mortgage":"Kolkovina na listine 0,35 % + davek na neopredmetena sredstva 0,2 % na hipoteko","Realty transfer tax, buyer’s usual half (1% state + about 1% local, split)":"Davek na promet nepremičnin, običajna polovica kupca (1 % državni + približno 1 % lokalni, deljeno)","ITBI municipal transfer tax (3% in São Paulo and Rio de Janeiro; 2–3% elsewhere)":"Občinski davek na promet ITBI (3 % v São Paulu in Riu de Janeiru; drugod 2–3 %)","Deed and land registry (escritura e registro, estimate about 1.5%)":"Listina in zemljiška knjiga (escritura e registro, ocena približno 1,5 %)","Mortgage interest on up to $750,000 of debt is deductible if you itemise; it saves tax only on the part of the interest plus state and local taxes (capped at $40,400; property tax estimated at 1.1% of the price) above your standard deduction":"Obresti stanovanjskega kredita do 750.000 $ dolga so odbitne, če uveljavljaš posamične odbitke; davek prihranijo le za del obresti ter državnih in lokalnih davkov (omejeno na 40.400 $; davek na nepremičnine ocenjen na 1,1 % cene) nad tvojim standardnim odbitkom","No tax relief on mortgage interest.":"Davčne olajšave za obresti stanovanjskega kredita ni.","No binding borrower limits. Conventional loans need at least 3% down (FHA 3.5%), with mortgage insurance below 20%; lenders usually accept total debt payments up to 43–50% of gross income. Conforming loan limit $832,750 in 2026 (up to $1,249,125 in high-cost areas).":"Zavezujočih omejitev za kreditojemalce ni. Konvencionalni krediti zahtevajo najmanj 3 % pologa (FHA 3,5 %), z zavarovanjem kredita pod 20 %; posojilodajalci običajno sprejmejo skupna odplačila dolgov do 43–50 % bruto dohodka. Meja skladnega kredita 832.750 $ v 2026 (do 1.249.125 $ na dragih območjih).","Banks finance up to 80% of the value within the SFH (Caixa often 70% for SBPE loans since 2025), and the first payment usually may not exceed 30% of gross family income. FGTS savings can pay the down payment on a first home.":"Banke v okviru SFH financirajo do 80 % vrednosti (Caixa za kredite SBPE od 2025 pogosto 70 %), prvi obrok pa običajno ne sme preseči 30 % bruto družinskega dohodka. Prihranki FGTS lahko plačajo polog za prvi dom.","Federal tax, payroll taxes and the 15 state options follow 2026 law; local income taxes outside New York City, itemised deductions and state credits are not modelled.":"Zvezni davek, davki na plače in 15 možnosti zveznih držav sledijo zakonodaji 2026; lokalne dohodnine zunaj New Yorka, posamični odbitki in državne olajšave niso upoštevani.","Monthly withholding (INSS and IRRF) is checked; the annual tax return can change the final tax, and PLR profit sharing is not modelled.":"Mesečni odtegljaj (INSS in IRRF) je preverjen; letna napoved lahko spremeni končni davek, delitev dobička PLR pa ni upoštevana.","Your earnings are used in today’s money with the 2026 bend points; Social Security indexes past earnings to national wages, so your official estimate at ssa.gov can differ.":"Tvoji zaslužki so upoštevani v današnjem denarju s prelomnimi točkami 2026; Social Security pretekle zaslužke indeksira z nacionalnimi plačami, zato se tvoja uradna ocena na ssa.gov lahko razlikuje.","Transition rules for people insured before November 2019 are not modelled, and the average salary is built from your inputs; check Meu INSS for your official record.":"Prehodna pravila za zavarovane pred novembrom 2019 niso upoštevana, povprečna plača pa je sestavljena iz tvojih vnosov; za uradne podatke preveri Meu INSS.","The weekly unemployment benefit is estimated at about half of your weekly pay up to the state maximum; each state uses its own formula and base period.":"Tedensko nadomestilo za brezposelnost je ocenjeno na približno polovico tedenske plače do državnega maksimuma; vsaka zvezna država uporablja lastno formulo in osnovno obdobje.","The FGTS balance and its 40% fine are estimated from your salary and years of service (8% a month plus about 3% a year); check the FGTS app for your real balance.":"Stanje FGTS in njegova 40 % kazen sta ocenjena iz tvoje plače in let delovne dobe (8 % na mesec in približno 3 % na leto); dejansko stanje preveri v aplikaciji FGTS.","Your 401(k)":"Tvoj 401(k)","PayAbacus has no accounts and does not send what you type anywhere: all calculations run in your browser.||Your last inputs, language and theme are remembered only in this browser, so you find them next time; clearing your browser data removes them. A shared link or code contains the scenario itself and is seen only by the people you send it to.||Everything the page needs, including its fonts and chart library, is served from this site itself: nothing is loaded from other companies, and there are no cookies, no tracking and no advertising. You can delete what this browser keeps at any time with the button below.":"PayAbacus nima uporabniških računov in tega, kar vpišeš, nikamor ne pošilja: vsi izračuni potekajo v tvojem brskalniku.||Tvoji zadnji vnosi, jezik in tema se zapomnijo samo v tem brskalniku, da jih najdeš naslednjič; z brisanjem podatkov brskalnika se odstranijo. Deljena povezava ali koda vsebuje sam scenarij in jo vidijo samo ljudje, ki jim jo pošlješ.||Vse, kar stran potrebuje, vključno s pisavami in knjižnico za grafe, se streže s te strani same: nič se ne naloži od drugih podjetij, ni piškotkov, sledenja ali oglasov. Kar ta brskalnik hrani, lahko kadarkoli izbrišeš z gumbom spodaj.","Delete the data saved in this browser":"Izbriši podatke, shranjene v tem brskalniku","The data saved in this browser has been deleted.":"Podatki, shranjeni v tem brskalniku, so izbrisani.","PayAbacus is a free, non-commercial information website run by a private individual.||Owner and person responsible for the content: {name}, {address}. Email: {email}.||The calculators give estimates based on the published 2026 rules and official sources for each country. They are not tax, legal, financial or investment advice and do not replace an accountant, a lawyer or the competent authority. Rules change and, despite careful checks, mistakes are possible; no liability is accepted for decisions taken on the basis of the results, except where the law provides otherwise.||Links to official websites are given for information; their owners are responsible for their content.||The texts, design and code of PayAbacus are protected by copyright. The fonts and the chart library are used under their open licences (SIL Open Font License and MIT). Greek law applies.":"PayAbacus je brezplačna, nekomercialna informativna spletna stran, ki jo upravlja zasebnik.||Lastnik in odgovorna oseba za vsebino: {name}, {address}. E-pošta: {email}.||Kalkulatorji dajejo ocene na podlagi objavljenih pravil za 2026 in uradnih virov za vsako državo. Niso davčni, pravni, finančni ali naložbeni nasvet in ne nadomeščajo računovodje, odvetnika ali pristojnega organa. Pravila se spreminjajo in kljub skrbnim preverbam so napake mogoče; za odločitve, sprejete na podlagi rezultatov, ne prevzemamo odgovornosti, razen kadar zakon določa drugače.||Povezave do uradnih spletnih strani so navedene v informativne namene; za njihovo vsebino so odgovorni njihovi lastniki.||Besedila, oblikovanje in koda PayAbacus so zaščiteni z avtorsko pravico. Pisave in knjižnica za grafe se uporabljajo po svojih odprtih licencah (SIL Open Font License in MIT). Velja grško pravo.","Questions, suggestions or a mistake you have found? Write to {email}.||To help us check a case against the official sources, please mention the country, the tab and the numbers you entered. We read every message.":"Vprašanja, predlogi ali opažena napaka? Piši na {email}.||Da lahko primer preverimo z uradnimi viri, navedi državo, zavihek in vnesene številke. Preberemo vsako sporočilo.","Responsible for this website under the GDPR: {name}, {address}, {email}. You can write to this address about your rights, and you can also complain to the Hellenic Data Protection Authority (dpa.gr).":"Odgovorni za to spletno stran po GDPR: {name}, {address}, {email}. Na ta naslov lahko pišeš glede svojih pravic, pritožbo pa lahko vložiš tudi pri grškem organu za varstvo podatkov (dpa.gr).","Spotted a mistake? Report it":"Opaziš napako? Prijavi jo","Your email app opens with the details filled in; nothing is sent until you press Send.":"Odpre se tvoja aplikacija za e-pošto z izpolnjenimi podatki; nič se ne pošlje, dokler ne pritisneš Pošlji.","possible mistake":"morebitna napaka","What looks wrong?":"Kaj se zdi narobe?","What did you expect, and from which official source (a link if possible)?":"Kakšen rezultat je pričakovan in iz katerega uradnega vira (po možnosti povezava)?","Tab":"Zavihek","Language":"Jezik","Your inputs that differ from the defaults":"Tvoji vnosi, ki se razlikujejo od privzetih","none (default values)":"nobeni (privzete vrednosti)","Scenario link":"Povezava do scenarija","Report a mistake":"Prijavi napako","National public holidays on weekdays in 2026":"Državni prazniki na delovne dni v 2026","NSW transfer duty on an $800,000 home (not a first home)":"Davek na promet NSW na dom za 800.000 $ (ne prvi dom)","Victorian land transfer duty on an $800,000 home":"Viktorijski davek na promet zemljišč na dom za 800.000 $","Queensland duty on a $700,000 first home (existing)":"Queenslandska dajatev na prvi dom za 700.000 $ (obstoječ)","Queensland duty on a $700,000 home to live in (not first)":"Queenslandska dajatev na dom za 700.000 $ za bivanje (ne prvi)","Medicare levy 2%":"Dajatev Medicare 2 %","Income tax (2026–27 rates)":"Dohodnina (stopnje 2026–27)","HELP study loan repayment (reduces your debt)":"Odplačilo študijskega posojila HELP (zmanjša tvoj dolg)","Super guarantee 12% paid by your employer on top of your salary":"Super guarantee 12 %, ki ga delodajalec plača poleg tvoje plače","Low income tax offset":"Olajšava za nizke dohodke","part":"del","Set by your award or contract (often 1–4 weeks)":"Določa jo tvoj award ali pogodba (pogosto 1–4 tedne)","National Employment Standards minimum":"Minimum po National Employment Standards","Notice (+1 week over 45)":"Odpovedni rok (+1 teden nad 45)","Redundancy pay":"Odpravnina ob presežnosti","Australia":"Avstralija","I have a HELP study loan":"Imam študijsko posojilo HELP","I have private hospital cover (no Medicare levy surcharge)":"Imam zasebno bolnišnično zavarovanje (brez dodatka k dajatvi Medicare)","Super and savings at pension age (today’s money)":"Super in prihranki pri upokojitveni starosti (današnji denar)","I own my home":"Dom je v moji lasti","My employer has fewer than 15 employees (no NES redundancy pay)":"Moj delodajalec ima manj kot 15 zaposlenih (brez odpravnine NES)","Income tax 2026–27":"Dohodnina 2026–27","The income year runs from 1 July to 30 June. Residents pay nothing up to $18,200, then 15% to $45,000 (16% until June 2026), 30% to $135,000, 37% to $190,000 and 45% above. The low income tax offset of up to $700 reduces the tax for incomes below $66,667.":"Dohodkovno leto traja od 1. julija do 30. junija. Rezidenti do 18.200 $ ne plačajo nič, nato 15 % do 45.000 $ (16 % do junija 2026), 30 % do 135.000 $, 37 % do 190.000 $ in 45 % nad tem. Olajšava za nizke dohodke do 700 $ zniža davek za dohodke pod 66.667 $.","Medicare levy and surcharge":"Dajatev Medicare in dodatek","The Medicare levy is 2% of taxable income, phased in above $28,011 for singles. Without private hospital cover, singles with income above $105,000 also pay the Medicare levy surcharge of 1%, 1.25% or 1.5% (2026–27 thresholds; families $210,000).":"Dajatev Medicare je 2 % obdavčljivega dohodka, za samske osebe postopno uvedena nad 28.011 $. Brez zasebnega bolnišničnega zavarovanja samske osebe z dohodkom nad 105.000 $ plačajo tudi dodatek k dajatvi Medicare v višini 1 %, 1,25 % ali 1,5 % (pragovi 2026–27; družine 210.000 $).","Super and HELP":"Super in HELP","Your employer pays super guarantee of 12% on top of your salary into your super fund, with each payday from July 2026 (Payday Super), on earnings up to $270,830 a year. A HELP study loan is repaid through the tax system: 15c per $ of income above $69,528, 17c above $129,717, and 10% of all income above $186,050.":"Delodajalec poleg plače plačuje super guarantee v višini 12 % v tvoj sklad super, od julija 2026 ob vsakem izplačilu plače (Payday Super), na zaslužek do 270.830 $ na leto. Študijsko posojilo HELP se odplačuje prek davčnega sistema: 15 centov na $ dohodka nad 69.528 $, 17 centov nad 129.717 $ in 10 % celotnega dohodka nad 186.050 $.","Awards and agreements":"Awards in pogodbe","The National Employment Standards cap ordinary hours at 38 a week plus reasonable additional hours; overtime and penalty rates come from your award or agreement. Most awards pay time and a half for the first 2–3 hours and double time after, with Saturday, Sunday and public holiday penalties (often 25–150% extra) and shift loadings of about 15%.":"National Employment Standards omejujejo redne ure na 38 na teden in razumne dodatne ure; dodatki za nadure in posebne čase izhajajo iz awarda ali pogodbe. Večina awardov plača 1,5-kratno postavko za prve 2–3 ure in dvojno potem, z dodatki za sobote, nedelje in praznike (pogosto 25–150 % več) in dodatki za izmensko delo približno 15 %.","Overtime is taxed like normal pay. From July 2026 super is paid on qualifying earnings each payday; overtime usually does not attract the super guarantee unless your award says so.":"Nadure so obdavčene kot običajna plača. Od julija 2026 se super plačuje od upoštevnih zaslužkov ob vsakem izplačilu plače; za nadure se super guarantee običajno ne plača, razen če award določa drugače.","38 h + reasonable extra":"38 h + razumne dodatne","Business profit is taxed at the normal rates plus the 2% Medicare levy. The small business income tax offset takes 16% off the tax on that profit, up to $1,000 a year. There is no compulsory super for yourself, but personal contributions can be deducted up to the $32,500 cap. You must register for GST once turnover reaches $75,000; tax is prepaid through quarterly PAYG instalments.":"Poslovni dobiček je obdavčen po običajnih stopnjah z 2 % dajatvijo Medicare. Olajšava za dohodek malih podjetij odšteje 16 % davka na ta dobiček, do 1.000 $ na leto. Obveznega super zase ni, osebni prispevki pa so odbitni do meje 32.500 $. Ko promet doseže 75.000 $, se moraš registrirati za GST; davek se plačuje vnaprej s četrtletnimi obroki PAYG.","Age Pension":"Age Pension","From age 67 for residents with at least 10 years of residence (5 of them in one stretch). It is not based on earnings: the maximum is $1,237.70 a fortnight for a single person and $933.00 each for a couple (from 20 September 2026), reduced by an income test (50c per $ of income above $226 a fortnight, with savings deemed to earn 1.75% / 3.75%) and an assets test ($3 a fortnight per $1,000 above $333,000 for a single homeowner). Rates rise every March and September.":"Od 67. leta za rezidente z najmanj 10 leti bivanja (od tega 5 neprekinjeno). Ni odvisna od zaslužka: največ 1.237,70 $ na dva tedna za samsko osebo in 933,00 $ vsak za par (od 20. septembra 2026), znižana s preizkusom dohodka (50 centov na $ dohodka nad 226 $ na dva tedna, pri čemer se za prihranke šteje, da prinašajo 1,75 % / 3,75 %) in preizkusom premoženja (3 $ na dva tedna na vsakih 1.000 $ nad 333.000 $ za samsko osebo z lastnim domom). Zneski se zvišajo vsak marec in september.","Super at retirement":"Super ob upokojitvi","Most Australians retire on their super plus a full or part Age Pension. Super can be accessed from 60 once you retire (or at 65), and withdrawals from 60 are tax-free. Your home is not counted in the assets test.":"Večina Avstralcev se upokoji s svojim super in polno ali delno Age Pension. Do super je mogoče dostopati od 60. leta po upokojitvi (ali pri 65), dvigi od 60. leta so neobdavčeni. Tvoj dom se v preizkusu premoženja ne šteje.","Super: your employer must pay 12% of your salary into your fund; you can add more by salary sacrifice. Contributions and fund earnings are taxed at up to 15% inside the fund (shown here as 15% of the final balance), and withdrawals after 60 are tax-free. Super is locked until you retire after reaching 60.":"Super: delodajalec mora v tvoj sklad vplačati 12 % plače; več lahko dodaš s salary sacrifice. Prispevki in donosi sklada so v skladu obdavčeni z do 15 % (tu prikazano kot 15 % končnega stanja), dvigi po 60. letu pa so neobdavčeni. Super je zaklenjen, dokler se po 60. letu ne upokojiš.","Australia Day":"Dan Avstralije","Anzac Day":"Dan Anzac","King’s Birthday (most states)":"Kraljev rojstni dan (večina zveznih držav)","Four weeks of paid annual leave a year for full-time employees (five for some shift workers), accrued with each hour worked; many awards add a 17.5% leave loading. The national public holidays are shown (New Year’s Day, Australia Day and Christmas move to Monday when they fall on a weekend); each state adds its own, such as Labour Day, Easter Saturday and Melbourne Cup Day. Long service leave (about 8.7 weeks after 10 years) is set by state law.":"Štiri tedne plačanega letnega dopusta na leto za zaposlene s polnim delovnim časom (pet za nekatere izmenske delavce), ki se pridobiva z vsako opravljeno uro; številni awards dodajo 17,5 % dodatka za dopust. Prikazani so državni prazniki (novo leto, dan Avstralije in božič se premaknejo na ponedeljek, ko padejo na vikend); vsaka zvezna država doda svoje, na primer praznik dela, veliko soboto in dan Melbourne Cup. Dopust za dolgoletno službo (približno 8,7 tedna po 10 letih) določa zakonodaja zveznih držav.","Parental Leave Pay (government)":"Parental Leave Pay (državni)","26 weeks (130 days) for a child born from 1 July 2026, shared between parents with 20 days reserved for the partner; income test applies":"26 tednov (130 dni) za otroka, rojenega od 1. julija 2026, deljeno med staršema, z 20 dnevi rezerviranimi za partnerja; velja preizkus dohodka","$1,004.70 a week (national minimum wage) plus 12% super, taxable":"1.004,70 $ na teden (nacionalna minimalna plača) in 12 % super, obdavčljivo","12 months per parent after 12 months of service, with the right to request 12 more":"12 mesecev na starša po 12 mesecih delovne dobe, s pravico zahtevati še 12","Personal / carer’s leave":"Osebni / negovalni dopust","10 days a year (pro rata for part-time), unused days roll over":"10 dni na leto (sorazmerno pri krajšem delovnem času), neizrabljeni dnevi se prenesejo","Compassionate and family violence leave":"Sočutni dopust in dopust zaradi nasilja v družini","2 days per occasion (death or serious illness in the family); 10 days a year of family and domestic violence leave":"2 dneva na primer (smrt ali huda bolezen v družini); 10 dni na leto dopusta zaradi družinskega nasilja","Made redundant (genuine redundancy)":"Presežnost (dejanska ukinitev delovnega mesta)","Dismissed (not redundancy, not misconduct)":"Odpoved (ne presežnost, ne kršitev)","Notice and redundancy pay":"Odpovedni rok in odpravnina ob presežnosti","Minimum notice is 1 week (up to 1 year of service), 2 weeks (up to 3), 3 weeks (up to 5) and 4 weeks after that, plus 1 week if you are over 45 with at least 2 years; it can be paid in lieu. When a job is made redundant at an employer with 15 or more employees, NES redundancy pay is 4 weeks after 1 year rising to 16 weeks after 9 years, then 12 weeks from 10 years (long service leave takes over). Unused annual leave is paid out.":"Najkrajši odpovedni rok je 1 teden (do 1 leta delovne dobe), 2 tedna (do 3), 3 tedne (do 5) in nato 4 tedne ter še 1 teden za starejše od 45 let z najmanj 2 letoma; lahko se plača namesto odslužitve. Ko je delovno mesto ukinjeno pri delodajalcu s 15 ali več zaposlenimi, je odpravnina NES 4 tedne po 1 letu in naraste na 16 tednov po 9 letih, nato 12 tednov od 10 let (prevzame dopust za dolgoletno službo). Neizrabljen letni dopust se izplača.","Tax on termination payments":"Davek na plačila ob prenehanju","A genuine redundancy payment is tax-free up to $13,598 + $6,801 per complete year of service (2026–27). The rest is an employment termination payment taxed at 32% including Medicare (17% from age 60) up to the $270,000 cap and 47% above. Pay in lieu of notice on a dismissal is taxed the same way, with the cap reduced by your other income above $180,000.":"Plačilo ob dejanski presežnosti je neobdavčeno do 13.598 $ + 6.801 $ za vsako polno leto delovne dobe (2026–27). Ostalo je plačilo ob prenehanju zaposlitve, obdavčeno z 32 % vključno z Medicare (17 % od 60. leta) do meje 270.000 $ in 47 % nad tem. Nadomestilo namesto odpovednega roka ob odpovedi je obdavčeno enako, pri čemer se meja zniža za tvoje druge dohodke nad 180.000 $.","JobSeeker Payment":"JobSeeker Payment","Unemployment support is a flat, means-tested payment, not linked to your previous pay: $824.90 a fortnight for a single person without children (from 20 September 2026). Liquid assets and redundancy pay can delay the first payment by up to several weeks, and leaving a job voluntarily can bring a non-payment period.":"Podpora za brezposelne je pavšalno plačilo, odvisno od premoženjskega stanja in ne od prejšnje plače: 824,90 $ na dva tedna za samsko osebo brez otrok (od 20. septembra 2026). Likvidno premoženje in odpravnina lahko prvo izplačilo zamaknejo za več tednov, prostovoljni odhod iz službe pa lahko prinese obdobje brez plačila.","Without private hospital cover you pay the Medicare levy surcharge; basic hospital cover can cost less than the surcharge at your income.":"Brez zasebnega bolnišničnega zavarovanja plačaš dodatek k dajatvi Medicare; osnovno bolnišnično zavarovanje je lahko pri tvojem dohodku cenejše od dodatka.","Check that your employer pays your 12% super: from July 2026 it must reach your fund within 7 days of each payday, and you can see it in myGov.":"Preveri, ali delodajalec plačuje tvojih 12 % super: od julija 2026 mora priti v sklad v 7 dneh po vsakem izplačilu plače, vidiš pa ga v myGov.","Family Tax Benefit is paid by Services Australia based on family income and is not included here. Australians file individual tax returns; the Medicare levy thresholds and surcharge use family income for couples.":"Family Tax Benefit izplačuje Services Australia glede na družinski dohodek in tu ni vključen. Avstralci oddajajo individualne davčne napovedi; pragovi dajatve Medicare in dodatek za pare uporabljajo družinski dohodek.","NES redundancy pay + notice":"Odpravnina NES + odpovedni rok","26 weeks Parental Leave Pay at the minimum wage + 12 months unpaid":"26 tednov Parental Leave Pay po minimalni plači + 12 mesecev neplačano","Shares the 26 weeks (20 days reserved for the partner)":"Deli 26 tednov (20 dni rezerviranih za partnerja)","12 months unpaid per parent (can extend to 24)":"12 mesecev neplačano na starša (podaljšljivo na 24)","10 days a year at full pay":"10 dni na leto s polno plačo","Annual tax for one Australian-resident employee for the 2026–27 income year, with super paid on top of the salary entered. The Medicare levy uses the latest published singles threshold; family thresholds, Family Tax Benefit, salary packaging, fringe benefits, deductions and the seniors offset for workers over pension age are not modelled.":"Letni davek za enega zaposlenega rezidenta Avstralije za dohodkovno leto 2026–27, s super, plačanim poleg vnesene plače. Dajatev Medicare uporablja zadnji objavljeni prag za samske osebe; družinski pragovi, Family Tax Benefit, salary packaging, bonitete, odbitki in olajšava za starejše delavce nad upokojitveno starostjo niso upoštevani.","Official sources: Australian Taxation Office (2026–27 tax rates, Medicare levy and surcharge, HELP repayment thresholds, super contribution caps and guarantee, ETP and genuine redundancy limits), Fair Work Ombudsman (National Employment Standards, national minimum wage from 1 July 2026), Services Australia (Age Pension, deeming, JobSeeker and Parental Leave Pay rates from 20 September 2026), Revenue NSW, State Revenue Office Victoria, Queensland Revenue Office, APRA, Australian Bureau of Statistics.":"Uradni viri: Australian Taxation Office (davčne stopnje 2026–27, dajatev Medicare in dodatek, pragovi odplačila HELP, omejitve prispevkov super in super guarantee, omejitve ETP in dejanske presežnosti), Fair Work Ombudsman (National Employment Standards, nacionalna minimalna plača od 1. julija 2026), Services Australia (Age Pension, deeming, zneski JobSeeker in Parental Leave Pay od 20. septembra 2026), Revenue NSW, State Revenue Office Victoria, Queensland Revenue Office, APRA, Australian Bureau of Statistics.","Income tax on $90,000 (2026–27)":"Dohodnina na 90.000 $ (2026–27)","Income tax + Medicare levy on $60,000":"Dohodnina + dajatev Medicare na 60.000 $","Medicare levy on $29,000 (low-income reduction)":"Dajatev Medicare na 29.000 $ (znižanje za nizke dohodke)","Medicare levy surcharge, single, $117,000 of income":"Dodatek k dajatvi Medicare, samska oseba, 117.000 $ dohodka","HELP repayment on $137,064 of repayment income":"Odplačilo HELP na 137.064 $ dohodka za odplačilo","HELP repayment on $86,380 of repayment income":"Odplačilo HELP na 86.380 $ dohodka za odplačilo","Concessional contributions cap 2026–27":"Omejitev davčno ugodnih prispevkov 2026–27","Employer super guarantee on a $300,000 salary":"Super guarantee delodajalca na plačo 300.000 $","Full Age Pension, single (per fortnight)":"Polna Age Pension, samska oseba (na dva tedna)","Age Pension, single homeowner with $500,000 of super (per fortnight)":"Age Pension, samska oseba z lastnim domom in 500.000 $ super (na dva tedna)","Tax-free genuine redundancy limit, 8 complete years":"Neobdavčena meja za dejansko presežnost, 8 polnih let","NES redundancy pay after 9 years (weeks)":"Odpravnina NES po 9 letih (tedni)","Notice for a 46-year-old with 6 years of service (weeks)":"Odpovedni rok za 46-letnika s 6 leti delovne dobe (tedni)","JobSeeker Payment, single, no children (per fortnight)":"JobSeeker Payment, samska oseba, brez otrok (na dva tedna)","Parental Leave Pay, 26 weeks in 2026–27":"Parental Leave Pay, 26 tednov v 2026–27","Sole trader income tax on $80,000 profit":"Dohodnina samostojnega podjetnika na 80.000 $ dobička","New South Wales":"Novi Južni Wales","Victoria":"Viktorija","Queensland":"Queensland","Conveyancing, searches and registration fees (estimate)":"Pravni postopek prenosa, poizvedbe in vpisne pristojbine (ocena)","Transfer duty: first home buyer exemption (NSW, up to $800,000)":"Davek na promet: oprostitev za prve kupce (NSW, do 800.000 $)","Transfer duty with the first home buyer concession (NSW, $800,000–$1 million, estimate)":"Davek na promet z olajšavo za prve kupce (NSW, 800.000 $–1 milijon $, ocena)","Transfer duty (NSW, 2026–27 rates)":"Davek na promet (NSW, stopnje 2026–27)","Land transfer duty: first home buyer exemption (Victoria, up to $600,000)":"Davek na promet zemljišč: oprostitev za prve kupce (Viktorija, do 600.000 $)","Land transfer duty with the first home buyer concession (Victoria, $600,000–$750,000, estimate)":"Davek na promet zemljišč z olajšavo za prve kupce (Viktorija, 600.000–750.000 $, ocena)","Land transfer duty, principal place of residence rate (Victoria)":"Davek na promet zemljišč, stopnja za glavno prebivališče (Viktorija)","Land transfer duty (Victoria)":"Davek na promet zemljišč (Viktorija)","Transfer duty, home concession less the first home concession (Queensland, existing home)":"Davek na promet, olajšava za dom minus olajšava za prvi dom (Queensland, obstoječ dom)","Transfer duty, home concession rate (Queensland)":"Davek na promet, stopnja olajšave za dom (Queensland)","No relief for a home you live in; interest is deductible only on an investment property.":"Za dom, v katerem živiš, ni olajšave; obresti so odbitne samo pri naložbeni nepremičnini.","APRA: banks must test that you can afford the loan at 3 points above its rate, and since 1 February 2026 at most 20% of a bank’s new home loans may be at 6 times income or more. Below a 20% deposit lenders usually charge mortgage insurance, unless you use the government Home Guarantee Scheme (5% deposit, price caps by area).":"APRA: banke morajo preveriti, ali zmoreš kredit pri obrestni meri, višji za 3 točke, od 1. februarja 2026 pa je največ 20 % novih stanovanjskih kreditov banke lahko pri 6-kratniku dohodka ali več. Pod 20 % pologa posojilodajalci običajno zaračunajo zavarovanje kredita, razen če uporabiš državno shemo Home Guarantee Scheme (5 % pologa, cenovne omejitve po območjih).","Your super":"Tvoj super","Transfer duty on a HUF 60 million home":"Davek na promet na dom za 60 milijonov HUF","Mortgage interest relief on CZK 200,000 of interest":"Olajšava za obresti stanovanjskega kredita na 200.000 CZK obresti","Social and health insurance 13.78% (up to €2,300 a month)":"Socialno in zdravstveno zavarovanje 13,78 % (do 2.300 € na mesec)","Income tax 10%":"Dohodnina 10 %","Employer contributions (about 19%)":"Prispevki delodajalca (približno 19 %)","Self-employed contributions 27.8% (pension + health)":"Prispevki samozaposlenih 27,8 % (pokojnina + zdravstvo)","30 days":"30 dni","indefinite contract (up to 3 months by agreement)":"pogodba za nedoločen čas (po dogovoru do 3 mesece)","Notice paid in lieu (30 days)":"Nadomestilo namesto odpovednega roka (30 dni)","Compensation while unemployed (up to 1 month’s pay)":"Nadomestilo med brezposelnostjo (do 1 mesečne plače)","Bulgaria":"Bolgarija","I am in a universal pension fund (UPF, born 1960 or later)":"Sem v univerzalnem pokojninskem skladu (UPF, rojeni 1960 ali pozneje)","A flat 10% on pay after the employee’s social and health contributions. Bulgaria adopted the euro on 1 January 2026 (1 € = 1.95583 lev). Minimum wage €620.20 a month.":"Pavšalnih 10 % na plačo po socialnih in zdravstvenih prispevkih zaposlenega. Bolgarija je evro uvedla 1. januarja 2026 (1 € = 1,95583 leva). Minimalna plača 620,20 € na mesec.","Social and health insurance":"Socialno in zdravstveno zavarovanje","Employees pay 13.78%: pension 8.78% (of which 2.2% goes to a universal pension fund for people born from 1960), sickness and maternity 1.4%, unemployment 0.4% and health 3.2%. Employers pay about 19%. Contributions stop above the maximum insurable income of €2,300 a month (from 1 August 2026; €2,111.64 before).":"Zaposleni plačajo 13,78 %: pokojnina 8,78 % (od tega gre 2,2 % v univerzalni pokojninski sklad za rojene od 1960), bolezen in materinstvo 1,4 %, brezposelnost 0,4 % in zdravstvo 3,2 %. Delodajalci plačajo približno 19 %. Prispevki se ustavijo nad najvišjim zavarovanim dohodkom 2.300 € na mesec (od 1. avgusta 2026; prej 2.111,64 €).","Labour Code":"Zakon o delu","Overtime pays at least 50% extra on working days, 75% on weekends and 100% on public holidays; night work pays at least 15% extra. Overtime is limited to 150 hours a year (300 by collective agreement).":"Nadure se plačajo najmanj 50 % več ob delavnikih, 75 % ob vikendih in 100 % ob praznikih; nočno delo najmanj 15 % več. Nadure so omejene na 150 ur na leto (300 po kolektivni pogodbi).","Overtime pays contributions and the 10% tax like normal pay, up to the insurable maximum.":"Za nadure se plačajo prispevki in 10 % davka kot za običajno plačo, do najvišjega zavarovanega zneska.","Freelancers in liberal professions deduct a statutory 25% for expenses and pay 10% tax on the rest after contributions. Contributions of 27.8% (pension and health; sickness and maternity optional) are due on a chosen income between €620.20 and €2,300 a month; here it follows your profit.":"Svobodni poklici odbijejo zakonskih 25 % za stroške in plačajo 10 % davka na ostanek po prispevkih. Prispevki 27,8 % (pokojnina in zdravstvo; bolezen in materinstvo neobvezno) se plačajo od izbranega dohodka med 620,20 € in 2.300 € na mesec; tu sledi tvojemu dobičku.","State pension":"Državna pokojnina","The pension is your average insurable income (relative to the national average) × years of service × 1.35%; each year worked after reaching the right adds 4%. In 2026 women need age 62 years 6 months and 36 years 10 months of service, men 64 years 9 months and 39 years 10 months; ages rise to 65 (men 2029, women 2037). Without enough service, the pension starts at 67 with 15 years.":"Pokojnina je tvoj povprečni zavarovani dohodek (glede na nacionalno povprečje) × leta delovne dobe × 1,35 %; vsako leto dela po pridobitvi pravice doda 4 %. V 2026 ženske potrebujejo starost 62 let in 6 mesecev ter 36 let in 10 mesecev delovne dobe, moški 64 let in 9 mesecev ter 39 let in 10 mesecev; starost se zviša na 65 (moški 2029, ženske 2037). Brez zadostne delovne dobe se pokojnina začne pri 67 s 15 leti.","Limits and the second pillar":"Omejitve in drugi steber","Minimum pension €347.51 from 1 July 2026 (€295.38 with incomplete service), maximum €1,738.40. People born from 1960 also save 5% in a universal pension fund (UPF); their state pension is reduced for those years and the fund pays a separate pension. Pensions are not taxed.":"Najnižja pokojnina 347,51 € od 1. julija 2026 (295,38 € z nepopolno delovno dobo), najvišja 1.738,40 €. Rojeni od 1960 varčujejo tudi 5 % v univerzalnem pokojninskem skladu (UPF); njihova državna pokojnina je za ta leta znižana, sklad pa izplačuje ločeno pokojnino. Pokojnine niso obdavčene.","Voluntary pension fund (third pillar): contributions are deductible up to 10% of taxable income; payouts as a pension from retirement age are not taxed. Money taken out early loses the relief.":"Prostovoljni pokojninski sklad (tretji steber): prispevki so odbitni do 10 % obdavčljivega dohodka; izplačila kot pokojnina od upokojitvene starosti niso obdavčena. Denar, dvignjen prej, izgubi olajšavo.","St George’s Day":"Jurjevo","Day of Culture and Slavonic Alphabet":"Dan kulture in slovanske pisave","Unification Day":"Dan združitve","Christmas Eve":"Božični večer","Second day of Christmas":"Drugi božični dan","Good Friday (Orthodox)":"Veliki petek (pravoslavni)","Holy Saturday":"Velika sobota","At least 20 working days of paid annual leave (more for some jobs and for people with disabilities). Public holidays follow the Orthodox Easter; a holiday on a weekend moves to the next working day.":"Najmanj 20 delovnih dni plačanega letnega dopusta (več za nekatera delovna mesta in osebe z invalidnostjo). Prazniki sledijo pravoslavni veliki noči; praznik na vikend se premakne na naslednji delovni dan.","Pregnancy and birth leave":"Dopust ob nosečnosti in porodu","410 days (45 before the birth)":"410 dni (45 pred rojstvom)","90% of your average insurable income (NOI)":"90 % tvojega povprečnega zavarovanega dohodka (NOI)","Child-raising leave until age 2":"Dopust za vzgojo otroka do 2. leta","After the 410 days, until the child turns 2":"Po 410 dneh, dokler otrok ne dopolni 2 let","Fixed monthly benefit (NOI)":"Fiksno mesečno nadomestilo (NOI)","15 days from the birth; up to 2 months more after the child is 6 months old":"15 dni od rojstva; še do 2 meseca, ko je otrok star 6 mesecev","90% of average insurable income":"90 % povprečnega zavarovanega dohodka","First 3 days paid by the employer, then by NOI":"Prve 3 dni plača delodajalec, nato NOI","70%, then 80% of average insurable income":"70 %, nato 80 % povprečnega zavarovanega dohodka","Dismissed: closure or staff cuts":"Odpoved: zaprtje ali zmanjšanje števila zaposlenih","Ending at retirement age":"Prenehanje ob upokojitveni starosti","Notice and compensation":"Odpovedni rok in nadomestilo","An indefinite contract ends with 30 days’ notice (up to 3 months by agreement); notice not given is paid. After dismissal for closure or staff cuts the employer pays up to one month’s pay while you are unemployed. On leaving at retirement age you get 2 months’ pay, or 6 months with 10 years at the same employer. Unused leave is paid.":"Pogodba za nedoločen čas preneha s 30-dnevnim odpovednim rokom (po dogovoru do 3 mesece); neupoštevan odpovedni rok se plača. Po odpovedi zaradi zaprtja ali zmanjšanja števila zaposlenih delodajalec med brezposelnostjo plača do ene mesečne plače. Ob odhodu pri upokojitveni starosti dobiš 2 mesečni plači ali 6 z 10 leti pri istem delodajalcu. Neizrabljen dopust se izplača.","60% of your average daily insurable income over the last 24 months, within a daily minimum and maximum set each year (about €9.21 and €54.78 in 2026), for 4 to 12 months depending on years insured. After resigning you get only the minimum for 4 months.":"60 % povprečnega dnevnega zavarovanega dohodka v zadnjih 24 mesecih, med dnevnim minimumom in maksimumom, ki se določita vsako leto (približno 9,21 € in 54,78 € v 2026), 4 do 12 mesecev glede na leta zavarovanja. Po lastni odpovedi dobiš samo minimum za 4 mesece.","Contributions stop above €2,300 a month, so on a higher salary only the 10% tax applies to the extra.":"Prispevki se ustavijo nad 2.300 € na mesec, zato se pri višji plači na presežek plača samo 10 % davka.","Tax relief for children and monthly child benefits (income-tested) are not included. Bulgaria taxes each person separately.":"Davčne olajšave za otroke in mesečni otroški dodatki (odvisni od dohodka) niso vključeni. Bolgarija vsako osebo obdavči ločeno.","Notice in lieu + 1 month while unemployed":"Nadomestilo namesto odpovednega roka + 1 mesec med brezposelnostjo","410 days at 90% of pay, then a fixed benefit to age 2":"410 dni z 90 % plače, nato fiksno nadomestilo do 2. leta","15 days at 90% (+2 months later)":"15 dni z 90 % (+2 meseca pozneje)","Until age 2 with a fixed benefit":"Do 2. leta s fiksnim nadomestilom","70% for 3 days, then 80% (NOI)":"70 % 3 dni, nato 80 % (NOI)","Annual tax and contributions for one employee with the 2026 rates, using the €2,300 contribution ceiling that applies from August. Child tax relief, other deductions and the work-accident rate of your employer are not modelled.":"Letni davek in prispevki za enega zaposlenega po stopnjah 2026, z mejo prispevkov 2.300 €, ki velja od avgusta. Davčne olajšave za otroke, drugi odbitki in stopnja za nesreče pri delu tvojega delodajalca niso upoštevani.","Official sources: National Social Security Institute (NOI: contribution table, pension rules, average insurable income), National Revenue Agency, Labour Code, Council of Ministers Decree 243/2025 (minimum wage), Bulgarian National Bank, Eurostat.":"Uradni viri: Nacionalni inštitut za socialno varnost (NOI: tabela prispevkov, pokojninska pravila, povprečni zavarovani dohodek), Nacionalna agencija za prihodke, Zakon o delu, uredba Sveta ministrov 243/2025 (minimalna plača), Bolgarska narodna banka, Eurostat.","Employee contributions on €2,000 a month":"Prispevki zaposlenega na 2.000 € na mesec","Maximum monthly employee contributions (from August 2026)":"Najvišji mesečni prispevki zaposlenega (od avgusta 2026)","Income tax on €2,000 a month":"Dohodnina na 2.000 € na mesec","Minimum pension from 1 July 2026":"Najnižja pokojnina od 1. julija 2026","Pension, man, 40 years, average insurable income €1,000 (no UPF)":"Pokojnina, moški, 40 let, povprečni zavarovani dohodek 1.000 € (brez UPF)","Women’s pension age in 2026 (years)":"Upokojitvena starost žensk v 2026 (leta)","Unemployment insurance 1.6%":"Zavarovanje za brezposelnost 1,6 %","Income tax 22%":"Dohodnina 22 %","Basic exemption (€700 a month)":"Osnovna oprostitev (700 € na mesec)","Employer social tax 33% + unemployment 0.8%":"Socialni davek delodajalca 33 % + brezposelnost 0,8 %","Social tax 33% (sole proprietor)":"Socialni davek 33 % (samostojni podjetnik)","Redundancy compensation from the employer (1 month)":"Odpravnina delodajalca ob presežnosti (1 mesec)","Employment Contracts Act § 97":"Zakon o pogodbah o zaposlitvi § 97","Estonia":"Estonija","Funded pension (II pillar)":"Kapitalska pokojnina (II. steber)","Left the II pillar":"Izstop iz II. stebra","My employer applies my basic exemption":"Moj delodajalec uporablja mojo osnovno oprostitev","A flat 22% (the planned rise to 24% was cancelled). Everyone has a basic exemption of €700 a month (€8,400 a year), no longer reduced for higher incomes; €776 a month at pension age. Only one employer applies it, on your written application.":"Pavšalnih 22 % (načrtovano zvišanje na 24 % je bilo preklicano). Vsakdo ima osnovno oprostitev 700 € na mesec (8.400 € na leto), ki se za višje dohodke ne zmanjšuje več; pri upokojitveni starosti 776 € na mesec. Uporablja jo samo en delodajalec, na tvojo pisno prošnjo.","Employees pay 1.6% unemployment insurance and 2% to the funded pension (4% or 6% by choice, or none after leaving the second pillar). Employers pay 33% social tax (pension and health) and 0.8% unemployment insurance. Minimum wage €946 a month from 1 April 2026.":"Zaposleni plačajo 1,6 % zavarovanja za brezposelnost in 2 % v kapitalsko pokojnino (po izbiri 4 % ali 6 % ali nič po izstopu iz drugega stebra). Delodajalci plačajo 33 % socialnega davka (pokojnina in zdravstvo) in 0,8 % zavarovanja za brezposelnost. Minimalna plača 946 € na mesec od 1. aprila 2026.","Employment Contracts Act":"Zakon o pogodbah o zaposlitvi","Overtime is paid at 1.5 times the hourly wage unless compensated with time off; night work (22:00–06:00) pays at least 25% extra and public-holiday work double. Working time may not exceed 48 hours a week on average over 4 months.":"Nadure se plačajo po 1,5-kratni urni postavki, razen če so nadomeščene s prostim časom; nočno delo (22:00–06:00) najmanj 25 % več, delo ob praznikih dvojno. Delovni čas ne sme preseči povprečno 48 ur na teden v 4 mesecih.","48 h / week on average":"48 h / teden v povprečju","Sole proprietor (FIE)":"Samostojni podjetnik (FIE)","Business profit pays 33% social tax (at least €292.38 a month) and 22% income tax after the basic exemption; social tax is deductible. An entrepreneur account (5% on turnover up to €40,000) is an alternative for small businesses and is not modelled.":"Poslovni dobiček plača 33 % socialnega davka (najmanj 292,38 € na mesec) in 22 % dohodnine po osnovni oprostitvi; socialni davek je odbiten. Podjetniški račun (5 % na promet do 40.000 €) je alternativa za mala podjetja in ni upoštevan.","Base part €399.24 plus €10.477 for each year of service before 1999 and for each insurance component since (one component = social tax on an average wage for a year; from 2021 half of it is the same for everyone who earned at least the minimum wage). Values rise every 1 April.":"Osnovni del 399,24 € in 10,477 € za vsako leto delovne dobe pred 1999 in za vsako zavarovalno komponento od takrat (ena komponenta = socialni davek na povprečno plačo za eno leto; od 2021 je polovica tega enaka za vse, ki so zaslužili vsaj minimalno plačo). Vrednosti se zvišajo vsak 1. april.","Age and tax":"Starost in davek","Pension age is 65 in 2026 and is linked to life expectancy from 2027. You need 15 years of service. A flexible pension can start up to 5 years early (−0.4% a month) or later (+0.9% a month). Pensions are taxed at 22% above €776 a month.":"Upokojitvena starost je 65 v 2026 in je od 2027 vezana na življenjsko dobo. Potrebuješ 15 let delovne dobe. Prožna pokojnina se lahko začne do 5 let prej (−0,4 % na mesec) ali pozneje (+0,9 % na mesec). Pokojnine so nad 776 € na mesec obdavčene z 22 %.","Voluntary third pillar: contributions are deductible up to 15% of income (max €6,000 a year). Withdrawals from age 60 are taxed at 10% (or tax-free as a lifelong annuity); earlier withdrawals at 22%.":"Prostovoljni tretji steber: prispevki so odbitni do 15 % dohodka (največ 6.000 € na leto). Dvigi od 60. leta so obdavčeni z 10 % (ali neobdavčeni kot doživljenjska renta); prejšnji dvigi z 22 %.","Spring Day":"Pomladni dan","Pentecost":"Binkošti","Day of Restoration of Independence":"Dan obnovitve neodvisnosti","28 calendar days of paid annual leave (about 20 working days); public holidays falling within the leave extend it. The day before Independence Day, Victory Day, Christmas Eve and New Year’s Day is 3 hours shorter.":"28 koledarskih dni plačanega letnega dopusta (približno 20 delovnih dni); prazniki med dopustom ga podaljšajo. Dan pred dnevom neodvisnosti, dnevom zmage, božičnim večerom in novim letom je krajši za 3 ure.","Pregnancy and parental leave":"Nosečniški in starševski dopust","100 days for the mother, then 475 days of parental benefit shared until the child is 3":"100 dni za mater, nato 475 dni starševskega nadomestila, deljeno do otrokovega 3. leta","100% of average earnings (capped at 3 times the average wage)":"100 % povprečnega zaslužka (omejeno na 3-kratnik povprečne plače)","30 days, any time until the child is 3":"30 dni, kadarkoli do otrokovega 3. leta","100% of average earnings":"100 % povprečnega zaslužka","Child leave":"Dopust za otroka","10 working days per parent until the child is 14":"10 delovnih dni na starša, dokler otrok ne dopolni 14 let","Paid at the minimum wage":"Plačan po minimalni plači","The first day is unpaid; then the employer pays and later the Health Insurance Fund":"Prvi dan je neplačan; nato plača delodajalec, pozneje Zdravstvena zavarovalnica","70% of average earnings":"70 % povprečnega zaslužka","Made redundant (lay-off)":"Presežnost (odpuščanje)","On redundancy the employer gives 15 days’ notice (under 1 year), 30 days (1–5 years), 60 days (5–10) or 90 days (10+), or pays for the missing days, and pays one month’s average wage as compensation. The Unemployment Insurance Fund adds one month for 5–10 years with the employer and two months for 10 or more.":"Ob presežnosti delodajalec da 15-dnevni odpovedni rok (pod 1 letom), 30 dni (1–5 let), 60 dni (5–10) ali 90 dni (10+) ali plača manjkajoče dni in plača eno povprečno mesečno plačo kot odpravnino. Sklad za zavarovanje za brezposelnost doda en mesec za 5–10 let pri delodajalcu in dva meseca za 10 ali več.","Unemployment insurance benefit":"Nadomestilo iz zavarovanja za brezposelnost","After at least 12 months of contributions in 3 years: 60% of your previous average daily wage for the first 100 days and 40% after, for 180 days (270 with 56 months of contributions, 360 with 110). It is taxable. People who resign get only the lower flat unemployment allowance.":"Po najmanj 12 mesecih prispevkov v 3 letih: 60 % prejšnje povprečne dnevne plače prvih 100 dni in 40 % potem, 180 dni (270 s 56 meseci prispevkov, 360 s 110). Je obdavčljivo. Ob lastni odpovedi je na voljo samo nižja pavšalna podpora za brezposelne.","Without an application, your employer withholds tax from the first euro; you get the €700 monthly exemption back in your annual return.":"Brez prošnje delodajalec odteguje davek od prvega evra; mesečno oprostitev 700 € dobiš nazaj v letni napovedi.","Child allowances from the Social Insurance Board are not included. Estonia taxes each person separately.":"Otroški dodatki Odbora za socialno zavarovanje niso vključeni. Estonija vsako osebo obdavči ločeno.","Redundancy compensation":"Odpravnina ob presežnosti","100 days + 475 days shared at 100% of pay":"100 dni + 475 dni deljeno s 100 % plače","30 days at 100%":"30 dni s 100 %","475 days shared until age 3":"475 dni deljeno do 3. leta","Day 1 unpaid, then 70%":"1. dan neplačan, nato 70 %","Annual tax for one employee whose employer applies the basic exemption, with the 2026 rates. Additional deductions (training, mortgage interest, donations) and family benefits are not modelled; employer social tax at the minimum base is ignored.":"Letni davek za enega zaposlenega, čigar delodajalec uporablja osnovno oprostitev, po stopnjah 2026. Dodatni odbitki (izobraževanje, obresti stanovanjskega kredita, donacije) in družinski prejemki niso upoštevani; socialni davek delodajalca na minimalno osnovo ni upoštevan.","Official sources: Estonian Tax and Customs Board (EMTA tax rates 2026), Social Insurance Board (pension calculation, 1 April 2026 values), Unemployment Insurance Fund (Töötukassa), Employment Contracts Act, Statistics Estonia (average wage 2025), Eesti Pank, Eurostat.":"Uradni viri: Estonski davčni in carinski urad (davčne stopnje EMTA 2026), Odbor za socialno zavarovanje (izračun pokojnine, vrednosti od 1. aprila 2026), Sklad za zavarovanje za brezposelnost (Töötukassa), Zakon o pogodbah o zaposlitvi, Statistični urad Estonije (povprečna plača 2025), Eesti Pank, Eurostat.","Income tax on €2,000 a month (2% funded pension)":"Dohodnina na 2.000 € na mesec (2 % kapitalska pokojnina)","Basic exemption per year":"Osnovna oprostitev na leto","Employee unemployment insurance on €2,000 a month":"Zavarovanje zaposlenega za brezposelnost na 2.000 € na mesec","Pension with 40 average-wage years at 65 (per month)":"Pokojnina s 40 leti povprečne plače pri 65 (na mesec)","Notice for 7 years of service (days)":"Odpovedni rok za 7 let delovne dobe (dnevi)","Social insurance 7.1% (pension 6.5% + sickness 0.6%)":"Socialno zavarovanje 7,1 % (pokojnina 6,5 % + bolezen 0,6 %)","Health insurance 4.5%":"Zdravstveno zavarovanje 4,5 %","Child tax bonus paid to you":"Davčni bonus za otroke, izplačan tebi","Income tax 15% / 23% after credits":"Dohodnina 15 % / 23 % po olajšavah","Taxpayer credit":"Olajšava za davkoplačevalca","Child tax credits":"Davčne olajšave za otroke","Employer contributions 24.8% + 9% health":"Prispevki delodajalca 24,8 % + 9 % zdravstvo","Social 29.2% + health 13.5% (self-employed)":"Socialno 29,2 % + zdravstvo 13,5 % (samozaposleni)","2 months":"2 meseca","minimum notice period (Labour Code § 51)":"najkrajši odpovedni rok (Zakon o delu § 51)","None (by agreement)":"Brez (po dogovoru)","Severance pay":"Odpravnina","Czechia":"Češka","15% on gross pay up to CZK 1,762,812 a year (36 times the average wage) and 23% above, less the taxpayer credit of CZK 30,840. Child credits are CZK 15,204 for the first child, 22,320 for the second and 27,840 for each further child; above the tax they are paid out as a bonus.":"15 % na bruto plačo do 1.762.812 CZK na leto (36-kratnik povprečne plače) in 23 % nad tem, minus olajšava za davkoplačevalca 30.840 CZK. Olajšave za otroke so 15.204 CZK za prvega otroka, 22.320 za drugega in 27.840 za vsakega nadaljnjega; nad davkom se izplačajo kot bonus.","Insurance":"Zavarovanje","Employees pay 7.1% social insurance (up to CZK 2,350,416 a year) and 4.5% health insurance (no cap); employers pay 24.8% and 9%. Average wage for 2026: CZK 48,967; minimum wage CZK 22,400.":"Zaposleni plačajo 7,1 % socialnega zavarovanja (do 2.350.416 CZK na leto) in 4,5 % zdravstvenega zavarovanja (brez meje); delodajalci plačajo 24,8 % in 9 %. Povprečna plača za 2026: 48.967 CZK; minimalna plača 22.400 CZK.","Overtime pays at least 25% extra (or time off); night work at least 10% and weekend work at least 10% extra; public-holiday work 100% or a day off. Ordered overtime is limited to 150 hours a year (416 by agreement).":"Nadure se plačajo najmanj 25 % več (ali prosti čas); nočno delo najmanj 10 % in delo ob vikendih najmanj 10 % več; delo ob praznikih 100 % ali prost dan. Odrejene nadure so omejene na 150 ur na leto (po dogovoru 416).","150 h / year ordered":"150 h / leto odrejenih","Self-employed (OSVČ)":"Samozaposleni (OSVČ)","Profit (income less actual or flat-rate expenses of 40–80%) is taxed at 15% / 23% less the taxpayer credit. Social insurance is 29.2% of 55% of profit (at least CZK 5,720 a month for a main activity) and health insurance 13.5% of 50% of profit (minimum based on half the average wage). A flat-tax regime (paušální daň) is an alternative and is not modelled.":"Dobiček (prihodki minus dejanski ali pavšalni stroški 40–80 %) je obdavčen s 15 % / 23 % minus olajšava za davkoplačevalca. Socialno zavarovanje je 29,2 % od 55 % dobička (najmanj 5.720 CZK na mesec za glavno dejavnost), zdravstveno zavarovanje pa 13,5 % od 50 % dobička (minimum na podlagi polovice povprečne plače). Pavšalni davčni režim (paušální daň) je alternativa in ni upoštevan.","Basic amount CZK 4,900 plus a percentage amount: your average earnings are reduced (99% up to CZK 21,546, 26% up to CZK 195,868, nothing above) and each year of insurance adds 1.495% (pensions awarded in 2026; falling to 1.45% and 90% by 2035). Minimum pension CZK 9,800. Pensions rise each January.":"Osnovni znesek 4.900 CZK in odstotni znesek: tvoj povprečni zaslužek se zmanjša (99 % do 21.546 CZK, 26 % do 195.868 CZK, nad tem nič), vsako leto zavarovanja pa doda 1,495 % (pokojnine, odmerjene v 2026; do 2035 pada na 1,45 % in 90 %). Najnižja pokojnina 9.800 CZK. Pokojnine se zvišajo vsak januar.","Age and years":"Starost in leta","You need 35 years of insurance. Pension age is 65 for people born up to 1965 and rises by one month per birth year to 67 for those born from 1989. An early pension is possible up to 3 years before with 40 years (reduced 1.5% of the base per 90 days); each 90 days worked after the age adds 1.5%.":"Potrebuješ 35 let zavarovanja. Upokojitvena starost je 65 za rojene do 1965 in se za vsako leto rojstva zviša za en mesec do 67 za rojene od 1989. Predčasna pokojnina je mogoča do 3 leta prej s 40 leti (znižanje 1,5 % osnove na 90 dni); vsakih 90 dni dela po tej starosti doda 1,5 %.","Supplementary pension savings (doplňkové penzijní spoření): the state adds 20% of monthly contributions between CZK 500 and 1,700, and contributions above that are tax-deductible. A pension paid for at least 10 years is tax-free; a lump sum pays 15% on the returns (shown here as about 5% of the balance).":"Dodatno pokojninsko varčevanje (doplňkové penzijní spoření): država doda 20 % mesečnih prispevkov med 500 in 1.700 CZK, prispevki nad tem pa so davčno odbitni. Pokojnina, izplačevana najmanj 10 let, je neobdavčena; enkratni znesek plača 15 % od donosov (tu prikazano kot približno 5 % stanja).","New Year’s Day / Restoration of the Czech State":"Novo leto / dan obnove češke države","Saints Cyril and Methodius":"Sv. Ciril in Metod","Jan Hus Day":"Dan Jana Husa","Czech Statehood Day":"Dan češke državnosti","Freedom and Democracy Day":"Dan boja za svobodo in demokracijo","At least 4 weeks of paid annual leave (5 weeks in the public sector, often 5 by collective agreement). Leave is counted in hours since 2021. Public holidays on a weekend are not moved.":"Najmanj 4 tedne plačanega letnega dopusta (5 tednov v javnem sektorju, po kolektivni pogodbi pogosto 5). Dopust se od 2021 šteje v urah. Prazniki na vikend se ne premaknejo.","28 weeks (37 for twins), from 6–8 weeks before the birth":"28 tednov (37 za dvojčke), od 6–8 tednov pred rojstvom","70% of the reduced daily assessment base (ČSSZ)":"70 % znižane dnevne odmerne osnove (ČSSZ)","2 weeks within 6 weeks of the birth":"2 tedna v 6 tednih po rojstvu","70% of the reduced daily base":"70 % znižane dnevne osnove","Parental leave and allowance":"Starševski dopust in dodatek","Until the child is 3; parental allowance up to CZK 350,000 in total, paid at a chosen pace":"Dokler otrok ne dopolni 3 let; starševski dodatek skupaj do 350.000 CZK, izplačan po izbranem tempu","Job protected":"Z varstvom zaposlitve","First 14 days paid by the employer, then sickness benefit from ČSSZ":"Prvih 14 dni plača delodajalec, nato nadomestilo za bolezen od ČSSZ","60% of reduced average earnings, rising to 72% after 60 days":"60 % znižanega povprečnega zaslužka, po 60 dneh 72 %","Dismissed for organisational reasons":"Odpoved iz organizacijskih razlogov","Ended by agreement for organisational reasons":"Sporazumno prenehanje iz organizacijskih razlogov","Notice and severance":"Odpovedni rok in odpravnina","The notice period is at least 2 months for both sides. On dismissal or agreement for organisational reasons, severance pay is one month’s average earnings with under 1 year of service, two months with 1–2 years and three months with 2 years or more (more by collective agreement). Severance is taxed but free of insurance.":"Odpovedni rok je za obe strani najmanj 2 meseca. Ob odpovedi ali sporazumu iz organizacijskih razlogov je odpravnina en povprečni mesečni zaslužek pri manj kot 1 letu delovne dobe, dva meseca pri 1–2 letih in trije meseci pri 2 letih ali več (po kolektivni pogodbi več). Odpravnina je obdavčena, vendar brez zavarovanja.","Unemployment benefit (from 2026)":"Nadomestilo za brezposelnost (od 2026)","80% of your previous average net earnings at first, then 50% and finally 40%: 5 months under 52, 8 months at 52–57 and 11 months over 57; at most 80% of the national average wage. The amount no longer depends on why the job ended; payments start after the months covered by severance. Benefits are tax-free.":"Sprva 80 % prejšnjega povprečnega neto zaslužka, nato 50 % in na koncu 40 %: 5 mesecev pod 52 leti, 8 mesecev pri 52–57 in 11 mesecev nad 57; največ 80 % nacionalne povprečne plače. Znesek ni več odvisen od razloga za prenehanje; izplačila se začnejo po mesecih, ki jih pokriva odpravnina. Nadomestila so neobdavčena.","A spouse with income under CZK 68,000 a year and a child under 3 gives an extra CZK 24,840 credit (not modelled).":"Zakonec z dohodkom pod 68.000 CZK na leto in otrok do 3. leta prineseta dodatno olajšavo 24.840 CZK (ni upoštevano).","Child tax credits are included in the tax above. Spouses file separately.":"Davčne olajšave za otroke so vključene v zgornji davek. Zakonca oddata ločeni napovedi.","28 weeks at 70% of reduced pay":"28 tednov s 70 % znižane plače","2 weeks at 70%":"2 tedna s 70 %","Until age 3, allowance up to CZK 350,000":"Do 3. leta, dodatek do 350.000 CZK","60% from day 1 (employer for 14 days)":"60 % od 1. dne (delodajalec 14 dni)","Annual tax for one employee with the 2026 rates, the taxpayer credit and child credits. The spouse credit, student and disability credits, and other deductions (mortgage interest, donations, unions) are not modelled.":"Letni davek za enega zaposlenega po stopnjah 2026, z olajšavo za davkoplačevalca in olajšavami za otroke. Olajšava za zakonca, olajšave za študente in invalidnost ter drugi odbitki (obresti stanovanjskega kredita, donacije, sindikati) niso upoštevani.","Official sources: Czech Social Security Administration (ČSSZ overview of 2026 figures), Labour Office of the Czech Republic (unemployment benefit changes from 1 January 2026), Ministry of Labour and Social Affairs, Financial Administration, Czech National Bank, Eurostat.":"Uradni viri: Češka uprava za socialno varnost (pregled podatkov ČSSZ za 2026), Urad za delo Češke republike (spremembe nadomestila za brezposelnost od 1. januarja 2026), Ministrstvo za delo in socialne zadeve, Finančna uprava, Češka narodna banka, Eurostat.","Income tax on CZK 50,000 a month, no children":"Dohodnina na 50.000 CZK na mesec, brez otrok","Employee insurance on CZK 50,000 a month":"Zavarovanje zaposlenega na 50.000 CZK na mesec","23% threshold for 2026 (per year)":"Prag 23 % za 2026 (na leto)","Pension, 40 years, average earnings CZK 40,000 (awarded 2026)":"Pokojnina, 40 let, povprečni zaslužek 40.000 CZK (odmerjena 2026)","Minimum old-age pension 2026":"Najnižja starostna pokojnina 2026","Severance after 5 years (months of pay)":"Odpravnina po 5 letih (mesečne plače)","Minimum monthly social insurance advance, main activity":"Najnižja mesečna akontacija socialnega zavarovanja, glavna dejavnost","Social security 18.5% (pension 10%, health 7%, labour market 1.5%)":"Socialna varnost 18,5 % (pokojnina 10 %, zdravstvo 7 %, trg dela 1,5 %)","Family allowance used against contributions":"Družinska olajšava, uporabljena za prispevke","Personal income tax 15%":"Dohodnina 15 %","Family tax allowance (base reduction)":"Družinska davčna olajšava (znižanje osnove)","Employer social contribution tax 13%":"Davek delodajalca za socialne prispevke 13 %","Social security 18.5% + social contribution tax 13%":"Socialna varnost 18,5 % + davek za socialne prispevke 13 %","Labour Code § 69":"Zakon o delu § 69","Hungary":"Madžarska","Mothers’ income-tax exemption":"Oprostitev dohodnine za matere","Not applicable":"Ne velja","Mother of 2 children, born 1986 or later":"Mati 2 otrok, rojena 1986 ali pozneje","Mother of 3 or more children":"Mati 3 ali več otrok","Income tax and allowances":"Dohodnina in olajšave","A flat 15%. The family allowance reduces the tax base per child each month by HUF 133,340 (1 child), 266,660 each (2 children) or 440,000 each (3 or more) in 2026; whatever cannot be used against tax reduces your contributions. People under 25 pay no income tax on pay up to HUF 715,765 a month, and mothers of three (from October 2025) or of two born from 1986 (from 2026) pay none at all.":"Pavšalnih 15 %. Družinska olajšava v 2026 vsak mesec zniža davčno osnovo na otroka za 133.340 HUF (1 otrok), po 266.660 HUF (2 otroka) ali po 440.000 HUF (3 ali več); kar ni mogoče uporabiti za davek, zniža tvoje prispevke. Osebe, mlajše od 25 let, na plačo do 715.765 HUF na mesec ne plačajo dohodnine, matere treh otrok (od oktobra 2025) ali dveh otrok, rojene od 1986 (od 2026), pa sploh ne.","Employees pay 18.5% social security (10% pension, 7% health, 1.5% labour market) with no ceiling; employers pay 13% social contribution tax. Minimum wage HUF 322,800 and guaranteed minimum wage HUF 373,200 a month in 2026.":"Zaposleni plačajo 18,5 % socialne varnosti (10 % pokojnina, 7 % zdravstvo, 1,5 % trg dela) brez meje; delodajalci plačajo 13 % davka za socialne prispevke. Minimalna plača 322.800 HUF in zajamčena minimalna plača 373.200 HUF na mesec v 2026.","Overtime pays 50% extra (or time off), 100% on a rest day without a day off in lieu; shift work after 18:00 pays 30% and night work 15% extra. Overtime is limited to 250 hours a year (up to 400 by agreement).":"Nadure se plačajo 50 % več (ali prosti čas), 100 % na dan počitka brez nadomestnega prostega dne; izmensko delo po 18:00 30 % in nočno delo 15 % več. Nadure so omejene na 250 ur na leto (po dogovoru do 400).","Flat-rate sole trader (átalányadó)":"Pavšalni samostojni podjetnik (átalányadó)","Income is revenue less a flat 40% cost ratio (80–90% for some trades and shops); income up to half the annual minimum wage is free of tax and contributions. Then 15% income tax, 18.5% social security (at least on the minimum wage) and 13% social contribution tax (at least on 112.5% of it).":"Dohodek je prihodek minus pavšalnih 40 % stroškov (80–90 % za nekatere obrti in trgovine); dohodek do polovice letne minimalne plače je oproščen davka in prispevkov. Nato 15 % dohodnine, 18,5 % socialne varnosti (najmanj od minimalne plače) in 13 % davka za socialne prispevke (najmanj od 112,5 % te).","From age 65. The pension is a percentage of your net average monthly earnings since 1988 (revalued): 43% for 15 years, 53% for 20, 63% for 25, 68% for 30, 74% for 36, 80% for 40 and 2% more for each further year. The part of the average above HUF 372,000 counts at 90% and above 421,000 at 80%. Minimum HUF 28,500.":"Od 65. leta. Pokojnina je odstotek tvojega neto povprečnega mesečnega zaslužka od 1988 (revaloriziranega): 43 % za 15 let, 53 % za 20, 63 % za 25, 68 % za 30, 74 % za 36, 80 % za 40 in 2 % več za vsako nadaljnje leto. Del povprečja nad 372.000 HUF šteje 90 %, nad 421.000 pa 80 %. Najmanj 28.500 HUF.","Pensions rise each January with expected inflation and a 13th monthly pension is paid in February. Women with 40 years of eligible time can retire at any age. Working beyond 65 without drawing the pension adds 0.5% a month. Pensions are not taxed.":"Pokojnine se vsak januar zvišajo s pričakovano inflacijo, februarja pa se izplača 13. pokojnina. Ženske s 40 leti upoštevne dobe se lahko upokojijo pri kateri koli starosti. Delo po 65. letu brez prejemanja pokojnine doda 0,5 % na mesec. Pokojnine niso obdavčene.","Voluntary pension fund (önkéntes nyugdíjpénztár): the state refunds 20% of contributions into the account (up to HUF 150,000 a year). Money taken at retirement age is tax-free; earlier withdrawals lose the credit.":"Prostovoljni pokojninski sklad (önkéntes nyugdíjpénztár): država na račun vrne 20 % prispevkov (do 150.000 HUF na leto). Denar, dvignjen pri upokojitveni starosti, je neobdavčen; prejšnji dvigi izgubijo olajšavo.","National Day (1848 revolution)":"Državni praznik (revolucija 1848)","1956 Revolution Day":"Dan revolucije 1956","20 working days of basic leave plus extra days by age (1 day from 25 rising to 10 days from 45), 2/4/7 days for 1/2/3+ children under 16, and 5 days for young workers under 18. Some bridge days are worked on a Saturday instead.":"20 delovnih dni osnovnega dopusta in dodatni dnevi glede na starost (1 dan od 25. leta do 10 dni od 45. leta), 2/4/7 dni za 1/2/3+ otroke do 16. leta in 5 dni za mlade delavce do 18. leta. Nekateri dnevi med prazniki se namesto tega odpracujejo na soboto.","Maternity leave (CSED)":"Porodniški dopust (CSED)","24 weeks":"24 tednov","100% of average daily earnings":"100 % povprečnega dnevnega zaslužka","Childcare fee (GYED)":"Nadomestilo za varstvo otroka (GYED)","After the 24 weeks until the child is 2":"Po 24 tednih, dokler otrok ne dopolni 2 let","70% of earnings (capped)":"70 % zaslužka (omejeno)","10 working days within 2 months of the birth":"10 delovnih dni v 2 mesecih po rojstvu","Extra leave for children":"Dodatni dopust za otroke","2 days (1 child), 4 (2) or 7 (3+) under 16 each year":"2 dneva (1 otrok), 4 (2) ali 7 (3+) do 16. leta vsako leto","15 working days a year paid by the employer, then sickness benefit":"15 delovnih dni na leto plača delodajalec, nato nadomestilo za bolezen","70%, then 50–60%":"70 %, nato 50–60 %","Dismissed by the employer (not for misconduct)":"Odpoved delodajalca (ne zaradi kršitve)","Notice is 30 days plus 5 days after 3 years, 15 after 5, 20 after 8, 25 after 10, 30 after 15, 40 after 18 and 60 after 20 years; at least half of it is free from work with pay. Severance is 1 month after 3 years, 2 after 5, 3 after 10, 4 after 15, 5 after 20 and 6 after 25 years, with up to 3 months more within 5 years of pension age.":"Odpovedni rok je 30 dni in 5 dni po 3 letih, 15 po 5, 20 po 8, 25 po 10, 30 po 15, 40 po 18 in 60 po 20 letih; vsaj polovica je prosta dela s plačo. Odpravnina je 1 mesec po 3 letih, 2 po 5, 3 po 10, 4 po 15, 5 po 20 in 6 po 25 letih, z do 3 meseci več v 5 letih pred upokojitveno starostjo.","Jobseeker’s allowance":"Nadomestilo za iskalce zaposlitve","60% of previous average earnings, at most the minimum wage (HUF 322,800 a month in 2026), for one day per 10 days insured in the last 3 years: at most 90 days.":"60 % prejšnjega povprečnega zaslužka, največ minimalna plača (322.800 HUF na mesec v 2026), en dan za vsakih 10 dni zavarovanja v zadnjih 3 letih: največ 90 dni.","Under 25 you pay no income tax on pay up to HUF 715,765 a month; contributions still apply.":"Do 25. leta na plačo do 715.765 HUF na mesec ne plačaš dohodnine; prispevki se še vedno plačajo.","If both parents work they can share the family allowance, which helps when one income is too low to use it fully.":"Če oba starša delata, lahko družinsko olajšavo delita, kar pomaga, ko je en dohodek prenizek za njeno polno izrabo.","The family tax allowance is included above; the monthly family allowance (családi pótlék) is not. Parents can share the allowance between them.":"Družinska davčna olajšava je vključena zgoraj; mesečni družinski dodatek (családi pótlék) ni. Starša lahko olajšavo delita med seboj.","24 weeks at 100%, then 70% until age 2":"24 tednov s 100 %, nato 70 % do 2. leta","10 working days":"10 delovnih dni","Until age 3 (GYED to 2, GYES flat to 3)":"Do 3. leta (GYED do 2., pavšalni GYES do 3.)","70% for 15 days, then 50–60%":"70 % 15 dni, nato 50–60 %","Annual tax for one employee with the 2026 rules, the family allowance (claimed by you alone), the under-25 exemption and the mothers’ exemptions. The first-marriage and personal (disability) allowances and the under-30 mothers’ allowance are not modelled.":"Letni davek za enega zaposlenega po pravilih 2026, z družinsko olajšavo (ki jo uveljavljaš samo ti), oprostitvijo za mlajše od 25 let in oprostitvami za matere. Olajšava ob prvi poroki, osebna olajšava (invalidnost) in olajšava za matere, mlajše od 30 let, niso upoštevane.","Official sources: National Tax and Customs Administration (NAV: tax-base allowances 2026), Hungarian State Treasury (pension calculation), Government Decree 426/2025 (minimum wages), Labour Code, Magyar Nemzeti Bank, Eurostat.":"Uradni viri: Nacionalna davčna in carinska uprava (NAV: olajšave davčne osnove 2026), Madžarska državna zakladnica (izračun pokojnine), vladna uredba 426/2025 (minimalne plače), Zakon o delu, Magyar Nemzeti Bank, Eurostat.","Net pay on HUF 700,000 a month, no children":"Neto plača na 700.000 HUF na mesec, brez otrok","Monthly tax saving of the family allowance, 2 children":"Mesečni davčni prihranek družinske olajšave, 2 otroka","Income tax at age 23 on HUF 600,000 a month":"Dohodnina pri 23 letih na 600.000 HUF na mesec","Pension, 40 years, net average HUF 500,000 (gross 751,880)":"Pokojnina, 40 let, neto povprečje 500.000 HUF (bruto 751.880)","Severance after 12 years at age 45 (months)":"Odpravnina po 12 letih pri starosti 45 (meseci)","Notice after 16 years (days)":"Odpovedni rok po 16 letih (dnevi)","Local transfer tax (0.1–3% set by each municipality; 3% used, as in Sofia)":"Lokalni davek na promet (0,1–3 %, določi ga vsaka občina; uporabljeno 3 %, kot v Sofiji)","Notary, registry and agency fees (estimate, about 1%)":"Notarske, registrske in agencijske pristojbine (ocena, približno 1 %)","No transfer tax; notary fee and land-registry state fee (estimate, about 0.6%)":"Brez davka na promet; notarska pristojbina in državna pristojbina za zemljiško knjigo (ocena, približno 0,6 %)","Real estate acquisition tax (abolished in 2020)":"Davek na pridobitev nepremičnin (odpravljen 2020)","Land registry entry fee":"Pristojbina za vpis v zemljiško knjigo","Valuation, contract and escrow (estimate)":"Cenitev, pogodba in fiduciarni račun (ocena)","Transfer duty 2% (first home under 35, value up to HUF 15 million: half the 4%)":"Dajatev na promet 2 % (prvi dom pod 35 let, vrednost do 15 milijonov HUF: polovica od 4 %)","Property transfer duty 4%":"Dajatev na promet nepremičnin 4 %","Lawyer and land registry (estimate, about 1%)":"Odvetnik in zemljiška knjiga (ocena, približno 1 %)","Mortgage interest is deductible from the tax base up to CZK 150,000 a year per household (loans from 2021), worth 15%":"Obresti stanovanjskega kredita so odbitne od davčne osnove do 150.000 CZK na leto na gospodinjstvo (krediti od 2021), vredno 15 %","Not modelled: only young married couples (under 35) with a child can deduct interest on the first €51,129 of a loan for their only home.":"Ni upoštevano: samo mladi zakonci (pod 35 let) z otrokom lahko odbijejo obresti na prvih 51.129 € kredita za svoj edini dom.","No interest relief is modelled.":"Olajšava za obresti ni upoštevana.","No tax relief on mortgage interest; subsidised loans (such as the 3% Otthon Start loan) are not modelled.":"Davčne olajšave za obresti stanovanjskega kredita ni; subvencionirani krediti (kot je 3-odstotni kredit Otthon Start) niso upoštevani.","Bulgarian National Bank, binding since October 2024: loan at most 85% of the value, payments at most 50% of net income, at most 30 years; banks may exceed the limits for a small share of loans.":"Bolgarska narodna banka, zavezujoče od oktobra 2024: kredit največ 85 % vrednosti, obroki največ 50 % neto dohodka, največ 30 let; banke lahko omejitve presežejo za majhen delež kreditov.","Eesti Pank: loan at most 85% of the value (90% with a state KredEx guarantee), payments at most 50% of net income at an interest rate of at least 6%, at most 30 years; 15% of loans may exceed.":"Eesti Pank: kredit največ 85 % vrednosti (90 % z državnim jamstvom KredEx), obroki največ 50 % neto dohodka pri obrestni meri najmanj 6 %, največ 30 let; 15 % kreditov lahko preseže.","Czech National Bank: binding loan-to-value limit of 80%, or 90% for buyers under 36 (shown here for first-time buyers); debt and payment ratios are only recommendations.":"Češka narodna banka: zavezujoča omejitev razmerja kredit/vrednost 80 % ali 90 % za kupce, mlajše od 36 let (tu prikazano za prve kupce); razmerji dolga in obrokov sta samo priporočili.","Magyar Nemzeti Bank: loan at most 80% of the value (90% for first-time buyers under 41); payments at most 50% of net income (60% for higher incomes with long fixed rates).":"Magyar Nemzeti Bank: kredit največ 80 % vrednosti (90 % za prve kupce, mlajše od 41 let); obroki največ 50 % neto dohodka (60 % za višje dohodke z dolgo fiksno obrestno mero).","PCC tax on a PLN 600,000 resale home (not a first home)":"Davek PCC na dom za 600.000 PLN v preprodaji (ne prvi dom)","ZUS social insurance 13.71% (pension 9.76%, disability 1.5%, sickness 2.45%)":"Socialno zavarovanje ZUS 13,71 % (pokojnina 9,76 %, invalidnost 1,5 %, bolezen 2,45 %)","Health insurance 9% (NFZ)":"Zdravstveno zavarovanje 9 % (NFZ)","Refund of unused child relief":"Vračilo neizrabljene olajšave za otroke","Income tax (PIT 12% / 32%)":"Dohodnina (PIT 12 % / 32 %)","Youth relief: income exempt under 26":"Olajšava za mlade: dohodek oproščen do 26. leta","Child tax relief":"Davčna olajšava za otroke","Employer contributions about 20.5%":"Prispevki delodajalca približno 20,5 %","ZUS social insurance + health insurance (sole proprietor)":"Socialno zavarovanje ZUS + zdravstveno zavarovanje (samostojni podjetnik)","2 weeks":"2 tedna","Severance (odprawa)":"Odpravnina (odprawa)","Labour Code art. 36":"Zakon o delu čl. 36","Poland":"Poljska","Tax form":"Oblika obdavčitve","Flat tax 19% (podatek liniowy)":"Pavšalni davek 19 % (podatek liniowy)","Tax scale 12% / 32%":"Davčna lestvica 12 % / 32 %","Lump sum on revenue 12% (e.g. IT services)":"Pavšal na prihodke 12 % (npr. storitve IT)","My employer has fewer than 20 employees (no statutory severance)":"Moj delodajalec ima manj kot 20 zaposlenih (brez zakonske odpravnine)","Income tax (PIT) 2026":"Dohodnina (PIT) 2026","12% up to PLN 120,000 a year and 32% above, less the tax-reducing amount of PLN 3,600 (a tax-free PLN 30,000). Standard employee costs of PLN 250 a month are deducted. People under 26 pay no PIT on employment income up to PLN 85,528 a year. Child relief: PLN 1,112.04 a year for each of the first two children (for one child only with income up to PLN 112,000), PLN 2,000.04 for the third and PLN 2,700 for each further child; unused relief is refunded up to your contributions.":"12 % do 120.000 PLN na leto in 32 % nad tem, minus znesek za znižanje davka 3.600 PLN (neobdavčenih 30.000 PLN). Odbijejo se standardni stroški zaposlenega 250 PLN na mesec. Osebe, mlajše od 26 let, ne plačajo PIT na dohodek iz zaposlitve do 85.528 PLN na leto. Olajšava za otroke: 1.112,04 PLN na leto za vsakega od prvih dveh otrok (za enega otroka le z dohodkom do 112.000 PLN), 2.000,04 PLN za tretjega in 2.700 PLN za vsakega nadaljnjega; neizrabljena olajšava se vrne do višine tvojih prispevkov.","ZUS and health insurance":"ZUS in zdravstveno zavarovanje","Employees pay 9.76% pension and 1.5% disability contributions up to PLN 282,600 a year (30 times the forecast average wage of PLN 9,420), 2.45% sickness and 9% health insurance on pay after ZUS; the health contribution is no longer deductible. Employers pay about 20.5% (pension 9.76%, disability 6.5%, accident about 1.67%, Labour Fund 2.45%, FGŚP 0.1%). Minimum wage PLN 4,806 a month.":"Zaposleni plačajo 9,76 % pokojninskih in 1,5 % invalidskih prispevkov do 282.600 PLN na leto (30-kratnik napovedane povprečne plače 9.420 PLN), 2,45 % za bolezen in 9 % zdravstvenega zavarovanja na plačo po ZUS; zdravstveni prispevek ni več odbiten. Delodajalci plačajo približno 20,5 % (pokojnina 9,76 %, invalidnost 6,5 %, nesreče približno 1,67 %, Sklad dela 2,45 %, FGŚP 0,1 %). Minimalna plača 4.806 PLN na mesec.","Overtime pays 50% extra, and 100% at night, on Sundays, on public holidays and on days off; night work adds 20% of the minimum hourly wage. Overtime is limited to 150 hours a year (up to 416 by agreement) and 48 hours a week on average.":"Nadure se plačajo 50 % več in 100 % ponoči, ob nedeljah, praznikih in prostih dnevih; nočno delo doda 20 % minimalne urne postavke. Nadure so omejene na 150 ur na leto (po dogovoru do 416) in povprečno 48 ur na teden.","Sole proprietor (JDG)":"Samostojni podjetnik (JDG)","Social ZUS is paid on PLN 5,652.60 a month in 2026 (about PLN 1,788 without the voluntary sickness insurance; reduced rates apply in the first years). Health insurance depends on the tax form: 9% of income on the scale, 4.9% with the 19% flat tax (deductible up to PLN 14,100), or fixed amounts with the lump sum; at least PLN 432.54 a month. VAT and reliefs for starting a business are not modelled.":"Socialni ZUS se v 2026 plača od 5.652,60 PLN na mesec (približno 1.788 PLN brez prostovoljnega zavarovanja za bolezen; v prvih letih veljajo znižane stopnje). Zdravstveno zavarovanje je odvisno od oblike obdavčitve: 9 % dohodka po lestvici, 4,9 % pri pavšalnem davku 19 % (odbitno do 14.100 PLN) ali fiksni zneski pri pavšalu; najmanj 432,54 PLN na mesec. DDV in olajšave za začetek poslovanja niso upoštevani.","ZUS old-age pension":"Starostna pokojnina ZUS","For people born after 1948 the pension is the indexed capital on your ZUS account and sub-account (19.52% of pay) divided by the average further life expectancy at your age (GUS table, e.g. 268.9 months at 60 and 222.7 at 65 from 1 April 2026). Pension age is 60 for women and 65 for men; each year you work longer raises the pension noticeably.":"Za rojene po 1948 je pokojnina indeksirani kapital na tvojem računu in podračunu ZUS (19,52 % plače), deljen s povprečno nadaljnjo življenjsko dobo pri tvoji starosti (tabela GUS, npr. 268,9 meseca pri 60 in 222,7 pri 65 od 1. aprila 2026). Upokojitvena starost je 60 za ženske in 65 za moške; vsako leto daljšega dela pokojnino opazno zviša.","Minimum, tax and extras":"Minimum, davek in dodatki","The minimum pension is PLN 1,978.49 from 1 March 2026 (after the 5.3% indexation), with 20 years of contributions for women and 25 for men. Pensions pay 9% health insurance and income tax on the scale. A 13th pension is paid every April and a 14th, income-tested, in the autumn.":"Najnižja pokojnina je od 1. marca 2026 1.978,49 PLN (po 5,3 % uskladitvi), z 20 leti prispevkov za ženske in 25 za moške. Pokojnine plačajo 9 % zdravstvenega zavarovanja in dohodnino po lestvici. 13. pokojnina se izplača vsak april, 14., odvisna od dohodka, pa jeseni.","Employee Capital Plans (PPK): you pay 2% of gross pay and your employer 1.5% (both can go up to 4%); the state adds PLN 250 at the start and PLN 240 a year. From age 60 you can take 25% at once and the rest in at least 120 monthly instalments without capital-gains tax (19% on gains otherwise). You can opt out.":"Zaposlitveni kapitalski načrti (PPK): plačaš 2 % bruto plače, delodajalec 1,5 % (oboje do 4 %); država doda 250 PLN na začetku in 240 PLN na leto. Od 60. leta lahko 25 % dvigneš takoj, ostalo pa v najmanj 120 mesečnih obrokih brez davka na kapitalske dobičke (sicer 19 % na dobičke). Lahko izstopiš.","Corpus Christi":"Sveto Rešnje telo","20 working days a year with under 10 years of seniority and 26 days after; school and university count towards the 10 years (up to 8 years for a degree). Christmas Eve has been a public holiday since 2025. A public holiday on a Saturday gives you another day off.":"20 delovnih dni na leto pri manj kot 10 letih delovne dobe in 26 dni potem; šola in univerza štejeta v 10 let (do 8 let za diplomo). Božični večer je praznik od 2025. Praznik na soboto ti da drug prost dan.","20 weeks":"20 tednov","100% of pay (or 81.5% for the whole year if chosen up front)":"100 % plače (ali 81,5 % za vse leto, če se izbere vnaprej)","41 weeks (9 of them reserved for each parent)":"41 tednov (od tega 9 rezerviranih za vsakega starša)","70% of pay (81.5% with the up-front option)":"70 % plače (81,5 % z vnaprejšnjo izbiro)","2 weeks until the child is 1":"2 tedna, dokler otrok ne dopolni 1 leta","100% of pay":"100 % plače","800+ child benefit":"Otroški dodatek 800+","PLN 800 a month for every child under 18":"800 PLN na mesec za vsakega otroka do 18. leta","Not taxed, not income-tested":"Neobdavčeno, ne glede na dohodek","First 33 days paid by the employer (14 from age 50), then ZUS sickness benefit":"Prve 33 dni plača delodajalec (14 od 50. leta), nato nadomestilo ZUS za bolezen","80% of pay (100% in pregnancy)":"80 % plače (100 % v nosečnosti)","Dismissed for reasons not concerning me (redundancy)":"Odpoved iz razlogov, ki niso na moji strani (presežnost)","Dismissed with notice for other reasons":"Odpoved z odpovednim rokom iz drugih razlogov","Notice for an open-ended contract is 2 weeks under 6 months of service, 1 month under 3 years and 3 months after that, for both sides. When an employer with 20 or more staff dismisses you for reasons not concerning you, severance (odprawa) is 1 month’s pay under 2 years, 2 months for 2–8 years and 3 months after 8 years, capped at 15 minimum wages (PLN 72,090). Severance is taxed but free of ZUS.":"Odpovedni rok za pogodbo za nedoločen čas je za obe strani 2 tedna pri manj kot 6 mesecih delovne dobe, 1 mesec pri manj kot 3 letih in 3 meseci potem. Ko te delodajalec z 20 ali več zaposlenimi odpusti iz razlogov, ki niso na tvoji strani, je odpravnina (odprawa) 1 mesečna plača pri manj kot 2 letih, 2 meseca pri 2–8 letih in 3 meseci po 8 letih, omejeno na 15 minimalnih plač (72.090 PLN). Odpravnina je obdavčena, vendar brez ZUS.","A flat benefit from the labour office after 365 days of work in the last 18 months: PLN 1,783.90 a month for the first 90 days and PLN 1,400.90 after (from 1 June 2026), 20% more with 20 years of work; usually for 6 months. After resigning without a good reason it starts after 90 days.":"Pavšalno nadomestilo zavoda za zaposlovanje po 365 dneh dela v zadnjih 18 mesecih: 1.783,90 PLN na mesec prvih 90 dni in 1.400,90 PLN potem (od 1. junija 2026), 20 % več z 20 leti dela; običajno 6 mesecev. Po lastni odpovedi brez utemeljenega razloga se začne po 90 dneh.","Under 26 you pay no PIT on pay up to PLN 85,528 a year (ZUS and health insurance still apply).":"Do 26. leta na plačo do 85.528 PLN na leto ne plačaš PIT (ZUS in zdravstveno zavarovanje se še vedno plačata).","If you commute from another town, employee costs rise to PLN 300 a month (not modelled).":"Če se voziš na delo iz drugega kraja, se stroški zaposlenega zvišajo na 300 PLN na mesec (ni upoštevano).","The 800+ benefit (PLN 800 a month per child under 18) is shown separately from pay. Married couples can file jointly, which lowers the tax when one earns much more than the other (not modelled here).":"Dodatek 800+ (800 PLN na mesec na otroka do 18. leta) je prikazan ločeno od plače. Zakonca lahko oddata skupno napoved, kar zniža davek, ko eden zasluži veliko več od drugega (tu ni upoštevano).","20 weeks at 100% + 41 weeks parental at 70% (or 81.5% throughout)":"20 tednov s 100 % + 41 tednov starševskega s 70 % (ali ves čas 81,5 %)","2 weeks at 100%":"2 tedna s 100 %","41 weeks shared (9 reserved per parent)":"41 tednov deljeno (9 rezerviranih na starša)","80% (employer 33 days, then ZUS)":"80 % (delodajalec 33 dni, nato ZUS)","Annual PIT, ZUS and health insurance for one employee on an employment contract (umowa o pracę) with the 2026 rules and standard costs. Joint filing, the relief for returning emigrants, working pensioners and families with 4+ children, and civil-law contracts are not modelled.":"Letni PIT, ZUS in zdravstveno zavarovanje za enega zaposlenega s pogodbo o zaposlitvi (umowa o pracę) po pravilih 2026 in s standardnimi stroški. Skupna napoved, olajšava za vrnjene izseljence, zaposlene upokojence in družine s 4+ otroki ter civilnopravne pogodbe niso upoštevani.","Official sources: Ministry of Finance (PIT Act, health-contribution deduction limit 2026), ZUS (contribution bases 2026, pension rules, minimum pension), GUS (life expectancy table from 1 April 2026), Ministry of Family, Labour and Social Policy (forecast average wage, minimum wage, unemployment benefit from 1 June 2026), Labour Code, KNF Recommendation S, Eurostat.":"Uradni viri: Ministrstvo za finance (zakon o PIT, omejitev odbitka zdravstvenega prispevka 2026), ZUS (prispevne osnove 2026, pokojninska pravila, najnižja pokojnina), GUS (tabela življenjske dobe od 1. aprila 2026), Ministrstvo za družino, delo in socialno politiko (napovedana povprečna plača, minimalna plača, nadomestilo za brezposelnost od 1. junija 2026), Zakon o delu, priporočilo KNF S, Eurostat.","Net pay on PLN 9,000 a month (no children, over 26)":"Neto plača na 9.000 PLN na mesec (brez otrok, nad 26 let)","PIT on a tax base of PLN 150,000":"PIT na davčno osnovo 150.000 PLN","PIT at age 24 on PLN 80,000 a year":"PIT pri 24 letih na 80.000 PLN na leto","Child relief for 2 children (per year)":"Olajšava za 2 otroka (na leto)","Maximum employee pension + disability contributions 2026":"Najvišji pokojninski + invalidski prispevki zaposlenega 2026","Pension from PLN 500,000 of capital at 65":"Pokojnina iz 500.000 PLN kapitala pri 65","Minimum pension from 1 March 2026":"Najnižja pokojnina od 1. marca 2026","Severance after 10 years (months of pay)":"Odpravnina po 10 letih (mesečne plače)","Unemployment benefit, first 90 days (per month)":"Nadomestilo za brezposelnost, prvih 90 dni (na mesec)","Sole proprietor social ZUS per month (without sickness)":"Socialni ZUS samostojnega podjetnika na mesec (brez bolezni)","800+ benefit, 2 children (per year)":"Dodatek 800+, 2 otroka (na leto)","Civil-law transactions tax: first home bought on the secondary market is exempt (since 2023)":"Davek na civilnopravne posle: prvi dom, kupljen na sekundarnem trgu, je oproščen (od 2023)","Civil-law transactions tax (PCC) 2% (resale home)":"Davek na civilnopravne posle (PCC) 2 % (dom v preprodaji)","Notary fee at the maximum tariff + 23% VAT (estimate; often negotiated lower)":"Notarska pristojbina po najvišji tarifi + 23 % DDV (ocena; pogosto se dogovori nižja)","Land and mortgage register court fees (PLN 200 + 200)":"Sodne takse za zemljiško in hipotekarno knjigo (200 PLN + 200)","No relief: the mortgage interest deduction ended for loans taken after 2006.":"Ni olajšave: odbitek obresti stanovanjskega kredita je prenehal za kredite, najete po 2006.","KNF Recommendation S: loan up to 80% of the value, or 90% with extra security such as low-deposit insurance; payments should not exceed 40% of net income (50% for above-average incomes). A state guarantee lets first-time buyers borrow with less own money.":"Priporočilo KNF S: kredit do 80 % vrednosti ali 90 % z dodatnim zavarovanjem, kot je zavarovanje nizkega pologa; obroki naj ne presegajo 40 % neto dohodka (50 % za nadpovprečne dohodke). Državno jamstvo prvim kupcem omogoča kredit z manj lastnega denarja.","Your PPK":"Tvoj PPK","Legal minimum annual leave after 6 months of service":"Zakonski minimum letnega dopusta po 6 mesecih delovne dobe","Maximum agent fee on a ¥40 million home":"Najvišja provizija agenta na dom za 40 milijonov ¥","Housing loan credit on a ¥30 million loan (income ¥8 million)":"Olajšava za stanovanjski kredit na kredit 30 milijonov ¥ (dohodek 8 milijonov ¥)","Mandatory rest days on weekdays in 2026":"Obvezni dnevi počitka na delavnike v 2026","Legal minimum paid holidays in the first year":"Zakonski minimum plačanega dopusta v prvem letu","Health insurance 4.925% + care insurance 0.81% + child-support levy 0.115% (Tokyo)":"Zdravstveno zavarovanje 4,925 % + zavarovanje za oskrbo 0,81 % + dajatev za podporo otrokom 0,115 % (Tokio)","Health insurance 4.925% + child-support levy 0.115% (Tokyo)":"Zdravstveno zavarovanje 4,925 % + dajatev za podporo otrokom 0,115 % (Tokio)","Employees’ pension insurance 9.15%":"Pokojninsko zavarovanje zaposlenih 9,15 %","Employment insurance 0.5%":"Zavarovanje za zaposlitev 0,5 %","Income tax (incl. 2.1% reconstruction surtax)":"Dohodnina (z 2,1 % dodatkom za obnovo)","Resident tax 10% (prefecture + city)":"Rezidenčni davek 10 % (prefektura + mesto)","Employment income after the employment income deduction":"Dohodek iz zaposlitve po odbitku za dohodek iz zaposlitve","Bonuses included in your yearly pay":"Bonusi, vključeni v tvojo letno plačo","Employer social insurance (about 16%)":"Socialno zavarovanje delodajalca (približno 16 %)","Basic pension {k} a month ({y} of 40 years) plus the employees’ pension {h} (5.481/1000 of your average monthly pay up to ¥650,000, times the months insured, in today’s money). The pension starts at 65; from 60 it is cut by 0.4% a month and up to 75 it rises by 0.7% a month (factor {f}). You need 10 years of coverage. Income tax and resident tax are deducted; health and long-term care premiums set by your city (often ¥10,000–20,000 a month) are not.":"Osnovna pokojnina {k} na mesec ({y} od 40 let) in pokojnina zaposlenih {h} (5,481/1000 tvoje povprečne mesečne plače do 650.000 ¥, krat zavarovani meseci, v današnjem denarju). Pokojnina se začne pri 65; od 60 je znižana za 0,4 % na mesec, do 75 pa se zviša za 0,7 % na mesec (faktor {f}). Potrebuješ 10 let zavarovanja. Dohodnina in rezidenčni davek se odštejeta; premije za zdravstvo in dolgotrajno oskrbo, ki jih določi tvoje mesto (pogosto 10.000–20.000 ¥ na mesec), pa ne.","National pension + national health insurance (Edogawa ward rates)":"Nacionalna pokojnina + nacionalno zdravstveno zavarovanje (stopnje okrožja Edogawa)","30 days (or 30 days’ pay)":"30 dni (ali 30 dni plače)","Labour Standards Act art. 20":"Zakon o delovnih standardih čl. 20","Pay in lieu of 30 days’ notice (taxed as retirement income)":"Plačilo namesto 30-dnevnega odpovednega roka (obdavčeno kot dohodek ob upokojitvi)","2 weeks (Civil Code art. 627), often 1 month by work rules":"2 tedna (civilni zakonik čl. 627), po delovnih pravilih pogosto 1 mesec","{y} a day for {d} days (about 50–80% of your daily wage, tax-free){r}":"{y} na dan za {d} dni (približno 50–80 % tvoje dnevne plače, neobdavčeno){r}",", starting after a 7-day wait and a 1-month restriction":", z začetkom po 7-dnevnem čakanju in 1-mesečni omejitvi","Age when leaving":"Starost ob odhodu","Resigned (any age)":"Lastna odpoved (katera koli starost)","Coming of Age Day":"Dan polnoletnosti","National Foundation Day":"Dan ustanovitve države","Emperor’s Birthday":"Cesarjev rojstni dan","Vernal Equinox Day":"Dan spomladanskega enakonočja","Shōwa Day":"Dan Šōwa","Constitution Memorial Day":"Dan spomina na ustavo","Greenery Day":"Dan zelenja","Children’s Day":"Dan otrok","Marine Day":"Dan morja","Mountain Day":"Dan gora","Respect for the Aged Day":"Dan spoštovanja starejših","Autumnal Equinox Day":"Dan jesenskega enakonočja","Sports Day":"Dan športa","Culture Day":"Dan kulture","Labour Thanksgiving Day":"Dan zahvale za delo","Substitute holiday":"Nadomestni praznik","Citizens’ holiday (between two holidays)":"Državljanski praznik (med dvema praznikoma)","Japan":"Japonska","National income tax runs from 5% to 45% (5% up to ¥1.95m, 10% to ¥3.3m, 20% to ¥6.95m, 23% to ¥9m, 33% to ¥18m, 40% to ¥40m), plus a 2.1% reconstruction surtax. For 2026 and 2027 the employment income deduction is at least ¥740,000 and the basic deduction is ¥1,040,000 for income up to ¥4.89m (¥670,000 up to ¥6.55m, ¥620,000 above), so pay of up to ¥1.78m is tax-free; the new amounts apply in the year-end adjustment from December 2026. Children under 16 give no deduction (child allowance is paid instead).":"Državna dohodnina znaša od 5 % do 45 % (5 % do 1,95 mio ¥, 10 % do 3,3 mio ¥, 20 % do 6,95 mio ¥, 23 % do 9 mio ¥, 33 % do 18 mio ¥, 40 % do 40 mio ¥) in 2,1 % dodatek za obnovo. Za 2026 in 2027 je odbitek za dohodek iz zaposlitve najmanj 740.000 ¥, osnovni odbitek pa 1.040.000 ¥ za dohodek do 4,89 mio ¥ (670.000 ¥ do 6,55 mio ¥, 620.000 ¥ nad tem), zato je plača do 1,78 mio ¥ neobdavčena; novi zneski veljajo pri letni poravnavi od decembra 2026. Otroci do 16. leta ne dajo odbitka (namesto tega se izplačuje otroški dodatek).","Resident tax":"Rezidenčni davek","Prefecture and city together take 10% of income after a ¥430,000 basic deduction, plus about ¥5,000 a year per person. It is charged on the previous year’s income and taken from pay from June; this calculator applies it to the same year.":"Prefektura in mesto skupaj vzameta 10 % dohodka po osnovnem odbitku 430.000 ¥ in približno 5.000 ¥ na leto na osebo. Obračuna se od dohodka prejšnjega leta in se od junija odteguje od plače; ta kalkulator ga uporabi za isto leto.","Employee and employer each pay half of health insurance (9.85% in Tokyo with Kyokai Kenpo from March 2026), care insurance (1.62%, ages 40–64), the new child-support levy (0.23% from April 2026) and employees’ pension (18.3%), on standard monthly pay grades: up to ¥1.39m a month for health and ¥650,000 for pension; bonuses count up to ¥5.73m a year (health) and ¥1.5m a payment (pension). Employment insurance is 0.5% for the employee and 0.85% for the employer.":"Zaposleni in delodajalec plačata vsak polovico zdravstvenega zavarovanja (9,85 % v Tokiu s Kyokai Kenpo od marca 2026), zavarovanja za oskrbo (1,62 %, starost 40–64), nove dajatve za podporo otrokom (0,23 % od aprila 2026) in pokojnine zaposlenih (18,3 %), na standardne mesečne plačne razrede: do 1,39 mio ¥ na mesec za zdravstvo in 650.000 ¥ za pokojnino; bonusi štejejo do 5,73 mio ¥ na leto (zdravstvo) in 1,5 mio ¥ na izplačilo (pokojnina). Zavarovanje za zaposlitev je 0,5 % za zaposlenega in 0,85 % za delodajalca.","Labour Standards Act":"Zakon o delovnih standardih","Overtime beyond 8 hours a day or 40 a week pays at least 25% extra, and 50% for overtime above 60 hours a month; night work (22:00–05:00) adds 25% and work on the weekly legal day off 35%. With a labour-management agreement (article 36) overtime is limited to 45 hours a month and 360 a year (up to 720 in special cases).":"Nadure nad 8 ur na dan ali 40 na teden se plačajo najmanj 25 % več, nadure nad 60 ur na mesec pa 50 %; nočno delo (22:00–05:00) doda 25 % in delo na tedenski zakonski prosti dan 35 %. S sporazumom med delodajalcem in delavci (člen 36) so nadure omejene na 45 ur na mesec in 360 na leto (v posebnih primerih do 720).","45 h / month, 360 h / year":"45 h / mesec, 360 h / leto","Sole proprietor (kojin jigyō)":"Samostojni podjetnik (kojin jigyō)","You pay the flat national pension (¥17,920 a month from April 2026) and national health insurance set by your city; the Edogawa ward (Tokyo) rates for 2026 are used: 7.83% + 2.84% + 0.27% of income above ¥430,000 plus per-person amounts, and 2.45% more at ages 40–64. With a blue return filed online you deduct ¥650,000. Most services also pay 5% business tax on income above ¥2.9m. Consumption tax applies above ¥10m of sales (not modelled).":"Plačuješ pavšalno nacionalno pokojnino (17.920 ¥ na mesec od aprila 2026) in nacionalno zdravstveno zavarovanje, ki ga določi tvoje mesto; uporabljene so stopnje okrožja Edogawa (Tokio) za 2026: 7,83 % + 2,84 % + 0,27 % dohodka nad 430.000 ¥ in zneski na osebo ter še 2,45 % pri starosti 40–64. Z modro napovedjo, oddano po spletu, odbiješ 650.000 ¥. Večina storitev plača tudi 5 % poslovnega davka na dohodek nad 2,9 mio ¥. Davek na potrošnjo velja nad 10 mio ¥ prodaje (ni upoštevano).","Basic and employees’ pension":"Osnovna pokojnina in pokojnina zaposlenih","Everyone gets the basic pension: ¥70,608 a month in fiscal year 2026 for 40 years of coverage, less for fewer years (at least 10 needed). Employees add the earnings-related employees’ pension, about 5.481/1000 of average monthly pay (incl. bonuses) for each month insured. Pensions rose 1.9% (basic) and 2.0% (employees’) in April 2026.":"Vsakdo dobi osnovno pokojnino: 70.608 ¥ na mesec v fiskalnem letu 2026 za 40 let zavarovanja, manj za manj let (potrebnih je najmanj 10). Zaposleni dodajo pokojnino zaposlenih, vezano na zaslužek, približno 5,481/1000 povprečne mesečne plače (z bonusi) za vsak zavarovani mesec. Pokojnine so se aprila 2026 zvišale za 1,9 % (osnovna) in 2,0 % (zaposlenih).","Age, early and deferred claims":"Starost, predčasna in odložena uveljavitev","The normal age is 65. You can claim from 60 with a cut of 0.4% for each month early (24% at 60) or defer up to 75 for 0.7% more per month (84% at 75). Pensions are taxed after the public pension deduction (at least ¥1.1m from 65).":"Redna starost je 65. Pokojnino lahko uveljaviš od 60 z znižanjem 0,4 % za vsak mesec prej (24 % pri 60) ali jo odložiš do 75 za 0,7 % več na mesec (84 % pri 75). Pokojnine so obdavčene po odbitku za javne pokojnine (najmanj 1,1 mio ¥ od 65).","iDeCo and company DC contributions are fully deductible from income tax and resident tax (not from social insurance). From December 2026 the limit for employees is ¥62,000 a month including your employer’s DC contributions (it was ¥23,000 without a company plan).":"Prispevki v iDeCo in podjetniški DC so v celoti odbitni od dohodnine in rezidenčnega davka (ne od socialnega zavarovanja). Od decembra 2026 je omejitev za zaposlene 62.000 ¥ na mesec, vključno s prispevki DC delodajalca (prej 23.000 ¥ brez podjetniškega načrta).","iDeCo is a personal defined-contribution pension: contributions reduce income and resident tax, gains are tax-free, and the money is locked until 60. Taken as a lump sum it is taxed as retirement income after a deduction of ¥400,000 a year of membership (¥700,000 after 20 years), so most savers pay little or no tax; shown here as tax-free. Gains in a taxable account pay 20.315%.":"iDeCo je osebna pokojnina z določenimi prispevki: prispevki znižajo dohodnino in rezidenčni davek, dobički so neobdavčeni, denar pa je zaklenjen do 60. leta. Dvignjen v enkratnem znesku je obdavčen kot dohodek ob upokojitvi po odbitku 400.000 ¥ na leto članstva (700.000 ¥ po 20 letih), zato večina varčevalcev plača malo ali nič davka; tu prikazano kot neobdavčeno. Dobički na obdavčljivem računu plačajo 20,315 %.","10 days of paid leave after 6 months of service, rising by 1–2 days a year to 20 days after 6½ years; unused days carry over for 2 years, and employers must make sure you take at least 5 days a year. Public holidays falling on a Sunday move to the next working day, and a day between two holidays is also a holiday. Many companies also close from 29 December to 3 January (not a legal holiday).":"10 dni plačanega dopusta po 6 mesecih delovne dobe, ki se vsako leto zvišajo za 1–2 dni do 20 dni po 6½ leta; neizrabljeni dnevi se prenesejo za 2 leti, delodajalci pa morajo poskrbeti, da izrabiš vsaj 5 dni na leto. Prazniki, ki padejo na nedeljo, se premaknejo na naslednji delovni dan, dan med dvema praznikoma je prav tako praznik. Veliko podjetij je zaprtih tudi od 29. decembra do 3. januarja (ni zakonski praznik).","6 weeks before and 8 weeks after the birth":"6 tednov pred rojstvom in 8 tednov po njem","Two thirds of pay from health insurance, plus a ¥500,000 childbirth lump sum":"Dve tretjini plače iz zdravstvenega zavarovanja in enkratni znesek ob porodu 500.000 ¥","Childcare leave":"Dopust za nego otroka","Each parent until the child is 1 (up to 2 without a daycare place); fathers can also take up to 4 weeks in the first 8 weeks":"Vsak starš, dokler otrok ne dopolni 1 leta (do 2, če ni prostega mesta v vrtcu); očetje lahko vzamejo tudi do 4 tedne v prvih 8 tednih","67% of pay for 180 days, then 50% (tax- and premium-free); 80% for up to 28 days when both parents take leave":"67 % plače 180 dni, nato 50 % (brez davka in premij); 80 % do 28 dni, ko dopust vzameta oba starša","Child allowance":"Otroški dodatek","¥15,000 a month under 3 and ¥10,000 from 3 to 18 (¥30,000 from the third child), no income limit":"15.000 ¥ na mesec do 3. leta in 10.000 ¥ od 3. do 18. leta (30.000 ¥ od tretjega otroka), brez dohodkovne omejitve","Not taxed, paid every two months":"Neobdavčen, izplačan vsaka dva meseca","Sickness benefit":"Nadomestilo za bolezen","From the 4th day off sick, for up to 1½ years (no statutory sick pay from the employer)":"Od 4. dne bolezni, do 1½ leta (brez zakonskega bolniškega nadomestila delodajalca)","Two thirds of pay from health insurance":"Dve tretjini plače iz zdravstvenega zavarovanja","Dismissed by the employer (company reasons)":"Odpoved delodajalca (razlogi podjetja)","Dismissal and notice":"Odpoved in odpovedni rok","A dismissal needs an objectively reasonable cause, or it is void (Labour Contract Act art. 16). The employer must give 30 days’ notice or 30 days’ average pay. There is no statutory severance pay; many companies pay a retirement allowance under their own rules, which is taxed lightly as retirement income (deduction of ¥400,000 a year of service, ¥700,000 after 20 years, half of the rest taxed).":"Odpoved potrebuje objektivno razumen razlog, sicer je nična (zakon o pogodbah o zaposlitvi čl. 16). Delodajalec mora dati 30-dnevni odpovedni rok ali 30 dni povprečne plače. Zakonske odpravnine ni; veliko podjetij po lastnih pravilih plača odpravnino ob upokojitvi, ki je kot dohodek ob upokojitvi blago obdavčena (odbitek 400.000 ¥ na leto delovne dobe, 700.000 ¥ po 20 letih, polovica ostanka obdavčena).","The basic allowance is 50–80% of your average daily wage of the last 6 months (45–80% at 60–64), from 1 August 2026 between ¥2,562 and ¥9,110 a day depending on age. After a dismissal it lasts 90–330 days by age and years insured; after resigning 90–150 days, starting after a 1-month restriction.":"Osnovno nadomestilo je 50–80 % tvoje povprečne dnevne plače zadnjih 6 mesecev (45–80 % pri 60–64), od 1. avgusta 2026 med 2.562 ¥ in 9.110 ¥ na dan glede na starost. Po odpovedi delodajalca traja 90–330 dni glede na starost in leta zavarovanja; po lastni odpovedi 90–150 dni, z začetkom po 1-mesečni omejitvi.","Up to ¥1.78m of pay a year there is no income tax in 2026 and 2027.":"Do 1,78 mio ¥ plače na leto v 2026 in 2027 ni dohodnine.","iDeCo contributions cut both income tax and resident tax; from December 2026 employees can put in up to ¥62,000 a month.":"Prispevki v iDeCo znižajo dohodnino in rezidenčni davek; od decembra 2026 lahko zaposleni vplačajo do 62.000 ¥ na mesec.","Child allowance is shown separately (¥10,000 a month per child aged 3–18, ¥15,000 under 3, ¥30,000 from the third child). Spouses file separately; the spouse and dependant deductions for a low-earning spouse or children aged 16–22 are not modelled.":"Otroški dodatek je prikazan ločeno (10.000 ¥ na mesec na otroka v starosti 3–18 let, 15.000 ¥ do 3. leta, 30.000 ¥ od tretjega otroka). Zakonca oddata ločeni napovedi; odbitka za zakonca in vzdrževane osebe za zakonca z nizkim zaslužkom ali otroke v starosti 16–22 let nista upoštevana.","30 days’ pay in lieu of notice":"30 dni plače namesto odpovednega roka","14 weeks at two thirds of pay, then childcare leave at 67% / 50% until age 1":"14 tednov z dvema tretjinama plače, nato dopust za nego otroka s 67 % / 50 % do 1. leta","Up to 4 weeks after the birth at 67% (80% with the 2025 top-up)":"Do 4 tedne po rojstvu s 67 % (80 % z dopolnitvijo 2025)","Each parent until the child is 1 (up to 2)":"Vsak starš, dokler otrok ne dopolni 1 leta (do 2)","Two thirds from health insurance from day 4":"Dve tretjini iz zdravstvenega zavarovanja od 4. dne","Annual tax and premiums for one employee in Tokyo (Kyokai Kenpo rates) with the 2026 deductions; resident tax is applied to the same year although it is charged a year later. Spouse and dependant deductions, the hometown tax donation (furusato nōzei), housing loan credit in the salary view, company health insurance societies with other rates and the 2026 change from March to April in the premiums are not modelled.":"Letni davek in premije za enega zaposlenega v Tokiu (stopnje Kyokai Kenpo) z odbitki 2026; rezidenčni davek je uporabljen za isto leto, čeprav se obračuna leto pozneje. Odbitka za zakonca in vzdrževane osebe, donacija domačemu kraju (furusato nōzei), olajšava za stanovanjski kredit v pogledu plače, podjetniška zdravstvena združenja z drugimi stopnjami in sprememba premij iz marca v april 2026 niso upoštevani.","Official sources: National Tax Agency (Tax Answer 1199 basic deduction and 1410 employment income deduction, 2026), Ministry of Finance (FY2026 tax reform outline), Ministry of Internal Affairs and city notices (resident tax), Japan Health Insurance Association (Tokyo premium table from March 2026), Ministry of Health, Labour and Welfare (pension amounts FY2026, employment insurance rate FY2026, basic allowance from 1 August 2026, child allowance, 2025 abridged life table), Japan Pension Service, Edogawa City (national health insurance 2026), Statistics Bureau (Family Income and Expenditure Survey 2025, Housing and Land Survey 2023), Ministry of Land, Infrastructure, Transport and Tourism (housing loan tax credit).":"Uradni viri: Nacionalna davčna agencija (Tax Answer 1199 osnovni odbitek in 1410 odbitek za dohodek iz zaposlitve, 2026), Ministrstvo za finance (oris davčne reforme FY2026), Ministrstvo za notranje zadeve in obvestila mest (rezidenčni davek), Japonsko združenje za zdravstveno zavarovanje (tabela premij za Tokio od marca 2026), Ministrstvo za zdravje, delo in socialno varstvo (zneski pokojnin FY2026, stopnja zavarovanja za zaposlitev FY2026, osnovno nadomestilo od 1. avgusta 2026, otroški dodatek, skrajšana tabela umrljivosti 2025), Japonska pokojninska služba, mesto Edogawa (nacionalno zdravstveno zavarovanje 2026), Statistični urad (raziskava družinskih dohodkov in izdatkov 2025, raziskava stanovanj in zemljišč 2023), Ministrstvo za zemljišča, infrastrukturo, promet in turizem (davčna olajšava za stanovanjski kredit).","Income tax on a taxable income of ¥5,000,000":"Dohodnina na obdavčljivi dohodek 5.000.000 ¥","Employment income on pay of ¥5,000,000 (2026)":"Dohodek iz zaposlitve pri plači 5.000.000 ¥ (2026)","Employment income on pay of ¥1,500,000 (2026)":"Dohodek iz zaposlitve pri plači 1.500.000 ¥ (2026)","Basic deduction 2026, total income ¥3,000,000":"Osnovni odbitek 2026, skupni dohodek 3.000.000 ¥","Monthly employee premiums on ¥300,000, age 35 (health + child levy + pension)":"Mesečne premije zaposlenega na 300.000 ¥, starost 35 (zdravstvo + dajatev za otroke + pokojnina)","Monthly employee premiums on ¥500,000, age 45 (incl. care insurance)":"Mesečne premije zaposlenega na 500.000 ¥, starost 45 (z zavarovanjem za oskrbo)","Maximum monthly employee pension premium":"Najvišja mesečna pokojninska premija zaposlenega","Full basic pension, fiscal year 2026 (per month)":"Polna osnovna pokojnina, fiskalno leto 2026 (na mesec)","Daily basic allowance on a daily wage of ¥9,000 (under 60)":"Dnevno osnovno nadomestilo pri dnevni plači 9.000 ¥ (pod 60 let)","Maximum daily basic allowance, age 30–44":"Najvišje dnevno osnovno nadomestilo, starost 30–44","Benefit days after a dismissal, age 50, 25 years insured":"Dnevi nadomestila po odpovedi, starost 50, 25 let zavarovanja","Child allowance, 2 children aged 3–18 (per year)":"Otroški dodatek, 2 otroka v starosti 3–18 let (na leto)","National pension contributions, fiscal year 2026 (per year)":"Prispevki za nacionalno pokojnino, fiskalno leto 2026 (na leto)","IMSS quota (paid by your employer at the minimum wage)":"Kvota IMSS (pri minimalni plači jo plača delodajalec)","IMSS social security, employee share (about 2.4%)":"Socialna varnost IMSS, delež zaposlenega (približno 2,4 %)","ISR income tax on the monthly salary (after the employment subsidy)":"Dohodnina ISR na mesečno plačo (po subvenciji za zaposlitev)","ISR on the aguinaldo and bonuses (30 UMA of aguinaldo exempt)":"ISR na aguinaldo in bonuse (30 UMA aguinalda oproščenih)","Aguinaldo (year-end bonus) included in your yearly pay":"Aguinaldo (bonus ob koncu leta), vključen v tvojo letno plačo","Vacation premium (25% of 12 holiday days, paid on top)":"Premija za dopust (25 % 12 dni dopusta, izplačana dodatno)","Employment subsidy credited against your ISR (per year)":"Subvencija za zaposlitev, odšteta od tvojega ISR (na leto)","Employer IMSS, retirement (SAR) and Infonavit housing 5%":"IMSS delodajalca, upokojitev (SAR) in stanovanjski Infonavit 5 %"," You started contributing before July 1997, so you can choose the 1973-law pension instead (based on your last 250 weeks of salary), which is often higher; it is not modelled.":" Tvoji prispevki so se začeli pred julijem 1997, zato lahko namesto tega izbereš pokojnino po zakonu iz 1973 (na podlagi zadnjih 250 tednov plače), ki je pogosto višja; ni upoštevana.","AFORE account: about {b} saved (2% retirement + the employer’s old-age quota, rising to 2030, + your 1.125%, at a 3% real return), paid as {a} a month over your expected {n} years. You need age 60 (65 for old age) and {w} weeks in {y} (you have about {k}).{f} From 65 everyone also gets the Pensión Bienestar of MXN 3,200 a month (MXN 6,400 every two months).{l}":"Račun AFORE: prihranjeno približno {b} (2 % za upokojitev + delodajalčeva starostna kvota, ki raste do 2030, + tvojih 1,125 %, pri 3 % realnem donosu), izplačano kot {a} na mesec v pričakovanih {n} letih. Potrebuješ starost 60 (65 za starostno) in {w} tednov v letu {y} (imaš jih približno {k}).{f} Od 65. leta vsakdo dobi tudi Pensión Bienestar v višini 3.200 MXN na mesec (6.400 MXN vsaka dva meseca).{l}"," The Pension Fund for Wellbeing tops this up to your last salary ({p}, up to MXN 17,885.85 in 2026).":" Pokojninski sklad za blaginjo to dopolni do tvoje zadnje plače ({p}, do 17.885,85 MXN v 2026).","No compulsory social security (voluntary IMSS not included)":"Brez obvezne socialne varnosti (prostovoljni IMSS ni vključen)","Constitutional indemnity (3 months of integrated pay)":"Ustavna odškodnina (3 mesece integrirane plače)","20 days per year of service (when the employer refuses reinstatement)":"20 dni na leto delovne dobe (ko delodajalec zavrne vrnitev na delo)","Seniority premium (12 days a year, pay capped at 2 minimum wages)":"Premija za delovno dobo (12 dni na leto, plača omejena na 2 minimalni plači)","Seniority premium (12 days a year, after 15 years)":"Premija za delovno dobo (12 dni na leto, po 15 letih)","Holidays":"Dopust","Dismissal without cause":"Odpoved brez razloga","None required (written notice of the reason)":"Ni zahtevan (pisno obvestilo o razlogu)","LFT art. 47":"LFT čl. 47","No federal unemployment insurance: you can withdraw part of your AFORE (retiro por desempleo), and Mexico City pays a local unemployment insurance":"Zveznega zavarovanja za brezposelnost ni: del AFORE lahko dvigneš (retiro por desempleo), Ciudad de México pa plačuje lokalno zavarovanje za brezposelnost","Mexico":"Mehika","Tax regime":"Davčni režim","RESICO simplified regime (1%–2.5% of revenue, up to MXN 3.5m)":"Poenostavljeni režim RESICO (1–2,5 % prihodkov, do 3,5 mio MXN)","Business and professional activity (tax on profit)":"Poslovna in poklicna dejavnost (davek na dobiček)","Include 20 days per year (employer refuses reinstatement)":"Vključi 20 dni na leto (delodajalec zavrne vrnitev na delo)","ISR income tax 2026":"Dohodnina ISR 2026","Employers withhold ISR each month with the 2026 tariff (Anexo 8, updated by 13.21% for inflation): 1.92% on the first MXN 844.59 rising to 35% above MXN 425,642 a month. The employment subsidy (MXN 535.65 a month for pay up to MXN 11,492.66) reduces the tax but is not paid out. The aguinaldo is tax-free up to 30 UMA (MXN 3,519.30) and the vacation premium up to 15 UMA.":"Delodajalci vsak mesec odtegnejo ISR po tarifi 2026 (Anexo 8, usklajeno z inflacijo za 13,21 %): 1,92 % na prvih 844,59 MXN do 35 % nad 425.642 MXN na mesec. Subvencija za zaposlitev (535,65 MXN na mesec za plače do 11.492,66 MXN) zniža davek, vendar se ne izplača. Aguinaldo je neobdavčen do 30 UMA (3.519,30 MXN), premija za dopust pa do 15 UMA.","IMSS, AFORE and Infonavit":"IMSS, AFORE in Infonavit","Contributions use the integrated daily wage (salary plus aguinaldo and vacation premium, capped at 25 UMA = MXN 2,932.75 a day). Employees pay about 2.4% (plus 0.4% above 3 UMA). Employers pay much more: health, disability, childcare, 2% retirement plus an old-age quota rising every year until 2030 (up to 7.513% in 2026), and 5% to Infonavit for housing; states add a payroll tax of about 3%. Minimum wage MXN 315.04 a day (MXN 440.87 in the northern border zone).":"Prispevki uporabljajo integrirano dnevno plačo (plača z aguinaldom in premijo za dopust, omejeno na 25 UMA = 2.932,75 MXN na dan). Zaposleni plačajo približno 2,4 % (in 0,4 % nad 3 UMA). Delodajalci plačajo precej več: zdravstvo, invalidnost, varstvo otrok, 2 % za upokojitev in starostno kvoto, ki raste vsako leto do 2030 (do 7,513 % v 2026), ter 5 % Infonavitu za stanovanja; zvezne države dodajo davek na plače približno 3 %. Minimalna plača 315,04 MXN na dan (440,87 MXN v severnem obmejnem pasu).","Aguinaldo and holidays":"Aguinaldo in dopust","Every employee gets an aguinaldo of at least 15 days’ pay before 20 December (shown as 12.5 salaries a year; many employers pay 30 days), and a vacation premium of at least 25% of holiday pay.":"Vsak zaposleni pred 20. decembrom dobi aguinaldo v višini najmanj 15 dni plače (prikazano kot 12,5 plače na leto; veliko delodajalcev plača 30 dni) in premijo za dopust v višini najmanj 25 % nadomestila za dopust.","Federal Labour Law":"Zvezni zakon o delu","The legal week is 48 hours in 2026; the constitutional reform of March 2026 cuts it by 2 hours a year from 2027 to 40 hours in 2030. The first 9 overtime hours a week (at most 3 a day, 3 times a week) are paid double and any further hours triple; from 2027 up to 12 overtime hours a week are allowed. Sunday work earns a 25% premium, and work on a rest day or public holiday is paid triple.":"Zakonski teden ima v 2026 48 ur; ustavna reforma iz marca 2026 ga od 2027 vsako leto skrajša za 2 uri do 40 ur v 2030. Prvih 9 nadur na teden (največ 3 na dan, 3-krat na teden) se plača dvojno, vse nadaljnje pa trojno; od 2027 je dovoljenih do 12 nadur na teden. Delo ob nedeljah prinese 25 % dodatka, delo na dan počitka ali praznik pa se plača trojno.","Half of double-time overtime is tax-free up to 5 UMA a week (all of it for minimum-wage earners); not applied in this calculator.":"Polovica dvojno plačanih nadur je neobdavčena do 5 UMA na teden (vse za zaslužke v višini minimalne plače); v tem kalkulatorju ni uporabljeno.","9 h / week (3 h a day)":"9 h / teden (3 h na dan)","RESICO and professional activity":"RESICO in poklicna dejavnost","Under RESICO, individuals with revenue up to MXN 3.5m a year pay ISR of 1% to 2.5% of revenue with no deductions. Otherwise business and professional income is taxed on profit with the normal tariff. Self-employed people have no compulsory IMSS; voluntary IMSS and VAT (16%, usually charged to clients) are not included.":"V režimu RESICO posamezniki s prihodki do 3,5 mio MXN na leto plačajo ISR v višini 1–2,5 % prihodkov brez odbitkov. Sicer je poslovni in poklicni dohodek obdavčen od dobička po običajni tarifi. Samozaposleni nimajo obveznega IMSS; prostovoljni IMSS in DDV (16 %, običajno zaračunan strankam) nista vključena.","AFORE pension (1997 law)":"Pokojnina AFORE (zakon iz 1997)","People who started after 1 July 1997 retire on their AFORE individual account. You need age 65 (or 60 with a smaller pension) and 875 weeks of contributions in 2026, rising by 25 a year to 1,000 in 2031. The balance buys an annuity or a programmed withdrawal; with too few weeks you take the money as a lump sum. A guaranteed minimum pension applies by age, weeks and salary.":"Kdor je začel po 1. juliju 1997, se upokoji s svojim individualnim računom AFORE. Potrebuješ starost 65 (ali 60 z manjšo pokojnino) in 875 tednov prispevkov v 2026, kar se vsako leto zviša za 25 do 1.000 v 2031. S stanjem se kupi renta ali programirani dvig; s premalo tedni dobiš denar v enkratnem znesku. Zajamčena minimalna pokojnina velja glede na starost, tedne in plačo.","Pension Fund for Wellbeing and Pensión Bienestar":"Pokojninski sklad za blaginjo in Pensión Bienestar","Since 2024 the Pension Fund for Wellbeing tops up the IMSS old-age pension of 1997-law workers retiring at 65 or later to 100% of their last salary, if that salary is at most MXN 17,885.85 a month (2026). Separately, everyone aged 65 or over receives the non-contributory Pensión Bienestar of MXN 6,400 every two months. Pensions are tax-free up to 15 UMA a month.":"Od 2024 Pokojninski sklad za blaginjo delavcem po zakonu iz 1997, ki se upokojijo pri 65 ali pozneje, starostno pokojnino IMSS dopolni do 100 % zadnje plače, če ta plača znaša največ 17.885,85 MXN na mesec (2026). Ločeno vsak, ki je star 65 let ali več, prejme neprispevno Pensión Bienestar v višini 6.400 MXN vsaka dva meseca. Pokojnine so neobdavčene do 15 UMA na mesec.","Voluntary AFORE contributions are deductible up to 10% of your income and 5 yearly UMA ({l} for you). Withdrawals before retirement are taxed.":"Prostovoljni prispevki v AFORE so odbitni do 10 % tvojega dohodka in 5 letnih UMA (zate {l}). Dvigi pred upokojitvijo so obdavčeni.","Voluntary contributions to your AFORE (long-term, deductible) are added to the same account as your compulsory savings and paid out with your pension, tax-free up to 15 UMA a month. Many employers also offer a savings fund (fondo de ahorro) with matching contributions. Real interest in a taxable account is taxed at your marginal rate (20% used).":"Prostovoljni prispevki v tvoj AFORE (dolgoročni, odbitni) se dodajo na isti račun kot obvezni prihranki in izplačajo s pokojnino, neobdavčeno do 15 UMA na mesec. Veliko delodajalcev ponuja tudi varčevalni sklad (fondo de ahorro) z ujemajočimi prispevki. Realne obresti na obdavčljivem računu so obdavčene po tvoji mejni stopnji (uporabljeno 20 %).","Benito Juárez’s birthday":"Rojstni dan Benita Juáreza","Presidential inauguration":"Predsedniška inavguracija","Revolution Day":"Dan revolucije","Since 2023 paid holidays are 12 working days after the first year, rising by 2 days a year to 20 in year 5 and then by 2 days every 5 years, with a vacation premium of at least 25%. The mandatory rest days of the Federal Labour Law are shown; Holy Thursday, Good Friday, 12 December and 2 November are common days off but not obligatory, and election days are also rest days.":"Od 2023 plačani dopust znaša 12 delovnih dni po prvem letu, vsako leto se zviša za 2 dni do 20 v 5. letu, nato za 2 dni vsakih 5 let, s premijo za dopust najmanj 25 %. Prikazani so obvezni dnevi počitka po Zveznem zakonu o delu; veliki četrtek, veliki petek, 12. december in 2. november so pogosti prosti dnevi, vendar niso obvezni, dnevi volitev pa so prav tako dnevi počitka.","12 weeks (6 before and 6 after the birth; up to 4 can be moved to after)":"12 tednov (6 pred rojstvom in 6 po njem; do 4 je mogoče prestaviti na čas po rojstvu)","100% of the integrated wage from IMSS (30 weeks of contributions needed)":"100 % integrirane plače od IMSS (potrebnih je 30 tednov prispevkov)","5 working days":"5 delovnih dni","Full pay from the employer":"Polna plača od delodajalca","Two 30-minute breaks a day (or one hour less work) for up to 6 months":"Dva 30-minutna odmora na dan (ali ena ura manj dela) do 6 mesecev","Childcare":"Varstvo otrok","IMSS daycare (guarderías) for children from 43 days to 4 years":"Vrtci IMSS (guarderías) za otroke od 43 dni do 4 let","Free for insured parents":"Brezplačno za zavarovane starše","IMSS sickness benefit from the 4th day, up to 52 weeks":"Nadomestilo IMSS za bolezen od 4. dne, do 52 tednov","60% of the integrated wage":"60 % integrirane plače","Dismissed without just cause":"Odpoved brez utemeljenega razloga","The employer owes 3 months of integrated pay (art. 48 and 50 LFT), 20 days per year of service when it refuses to reinstate you (commonly paid in settlements), and the seniority premium of 12 days per year with pay capped at twice the minimum wage (art. 162). The settlement (finiquito) also pays outstanding pay, the pro-rata aguinaldo, holidays and vacation premium. 90 UMA per year of service are tax-free; the rest is taxed at the average rate of your last monthly salary.":"Delodajalec dolguje 3 mesece integrirane plače (čl. 48 in 50 LFT), 20 dni na leto delovne dobe, ko zavrne tvojo vrnitev na delo (običajno plačano v poravnavah), in premijo za delovno dobo 12 dni na leto s plačo, omejeno na dvojno minimalno plačo (čl. 162). Poravnava (finiquito) plača tudi neizplačano plačo, sorazmerni aguinaldo, dopust in premijo za dopust. 90 UMA na leto delovne dobe je neobdavčenih; ostalo je obdavčeno po povprečni stopnji tvoje zadnje mesečne plače.","Resignation and unemployment":"Odpoved zaposlenega in brezposelnost","If you resign you get the finiquito and, after 15 years, the seniority premium. There is no federal unemployment insurance; after 46 days without work you can withdraw part of your AFORE retirement savings, and Mexico City runs its own unemployment insurance.":"Ob lastni odpovedi dobiš finiquito, po 15 letih pa še premijo za delovno dobo. Zveznega zavarovanja za brezposelnost ni; po 46 dneh brez dela lahko dvigneš del pokojninskih prihrankov AFORE, Ciudad de México pa ima lastno zavarovanje za brezposelnost.","Up to MXN 11,492.66 a month the employment subsidy of MXN 535.65 lowers your ISR every month.":"Do 11.492,66 MXN na mesec subvencija za zaposlitev v višini 535,65 MXN vsak mesec zniža tvoj ISR.","Check your AFORE statement and register your account: the employer’s contributions rise every year until 2030, and the Infonavit 5% can go towards a home loan.":"Preveri izpisek AFORE in registriraj svoj račun: prispevki delodajalca se do 2030 vsako leto zvišujejo, 5 % Infonavit pa lahko gre za stanovanjski kredit.","There is no universal child benefit; the Rita Cetina scholarship is paid per family for pupils in public secondary schools (not included). Spouses file separately.":"Univerzalnega otroškega dodatka ni; štipendija Rita Cetina se izplačuje na družino za učence javnih srednjih šol (ni vključena). Zakonca oddata ločeni napovedi.","3 months + 20 days a year + seniority premium":"3 meseci + 20 dni na leto + premija za delovno dobo","12 weeks at 100% (IMSS)":"12 tednov s 100 % (IMSS)","5 working days at full pay":"5 delovnih dni s polno plačo","60% from day 4 (IMSS)":"60 % od 4. dne (IMSS)","Monthly withholding for one employee with the 2026 tariff, the employment subsidy and the minimum aguinaldo; the annual adjustment can change the final tax. Personal deductions in the annual return (medical, school fees, mortgage interest), PTU profit sharing, savings funds, food vouchers and the state payroll tax are not modelled.":"Mesečni odtegljaj za enega zaposlenega po tarifi 2026, s subvencijo za zaposlitev in minimalnim aguinaldom; letna poravnava lahko spremeni končni davek. Osebni odbitki v letni napovedi (zdravstvo, šolnine, obresti stanovanjskega kredita), delitev dobička PTU, varčevalni skladi, boni za hrano in državni davek na plače niso upoštevani.","Official sources: SAT (Anexo 8 RMF 2026 tariffs), DOF (employment subsidy decree of 31 December 2025, pension reform of 16 December 2020, 40-hour reform of 3 March 2026), INEGI (UMA 2026, INPC, ENIGH 2024), CONASAMI (minimum wages 2026), IMSS (Ley del Seguro Social, Pension Fund for Wellbeing 2026), Secretaría de Bienestar, Ley Federal del Trabajo, CONSAR.":"Uradni viri: SAT (tarife Anexo 8 RMF 2026), DOF (odlok o subvenciji za zaposlitev z dne 31. decembra 2025, pokojninska reforma z dne 16. decembra 2020, reforma 40 ur z dne 3. marca 2026), INEGI (UMA 2026, INPC, ENIGH 2024), CONASAMI (minimalne plače 2026), IMSS (Ley del Seguro Social, Pokojninski sklad za blaginjo 2026), Secretaría de Bienestar, Ley Federal del Trabajo, CONSAR.","Monthly ISR on a salary of MXN 20,000":"Mesečni ISR na plačo 20.000 MXN","Monthly ISR on MXN 10,000 after the employment subsidy":"Mesečni ISR na 10.000 MXN po subvenciji za zaposlitev","Employment subsidy per month (February–December 2026)":"Subvencija za zaposlitev na mesec (februar–december 2026)","Tax-free part of the aguinaldo (30 UMA)":"Neobdavčeni del aguinalda (30 UMA)","IMSS employee quota per day on an integrated wage of MXN 500":"Dnevna kvota IMSS zaposlenega na integrirano plačo 500 MXN","Employer old-age (CEAV) rate in 2026, pay above 4 UMA":"Stopnja delodajalca za starost (CEAV) v 2026, plača nad 4 UMA","Weeks of contributions needed for a pension in 2026":"Tedni prispevkov, potrebni za pokojnino v 2026","Pensión Bienestar for people aged 65+ (per month)":"Pensión Bienestar za osebe 65+ (na mesec)","Pension Fund for Wellbeing ceiling 2026 (per month)":"Zgornja meja Pokojninskega sklada za blaginjo 2026 (na mesec)","Seniority premium per year at a high salary (12 days at 2 minimum wages)":"Premija za delovno dobo na leto pri visoki plači (12 dni po 2 minimalni plači)","Tax-free severance per year of service (90 UMA)":"Neobdavčena odpravnina na leto delovne dobe (90 UMA)","Paid holidays in the 6th year of service (days)":"Plačani dopust v 6. letu delovne dobe (dnevi)","RESICO tax on MXN 400,000 of yearly revenue":"Davek RESICO na 400.000 MXN letnih prihodkov","Real estate agent fee, legal maximum (3% + ¥60,000 + 10% consumption tax)":"Provizija nepremičninskega agenta, zakonski maksimum (3 % + 60.000 ¥ + 10 % davka na potrošnjo)","Stamp duty on the sale contract (reduced rate to March 2027) and the loan contract":"Kolkovina na prodajno pogodbo (znižana stopnja do marca 2027) in kreditno pogodbo","Registration tax, real estate acquisition tax and judicial scrivener (estimate, about 1%)":"Registracijski davek, davek na pridobitev nepremičnin in pravni pisar (ocena, približno 1 %)","Loan guarantee and bank fees (estimate, about 2.2% of the loan)":"Jamstvo za kredit in bančne pristojbine (ocena, približno 2,2 % kredita)","Acquisition tax ISAI (set by each state, about 2–4.5%; 3% used)":"Davek na pridobitev ISAI (določi ga vsaka zvezna država, približno 2–4,5 %; uporabljeno 3 %)","Notary, appraisal and public registry (estimate, about 2%)":"Notar, cenitev in javni register (ocena, približno 2 %)","Bank opening fee (estimate, about 1% of the loan)":"Bančna pristojbina za odobritev (ocena, približno 1 % kredita)","Housing loan credit: 0.7% of the year-end balance (up to ¥20 million for an ordinary existing home, 10 years; more and 13 years for energy-efficient homes), limited to your income tax plus part of the resident tax (at most ¥97,500)":"Olajšava za stanovanjski kredit: 0,7 % stanja ob koncu leta (do 20 milijonov ¥ za navaden obstoječ dom, 10 let; več in 13 let za energijsko učinkovite domove), omejeno na tvojo dohodnino in del rezidenčnega davka (največ 97.500 ¥)","Real interest (interest above inflation, estimated with 3.5%) on a home loan of up to 750,000 UDIs is a personal deduction in the annual return, within the overall cap of 15% of income or 5 yearly UMA; worth your top ISR rate":"Realne obresti (obresti nad inflacijo, ocenjeno s 3,5 %) na stanovanjski kredit do 750.000 UDI so osebni odbitek v letni napovedi, v okviru skupne meje 15 % dohodka ali 5 letnih UMA; vredno tvoje najvišje stopnje ISR","No official limits. Japanese banks often lend up to 100% of the price; the public Flat 35 loan caps all loan payments at 30% of gross income below ¥4 million and 35% above, and charges more when the loan exceeds 90% of the price.":"Uradnih omejitev ni. Japonske banke pogosto posodijo do 100 % cene; javni kredit Flat 35 omejuje vsa odplačila kreditov na 30 % bruto dohodka pod 4 milijoni ¥ in 35 % nad tem ter zaračuna več, ko kredit preseže 90 % cene.","No binding borrower limits. Banks usually lend up to 80–90% of the value with payments of about 30–40% of income; Infonavit and Fovissste loans use a points system and your housing account, and can be combined with a bank loan (Cofinavit).":"Zavezujočih omejitev za kreditojemalce ni. Banke običajno posodijo do 80–90 % vrednosti z obroki približno 30–40 % dohodka; krediti Infonavit in Fovissste uporabljajo točkovni sistem in tvoj stanovanjski račun ter jih je mogoče kombinirati z bančnim kreditom (Cofinavit).","Your iDeCo":"Tvoj iDeCo","Your AFORE":"Tvoj AFORE","Gross plus employer social security and TFR. You take home {p}.":"Bruto in prispevki delodajalca za socialno varnost ter TFR. Domov odneseš {p}.","Gross plus employer social security. You take home {p}.":"Bruto in prispevki delodajalca za socialno varnost. Domov odneseš {p}.","Legal minimum annual leave, 5-day week":"Zakonski minimum letnega dopusta, 5-dnevni teden","State fee to register a €150,000 home":"Državna pristojbina za vpis doma za 150.000 €","CAS pension contribution 25% (incl. 4.75% to Pillar II)":"Pokojninski prispevek CAS 25 % (vklj. 4,75 % v II. steber)","CASS health contribution 10%":"Zdravstveni prispevek CASS 10 %","Personal deduction (per year)":"Osebna olajšava (na leto)","RON 200 a month free of tax and contributions (minimum wage)":"200 RON na mesec brez davka in prispevkov (minimalna plača)","Employer work insurance contribution (CAM) 2.25%":"Prispevek delodajalca za zavarovanje dela (CAM) 2,25 %","Public pension: {p} contribution points (your pay divided by the average gross wage of RON 9,192, year by year) plus {s} stability points for the years above 25, times the reference value of RON 81 (frozen in 2026). Pension age is {a} in 2026 (women’s age rises to 65 by 2035) with at least 15 years. Above RON 3,000 a month pensions pay 10% health contribution and 10% income tax. Pillar II (4.75% of pay) pays its own pension on top.":"Javna pokojnina: {p} prispevnih točk (tvoja plača, deljena s povprečno bruto plačo 9.192 RON, leto za letom) in {s} točk stabilnosti za leta nad 25, krat referenčna vrednost 81 RON (zamrznjena v 2026). Upokojitvena starost je {a} v 2026 (starost za ženske se do 2035 zviša na 65) z najmanj 15 leti. Nad 3.000 RON na mesec pokojnine plačajo 10 % zdravstvenega prispevka in 10 % dohodnine. II. steber (4,75 % plače) izplačuje lastno pokojnino dodatno.","CAS 25% and CASS 10% for a PFA":"CAS 25 % in CASS 10 % za PFA","{u} a month for {n} months (75% of the RON 660 social reference indicator + {p} of your average gross pay)":"{u} na mesec za {n} mesecev (75 % socialnega referenčnega kazalnika 660 RON + {p} tvoje povprečne bruto plače)","{n} months, RON 495 + {p} of pay":"{n} mesecev, 495 RON + {p} plače","20 working days (45 for managers)":"20 delovnih dni (45 za vodilne)","20 working days":"20 delovnih dni","Labour Code art. 75 and 81":"Zakon o delu čl. 75 in 81","Romania":"Romunija","Contributions and income tax 2026":"Prispevki in dohodnina 2026","Employees pay 25% CAS for pension (4.75% of it goes to the private Pillar II fund) and 10% CASS for health; income tax is 10% of pay after contributions and the personal deduction. The employer only pays a 2.25% work insurance contribution (CAM).":"Zaposleni plačajo 25 % CAS za pokojnino (od tega gre 4,75 % v zasebni sklad II. stebra) in 10 % CASS za zdravstvo; dohodnina je 10 % plače po prispevkih in osebni olajšavi. Delodajalec plača samo 2,25 % prispevka za zavarovanje dela (CAM).","Personal deduction and minimum wage":"Osebna olajšava in minimalna plača","The personal deduction is 20% of the minimum wage for monthly pay up to the minimum wage (25%, 30%, 35% and 45% with 1, 2, 3 or 4+ dependants) and falls by 0.5 points for each RON 50 above it, ending at the minimum wage + RON 2,000. The minimum wage is RON 4,325 from 1 July 2026 (RON 4,050 before); for workers on the minimum wage RON 200 a month (RON 300 until June) is free of tax and contributions while gross pay stays at or below RON 4,600.":"Osebna olajšava je 20 % minimalne plače za mesečne plače do minimalne plače (25 %, 30 %, 35 % in 45 % z 1, 2, 3 ali 4+ vzdrževanimi osebami) in pade za 0,5 točke za vsakih 50 RON nad tem ter preneha pri minimalni plači + 2.000 RON. Minimalna plača je 4.325 RON od 1. julija 2026 (prej 4.050 RON); za delavce z minimalno plačo je 200 RON na mesec (do junija 300 RON) oproščenih davka in prispevkov, dokler bruto plača ne preseže 4.600 RON.","Overtime is first compensated with paid time off within the next 60 days; if that is not possible it is paid with at least 75% extra. Working time may not exceed 48 hours a week on average. Night work earns at least 25% extra (or one hour less work), and work on public holidays is paid double if no time off is given.":"Nadure se najprej nadomestijo s plačanim prostim časom v naslednjih 60 dneh; če to ni mogoče, se plačajo z najmanj 75 % dodatka. Delovni čas ne sme preseči povprečno 48 ur na teden. Nočno delo prinese najmanj 25 % dodatka (ali eno uro manj dela), delo ob praznikih pa se plača dvojno, če ni nadomestnega prostega časa.","PFA (sole trader, real system)":"PFA (samostojni podjetnik, dejanski sistem)","Net income is taxed at 10%. CAS of 25% is due on 12 minimum wages (RON 48,600) when income is between 12 and 24 minimum wages and on 24 (RON 97,200) above; CASS of 10% applies to income between 6 and 72 minimum wages. For 2026 income the thresholds use the RON 4,050 minimum wage of 1 January 2026.":"Neto dohodek je obdavčen z 10 %. CAS v višini 25 % se plača od 12 minimalnih plač (48.600 RON), ko je dohodek med 12 in 24 minimalnimi plačami, in od 24 (97.200 RON) nad tem; CASS v višini 10 % velja za dohodek med 6 in 72 minimalnimi plačami. Za dohodek 2026 pragovi uporabljajo minimalno plačo 4.050 RON z dne 1. januarja 2026.","Points system (Law 360/2023)":"Točkovni sistem (zakon 360/2023)","Each year adds points equal to your gross pay divided by the national average gross wage; for years above 25, stability points are added (0.5 a year for years 26–30, 0.75 for 31–35 and 1 after 35). The pension is total points × the reference value, RON 81 since 2024 and frozen in 2026.":"Vsako leto doda točke, enake tvoji bruto plači, deljeni z nacionalno povprečno bruto plačo; za leta nad 25 se dodajo točke stabilnosti (0,5 na leto za leta 26–30, 0,75 za 31–35 in 1 po 35). Pokojnina je skupno število točk × referenčna vrednost, ki je od 2024 81 RON in je v 2026 zamrznjena.","65 for men; for women 62 years and 7 months from July 2026, rising to 65 by 2035, with a full career of 35 years (women 33 years and 5 months) and at least 15 years. Early retirement is possible up to 5 years before with a full career, with a reduction.":"65 za moške; za ženske 62 let in 7 mesecev od julija 2026, do 2035 se zviša na 65, s polno kariero 35 let (ženske 33 let in 5 mesecev) in najmanj 15 leti. Predčasna upokojitev je mogoča do 5 let prej s polno kariero, z znižanjem.","Pillar III contributions are deductible from the income tax base up to the equivalent of €400 a year (about RON 2,000); the employer can also contribute up to €400 a year tax-free.":"Prispevki v III. steber se odbijejo od osnove za dohodnino do protivrednosti 400 € na leto (približno 2.000 RON); tudi delodajalec lahko neobdavčeno vplača do 400 € na leto.","Voluntary private pensions (Pillar III): contributions up to €400 a year reduce income tax; payouts from 60 are taxed like pensions (10% income tax above RON 3,000 a month). Pillar II, financed from your CAS, pays a separate pension on top of the state one.":"Prostovoljne zasebne pokojnine (III. steber): prispevki do 400 € na leto znižajo dohodnino; izplačila od 60. leta so obdavčena kot pokojnine (10 % dohodnine nad 3.000 RON na mesec). II. steber, financiran iz tvojega CAS, izplačuje ločeno pokojnino poleg državne.","Day after New Year":"Dan po novem letu","St John the Baptist":"Sv. Janez Krstnik","Union of the Romanian Principalities":"Združitev romunskih kneževin","Orthodox Good Friday":"Pravoslavni veliki petek","Orthodox Easter Sunday":"Pravoslavna velikonočna nedelja","Orthodox Easter Monday":"Pravoslavni velikonočni ponedeljek","Orthodox Pentecost":"Pravoslavne binkošti","St Andrew’s Day":"Dan sv. Andreja","At least 20 working days of paid leave a year; collective agreements and seniority often add more. The public holidays follow the Orthodox calendar (Easter and Pentecost); when Whit Monday falls on 1 June (Children’s Day), as in 2026, it is a single day off.":"Najmanj 20 delovnih dni plačanega dopusta na leto; kolektivne pogodbe in delovna doba pogosto dodajo več. Prazniki sledijo pravoslavnemu koledarju (velika noč in binkošti); ko binkoštni ponedeljek pade na 1. junij (dan otrok), kot v 2026, je to en sam prost dan.","126 days (63 before and 63 after the birth)":"126 dni (63 pred rojstvom in 63 po njem)","85% of your average insured income":"85 % tvojega povprečnega zavarovanega dohodka","Child-raising leave":"Dopust za vzgojo otroka","Until the child is 2 (3 with a disability); at least 2 months are reserved for the other parent":"Dokler otrok ne dopolni 2 let (3 z invalidnostjo); najmanj 2 meseca sta rezervirana za drugega starša","85% of average net income, within a minimum and maximum":"85 % povprečnega neto dohodka, med minimumom in maksimumom","10 working days (15 after a childcare course)":"10 delovnih dni (15 po tečaju nege otroka)","State child allowance":"Državni otroški dodatek","RON 719 a month under 2, RON 292 from 2 to 18":"719 RON na mesec do 2. leta, 292 RON od 2. do 18. leta","Not taxed":"Neobdavčeno","First 5 days paid by the employer, then by the health fund":"Prvih 5 dni plača delodajalec, nato zdravstveni sklad","75% of average income (from 2026 lower for short absences)":"75 % povprečnega dohodka (od 2026 nižje za kratke odsotnosti)","Dismissed for reasons not related to me":"Odpoved iz razlogov, ki niso na moji strani","When the employer dismisses you for reasons not related to you, the notice is at least 20 working days. The Labour Code sets no general severance pay; it is due only if a collective or individual agreement provides it (often 1–3 months’ pay in collective dismissals).":"Ko te delodajalec odpusti iz razlogov, ki niso na tvoji strani, je odpovedni rok najmanj 20 delovnih dni. Zakon o delu ne določa splošne odpravnine; pripada samo, če jo določa kolektivna ali individualna pogodba (pri kolektivnih odpuščanjih pogosto 1–3 mesečne plače).","After at least 12 months of contributions in the last 24: 75% of the social reference indicator (RON 495) plus 3%, 5%, 7% or 10% of your average gross pay with at least 3, 5, 10 or 20 years insured; paid for 6 months (1–5 years), 9 months (5–10) or 12 months (10+).":"Po najmanj 12 mesecih prispevkov v zadnjih 24: 75 % socialnega referenčnega kazalnika (495 RON) in 3 %, 5 %, 7 % ali 10 % tvoje povprečne bruto plače z najmanj 3, 5, 10 ali 20 leti zavarovanja; izplačuje se 6 mesecev (1–5 let), 9 mesecev (5–10) ali 12 mesecev (10+).","Between the minimum wage and RON 6,325 a month you still get part of the personal deduction; it shrinks by 0.5 points of the minimum wage for every RON 50 of extra pay.":"Med minimalno plačo in 6.325 RON na mesec še vedno dobiš del osebne olajšave; ta se za vsakih 50 RON dodatne plače zmanjša za 0,5 točke minimalne plače.","Part of your CAS (4.75% of gross pay) goes to your own Pillar II account; you can check the balance with your fund.":"Del tvojega CAS (4,75 % bruto plače) gre na tvoj lastni račun II. stebra; stanje lahko preveriš pri svojem skladu.","The state child allowance (RON 292 a month from age 2 to 18, RON 719 under 2) is shown separately. Dependants raise the personal deduction for the parent who claims them.":"Državni otroški dodatek (292 RON na mesec od 2. do 18. leta, 719 RON do 2. leta) je prikazan ločeno. Vzdrževane osebe zvišajo osebno olajšavo staršu, ki jih uveljavlja.","126 days at 85%, then child-raising leave at 85% until age 2":"126 dni z 85 %, nato dopust za vzgojo otroka z 85 % do 2. leta","10 working days at full pay":"10 delovnih dni s polno plačo","Until age 2, 2 months reserved for each parent":"Do 2. leta, 2 meseca rezervirana za vsakega starša","75% (employer 5 days, then health fund)":"75 % (delodajalec 5 dni, nato zdravstveni sklad)","Monthly tax and contributions for one employee under the rules in force from 1 July 2026 (minimum wage RON 4,325, RON 200 untaxed), applied to the whole year. Exemptions for IT, construction and agriculture were abolished; meal vouchers, holiday vouchers and the deduction for young people are not modelled.":"Mesečni davek in prispevki za enega zaposlenega po pravilih, ki veljajo od 1. julija 2026 (minimalna plača 4.325 RON, 200 RON neobdavčenih), uporabljeni za vse leto. Oprostitve za IT, gradbeništvo in kmetijstvo so bile odpravljene; boni za prehrano, boni za počitnice in olajšava za mlade niso upoštevani.","Official sources: ANAF and the Fiscal Code (Law 227/2015, art. 76–78, 138^3–138^4, 148–170), Government Decision 146/2026 (minimum wage), Law 360/2023 and Law 141/2025 (pensions, CASS on pensions), CNPP, ANOFM (unemployment benefit, ISR), Labour Code, National Bank of Romania (lending limits), INS, Eurostat.":"Uradni viri: ANAF in davčni zakonik (zakon 227/2015, čl. 76–78, 138^3–138^4, 148–170), vladna odločba 146/2026 (minimalna plača), zakon 360/2023 in zakon 141/2025 (pokojnine, CASS na pokojnine), CNPP, ANOFM (nadomestilo za brezposelnost, ISR), Zakon o delu, Narodna banka Romunije (omejitve kreditiranja), INS, Eurostat.","Net pay on the RON 4,325 minimum wage from July 2026":"Neto plača pri minimalni plači 4.325 RON od julija 2026","Personal deduction on RON 4,325 gross, no dependants":"Osebna olajšava pri 4.325 RON bruto, brez vzdrževanih oseb","Personal deduction on RON 5,325 gross, no dependants":"Osebna olajšava pri 5.325 RON bruto, brez vzdrževanih oseb","Pension after 35 years on the average wage (per month)":"Pokojnina po 35 letih s povprečno plačo (na mesec)","Basic unemployment benefit (75% of the ISR)":"Osnovno nadomestilo za brezposelnost (75 % ISR)","Unemployment benefit duration with 12 years insured (months)":"Trajanje nadomestila za brezposelnost z 12 leti zavarovanja (meseci)","PFA pension contribution (CAS) on RON 60,000 of net income":"Pokojninski prispevek PFA (CAS) na 60.000 RON neto dohodka","State child allowance, 2 children aged 2–18 (per year)":"Državni otroški dodatek, 2 otroka v starosti 2–18 let (na leto)","Social insurance 9.4%":"Socialno zavarovanje 9,4 %","Health insurance 5%":"Zdravstveno zavarovanje 5 %","Income tax (19% / 25% / 30% / 35%)":"Dohodnina (19 % / 25 % / 30 % / 35 %)","Child tax bonus":"Davčni bonus za otroke","Non-taxable part of the tax base":"Neobdavčljivi del davčne osnove","Employer contributions (about 36%)":"Prispevki delodajalca (približno 36 %)","Old-age pension: your average personal wage point {p} (your pay divided by the average wage) × {y} years × the current pension value of €19.7633 (2026). Pension age is about 64 (lower for older people and for mothers, by 6 months per child); you can retire up to 2 years earlier with 0.5% less per month. Pensions are not taxed, a 13th pension is paid each December, and the second pillar (if you joined it) pays its own pension.":"Starostna pokojnina: tvoja povprečna osebna plačna točka {p} (tvoja plača, deljena s povprečno plačo) × {y} let × trenutna vrednost pokojnine 19,7633 € (2026). Upokojitvena starost je približno 64 (nižja za starejše in za matere, za 6 mesecev na otroka); upokojiš se lahko do 2 leti prej z 0,5 % manj na mesec. Pokojnine niso obdavčene, vsak december se izplača 13. pokojnina, drugi steber (če si vanj vključen) pa izplačuje lastno pokojnino.","Social 33.15% + health 16% (self-employed)":"Socialno 33,15 % + zdravstvo 16 % (samozaposleni)","Severance pay (odstupné, {m} months)":"Odpravnina (odstupné, {m} mesecev)","After resigning you can claim it only if you were insured for 2 of the last 4 years; shown as none":"Po lastni odpovedi ga je mogoče uveljavljati le z zavarovanjem v 2 od zadnjih 4 let; prikazano kot nič","{a} a month for 3 months (50%), then 40%, 30% and 20% (6 months in total, rules from 2026)":"{a} na mesec 3 mesece (50 %), nato 40 %, 30 % in 20 % (skupaj 6 mesecev, pravila od 2026)","Severance (dismissal)":"Odpravnina (odpoved)","{n} months":"{n} mesecev","Labour Code § 62 (dismissal by the employer)":"Zakon o delu § 62 (odpoved delodajalca)","Slovakia":"Slovaška","Since 2026 the tax base is taxed in four bands: 19% up to €43,983.32, 25% up to €60,349.21, 30% up to €75,010.32 and 35% above. The non-taxable part per taxpayer is €5,966.73 a year for a tax base up to €26,083.13 and then falls (€14,661.11 minus a third of the tax base) to nil at €43,983.32. The child tax bonus is €100 a month per child under 15 and €50 from 15 to 18, limited by a share of the tax base and reduced at higher incomes.":"Od 2026 je davčna osnova obdavčena v štirih razredih: 19 % do 43.983,32 €, 25 % do 60.349,21 €, 30 % do 75.010,32 € in 35 % nad tem. Neobdavčljivi del na davkoplačevalca je 5.966,73 € na leto za davčno osnovo do 26.083,13 €, nato pada (14.661,11 € minus tretjina davčne osnove) do nič pri 43.983,32 €. Davčni bonus za otroke je 100 € na mesec na otroka do 15. leta in 50 € od 15. do 18. leta, omejen z deležem davčne osnove in znižan pri višjih dohodkih.","Employees pay 9.4% social insurance (up to €16,764 a month) and 5% health insurance (raised from 4% in 2026, no ceiling). Employers pay about 25.2% social and 11% health insurance. Minimum wage €915 a month.":"Zaposleni plačajo 9,4 % socialnega zavarovanja (do 16.764 € na mesec) in 5 % zdravstvenega zavarovanja (v 2026 zvišano s 4 %, brez meje). Delodajalci plačajo približno 25,2 % socialnega in 11 % zdravstvenega zavarovanja. Minimalna plača 915 € na mesec.","Overtime pays at least 25% extra (35% for risky work), or time off instead by agreement; it is limited to 150 hours a year ordered by the employer and 400 hours in total. Night work adds at least 40% of the minimum hourly wage, Saturday work 50%, Sunday work 100% and public holidays 100% of your average earnings.":"Nadure se plačajo najmanj 25 % več (35 % za tvegano delo) ali po dogovoru s prostim časom; omejene so na 150 ur na leto, ki jih odredi delodajalec, in 400 ur skupaj. Nočno delo doda najmanj 40 % minimalne urne postavke, delo ob sobotah 50 %, ob nedeljah 100 % in ob praznikih 100 % tvojega povprečnega zaslužka.","150 h / year (400 by agreement)":"150 h / leto (po dogovoru 400)","Self-employed (SZČO)":"Samozaposleni (SZČO)","With flat expenses of 60% (up to €20,000 a year), social insurance is 33.15% and health insurance 16% of profit divided by 1.486, at least €914.40 (social) and €762 (health) a month in 2026. Income tax is 15% if revenue does not exceed €100,000, after the non-taxable part.":"S pavšalnimi stroški 60 % (do 20.000 € na leto) je socialno zavarovanje 33,15 %, zdravstveno zavarovanje pa 16 % dobička, deljenega z 1,486, najmanj 914,40 € (socialno) in 762 € (zdravstveno) na mesec v 2026. Dohodnina je 15 %, če prihodki ne presežejo 100.000 €, po neobdavčljivem delu.","The pension is the average personal wage point (your pay compared with the average wage in each year) × years of insurance × the current pension value, €19.7633 in 2026. You need at least 15 years. Pension age is capped at 64 and is lower for older cohorts and for mothers (6 months less per child, up to 18 months).":"Pokojnina je povprečna osebna plačna točka (tvoja plača v primerjavi s povprečno plačo vsakega leta) × leta zavarovanja × trenutna vrednost pokojnine, 19,7633 € v 2026. Potrebuješ najmanj 15 let. Upokojitvena starost je omejena na 64 in je nižja za starejše generacije in za matere (6 mesecev manj na otroka, do 18 mesecev).","Indexation and extras":"Usklajevanje in dodatki","Pensions rose 3.7% in January 2026. Pensions are not taxed. A 13th pension is paid every December, and savers in the second pillar receive part of their pension from their own account.":"Pokojnine so se januarja 2026 zvišale za 3,7 %. Pokojnine niso obdavčene. 13. pokojnina se izplača vsak december, varčevalci v drugem stebru pa del pokojnine prejmejo s svojega računa.","Third-pillar contributions (DDS) reduce your tax base by up to €180 a year; employer contributions are taxed as your income but free of health insurance up to 6% of pay.":"Prispevki v tretji steber (DDS) znižajo davčno osnovo za do 180 € na leto; prispevki delodajalca so obdavčeni kot tvoj dohodek, vendar do 6 % plače brez zdravstvenega zavarovanja.","Supplementary pension savings (third pillar, DDS): you and your employer can contribute; your own contributions are deductible up to €180 a year. Payouts from age 62 are taxed at 19% on the part above your contributions (about 7% of the final balance here).":"Dodatno pokojninsko varčevanje (tretji steber, DDS): prispevaš lahko ti in tvoj delodajalec; tvoji lastni prispevki so odbitni do 180 € na leto. Izplačila od 62. leta so obdavčena z 19 % na del nad tvojimi prispevki (tu približno 7 % končnega stanja).","Day of the Establishment of the Slovak Republic":"Dan ustanovitve Slovaške republike","Victory over Fascism":"Zmaga nad fašizmom","St Cyril and Methodius":"Sv. Ciril in Metod","Slovak National Uprising":"Slovaška narodna vstaja","Our Lady of Sorrows":"Žalostna Mati Božja","Struggle for Freedom and Democracy Day":"Dan boja za svobodo in demokracijo","4 weeks of paid leave a year, and 5 weeks from the year you turn 33 or if you care for a child permanently. Under the 2026 consolidation package 8 May and 15 September are working days in 2026 and 17 November has been abolished as a day off.":"4 tedne plačanega dopusta na leto in 5 tednov od leta, ko dopolniš 33 let, ali če trajno skrbiš za otroka. Po konsolidacijskem paketu 2026 sta 8. maj in 15. september v 2026 delovna dneva, 17. november pa je bil odpravljen kot prost dan.","Maternity benefit":"Porodniško nadomestilo","34 weeks (37 for single mothers)":"34 tednov (37 za samohranilke)","75% of your daily assessment base":"75 % tvoje dnevne odmerne osnove","Paternity benefit":"Očetovsko nadomestilo","2 weeks in the first 6 weeks after the birth; a father can also take maternity benefit later":"2 tedna v prvih 6 tednih po rojstvu; oče lahko pozneje vzame tudi porodniško nadomestilo","75% of the daily assessment base":"75 % dnevne odmerne osnove","Parental allowance":"Starševski dodatek","Until the child is 3 (6 with long-term illness)":"Dokler otrok ne dopolni 3 let (6 pri dolgotrajni bolezni)","Flat monthly amount (higher after maternity benefit)":"Pavšalni mesečni znesek (višji po porodniškem nadomestilu)","Child benefit":"Otroški dodatek","€60 a month per child":"60 € na mesec na otroka","Not taxed, on top of the child tax bonus":"Neobdavčen, poleg davčnega bonusa za otroke","Days 1–10 paid by the employer, then sickness benefit from the Social Insurance Agency":"Dni 1–10 plača delodajalec, nato nadomestilo za bolezen od Agencije za socialno zavarovanje","25% for days 1–3, then 55%":"25 % za dni 1–3, nato 55 %","When the employer gives notice, it is 1 month under 1 year of service, 2 months for 1–5 years and 3 months after 5 years. On dismissal for organisational or health reasons severance is 1, 2, 3 or 4 months’ average earnings after 2, 5, 10 or 20 years; ending by agreement adds one more month. Severance is taxed and pays health insurance but no social insurance.":"Ko odpoved da delodajalec, je odpovedni rok 1 mesec pri manj kot 1 letu delovne dobe, 2 meseca pri 1–5 letih in 3 meseci po 5 letih. Ob odpovedi iz organizacijskih ali zdravstvenih razlogov je odpravnina 1, 2, 3 ali 4 povprečni mesečni zaslužki po 2, 5, 10 ali 20 letih; sporazumno prenehanje doda še en mesec. Odpravnina je obdavčena in zanjo se plača zdravstveno zavarovanje, socialno pa ne.","After 2 years of unemployment insurance in the last 4: 50% of your daily assessment base for the first 3 months, then 40%, 30% and 20% for months 4, 5 and 6 (for people registering from 1 January 2026).":"Po 2 letih zavarovanja za brezposelnost v zadnjih 4: 50 % tvoje dnevne odmerne osnove prve 3 mesece, nato 40 %, 30 % in 20 % za 4., 5. in 6. mesec (za prijavljene od 1. januarja 2026).","Your tax base is in the range where the non-taxable part shrinks, so each extra euro is taxed at about 25% instead of 19%.":"Tvoja davčna osnova je v razponu, kjer se neobdavčljivi del zmanjšuje, zato je vsak dodatni evro obdavčen s približno 25 % namesto 19 %.","You can claim the €60 child benefit and the child tax bonus at the same time.":"Otroški dodatek 60 € in davčni bonus za otroke lahko uveljavljaš hkrati.","The €60 child benefit is shown separately; the child tax bonus is included in the tax. A spouse with low income can give the other spouse an extra non-taxable allowance (not modelled).":"Otroški dodatek 60 € je prikazan ločeno; davčni bonus za otroke je vključen v davek. Zakonec z nizkim dohodkom lahko drugemu zakoncu prinese dodatno neobdavčljivo olajšavo (ni upoštevano).","Odstupné ({m} months)":"Odstupné ({m} mesecev)","34 weeks at 75%, then parental allowance until 3":"34 tednov s 75 %, nato starševski dodatek do 3. leta","2 weeks at 75%":"2 tedna s 75 %","Until age 3 (flat allowance)":"Do 3. leta (pavšalni dodatek)","25% then 55%":"25 %, nato 55 %","Annual tax and contributions for one employee with the 2026 rates and the full non-taxable part. The spouse allowance, pension-saving deductions beyond the third pillar, meal allowances and the 13th/14th salary relief are not modelled.":"Letni davek in prispevki za enega zaposlenega po stopnjah 2026 s polnim neobdavčljivim delom. Olajšava za zakonca, odbitki za pokojninsko varčevanje nad tretjim stebrom, dodatki za prehrano in olajšava za 13./14. plačo niso upoštevani.","Official sources: Financial Administration (finančná správa: tax rates 2026, child tax bonus 2026), Act 595/2003 on income tax, Social Insurance Agency (Sociálna poisťovňa: contribution rates, current pension value 2026, unemployment benefit from 2026), Labour Code (Act 311/2001), Ministry of Labour (minimum wage 2026, child benefit), National Bank of Slovakia (lending limits), Eurostat.":"Uradni viri: Finančna uprava (finančná správa: davčne stopnje 2026, davčni bonus za otroke 2026), zakon 595/2003 o dohodnini, Agencija za socialno zavarovanje (Sociálna poisťovňa: stopnje prispevkov, trenutna vrednost pokojnine 2026, nadomestilo za brezposelnost od 2026), Zakon o delu (zakon 311/2001), Ministrstvo za delo (minimalna plača 2026, otroški dodatek), Narodna banka Slovaške (omejitve kreditiranja), Eurostat.","Income tax on a tax base of €80,000":"Dohodnina na davčno osnovo 80.000 €","Non-taxable part at a tax base of €30,000":"Neobdavčljivi del pri davčni osnovi 30.000 €","Pension after 40 years on the average wage (per month)":"Pokojnina po 40 letih s povprečno plačo (na mesec)","Severance after 12 years, dismissal (months)":"Odpravnina po 12 letih, odpoved (meseci)","Minimum monthly contributions for the self-employed 2026":"Najnižji mesečni prispevki za samozaposlene 2026","Sodra social insurance 12.52% (pension, sickness, maternity)":"Socialno zavarovanje Sodra 12,52 % (pokojnina, bolezen, materinstvo)","Compulsory health insurance 6.98%":"Obvezno zdravstveno zavarovanje 6,98 %","Income tax (GPM 20% / 25% / 32%)":"Dohodnina (GPM 20 % / 25 % / 32 %)","Tax-free amount (NPD) per year":"Neobdavčeni znesek (NPD) na leto","Employer contributions 1.77%":"Prispevki delodajalca 1,77 %","Sodra old-age pension: general part {g} (basic pension €327.91 × {y} years ÷ 34.5 required years) plus individual part {i} ({u} pension units × €8.11). Pension age is 65 from 2026 with at least 15 years; up to 5 years earlier with the full record, 0.32% less per month. Pensions within the tax-free amount pay no income tax; the second pillar pays its own annuity.":"Starostna pokojnina Sodra: splošni del {g} (osnovna pokojnina 327,91 € × {y} let ÷ 34,5 zahtevanega leta) in individualni del {i} ({u} pokojninskih enot × 8,11 €). Upokojitvena starost je od 2026 65 z najmanj 15 leti; do 5 let prej s polno zavarovalno dobo, 0,32 % manj na mesec. Pokojnine v okviru neobdavčenega zneska ne plačajo dohodnine; drugi steber izplačuje lastno rento.","VSD 12.52% + PSD 6.98% on 90% of profit":"VSD 12,52 % + PSD 6,98 % na 90 % dobička","Severance pay ({m} months, Labour Code art. 57)":"Odpravnina ({m} mesecev, Zakon o delu čl. 57)","Long-service benefit from the Guarantee Fund ({m} months)":"Nadomestilo za dolgoletno službo iz Jamstvenega sklada ({m} mesecev)","{a} a month in months 1–3, then less, for up to 9 months (€172.95 + 45% / 35% / 25% of insured income; €370–€1,618.51; rules from 1 July 2026)":"{a} na mesec v 1.–3. mesecu, nato manj, do 9 mesecev (172,95 € + 45 % / 35 % / 25 % zavarovanega dohodka; 370–1.618,51 €; pravila od 1. julija 2026)","Guarantee Fund":"Jamstveni sklad","1 month (2 months shortly before pension or with young children)":"1 mesec (2 meseca tik pred upokojitvijo ali z majhnimi otroki)","Labour Code art. 57":"Zakon o delu čl. 57","Lithuania":"Litva","Employment income is taxed at 20% up to 36 average wages a year (€83,237), 25% up to 60 average wages (€138,729) and 32% above (new from 2026). The monthly tax-free amount (NPD) is €747 for pay up to the €1,153 minimum wage and falls by 49 cents per euro above it, ending at about €2,677.":"Dohodek iz zaposlitve je obdavčen z 20 % do 36 povprečnih plač na leto (83.237 €), 25 % do 60 povprečnih plač (138.729 €) in 32 % nad tem (novo od 2026). Mesečni neobdavčeni znesek (NPD) je 747 € za plače do minimalne plače 1.153 € in pade za 49 centov na vsak evro nad njo ter preneha pri približno 2.677 €.","Sodra contributions":"Prispevki Sodra","Employees pay 19.5%: 12.52% social insurance (pension 8.72%, sickness 2.09%, maternity 1.71%), capped at 60 average wages a year, and 6.98% health insurance without a cap. Employers pay 1.77% (2.49% on fixed-term contracts). Members of the second pillar add 3% of pay, topped up by the state.":"Zaposleni plačajo 19,5 %: 12,52 % socialnega zavarovanja (pokojnina 8,72 %, bolezen 2,09 %, materinstvo 1,71 %), omejeno na 60 povprečnih plač na leto, in 6,98 % zdravstvenega zavarovanja brez meje. Delodajalci plačajo 1,77 % (2,49 % pri pogodbah za določen čas). Člani drugega stebra dodajo 3 % plače, ki jih država dopolni.","Overtime and night work are paid at least 1.5 times the normal rate, and work on a rest day or public holiday at least double. Overtime may not exceed 8 hours in a 7-day period without consent, and 180 hours a year.":"Nadure in nočno delo se plačajo najmanj po 1,5-kratni običajni postavki, delo na dan počitka ali praznik pa najmanj dvojno. Nadure brez soglasja ne smejo preseči 8 ur v 7-dnevnem obdobju in 180 ur na leto.","180 h / year":"180 h / leto","Individual activity (pažyma)":"Individualna dejavnost (pažyma)","You can deduct actual expenses or a flat 30% of income. Profit up to €20,000 is taxed at 5%; the rate rises to 15% at €35,000 and 20% at €42,500, and above that the general 20% / 25% / 32% scale applies (from 2026). Social insurance (VSD 12.52%) and health insurance (PSD 6.98%) are paid on 90% of profit.":"Odbiješ lahko dejanske stroške ali pavšalnih 30 % dohodka. Dobiček do 20.000 € je obdavčen s 5 %; stopnja se zviša na 15 % pri 35.000 € in 20 % pri 42.500 €, nad tem pa velja splošna lestvica 20 % / 25 % / 32 % (od 2026). Socialno zavarovanje (VSD 12,52 %) in zdravstveno zavarovanje (PSD 6,98 %) se plačata od 90 % dobička.","Sodra old-age pension":"Starostna pokojnina Sodra","The pension has a general part, the basic pension (€327.91 in 2026) scaled by your years of insurance against the required record (34.5 years in 2026, 35 from 2027), and an individual part: one pension unit for each year at the average wage (up to 5 a year), worth €8.11 each in 2026.":"Pokojnina ima splošni del, osnovno pokojnino (327,91 € v 2026), prilagojeno tvojim letom zavarovanja glede na zahtevano dobo (34,5 leta v 2026, 35 od 2027), in individualni del: eno pokojninsko enoto za vsako leto s povprečno plačo (do 5 na leto), vsaka vredna 8,11 € v 2026.","Age and early pension":"Starost in predčasna pokojnina","From 2026 the pension age is 65 for men and women, with at least 15 years. With the full required record you can retire up to 5 years earlier, with 0.32% less for each month. People without enough years can receive the social assistance pension (€261 a month).":"Od 2026 je upokojitvena starost 65 za moške in ženske, z najmanj 15 leti. S polno zahtevano dobo se lahko upokojiš do 5 let prej, z 0,32 % manj za vsak mesec. Kdor nima dovolj let, lahko prejme socialno pokojnino (261 € na mesec).","Third-pillar pension contributions can be deducted from taxable income in the annual return (together with other allowable expenses, up to 25% of income).":"Prispevke v tretji pokojninski steber je mogoče odbiti od obdavčljivega dohodka v letni napovedi (skupaj z drugimi dovoljenimi izdatki, do 25 % dohodka).","Third-pillar pension funds and life insurance: contributions reduce your income tax in the annual return, and payouts after pension age (or after at least 18 years) are tax-free. The second pillar (3% of your pay plus a state top-up) is a separate account inside Sodra’s system.":"Pokojninski skladi tretjega stebra in življenjsko zavarovanje: prispevki znižajo tvojo dohodnino v letni napovedi, izplačila po upokojitveni starosti (ali po najmanj 18 letih) pa so neobdavčena. Drugi steber (3 % tvoje plače in državna dopolnitev) je ločen račun v sistemu Sodra.","Restoration of the State":"Dan obnovitve države","Mother’s Day":"Materinski dan","Father’s Day":"Očetovski dan","St John’s Day (Midsummer)":"Dan sv. Janeza (kres)","Statehood Day":"Dan državnosti","All Souls’ Day":"Dan spomina na mrtve","20 working days of paid leave a year for a 5-day week (24 for a 6-day week); 25 days for workers under 18, single parents of children under 14 and disabled workers. Mother’s Day and Father’s Day always fall on a Sunday. Amendments to the Labour Code take effect on 1 November 2026.":"20 delovnih dni plačanega dopusta na leto pri 5-dnevnem tednu (24 pri 6-dnevnem); 25 dni za delavce, mlajše od 18 let, samohranilce z otroki do 14. leta in delavce z invalidnostjo. Materinski in očetovski dan vedno padeta na nedeljo. Spremembe zakona o delu začnejo veljati 1. novembra 2026.","126 days (70 before and 56 after the birth)":"126 dni (70 pred rojstvom in 56 po njem)","77.58% of insured income":"77,58 % zavarovanega dohodka","30 days during the first 3 months":"30 dni v prvih 3 mesecih","Until the child is 18 or 24 months (2 months reserved for each parent)":"Dokler otrok ne dopolni 18 ali 24 mesecev (2 meseca rezervirana za vsakega starša)","60% of income (18 months) or 45% then 30% (24 months)":"60 % dohodka (18 mesecev) ali 45 %, nato 30 % (24 mesecev)","Child money (vaiko pinigai)":"Otroški denar (vaiko pinigai)","€129.50 a month per child up to 18 (longer in education)":"129,50 € na mesec na otroka do 18. leta (dlje med šolanjem)","Days 1–2 paid by the employer, then by Sodra":"Dni 1–2 plača delodajalec, nato Sodra","62.06% of insured income":"62,06 % zavarovanega dohodka","Dismissed at the employer’s initiative (not my fault)":"Odpoved na pobudo delodajalca (brez moje krivde)","When the employer dismisses you without your fault the notice is 1 month (2 months if you are less than 5 years from pension age or raise young children). Severance is 2 average monthly wages, or half a month under 1 year of service; with 5, 10 or 20 years the Guarantee Fund adds a long-service benefit of 1, 2 or 3 months.":"Ko te delodajalec odpusti brez tvoje krivde, je odpovedni rok 1 mesec (2 meseca, če te do upokojitvene starosti loči manj kot 5 let ali vzgajaš majhne otroke). Odpravnina je 2 povprečni mesečni plači ali pol meseca pri manj kot 1 letu delovne dobe; s 5, 10 ali 20 leti Jamstveni sklad doda nadomestilo za dolgoletno službo v višini 1, 2 ali 3 mesecev.","From 1 July 2026: a fixed part of 15% of the minimum wage (€172.95) plus 45% of your average insured income in months 1–3, 35% in months 4–6 and 25% in months 7–9; at least €370 and at most €1,618.51 a month. You need 12 months of insurance in the last 24.":"Od 1. julija 2026: fiksni del 15 % minimalne plače (172,95 €) in 45 % tvojega povprečnega zavarovanega dohodka v 1.–3. mesecu, 35 % v 4.–6. mesecu in 25 % v 7.–9. mesecu; najmanj 370 € in največ 1.618,51 € na mesec. Potrebuješ 12 mesecev zavarovanja v zadnjih 24.","Between €1,153 and €2,677 a month the tax-free amount shrinks by 49 cents per euro, so each extra euro costs about 30% in tax on top of Sodra.":"Med 1.153 € in 2.677 € na mesec se neobdavčeni znesek zmanjšuje za 49 centov na evro, zato vsak dodatni evro poleg Sodre stane približno 30 % davka.","Joining the second pillar adds 3% of your pay to your own account, and the state adds a top-up.":"Vključitev v drugi steber doda 3 % tvoje plače na tvoj lastni račun, država pa doda dopolnitev.","Child money (€129.50 a month per child) is shown separately. Each spouse is taxed individually; there is no joint filing.":"Otroški denar (129,50 € na mesec na otroka) je prikazan ločeno. Vsak zakonec je obdavčen individualno; skupne napovedi ni.","2 months + Guarantee Fund benefit":"2 meseca + nadomestilo Jamstvenega sklada","126 days at 77.58%, then childcare leave at 60% until 18 months":"126 dni s 77,58 %, nato dopust za nego otroka s 60 % do 18 mesecev","30 days at 77.58%":"30 dni s 77,58 %","Until 18 or 24 months, 2 months reserved per parent":"Do 18 ali 24 mesecev, 2 meseca rezervirana na starša","62.06% (employer days 1–2)":"62,06 % (delodajalec dni 1–2)","Annual tax and Sodra contributions for one employee with the 2026 rules, not in the second pillar. Allowable expenses in the annual return (other than pension savings), the extra NPD for disability and contracts other than employment are not modelled.":"Letni davek in prispevki Sodra za enega zaposlenega po pravilih 2026, ki ni v drugem stebru. Dovoljeni izdatki v letni napovedi (razen pokojninskega varčevanja), dodatni NPD za invalidnost in pogodbe, ki niso pogodbe o zaposlitvi, niso upoštevani.","Official sources: State Tax Inspectorate (VMI: tax changes from 1 January 2026, NPD), Sodra (contribution rates, VDU 2026, pension units, unemployment benefit from 1 July 2026), Ministry of Social Security and Labour (basic pension, child money), Labour Code, Bank of Lithuania (lending limits), Eurostat.":"Uradni viri: Državni davčni inšpektorat (VMI: davčne spremembe od 1. januarja 2026, NPD), Sodra (stopnje prispevkov, VDU 2026, pokojninske enote, nadomestilo za brezposelnost od 1. julija 2026), Ministrstvo za socialno varnost in delo (osnovna pokojnina, otroški denar), Zakon o delu, Banka Litve (omejitve kreditiranja), Eurostat.","Net pay on €2,000 a month":"Neto plača na 2.000 € na mesec","Monthly tax-free amount on the minimum wage":"Mesečni neobdavčeni znesek pri minimalni plači","Income tax on €150,000 of yearly pay (after NPD)":"Dohodnina na 150.000 € letne plače (po NPD)","Unemployment benefit, month 1, insured income €2,000":"Nadomestilo za brezposelnost, 1. mesec, zavarovani dohodek 2.000 €","Child money, 2 children (per year)":"Otroški denar, 2 otroka (na leto)","Social insurance contributions (VSAOI) 10.5%":"Prispevki za socialno zavarovanje (VSAOI) 10,5 %","Personal income tax 25.5% (33% above €105,300)":"Dohodnina 25,5 % (33 % nad 105.300 €)","Non-taxable minimum and dependant allowances (per year)":"Neobdavčeni minimum in olajšave za vzdrževane osebe (na leto)","Employer contributions 23.59% + risk duty":"Prispevki delodajalca 23,59 % + dajatev za poslovno tveganje","Notional account pension: the {c} recorded on your account (14% of pay each year, as a second-pillar member, indexed to wages) divided by G = {g} years of expected payout at your age and by 12. Pension age is 65 with at least 20 years; with 30 years you can retire from 63 but receive only 50% until 65. Pensions above €1,000 a month pay 25.5% income tax. Your second-pillar fund (6% of pay) is paid on top.":"Pokojnina iz namišljenega računa: {c}, zabeleženih na tvojem računu (14 % plače vsako leto kot član drugega stebra, indeksirano s plačami), deljeno z G = {g} let pričakovanega izplačevanja pri tvoji starosti in z 12. Upokojitvena starost je 65 z najmanj 20 leti; s 30 leti se lahko upokojiš od 63, vendar do 65 prejemaš le 50 %. Pokojnine nad 1.000 € na mesec plačajo 25,5 % dohodnine. Tvoj sklad drugega stebra (6 % plače) se izplača dodatno.","VSAOI 31.07% up to the minimum wage + 10% pension above":"VSAOI 31,07 % do minimalne plače + 10 % pokojnina nad njo","Redundancy pay ({m} months, Labour Law s. 112)":"Odpravnina ob presežnosti ({m} mesecev, Zakon o delu čl. 112)","{a} a month in months 1–2 ({p} of your average insured pay), then 75%, 50% and 45% of that, 8 months in total":"{a} na mesec v 1.–2. mesecu ({p} tvoje povprečne zavarovane plače), nato 75 %, 50 % in 45 % tega, skupaj 8 mesecev","Labour Law s. 103":"Zakon o delu čl. 103","Latvia":"Latvija","Pay is taxed at 25.5% after social insurance and the non-taxable minimum of €550 a month (€250 more per dependant); yearly income above €105,300 is taxed at 33%, settled in the annual return. The non-taxable minimum applies only with the employer that holds your tax book.":"Plača je obdavčena s 25,5 % po socialnem zavarovanju in neobdavčenem minimumu 550 € na mesec (250 € več na vzdrževano osebo); letni dohodek nad 105.300 € je obdavčen s 33 %, poravnano v letni napovedi. Neobdavčeni minimum velja samo pri delodajalcu, ki ima tvojo davčno knjižico.","Employees pay 10.5% and employers 23.59% of pay up to €105,300 a year, plus a business risk duty of €0.36 a month. Of the pension part, 6% goes to the second-pillar fund for most workers. Minimum wage €780 a month.":"Zaposleni plačajo 10,5 %, delodajalci pa 23,59 % plače do 105.300 € na leto ter dajatev za poslovno tveganje 0,36 € na mesec. Od pokojninskega dela gre pri večini delavcev 6 % v sklad drugega stebra. Minimalna plača 780 € na mesec.","Labour Law":"Zakon o delu","Overtime is paid with at least 100% extra and may not exceed 144 hours in a 4-month period. Night work earns at least 50% extra, and work on a public holiday at least 100% extra.":"Nadure se plačajo z najmanj 100 % dodatka in ne smejo preseči 144 ur v 4-mesečnem obdobju. Nočno delo prinese najmanj 50 % dodatka, delo ob prazniku pa najmanj 100 %.","144 h / 4 months":"144 h / 4 mesece","Self-employed (general regime)":"Samozaposleni (splošni režim)","Contributions are 31.07% on income up to the €780 monthly minimum wage and a 10% pension contribution on the income above it. Income tax is 25.5% of profit after contributions and the non-taxable minimum (33% above €105,300). The micro-enterprise tax and patent fee regimes are not modelled.":"Prispevki so 31,07 % na dohodek do minimalne mesečne plače 780 € in 10 % pokojninskega prispevka na dohodek nad njo. Dohodnina je 25,5 % dobička po prispevkih in neobdavčenem minimumu (33 % nad 105.300 €). Davek za mikropodjetja in režim patentne pristojbine nista upoštevana.","Notional account pension":"Pokojnina iz namišljenega računa","Contributions of 14% of pay (20% if you are not in the second pillar) are recorded on a personal account and indexed with the national wage bill. At retirement the capital is divided by G, the expected payout period at your age (17.24 years at 65 in the 2025 table, updated each January from life expectancy).":"Prispevki v višini 14 % plače (20 %, če nisi v drugem stebru) se beležijo na osebnem računu in indeksirajo z nacionalno maso plač. Ob upokojitvi se kapital deli z G, pričakovanim obdobjem izplačevanja pri tvoji starosti (17,24 leta pri 65 v tabeli 2025, posodobljeno vsak januar glede na življenjsko dobo).","Age and minimum":"Starost in minimum","Pension age is 65 with at least 20 years of insurance. With 30 years you can retire 2 years earlier, but the pension is paid at 50% until 65. A minimum pension applies (base €213 in 2026, more with longer service); pensions above €1,000 a month are taxed at 25.5%.":"Upokojitvena starost je 65 z najmanj 20 leti zavarovanja. S 30 leti se lahko upokojiš 2 leti prej, vendar se pokojnina do 65 izplačuje v višini 50 %. Velja najnižja pokojnina (osnova 213 € v 2026, več z daljšo dobo); pokojnine nad 1.000 € na mesec so obdavčene s 25,5 %.","Contributions to a private pension fund (third pillar) reduce taxable income by up to 20% of it and at most €4,000 a year (together with life insurance and investment accounts).":"Prispevki v zasebni pokojninski sklad (tretji steber) znižajo obdavčljivi dohodek za do 20 % tega in največ 4.000 € na leto (skupaj z življenjskim zavarovanjem in investicijskimi računi).","Private pension funds (third pillar): contributions reduce your income tax and the money can be taken from age 55 (from 60 for newer contracts). The second pillar, financed from 6% of your pay, is a separate fund paid with your state pension.":"Zasebni pokojninski skladi (tretji steber): prispevki znižajo dohodnino, denar pa je mogoče dvigniti od 55. leta (od 60. za novejše pogodbe). Drugi steber, financiran iz 6 % tvoje plače, je ločen sklad, ki se izplačuje z državno pokojnino.","Midsummer Eve (Līgo)":"Večer pred kresom (Līgo)","Midsummer Day (Jāņi)":"Kres (Jāņi)","New Year’s Eve":"Silvestrovo","At least 4 calendar weeks of paid leave a year (20 working days), not counting public holidays; parents of children under 14 get extra days. 4 May and 18 November move to Monday when they fall on a weekend.":"Najmanj 4 koledarski tedni plačanega dopusta na leto (20 delovnih dni), prazniki se ne štejejo; starši otrok do 14. leta dobijo dodatne dni. 4. maj in 18. november se premakneta na ponedeljek, ko padeta na vikend.","112 days (56 before and 56 after the birth)":"112 dni (56 pred rojstvom in 56 po njem)","80% of average insured pay":"80 % povprečne zavarovane plače","10 working days within 6 months of the birth":"10 delovnih dni v 6 mesecih po rojstvu","Until the child is 1 (or 1½); 2 months reserved for each parent":"Dokler otrok ne dopolni 1 leta (ali 1½); 2 meseca rezervirana za vsakega starša","43.75% (or 30% over 1½ years) of insured pay; 60% for the reserved months":"43,75 % (ali 30 % v 1½ leta) zavarovane plače; 60 % za rezervirane mesece","Family state benefit":"Državni družinski dodatek","€25 a month for one child, €100 for two, €225 for three, €100 per child for four or more":"25 € na mesec za enega otroka, 100 € za dva, 225 € za tri, 100 € na otroka za štiri ali več","Days 2–10 paid by the employer, then sickness benefit from VSAA":"Dni 2–10 plača delodajalec, nato nadomestilo za bolezen od VSAA","75% (days 2–3), then 80%":"75 % (dni 2–3), nato 80 %","Dismissed for redundancy or other reasons not my fault":"Odpoved zaradi presežnosti ali drugih razlogov brez moje krivde","The employer gives 1 month’s notice (10 days in some cases). Redundancy pay is 1 month’s average earnings with less than 5 years of service, 2 months for 5–10 years, 3 months for 10–20 years and 4 months after 20 years. It is subject to income tax but not to social insurance.":"Delodajalec da 1-mesečni odpovedni rok (v nekaterih primerih 10 dni). Odpravnina ob presežnosti je 1 povprečni mesečni zaslužek pri manj kot 5 letih delovne dobe, 2 meseca pri 5–10 letih, 3 meseci pri 10–20 letih in 4 meseci po 20 letih. Zanjo se plača dohodnina, socialno zavarovanje pa ne.","50% of your average insured pay with 1–9 years of insurance, 55% with 10–19, 60% with 20–29 and 65% with 30 or more, for months 1–2; then 75% of that in months 3–4, 50% in 5–6 and 45% in 7–8. From 1 April 2026 any work income suspends the benefit.":"50 % tvoje povprečne zavarovane plače z 1–9 leti zavarovanja, 55 % z 10–19, 60 % z 20–29 in 65 % s 30 ali več, za 1.–2. mesec; nato 75 % tega v 3.–4. mesecu, 50 % v 5.–6. in 45 % v 7.–8. Od 1. aprila 2026 vsak dohodek iz dela zadrži nadomestilo.","Give your tax book to your main employer, or the €550 non-taxable minimum is applied only in the annual return.":"Svojo davčno knjižico daj glavnemu delodajalcu, sicer se neobdavčeni minimum 550 € upošteva šele v letni napovedi.","The family state benefit is shown separately (€25 a month for one child, €100 for two, €225 for three). Each dependant child adds €250 a month to the non-taxable amount of the parent who claims them.":"Državni družinski dodatek je prikazan ločeno (25 € na mesec za enega otroka, 100 € za dva, 225 € za tri). Vsak vzdrževani otrok doda 250 € na mesec k neobdavčenemu znesku starša, ki ga uveljavlja.","Redundancy pay ({m} months)":"Odpravnina ob presežnosti ({m} mesecev)","112 days at 80%, then parental benefit until age 1":"112 dni z 80 %, nato starševsko nadomestilo do 1. leta","10 working days at 80%":"10 delovnih dni z 80 %","Until age 1 or 1½, 2 months reserved per parent":"Do 1. leta ali 1½, 2 meseca rezervirana na starša","75–80% (employer days 2–10)":"75–80 % (delodajalec dni 2–10)","Annual tax and contributions for one employee whose tax book is with this employer, with the 2026 rules. Deductions for education and medical costs, the higher tax-free amount for pensioners and disabled people, and the micro-enterprise regime are not modelled.":"Letni davek in prispevki za enega zaposlenega, čigar davčna knjižica je pri tem delodajalcu, po pravilih 2026. Odbitki za izobraževanje in zdravstvene stroške, višji neobdavčeni znesek za upokojence in invalide ter režim mikropodjetij niso upoštevani.","Official sources: State Revenue Service (VID: non-taxable minimum, IIN and VSAOI rates 2026), State Social Insurance Agency (VSAA: pensions, G table, unemployment benefit from 1 April 2026, family benefit), Ministry of Welfare, Labour Law, Bank of Latvia (borrower-based measures), Eurostat.":"Uradni viri: Državna služba za prihodke (VID: neobdavčeni minimum, stopnje IIN in VSAOI 2026), Državna agencija za socialno zavarovanje (VSAA: pokojnine, tabela G, nadomestilo za brezposelnost od 1. aprila 2026, družinski dodatek), Ministrstvo za blaginjo, Zakon o delu, Banka Latvije (ukrepi na strani kreditojemalcev), Eurostat.","Net pay on the €780 minimum wage":"Neto plača pri minimalni plači 780 €","Income tax on €120,000 of taxable income":"Dohodnina na 120.000 € obdavčljivega dohodka","Pension from €100,000 of capital at 65 (per month)":"Pokojnina iz 100.000 € kapitala pri 65 (na mesec)","Redundancy pay after 12 years (months)":"Odpravnina ob presežnosti po 12 letih (meseci)","Unemployment benefit rate with 22 years insured":"Stopnja nadomestila za brezposelnost z 22 leti zavarovanja","Family state benefit, 2 children (per year)":"Državni družinski dodatek, 2 otroka (na leto)","Social contributions 23.1% (pension 15.5%, health 6.36%, long-term care 1%, other 0.24%)":"Prispevki za socialno varnost 23,1 % (pokojnina 15,5 %, zdravstvo 6,36 %, dolgotrajna oskrba 1 %, drugo 0,24 %)","Compulsory health contribution (€39.36 a month)":"Obvezni zdravstveni prispevek (39,36 € na mesec)","Income tax (dohodnina, 16–50%)":"Dohodnina (16–50 %)","General tax relief (per year)":"Splošna olajšava (na leto)","Employer contributions 17.1%":"Prispevki delodajalca 17,1 %","Old-age pension: {a} of your pension base ({b}, the average net pay of your best 24 years, revalued), from 29.5% for 15 years plus 1.36 points a year (63.5% at 40 years; up to 3 points more for each of years 41–43). You can retire at 65 with 15 years or at 60 with 40 years. An annual allowance is paid each autumn; tax on larger pensions is not deducted here.":"Starostna pokojnina: {a} tvoje pokojninske osnove ({b}, povprečna neto plača najugodnejših 24 let, valorizirana), od 29,5 % za 15 let in 1,36 točke na leto (63,5 % pri 40 letih; do 3 točke več za vsako od let 41–43). Upokojiš se lahko pri 65 s 15 leti ali pri 60 s 40 leti. Letni dodatek se izplača vsako jesen; davek na višje pokojnine tu ni odštet.","Minimum contributions of a sole trader (€651.04 a month)":"Najnižji prispevki samostojnega podjetnika (651,04 € na mesec)","Severance pay ({f} of monthly pay per year of service)":"Odpravnina ({f} mesečne plače za vsako leto delovne dobe)","{a} a month in months 1–3 (80% of your average gross pay, €1,037.32–€1,926.44), then 60% and 50%, for {n} months (gross)":"{a} na mesec v 1.–3. mesecu (80 % tvoje povprečne bruto plače, 1.037,32–1.926,44 €), nato 60 % in 50 %, za {n} mesecev (bruto)","Notice (business reasons)":"Odpovedni rok (poslovni razlog)","Severance per year":"Odpravnina na leto","{d} days":"{d} dni","30 days (60 after 1 year in some contracts)":"30 dni (pri nekaterih pogodbah 60 po 1 letu)","Employment Relationships Act art. 94":"Zakon o delovnih razmerjih čl. 94","Slovenia":"Slovenija","Income tax (dohodnina) 2026":"Dohodnina 2026","The yearly net tax base is taxed at 16% up to €9,721.43, 26% up to €28,592.44, 33% up to €57,184.88, 39% up to €82,346.23 and 50% above. The general relief is €5,551.93, increased by 20,832.39 − 1.17259 × income for total income up to €17,766.18. Reliefs for children and the young are not included.":"Letna neto davčna osnova je obdavčena s 16 % do 9.721,43 €, 26 % do 28.592,44 €, 33 % do 57.184,88 €, 39 % do 82.346,23 € in 50 % nad tem. Splošna olajšava je 5.551,93 €, za skupni dohodek do 17.766,18 € pa se poveča za 20.832,39 − 1,17259 × dohodek. Olajšave za otroke in mlade niso vključene.","Employees pay 23.1% (pension 15.5%, health 6.36%, long-term care 1% since July 2025, parental 0.1%, employment 0.14%) and a flat compulsory health contribution of €39.36 a month. Employers pay 17.1%. Minimum wage €1,481.88 a month from January 2026.":"Zaposleni plačajo 23,1 % (pokojnina 15,5 %, zdravstvo 6,36 %, dolgotrajna oskrba 1 % od julija 2025, starševsko varstvo 0,1 %, zaposlovanje 0,14 %) in pavšalni obvezni zdravstveni prispevek 39,36 € na mesec. Delodajalci plačajo 17,1 %. Minimalna plača 1.481,88 € na mesec od januarja 2026.","Employment Relationships Act and collective agreements":"Zakon o delovnih razmerjih in kolektivne pogodbe","Overtime is limited to 8 hours a week, 20 a month and 170 a year; the supplement is set by collective agreements, usually 30%. Night work typically adds 50%, and work on Sundays and public holidays 50% or more.":"Nadure so omejene na 8 ur na teden, 20 na mesec in 170 na leto; dodatek določajo kolektivne pogodbe, običajno 30 %. Nočno delo običajno doda 50 %, delo ob nedeljah in praznikih pa 50 % ali več.","8 h / week, 170 h / year":"8 h / teden, 170 h / leto","Sole trader with normed expenses (normiranec)":"Samostojni podjetnik z normiranimi odhodki (normiranec)","A full-time normiranec deducts 80% of revenue as normed expenses and pays a final 20% tax on the remaining 20% (4% of revenue). Minimum social contributions are €651.04 a month from March 2026 (40.2% of 60% of the 2025 average wage, plus the flat health contribution). The 2026 reform lowers the revenue limit and adds income brackets; check your eligibility.":"Normiranec s polnim delovnim časom odbije 80 % prihodkov kot normirane odhodke in plača dokončni 20 % davek na preostalih 20 % (4 % prihodkov). Najnižji socialni prispevki so od marca 2026 651,04 € na mesec (40,2 % od 60 % povprečne plače 2025 in pavšalni zdravstveni prispevek). Reforma 2026 znižuje prihodkovno mejo in dodaja dohodkovne razrede; preveri, ali izpolnjuješ pogoje.","The pension is a percentage of your pension base, the average net pay of your best 24 consecutive years, revalued: 29.5% for 15 years plus 1.36 points for each further year, 63.5% for 40 years (men and women alike since 2023); years 41–43 add more. From 2035 each year will count 1.6 points (70% at 40 years).":"Pokojnina je odstotek tvoje pokojninske osnove, povprečne neto plače najugodnejših 24 zaporednih let, valorizirane: 29,5 % za 15 let in 1,36 točke za vsako nadaljnje leto, 63,5 % za 40 let (od 2023 enako za moške in ženske); leta 41–43 dodajo več. Od 2035 bo vsako leto štelo 1,6 točke (70 % pri 40 letih).","Retirement conditions":"Pogoji za upokojitev","In 2026: age 60 with 40 years of pension service, or age 65 with at least 15 years of insurance. The 2024 reform raises the general age gradually to 67 from 2028. Pensioners receive an annual allowance each year.":"V 2026: starost 60 s 40 leti pokojninske dobe ali starost 65 z najmanj 15 leti zavarovanja. Reforma iz 2024 splošno starost od 2028 postopno zvišuje na 67. Upokojenci vsako leto prejmejo letni dodatek.","Premiums for supplementary pension insurance (PDPZ), yours and your employer’s together, reduce the tax base up to 5.844% of gross pay and at most €2,819.09 a year.":"Premije za prostovoljno dodatno pokojninsko zavarovanje (PDPZ), tvoje in delodajalčeve skupaj, znižajo davčno osnovo do 5,844 % bruto plače in največ 2.819,09 € na leto.","Voluntary supplementary pension insurance (PDPZ), often co-financed by employers: premiums within the limit are tax-deductible, and the annuity from 60 is taxed (half of it enters the tax base; about 10% of the balance here).":"Prostovoljno dodatno pokojninsko zavarovanje (PDPZ), ki ga pogosto sofinancirajo delodajalci: premije v okviru omejitve so davčno odbitne, renta od 60. leta pa je obdavčena (polovica gre v davčno osnovo; tu približno 10 % stanja).","New Year’s holiday":"Novoletni praznik","Prešeren Day (culture day)":"Prešernov dan, slovenski kulturni praznik","Day of Uprising Against Occupation":"Dan upora proti okupatorju","Labour Day (second day)":"Praznik dela (drugi dan)","Reformation Day":"Dan reformacije","Remembrance Day":"Dan spomina na mrtve","Independence and Unity Day":"Dan samostojnosti in enotnosti","At least 4 weeks of paid leave a year (20 days for a 5-day week), plus extra days for older workers, parents of children under 15 and disabled workers. Holidays on a weekend are not moved. Employers must also pay a holiday allowance (regres) of at least the minimum wage, largely free of tax and contributions.":"Najmanj 4 tedne plačanega dopusta na leto (20 dni pri 5-dnevnem tednu) in dodatni dnevi za starejše delavce, starše otrok do 15. leta in delavce z invalidnostjo. Prazniki na vikend se ne premaknejo. Delodajalci morajo plačati tudi regres za letni dopust v višini najmanj minimalne plače, ki je večinoma oproščen davka in prispevkov.","105 days, starting 28 days before the birth":"105 dni, z začetkom 28 dni pred rojstvom","100% of average pay":"100 % povprečne plače","15 working days until the child is 3 months old":"15 delovnih dni, dokler otrok ni star 3 mesece","90% of average pay":"90 % povprečne plače","160 days per parent (60 not transferable), until the child is 8":"160 dni na starša (60 neprenosljivih), dokler otrok ne dopolni 8 let","90% of average pay (with a ceiling)":"90 % povprečne plače (z zgornjo mejo)","Monthly amount by family income and number of children":"Mesečni znesek glede na družinski dohodek in število otrok","Income-tested, not included here":"Odvisno od dohodka, tu ni vključeno","Days 1–20 paid by the employer, then by the health insurance fund (ZZZS)":"Dni 1–20 plača delodajalec, nato Zavod za zdravstveno zavarovanje (ZZZS)","80% of pay for illness (90% after 90 days)":"80 % plače za bolezen (90 % po 90 dneh)","Dismissed for business reasons":"Odpoved iz poslovnega razloga","For a dismissal on business grounds the notice is 15 days under 1 year of service, 30 days from 1 year, 2 more days for each year after 2 years up to 60 days, and 80 days after 25 years. Severance is 1/5 of average monthly pay for each year of service with 1–10 years, 1/4 with 10–20 years and 1/3 after 20 years, normally capped at 10 months’ pay; it is free of tax and contributions within the statutory amount.":"Pri odpovedi iz poslovnega razloga je odpovedni rok 15 dni pri manj kot 1 letu delovne dobe, 30 dni od 1 leta, po 2 letih še 2 dni za vsako leto do 60 dni in 80 dni po 25 letih. Odpravnina je 1/5 povprečne mesečne plače za vsako leto dela pri 1–10 letih, 1/4 pri 10–20 letih in 1/3 po 20 letih, običajno omejena na 10 mesečnih plač; v zakonskem znesku je oproščena davka in prispevkov.","From 2026: 80% of your average gross pay of the last 8 months for months 1–3 (at least €1,037.32, at most €1,926.44), then 60% (with lower ceilings) until month 12 and 50% after. It lasts 3 months with up to 5 years of insurance, 6 with 5–15, 9 with 15–25, 12 above 25 years, and 19 or 25 months for older workers with long careers.":"Od 2026: 80 % tvoje povprečne bruto plače zadnjih 8 mesecev za 1.–3. mesec (najmanj 1.037,32 €, največ 1.926,44 €), nato 60 % (z nižjimi zgornjimi mejami) do 12. meseca in 50 % potem. Traja 3 mesece pri do 5 letih zavarovanja, 6 pri 5–15, 9 pri 15–25, 12 nad 25 let ter 19 ali 25 mesecev za starejše delavce z dolgo kariero.","Ask about your employer’s supplementary pension plan (PDPZ): premiums up to €2,819.09 a year are free of income tax.":"Pozanimaj se o delodajalčevem dodatnem pokojninskem zavarovanju (PDPZ): premije do 2.819,09 € na leto so oproščene dohodnine.","Child benefit in Slovenia depends on family income and is not included. Each child also gives a tax relief to the parent who claims it (not modelled).":"Otroški dodatek je v Sloveniji odvisen od družinskega dohodka in ni vključen. Vsak otrok prinese tudi davčno olajšavo staršu, ki jo uveljavlja (ni upoštevano).","1/5–1/3 of pay per year":"1/5–1/3 plače na leto","105 days at 100%, then parental leave at 90%":"105 dni s 100 %, nato starševski dopust z 90 %","15 working days at 90%":"15 delovnih dni z 90 %","160 days per parent at 90%":"160 dni na starša z 90 %","80% (employer days 1–20)":"80 % (delodajalec dni 1–20)","Annual tax and contributions for one employee with the 2026 scale and the general relief only. Child, young-person and other reliefs, the holiday allowance (regres) and Christmas bonuses, and meal and travel allowances are not modelled.":"Letni davek in prispevki za enega zaposlenega po lestvici 2026 samo s splošno olajšavo. Olajšave za otroke, mlade in druge olajšave, regres in božičnica ter povračila za prehrano in prevoz niso upoštevani.","Official sources: Financial Administration (FURS: tax scale and reliefs 2026, Uradni list RS 104/25), ZPIZ (pension accrual and conditions), Employment Service of Slovenia (ESS: unemployment benefit 2026), ZZZS (compulsory health contribution), Employment Relationships Act (ZDR-1), Ministry of Labour (minimum wage 2026), Bank of Slovenia (lending limits), Eurostat.":"Uradni viri: Finančna uprava (FURS: dohodninska lestvica in olajšave 2026, Uradni list RS 104/25), ZPIZ (odmera pokojnine in pogoji), Zavod RS za zaposlovanje (ZRSZ: denarno nadomestilo 2026), ZZZS (obvezni zdravstveni prispevek), Zakon o delovnih razmerjih (ZDR-1), Ministrstvo za delo (minimalna plača 2026), Banka Slovenije (omejitve kreditiranja), Eurostat.","Income tax on a net tax base of €30,000":"Dohodnina na neto davčno osnovo 30.000 €","General relief at a total income of €15,000":"Splošna olajšava pri skupnem dohodku 15.000 €","Employee contributions on €2,500 a month (incl. flat health contribution)":"Prispevki zaposlenega na 2.500 € na mesec (s pavšalnim zdravstvenim prispevkom)","Pension accrual rate for 40 years":"Odmerni odstotek pokojnine za 40 let","Maximum unemployment benefit, months 1–3 (gross)":"Najvišje nadomestilo za brezposelnost, meseci 1–3 (bruto)","Unemployment benefit duration with 20 years insured (months)":"Trajanje nadomestila za brezposelnost z 20 leti zavarovanja (meseci)","Minimum monthly contributions of a sole trader (from March 2026)":"Najnižji mesečni prispevki samostojnega podjetnika (od marca 2026)","No transfer tax for the buyer (the seller pays income tax on the sale)":"Kupec ne plača davka na promet (prodajalec plača dohodnino od prodaje)","Notary fee (regulated tariff) and land registry (ANCPI) 0.15% (estimate, about 1.2%)":"Notarska pristojbina (regulirana tarifa) in zemljiška knjiga (ANCPI) 0,15 % (ocena, približno 1,2 %)","Bank valuation and loan fees (estimate)":"Bančna cenitev in stroški kredita (ocena)","No real estate transfer tax":"Ni davka na promet nepremičnin","Land registry entry, contract and valuation (estimate)":"Vpis v zemljiško knjigo, pogodba in cenitev (ocena)","No transfer tax; notary fee and Centre of Registers fees (estimate, about 0.5%)":"Brez davka na promet; notarska pristojbina in pristojbine Centra registrov (ocena, približno 0,5 %)","State fee for registering ownership in the Land Register (1.5% of value for private buyers)":"Državna pristojbina za vpis lastništva v zemljiško knjigo (1,5 % vrednosti za zasebne kupce)","Notary and mortgage registration (estimate, about 0.3%)":"Notar in vpis hipoteke (ocena, približno 0,3 %)","Real property transfer tax 2% (paid by the seller by law)":"Davek na promet nepremičnin 2 % (po zakonu ga plača prodajalec)","Notary, land registry and loan costs (estimate, about 0.5%)":"Notar, zemljiška knjiga in stroški kredita (ocena, približno 0,5 %)","No tax relief on mortgage interest; the state-guaranteed Noua Casă programme (5% deposit) is not modelled.":"Davčne olajšave za obresti stanovanjskega kredita ni; program Noua Casă z državnim jamstvom (5 % pologa) ni upoštevan.","No tax relief on mortgage interest (the young people’s interest bonus ended).":"Davčne olajšave za obresti stanovanjskega kredita ni (bonus za obresti za mlade je prenehal).","No relief for new mortgages (interest deduction only for loans taken before 2009).":"Za nove stanovanjske kredite ni olajšave (odbitek obresti samo za kredite, najete pred 2009).","National Bank of Romania: a loan in lei of up to 85% of the value (more with the state-guaranteed Noua Casă programme); total debt payments at most 40% of net income, 45% for the first home loan.":"Narodna banka Romunije: kredit v levih do 85 % vrednosti (več s programom Noua Casă z državnim jamstvom); skupna odplačila dolgov največ 40 % neto dohodka, 45 % za prvi stanovanjski kredit.","National Bank of Slovakia: loan at most 90% of the value (only a limited share of new loans above 80%, with room for young first-time buyers); total debt at most 8 times yearly net income (less from age 41); payments at most 60% of net income after living costs, tested at a higher rate.":"Narodna banka Slovaške: kredit največ 90 % vrednosti (le omejen delež novih kreditov nad 80 %, s prostorom za mlade prve kupce); skupni dolg največ 8-kratnik letnega neto dohodka (od 41. leta manj); obroki največ 60 % neto dohodka po življenjskih stroških, preverjeno pri višji obrestni meri.","Bank of Lithuania: 85% of the value for the first home (70% for further homes), payments at most 40% of net income (tested at a higher rate), at most 30 years.":"Banka Litve: 85 % vrednosti za prvi dom (70 % za nadaljnje), obroki največ 40 % neto dohodka (preverjeno pri višji obrestni meri), največ 30 let.","Bank of Latvia: loan at most 90% of the value, payments at most 40% of net income (45% for energy-efficient homes), total debt at most 6 times yearly net income (8 times for energy-efficient homes), at most 30 years.":"Banka Latvije: kredit največ 90 % vrednosti, obroki največ 40 % neto dohodka (45 % za energijsko učinkovite domove), skupni dolg največ 6-kratnik letnega neto dohodka (8-kratnik za energijsko učinkovite domove), največ 30 let.","Bank of Slovenia: payments at most 50% of net income (with a protected minimum for low incomes) and loans of up to 80% of the property value.":"Banka Slovenije: obroki največ 50 % neto dohodka (z zaščitenim minimumom za nizke dohodke) in krediti do 80 % vrednosti nepremičnine.","Gross needed: {g} a month ({y} a year without bonus)":"Potreben bruto: {g} na mesec ({y} na leto brez bonusa)","I enter":"Vnesem","Gross pay (before tax)":"Bruto plačo (pred davki)","The net pay I want (find the gross)":"Želeno neto plačo (poišči bruto)","These results use the {y} rules. The {n} changes (new tax bands, contribution caps, minimum wages, pension values) are being added country by country; until then, results for {n} can differ.":"Ti rezultati uporabljajo pravila za leto {y}. Spremembe za {n} (novi davčni razredi, meje prispevkov, minimalne plače, vrednosti pokojnin) dodajamo državo za državo; do takrat se rezultati za {n} lahko razlikujejo.","These results use the {y} rules for {c}. The {n} changes (new tax bands, contribution caps, minimum wage, pension values) are being added; until then, results for {n} can differ.":"Ti rezultati uporabljajo pravila za leto {y} za državo {c}. Spremembe za {n} (novi davčni razredi, meje prispevkov, minimalna plača, vrednosti pokojnin) dodajamo; do takrat se rezultati za {n} lahko razlikujejo.","{y} rules for every country":"Pravila za leto {y} za vse države","{y} rules for {c}":"Pravila za leto {y} za državo {c}","Last checked against official sources: {m}":"Zadnjič preverjeno z uradnimi viri: {m}","Public holidays on weekdays in 2026 (Ontario)":"Prazniki na delovne dni v 2026 (Ontario)","Legal minimum annual leave (working days)":"Zakonski minimum letnega dopusta (delovni dnevi)","Ontario land transfer tax on a $500,000 home (not a first-time buyer)":"Ontarijski davek na promet zemljišč na dom za 500.000 $ (ne prvi kupec)","Stamp tax on a $100,000,000 mortgage loan":"Kolkovina na stanovanjski kredit 100.000.000 $","Transfer tax on a €200,000 home":"Davek na promet na dom za 200.000 €","Alberta":"Alberta","British Columbia":"Britanska Kolumbija","Manitoba":"Manitoba","New Brunswick":"Nova Brunswick","Newfoundland and Labrador":"Nova Fundlandija in Labrador","Nova Scotia":"Nova Škotska","Ontario":"Ontario","Prince Edward Island":"Otok princa Edvarda","Quebec":"Québec","Saskatchewan":"Saskatchewan","Québec Pension Plan (QPP) 6.30%":"Québec Pension Plan (QPP) 6,30 %","Canada Pension Plan (CPP) 5.95%":"Canada Pension Plan (CPP) 5,95 %","Second additional QPP 4% (QPP2)":"Drugi dodatni QPP 4 % (QPP2)","Second additional CPP 4% (CPP2)":"Drugi dodatni CPP 4 % (CPP2)","Employment Insurance 1.30%":"Employment Insurance 1,30 %","Employment Insurance 1.63%":"Employment Insurance 1,63 %","Québec Parental Insurance Plan 0.430%":"Québec Parental Insurance Plan 0,430 %","Federal income tax (after the 16.5% Quebec abatement)":"Zvezna dohodnina (po 16,5 % znižanju za Québec)","Provincial income tax ({p})":"Provincialna dohodnina ({p})","Ontario Health Premium":"Ontario Health Premium","Federal basic personal amount":"Zvezni osnovni osebni znesek","Employer QPP, EI (1.4 times yours) and QPIP":"QPP, EI (1,4-kratnik tvojega) in QPIP delodajalca","Employer CPP and EI (1.4 times yours)":"CPP in EI delodajalca (1,4-kratnik tvojega)","CPP retirement pension {c} a month: 25% of your average earnings up to the YMPE ($74,600) over your best years, plus the enhancements since 2019 (8.33% of earnings up to the YMPE and 33.33% between $74,600 and $85,000, averaged over 40 years). It is cut by 0.6% for each month before 65 (from 60) and raised by 0.7% a month after 65, up to 70. Old Age Security from 65: {o} a month ({r} of 40 years lived in Canada after 18; up to $762.50 for ages 65–74, 10% more from 75; reduced by 15% of income above $93,454). The Guaranteed Income Supplement for low incomes is not included; tax is estimated for {p}.":"Pokojnina CPP {c} na mesec: 25 % tvojega povprečnega zaslužka do YMPE (74.600 $) v najboljših letih in izboljšave od 2019 (8,33 % zaslužka do YMPE in 33,33 % med 74.600 $ in 85.000 $, povprečeno na 40 let). Za vsak mesec pred 65. letom (od 60.) se zniža za 0,6 %, po 65. letu pa zviša za 0,7 % na mesec do 70. Old Age Security od 65. leta: {o} na mesec ({r} od 40 let bivanja v Kanadi po 18. letu; do 762,50 $ za starost 65–74, 10 % več od 75; znižano za 15 % dohodka nad 93.454 $). Guaranteed Income Supplement za nizke dohodke ni vključen; davek je ocenjen za {p}.","QPP both halves 12.6% + QPP2 8% (EI optional, not included)":"QPP obe polovici 12,6 % + QPP2 8 % (EI neobvezno, ni vključeno)","CPP both halves 11.9% + CPP2 8% (EI optional, not included)":"CPP obe polovici 11,9 % + CPP2 8 % (EI neobvezno, ni vključeno)","Employment Standards Act, 2000 (s. 57 and 64)":"Employment Standards Act, 2000 (čl. 57 in 64)","Act respecting labour standards (s. 82)":"Zakon o delovnih standardih (čl. 82)","Employment Standards Act (s. 63)":"Employment Standards Act (čl. 63)","Employment Standards Code (s. 56)":"Employment Standards Code (čl. 56)","Pay in lieu of notice ({w} weeks)":"Nadomestilo namesto odpovednega roka ({w} tednov)","Ontario severance pay ({w} weeks, employer payroll of $2.5 million or more)":"Ontarijska odpravnina ({w} tednov, masa plač delodajalca 2,5 milijona $ ali več)","{a} a week for about {n} weeks (55% of insurable earnings, at most $729 a week, after a one-week waiting period; the number of weeks depends on your hours and the regional unemployment rate, here {u}%)":"{a} na teden približno {n} tednov (55 % zavarovanega zaslužka, največ 729 $ na teden, po enotedenskem čakanju; število tednov je odvisno od tvojih ur in regionalne stopnje brezposelnosti, tu {u} %)","Minimum notice":"Najkrajši odpovedni rok","{w} weeks":"{w} tednov","None required by law (two weeks is customary)":"Po zakonu ni zahtevan (običajna sta dva tedna)","{w} weeks (minimum under the {p} employment standards)":"{w} tednov (minimum po delovnih standardih: {p})","Provincial employment standards act":"Provincialni zakon o delovnih standardih","Canada":"Kanada","Province":"Provinca","Regional unemployment rate %":"Regionalna stopnja brezposelnosti %","Employer payroll of $2.5 million or more (Ontario severance pay)":"Masa plač delodajalca 2,5 milijona $ ali več (ontarijska odpravnina)","Years lived in Canada after age 18 (for OAS)":"Leta bivanja v Kanadi po 18. letu (za OAS)","Federal rates are 14% up to $58,523, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above (the lowest rate was cut from 15% in 2025). Credits at 14% for the basic personal amount ($16,452, reduced to $14,829 at high incomes), the Canada employment amount ($1,501) and base CPP and EI contributions; the enhanced CPP contributions are deducted from income. In Quebec, federal tax is cut by 16.5%.":"Zvezne stopnje so 14 % do 58.523 $, 20,5 % do 117.045 $, 26 % do 181.440 $, 29 % do 258.482 $ in 33 % nad tem (najnižja stopnja je bila v 2025 znižana s 15 %). Olajšave po 14 % za osnovni osebni znesek (16.452 $, pri visokih dohodkih znižan na 14.829 $), kanadski znesek za zaposlitev (1.501 $) in osnovne prispevke CPP in EI; izboljšani prispevki CPP se odbijejo od dohodka. V Québecu je zvezni davek znižan za 16,5 %.","Provincial income tax":"Provincialna dohodnina","Each province has its own brackets and credits; all ten provinces use their 2026 values (British Columbia raised its lowest rate to 5.60% for 2026, Prince Edward Island added a 20% bracket above $200,000, Newfoundland and Labrador raised its basic amount to $13,094). Ontario adds a surtax and the Ontario Health Premium (up to $900); Quebec collects its own tax (14% to 25.75%) with a deduction for workers of up to $1,450.":"Vsaka provinca ima lastne razrede in olajšave; vseh deset provinc uporablja vrednosti za 2026 (Britanska Kolumbija je najnižjo stopnjo za 2026 zvišala na 5,60 %, Otok princa Edvarda je dodal razred 20 % nad 200.000 $, Nova Fundlandija in Labrador sta osnovni znesek zvišala na 13.094 $). Ontario doda dodatni davek in Ontario Health Premium (do 900 $); Québec pobira lastni davek (14 % do 25,75 %) z odbitkom za delavce do 1.450 $.","CPP, EI and QPIP":"CPP, EI in QPIP","Employees pay 5.95% CPP on earnings between $3,500 and $74,600 (Quebec: 6.30% QPP) and 4% CPP2 between $74,600 and $85,000; EI is 1.63% up to $68,900 (Quebec 1.30%, plus 0.430% QPIP up to $103,000). Employers match CPP and pay 1.4 times the EI premium.":"Zaposleni plačajo 5,95 % CPP na zaslužek med 3.500 $ in 74.600 $ (Québec: 6,30 % QPP) in 4 % CPP2 med 74.600 $ in 85.000 $; EI je 1,63 % do 68.900 $ (Québec 1,30 % in 0,430 % QPIP do 103.000 $). Delodajalci plačajo enak CPP in 1,4-kratnik premije EI.","Provincial employment standards":"Provincialni delovni standardi","Overtime is paid at 1.5 times the regular rate after 44 hours a week in Ontario, 40 hours in Quebec, Alberta and most other provinces, and also after 8 hours a day in British Columbia and Alberta (double time after 12 hours in BC). Public holidays worked are paid at 1.5 times plus holiday pay in most provinces.":"Nadure se plačajo po 1,5-kratni redni postavki po 44 urah na teden v Ontariu, 40 urah v Québecu, Alberti in večini drugih provinc ter tudi po 8 urah na dan v Britanski Kolumbiji in Alberti (dvojno po 12 urah v BC). Delo ob praznikih se v večini provinc plača po 1,5-kratni postavki in s prazničnim plačilom.","44 h / week in Ontario (40 in most provinces)":"44 h / teden v Ontariu (40 v večini provinc)","Self-employed people pay both halves of CPP (11.9% on profit between $3,500 and $74,600, 12.6% QPP in Quebec) and 8% CPP2 up to $85,000; the employer half and the enhanced part are deductible. EI is optional (special benefits only) and not included. GST/HST registration is required above $30,000 of sales.":"Samozaposleni plačajo obe polovici CPP (11,9 % na dobiček med 3.500 $ in 74.600 $, 12,6 % QPP v Québecu) in 8 % CPP2 do 85.000 $; delodajalčeva polovica in izboljšani del sta odbitna. EI je neobvezen (samo posebni prejemki) in ni vključen. Registracija za GST/HST je obvezna nad 30.000 $ prodaje.","Canada Pension Plan":"Canada Pension Plan","The CPP retirement pension replaces 25% of average earnings up to the YMPE, rising to 33.33% plus a part of earnings up to $85,000 as the 2019 enhancement matures. You can start it from 60 (0.6% less per month before 65) to 70 (0.7% more per month after 65). The maximum at 65 for a pension starting in January 2026 is $1,507.65 a month. The QPP in Quebec works in a similar way. The federal government plans to cut the base CPP contribution rate to 4.75% from 2027.":"Pokojnina CPP nadomesti 25 % povprečnega zaslužka do YMPE, kar z dozorevanjem izboljšave iz 2019 naraste na 33,33 % in del zaslužka do 85.000 $. Začneš jo lahko prejemati od 60 (0,6 % manj na mesec pred 65) do 70 (0,7 % več na mesec po 65). Najvišja pri 65 za pokojnino z začetkom januarja 2026 je 1.507,65 $ na mesec. QPP v Québecu deluje podobno. Zvezna vlada načrtuje znižanje osnovne stopnje prispevka CPP na 4,75 % od 2027.","Old Age Security":"Old Age Security","OAS is paid from 65 to people who lived in Canada at least 10 years after 18 (full pension after 40 years): up to $762.50 a month for ages 65–74 and $838.75 from 75 (October–December 2026). It can be deferred up to 5 years for 0.6% more per month and is reduced by 15% of net income above $93,454. The Guaranteed Income Supplement adds up to $1,138.90 a month for single people with low income.":"OAS se od 65. leta izplačuje osebam, ki so v Kanadi po 18. letu živele najmanj 10 let (polna pokojnina po 40 letih): do 762,50 $ na mesec za starost 65–74 in 838,75 $ od 75 (oktober–december 2026). Odložiti jo je mogoče do 5 let za 0,6 % več na mesec, znižana pa je za 15 % neto dohodka nad 93.454 $. Guaranteed Income Supplement doda do 1.138,90 $ na mesec za samske osebe z nizkim dohodkom.","RRSP contributions are deductible up to 18% of last year’s earned income, at most $33,810 in 2026 ({l} for you), less any pension adjustment from an employer plan. Withdrawals are taxed as income. A TFSA ($7,000 of new room a year) gives no deduction but tax-free growth and withdrawals.":"Prispevki RRSP so odbitni do 18 % lanskega zasluženega dohodka, največ 33.810 $ v 2026 (zate {l}), minus morebitna pokojninska prilagoditev iz načrta delodajalca. Dvigi so obdavčeni kot dohodek. TFSA (7.000 $ novega prostora na leto) ne da odbitka, vendar neobdavčeno rast in dvige.","Registered Retirement Savings Plan (RRSP), often with employer matching in a group plan: contributions are deductible and grow tax-free; withdrawals (or a RRIF from age 71) are taxed as income (about 25% used here). Interest in a taxable account is taxed at your marginal rate (30% used).":"Registered Retirement Savings Plan (RRSP), pogosto z ujemanjem delodajalca v skupinskem načrtu: prispevki so odbitni in rastejo neobdavčeno; dvigi (ali RRIF od 71. leta) so obdavčeni kot dohodek (tu uporabljeno približno 25 %). Obresti na obdavčljivem računu so obdavčene po tvoji mejni stopnji (uporabljeno 30 %).","Canada Day":"Dan Kanade","Louis Riel Day":"Dan Louisa Riela","Heritage Day":"Dan dediščine","Islander Day":"Dan otočanov","Family Day":"Družinski dan","National Patriots’ Day":"Nacionalni dan domoljubov","Victoria Day":"Viktorijin dan","Thanksgiving":"Zahvalni dan","British Columbia Day":"Dan Britanske Kolumbije","Saskatchewan Day":"Dan Saskatchewana","New Brunswick Day":"Dan Nove Brunswick","National Day for Truth and Reconciliation":"Nacionalni dan resnice in sprave","Fête nationale (Saint-Jean-Baptiste)":"Fête nationale (Saint-Jean-Baptiste)","Most provinces give at least 2 weeks of paid vacation a year (vacation pay 4%), rising to 3 weeks after 5 years in Ontario, British Columbia, Alberta and Manitoba, after 3 years in Quebec and after 8 years in the Maritimes; Saskatchewan gives 3 weeks from the start. The public holidays of the selected province are shown; federally regulated employers follow the Canada Labour Code.":"Večina provinc da najmanj 2 tedna plačanega dopusta na leto (nadomestilo za dopust 4 %), ki se zvišajo na 3 tedne po 5 letih v Ontariu, Britanski Kolumbiji, Alberti in Manitobi, po 3 letih v Québecu in po 8 letih v obmorskih provincah; Saskatchewan da 3 tedne od začetka. Prikazani so prazniki izbrane province; zvezno regulirani delodajalci sledijo Canada Labour Code.","Maternity benefit (QPIP)":"Porodniško nadomestilo (QPIP)","70% of average weekly earnings (insurable up to $103,000 a year)":"70 % povprečnega tedenskega zaslužka (zavarovano do 103.000 $ na leto)","Paternity benefit (QPIP)":"Očetovsko nadomestilo (QPIP)","5 weeks":"5 tednov","70% of average weekly earnings":"70 % povprečnega tedenskega zaslužka","Parental benefit (QPIP)":"Starševsko nadomestilo (QPIP)","32 weeks to share (7 at 70% and 25 at 55%), plus bonus weeks when both parents take part":"32 tednov za delitev (7 s 70 % in 25 s 55 %) in bonusni tedni, ko sodelujeta oba starša","EI sickness benefit":"Nadomestilo EI za bolezen","Up to 26 weeks after a one-week waiting period":"Do 26 tednov po enotedenskem čakanju","55% of insurable earnings, at most $729 a week":"55 % zavarovanega zaslužka, največ 729 $ na teden","EI maternity benefit":"Porodniško nadomestilo EI","15 weeks (from up to 12 weeks before the birth)":"15 tednov (od največ 12 tednov pred rojstvom)","EI parental benefit":"Starševsko nadomestilo EI","Standard: 35 weeks (40 if shared); extended: 61 weeks (69 if shared)":"Standardno: 35 tednov (40, če se deli); podaljšano: 61 tednov (69, če se deli)","55% (standard) or 33% (extended), at most $729 / $437 a week":"55 % (standardno) ali 33 % (podaljšano), največ 729 $ / 437 $ na teden","Canada Child Benefit":"Canada Child Benefit","Monthly, tax-free, by family net income and the children’s ages":"Mesečno, neobdavčeno, glede na neto družinski dohodek in starost otrok","Dismissed without cause":"Odpoved brez razloga","Employment standards set minimum written notice or pay in lieu: in Ontario 1 week after 3 months, 2 weeks after 1 year and 1 week per year up to 8 weeks, plus severance pay of 1 week per year (up to 26 weeks) after 5 years if the employer’s payroll is at least $2.5 million. Quebec: 1 to 8 weeks; British Columbia and Alberta: up to 8 weeks. Courts often award much longer “reasonable notice” under common law, which is not modelled here.":"Delovni standardi določajo najkrajši pisni odpovedni rok ali plačilo namesto njega: v Ontariu 1 teden po 3 mesecih, 2 tedna po 1 letu in 1 teden na leto do 8 tednov ter odpravnina 1 teden na leto (do 26 tednov) po 5 letih, če je masa plač delodajalca najmanj 2,5 milijona $. Québec: 1 do 8 tednov; Britanska Kolumbija in Alberta: do 8 tednov. Sodišča po common law pogosto dodelijo precej daljši „razumni odpovedni rok“, ki tu ni upoštevan.","Employment Insurance":"Employment Insurance","After 420 to 700 insured hours (by region) EI regular benefits pay 55% of average insurable weekly earnings, at most $729 a week in 2026, for 14 to 45 weeks depending on your hours and the regional unemployment rate, after a one-week waiting period. Benefits are taxable.":"Po 420 do 700 zavarovanih urah (glede na regijo) redni prejemki EI plačajo 55 % povprečnega zavarovanega tedenskega zaslužka, največ 729 $ na teden v 2026, 14 do 45 tednov glede na tvoje ure in regionalno stopnjo brezposelnosti, po enotedenskem čakanju. Prejemki so obdavčljivi.","RRSP contributions lower your tax at your marginal rate; a First Home Savings Account (FHSA, $8,000 a year) is deductible too and tax-free when you buy your first home.":"Prispevki RRSP znižajo davek po tvoji mejni stopnji; tudi First Home Savings Account (FHSA, 8.000 $ na leto) je odbiten in neobdavčen, ko kupiš prvi dom.","In Ontario the Health Premium (up to $900) is withheld with your income tax from $20,000 of taxable income.":"V Ontariu se Health Premium (do 900 $) od 20.000 $ obdavčljivega dohodka odtegne skupaj z dohodnino.","The Canada Child Benefit (and Quebec’s family allowance) depends on family net income and is not included. Spouses file separately; a spouse with little income can transfer the spousal amount (not modelled).":"Canada Child Benefit (in québeški družinski dodatek) je odvisen od neto družinskega dohodka in ni vključen. Zakonca oddata ločeni napovedi; zakonec z majhnim dohodkom lahko prenese znesek za zakonca (ni upoštevano).","Ontario: notice up to 8 weeks + severance 1 week a year":"Ontario: odpovedni rok do 8 tednov + odpravnina 1 teden na leto","15 weeks EI at 55%, then 35 weeks parental":"15 tednov EI s 55 %, nato 35 tednov starševskega","5 extra weeks when parents share":"5 dodatnih tednov, ko starša delita","35 weeks at 55% (or 61 at 33%)":"35 tednov s 55 % (ali 61 s 33 %)","EI 55% up to 26 weeks":"EI 55 % do 26 tednov","Annual payroll deductions for one employee with the 2026 federal and provincial rules (full-year values) and only the basic personal amounts. Other credits (spouse, dependants, medical, tuition), the Canada Workers Benefit, employer health taxes and municipal land transfer taxes are not modelled.":"Letni odtegljaji pri plači za enega zaposlenega po zveznih in provincialnih pravilih 2026 (vrednosti za celo leto) in samo z osnovnimi osebnimi zneski. Druge olajšave (zakonec, vzdrževane osebe, zdravstvo, šolnine), Canada Workers Benefit, zdravstveni davki delodajalcev in občinski davki na promet zemljišč niso upoštevani.","Official sources: Canada Revenue Agency (T4127 Payroll Deductions Formulas, 122nd and 123rd editions, 2026; RRSP and TFSA limits), Revenu Québec (2026 tax rates, principal changes for 2026), Employment and Social Development Canada (CPP and OAS amounts 2026, EI), provincial employment standards acts, Statistics Canada (Survey of Household Spending 2023), OECD (life expectancy).":"Uradni viri: Canada Revenue Agency (T4127 Payroll Deductions Formulas, 122. in 123. izdaja, 2026; omejitve RRSP in TFSA), Revenu Québec (davčne stopnje 2026, glavne spremembe za 2026), Employment and Social Development Canada (zneski CPP in OAS 2026, EI), provincialni zakoni o delovnih standardih, Statistics Canada (Survey of Household Spending 2023), OECD (življenjska doba).","Basic federal tax in the CRA bonus example (taxable income $55,450.76)":"Osnovni zvezni davek v primeru bonusa CRA (obdavčljivi dohodek 55.450,76 $)","Federal basic personal amount at a net income of $220,000":"Zvezni osnovni osebni znesek pri neto dohodku 220.000 $","Quebec tax before credits on $60,000 of taxable income":"Québeški davek pred olajšavami na 60.000 $ obdavčljivega dohodka","British Columbia tax reduction at a net income of $30,000":"Znižanje davka v Britanski Kolumbiji pri neto dohodku 30.000 $","Ontario surtax on $8,000 of basic Ontario tax":"Ontarijski dodatni davek na 8.000 $ osnovnega ontarijskega davka","Ontario Health Premium at $60,000 of taxable income":"Ontario Health Premium pri 60.000 $ obdavčljivega dohodka","Maximum employee CPP contribution":"Najvišji prispevek CPP zaposlenega","Maximum employee CPP2 contribution":"Najvišji prispevek CPP2 zaposlenega","Maximum employee EI premium (outside Quebec)":"Najvišja premija EI zaposlenega (zunaj Québeca)","Maximum employee QPP contribution":"Najvišji prispevek QPP zaposlenega","Maximum employee QPIP premium":"Najvišja premija QPIP zaposlenega","Maximum CPP retirement pension at 65, starting January 2026 (per month)":"Najvišja pokojnina CPP pri 65, začetek januarja 2026 (na mesec)","Maximum Old Age Security pension, ages 65–74 (per month)":"Najvišja pokojnina Old Age Security, starost 65–74 (na mesec)","RRSP dollar limit 2026":"Dolarska omejitev RRSP 2026","Ontario minimum notice after 12 years (weeks)":"Ontarijski najkrajši odpovedni rok po 12 letih (tedni)","Maximum EI regular benefit per week (55% of $68,900 ÷ 52)":"Najvišji redni tedenski prejemek EI (55 % od 68.900 $ ÷ 52)","{n}: 10% pension savings + {c} commission":"{n}: 10 % pokojninskega varčevanja + {c} provizije","Health 7% (Fonasa or Isapre minimum)":"Zdravstvo 7 % (Fonasa ali minimum Isapre)","Unemployment insurance 0.6%":"Zavarovanje za brezposelnost 0,6 %","Income tax (impuesto único, withheld monthly)":"Dohodnina (impuesto único, odtegnjena mesečno)","Contribution ceiling 90 UF a month (unemployment insurance 135.2 UF)":"Meja prispevkov 90 UF na mesec (zavarovanje za brezposelnost 135,2 UF)","Employer: pension 3.5% (from August 2026), unemployment insurance and work-accident insurance":"Delodajalec: pokojnina 3,5 % (od avgusta 2026), zavarovanje za brezposelnost in zavarovanje za nesreče pri delu","AFP account: about {b} saved (10% of your pay plus the new employer contribution, rising to 6% by 2033, at a 3% real return), paid as {a} a month over your expected {n} years. The legal retirement age is 65 for men and 60 for women. Years-of-contribution benefit (BAC): 0.1 UF per year, up to 2.5 UF, with at least 20 years (men) or 10 years (women): {c}. From 65 the Universal Guaranteed Pension (PGU) adds up to $231,732 a month ($250,275 from 75 now and for everyone from September 2027), reduced for base pensions above $789,139: {p}. Health 7% is deducted from pensions.":"Račun AFP: prihranjeno približno {b} (10 % tvoje plače in novi prispevek delodajalca, ki do 2033 naraste na 6 %, pri 3 % realnem donosu), izplačano kot {a} na mesec v pričakovanih {n} letih. Zakonska upokojitvena starost je 65 za moške in 60 za ženske. Nadomestilo za leta prispevkov (BAC): 0,1 UF na leto, do 2,5 UF, z najmanj 20 leti (moški) ali 10 leti (ženske): {c}. Od 65. leta Univerzalna zajamčena pokojnina (PGU) doda do 231.732 $ na mesec (250.275 $ zdaj od 75. leta in za vse od septembra 2027), znižano za osnovne pokojnine nad 789.139 $: {p}. Od pokojnin se odšteje 7 % za zdravstvo.","Contributions on 80% of fees: AFP 10% + commission, disability insurance (about 1.5%), health 7%, work-accident 0.93%":"Prispevki na 80 % honorarjev: AFP 10 % + provizija, invalidsko zavarovanje (približno 1,5 %), zdravstvo 7 %, nesreče pri delu 0,93 %","Severance (30 days of pay per year of service: {n}, at most 11; pay capped at 90 UF)":"Odpravnina (30 dni plače na leto delovne dobe: {n}, največ 11; plača omejena na 90 UF)","Pay in lieu of 30 days’ notice (capped at 90 UF)":"Plačilo namesto 30-dnevnega odpovednega roka (omejeno na 90 UF)","After resigning only your own unemployment-insurance account can be withdrawn":"Po lastni odpovedi je mogoče dvigniti le lasten račun zavarovanja za brezposelnost","About {a} in month 1 (70% of your average pay), then 55%, 45%, 40% and 35%: paid from your unemployment-insurance account and, if it runs short, from the Solidarity Fund (which has monthly caps)":"Približno {a} v 1. mesecu (70 % tvoje povprečne plače), nato 55 %, 45 %, 40 % in 35 %: plačano z računa zavarovanja za brezposelnost in, če ne zadošča, iz Solidarnostnega sklada (ki ima mesečne omejitve)","Severance (months of pay)":"Odpravnina (mesečne plače)","30 days is customary (not required by law)":"Običajno 30 dni (po zakonu ni zahtevano)","30 days, or one month’s pay instead":"30 dni ali namesto tega ena mesečna plača","Labour Code art. 161–163":"Zakon o delu čl. 161–163","Chile":"Čile","Pension fund (AFP)":"Pokojninski sklad (AFP)","Contract":"Pogodba","Indefinite (permanent)":"Za nedoločen čas (stalna)","Fixed-term":"Za določen čas","Paid one month instead of 30 days’ notice":"Plačan en mesec namesto 30-dnevnega odpovednega roka","Employers withhold the impuesto único each month on pay after pension, health and unemployment contributions: exempt up to 13.5 UTM ($974,038 in October 2026), then 4%, 8%, 13.5%, 23%, 30.4% and 35%, and 40% above 310 UTM. The UTM is updated monthly with inflation.":"Delodajalci vsak mesec odtegnejo impuesto único na plačo po pokojninskih, zdravstvenih in prispevkih za brezposelnost: oproščeno do 13,5 UTM (974.038 $ oktobra 2026), nato 4 %, 8 %, 13,5 %, 23 %, 30,4 % in 35 % ter 40 % nad 310 UTM. UTM se mesečno usklajuje z inflacijo.","Employees pay 10% into their AFP account plus the AFP’s commission (0.46% to 1.45%), 7% for health (Fonasa, or an Isapre plan costing at least that) and 0.6% unemployment insurance on an indefinite contract, on pay up to 90 UF a month. Under the 2025 pension reform employers pay a new contribution: 1% from August 2025, 3.5% from August 2026 (covering disability and survivors’ insurance), rising to 8.5% (6% for workers’ accounts). Minimum wage $553,553 a month from May 2026.":"Zaposleni plačajo 10 % na svoj račun AFP in provizijo AFP (0,46 % do 1,45 %), 7 % za zdravstvo (Fonasa ali načrt Isapre, ki stane vsaj toliko) in 0,6 % zavarovanja za brezposelnost pri pogodbi za nedoločen čas, na plačo do 90 UF na mesec. Po pokojninski reformi 2025 delodajalci plačujejo nov prispevek: 1 % od avgusta 2025, 3,5 % od avgusta 2026 (pokriva invalidsko in družinsko zavarovanje), ki naraste na 8,5 % (6 % za račune delavcev). Minimalna plača 553.553 $ na mesec od maja 2026.","Overtime is paid with at least a 50% supplement and is limited to 2 hours a day. The legal week is 42 hours from April 2026 and falls to 40 hours in April 2028 (Ley 21.561).":"Nadure se plačajo z najmanj 50 % dodatkom in so omejene na 2 uri na dan. Zakonski teden ima od aprila 2026 42 ur in se aprila 2028 zniža na 40 ur (Ley 21.561).","Fee earners (boletas de honorarios)":"Prejemniki honorarjev (boletas de honorarios)","Clients withhold 15.25% of gross fees in 2026 (rising to 17% in 2028). In the annual tax return the withholding first pays your social security contributions on 80% of your fees (AFP, disability insurance, health, work accidents) and then your income tax, calculated with presumed expenses of 30% (up to 15 UTA) on the annual scale.":"Stranke v 2026 odtegnejo 15,25 % bruto honorarjev (do 2028 naraste na 17 %). V letni davčni napovedi odtegljaj najprej plača tvoje prispevke za socialno varnost na 80 % honorarjev (AFP, invalidsko zavarovanje, zdravstvo, nesreče pri delu), nato dohodnino, izračunano z domnevnimi stroški 30 % (do 15 UTA) po letni lestvici.","AFP pension and the 2025 reform":"Pokojnina AFP in reforma 2025","Your pension comes from your AFP account, paid as a life annuity or a programmed withdrawal from 65 (men) or 60 (women). The 2025 reform (Ley 21.735) adds an employer contribution that will put 6% more of your pay into your account, a Years-of-Contribution Benefit (0.1 UF per year, up to 2.5 UF) and compensation for women’s longer life expectancy.":"Tvoja pokojnina izhaja iz računa AFP, izplačana kot doživljenjska renta ali programirani dvig od 65 (moški) ali 60 (ženske). Reforma 2025 (Ley 21.735) dodaja prispevek delodajalca, ki bo na tvoj račun dal 6 % plače več, nadomestilo za leta prispevkov (0,1 UF na leto, do 2,5 UF) in nadomestilo za daljšo življenjsko dobo žensk.","Universal Guaranteed Pension (PGU)":"Univerzalna zajamčena pokojnina (PGU)","From 65, people in the 90% of the population with lower incomes receive the PGU: $231,732 a month from February 2026 for base pensions up to $789,139, falling to zero at $1,252,602. The reform raises it to $250,275, from September 2026 for those aged 75 and over and from September 2027 for everyone from 65.":"Od 65. leta osebe v 90 % prebivalstva z nižjimi dohodki prejemajo PGU: 231.732 $ na mesec od februarja 2026 za osnovne pokojnine do 789.139 $, ki pade na nič pri 1.252.602 $. Reforma jo zviša na 250.275 $, od septembra 2026 za starejše od 75 let in od septembra 2027 za vse od 65.","Voluntary pension savings (APV) under regime B are deducted from your taxable pay up to 50 UF a month ({l} a year); under regime A the state adds a 15% bonus instead (up to 6 UTM a year).":"Prostovoljno pokojninsko varčevanje (APV) v režimu B se odbije od obdavčljive plače do 50 UF na mesec ({l} na leto); v režimu A namesto tega država doda 15 % bonusa (do 6 UTM na leto).","Voluntary pension savings (APV) and collective APV plans with employer contributions: regime B lowers your income tax now and withdrawals at retirement are taxed as pension income (about 8% used here); early withdrawals are taxed with a surcharge.":"Prostovoljno pokojninsko varčevanje (APV) in kolektivni načrti APV s prispevki delodajalca: režim B zdaj zniža dohodnino, dvigi ob upokojitvi pa so obdavčeni kot pokojninski dohodek (tu uporabljeno približno 8 %); predčasni dvigi so obdavčeni z doplačilom.","Navy Day":"Dan mornarice","National Indigenous Peoples’ Day":"Nacionalni dan avtohtonih ljudstev","Saint Peter and Saint Paul":"Sv. Peter in Pavel","Our Lady of Mount Carmel":"Gospa s Karmela","Army Day":"Dan vojske","Meeting of Two Worlds":"Srečanje dveh svetov","Evangelical and Protestant Churches Day":"Dan evangeličanskih in protestantskih cerkva","15 working days of paid holiday a year after one year of service, plus one more day for every 3 years beyond 10 years of work (feriado progresivo). Holidays on a weekend are not moved; election days are also public holidays.":"15 delovnih dni plačanega dopusta na leto po enem letu delovne dobe in en dan več za vsaka 3 leta nad 10 leti dela (feriado progresivo). Prazniki na vikend se ne premaknejo; dnevi volitev so prav tako prazniki.","Prenatal and postnatal leave":"Predporodni in poporodni dopust","6 weeks before and 12 weeks after the birth":"6 tednov pred rojstvom in 12 tednov po njem","100% of taxable pay, up to the 90 UF ceiling":"100 % obdavčljive plače, do meje 90 UF","Parental postnatal leave":"Starševski poporodni dopust","12 weeks full-time or 18 weeks part-time; the last 6 weeks can go to the father":"12 tednov s polnim delovnim časom ali 18 tednov s krajšim; zadnjih 6 tednov lahko vzame oče","100% of taxable pay, up to 90 UF":"100 % obdavčljive plače, do 90 UF","Sick pay (subsidio de incapacidad laboral)":"Bolniško nadomestilo (subsidio de incapacidad laboral)","From day 4 (from day 1 when the leave exceeds 10 days)":"Od 4. dne (od 1. dne, ko bolniška odsotnost preseže 10 dni)","Average taxable pay of the last 3 months":"Povprečna obdavčljiva plača zadnjih 3 mesecev","Dismissed for the company’s needs":"Odpoved zaradi potreb podjetja","When the employer dismisses you for the company’s needs (art. 161) after at least one year, you get 30 days of your last monthly pay for each year of service (a fraction above 6 months counts as a year), up to 330 days (11 years), with pay capped at 90 UF; plus one month’s pay if the 30 days’ notice is not given. Severance within these limits is tax-free.":"Ko te delodajalec odpusti zaradi potreb podjetja (čl. 161) po najmanj enem letu, dobiš 30 dni zadnje mesečne plače za vsako leto delovne dobe (del nad 6 meseci šteje kot leto), do 330 dni (11 let), s plačo, omejeno na 90 UF; in še eno mesečno plačo, če 30-dnevni odpovedni rok ni dan. Odpravnina v teh mejah je neobdavčena.","The unemployment insurance (AFC) pays first from your individual account and then, if it runs short, from the Solidarity Fund: 70% of your average pay in month 1, 55%, 45%, 40% and 35% in months 2–5 (more months in times of high unemployment), with upper and lower limits on the fund’s payments. The employer’s 1.6% share of its 2.4% contribution can be deducted from your severance.":"Zavarovanje za brezposelnost (AFC) najprej plačuje z individualnega računa, nato, če ne zadošča, iz Solidarnostnega sklada: 70 % povprečne plače v 1. mesecu, 55 %, 45 %, 40 % in 35 % v 2.–5. mesecu (več mesecev v času visoke brezposelnosti), z zgornjimi in spodnjimi mejami za izplačila sklada. Delodajalčev delež 1,6 % od njegovega 2,4 % prispevka se lahko odšteje od tvoje odpravnine.","Your AFP charges {c} of your pay; AFP Uno charges 0.46%. You can switch AFP at any time online.":"Tvoj AFP zaračuna {c} tvoje plače; AFP Uno zaračuna 0,46 %. AFP lahko kadarkoli zamenjaš po spletu.","Many employers pay the legal gratification (25% of pay, up to 4.75 minimum wages a year); if yours does, include it in your gross pay.":"Veliko delodajalcev plača zakonsko gratifikacijo (25 % plače, do 4,75 minimalne plače na leto); če jo tvoj, jo vključi v bruto plačo.","Family allowances (asignación familiar and the Subsidio Único Familiar) are income-tested and not included. Spouses are taxed separately.":"Družinski dodatki (asignación familiar in Subsidio Único Familiar) so odvisni od dohodka in niso vključeni. Zakonca sta obdavčena ločeno.","30 days per year, up to 11 years (90 UF cap)":"30 dni na leto, do 11 let (meja 90 UF)","18 weeks at 100%, then 12 weeks parental":"18 tednov s 100 %, nato 12 tednov starševskega","12 weeks at 100% (up to 6 for the father)":"12 tednov s 100 % (do 6 za očeta)","100% from day 4":"100 % od 4. dne","Monthly withholding for one employee with the October 2026 UTM, the 30 September 2026 UF and the employer rates from August 2026. The legal gratification, Isapre plans above 7%, family allowances and the annual tax reconciliation are not modelled.":"Mesečni odtegljaj za enega zaposlenega z UTM oktobra 2026, UF z dne 30. septembra 2026 in stopnjami delodajalca od avgusta 2026. Zakonska gratifikacija, načrti Isapre nad 7 %, družinski dodatki in letna davčna poravnava niso upoštevani.","Official sources: Servicio de Impuestos Internos (impuesto único table October 2026, UF and UTM, dólar observado), Superintendencia de Pensiones (AFP commissions, employer contribution under Ley 21.735, contribution ceilings 2026), Dirección del Trabajo (Ley 21.830 minimum wage, Labour Code), ChileAtiende (PGU 2026), INE (IX Encuesta de Presupuestos Familiares), Banco Central de Chile, OECD (life expectancy).":"Uradni viri: Servicio de Impuestos Internos (tabela impuesto único oktober 2026, UF in UTM, dólar observado), Superintendencia de Pensiones (provizije AFP, prispevek delodajalca po Ley 21.735, meje prispevkov 2026), Dirección del Trabajo (Ley 21.830 o minimalni plači, Zakon o delu), ChileAtiende (PGU 2026), INE (IX Encuesta de Presupuestos Familiares), Banco Central de Chile, OECD (življenjska doba).","Monthly income tax on $3,000,000 of taxable pay (October 2026)":"Mesečna dohodnina na 3.000.000 $ obdavčljive plače (oktober 2026)","Monthly income tax on $10,000,000 of taxable pay (October 2026)":"Mesečna dohodnina na 10.000.000 $ obdavčljive plače (oktober 2026)","Tax-free monthly threshold (13.5 UTM)":"Neobdavčeni mesečni prag (13,5 UTM)","Monthly contribution ceiling (90 UF), September 2026":"Mesečna meja prispevkov (90 UF), september 2026","AFP Uno deduction on $1,000,000 (10% + 0.46%)":"Odtegljaj AFP Uno na 1.000.000 $ (10 % + 0,46 %)","Universal Guaranteed Pension (PGU) for a base pension of $500,000":"Univerzalna zajamčena pokojnina (PGU) za osnovno pokojnino 500.000 $","PGU from age 75 (from September 2026)":"PGU od 75. leta (od septembra 2026)","Severance after 15 years at $1,000,000 a month (11-year cap)":"Odpravnina po 15 letih pri 1.000.000 $ na mesec (meja 11 let)","Osijek, Zadar, Dubrovnik and others at 20% / 30%":"Osijek, Zadar, Dubrovnik in drugi pri 20 % / 30 %","Pension insurance, pillar I 15%":"Pokojninsko zavarovanje, I. steber 15 %","Pension insurance, pillar I 20%":"Pokojninsko zavarovanje, I. steber 20 %","Pension insurance, pillar II 5%":"Pokojninsko zavarovanje, II. steber 5 %","Income tax ({a} / {b}, {c})":"Dohodnina ({a} / {b}, {c})","Personal allowance (per year)":"Osebna olajšava (na leto)","Low-wage relief on the pillar-I pension base (per year)":"Olajšava za nizke plače na pokojninsko osnovo I. stebra (na leto)","Employer health insurance 16.5%":"Zdravstveno zavarovanje delodajalca 16,5 %","Pillar I pension: {p} personal points (your average pay ratio {v} × {y} years) × €15.64 (current pension value from 1 July 2026){s}. Pillar II account about {b}, paid as {a} a month. Old-age pension at 65 (women {l} in {r}) with 15 years; early pension from {e} with {k} years, cut by 0.2% a month (at most 12%); with 41 years from 60 without a cut. Each month after the age adds 0.45% (up to 5 years).":"Pokojnina I. stebra: {p} osebnih točk (tvoje povprečno razmerje plače {v} × {y} let) × 15,64 € (aktualna vrednost pokojnine od 1. julija 2026){s}. Račun II. stebra približno {b}, izplačan kot {a} na mesec. Starostna pokojnina pri 65 (ženske {l} v letu {r}) s 15 leti; predčasna pokojnina od {e} s {k} leti, znižana za 0,2 % na mesec (največ 12 %); z 41 leti od 60 brez znižanja. Vsak mesec po tej starosti doda 0,45 % (do 5 let).",", basic pension 75% for pillar II members":", osnovna pokojnina 75 % za člane II. stebra"," + 27% supplement":" + 27 % dodatka","Pension 20% + health 16.5% on profit (at least €1,295.45 a month)":"Pokojnina 20 % + zdravstvo 16,5 % na dobiček (najmanj 1.295,45 € na mesec)","Severance (at least 1/3 of monthly pay per year of service, at most 6 months)":"Odpravnina (najmanj 1/3 mesečne plače na leto delovne dobe, največ 6 mesecev)","{a} a month for the first 90 days (60% of your gross pay, at most €1,014), then 35% and 30%, for {n} days in total":"{a} na mesec prvih 90 dni (60 % tvoje bruto plače, največ 1.014 €), nato 35 % in 30 %, skupaj {n} dni","{m} months":"{m} mesecev","Labour Act art. 122 and 126":"Zakon o delu čl. 122 in 126","Croatia":"Hrvaška","Place of residence (local tax rates)":"Kraj prebivališča (lokalne davčne stopnje)","Member of the mandatory pension fund (pillar II)":"Član obveznega pokojninskega sklada (II. steber)","Income after pension contributions and the personal allowance (€600 a month, more for children and dependants) is taxed at the lower local rate up to €60,000 a year and the higher rate above. Each town sets its rates within legal ranges (Zagreb up to 23% / 33%; 20% / 30% where no decision was adopted). People under 25 pay no income tax and those aged 25–30 pay half.":"Dohodek po pokojninskih prispevkih in osebni olajšavi (600 € na mesec, več za otroke in vzdrževane osebe) je obdavčen po nižji lokalni stopnji do 60.000 € na leto in po višji nad tem. Vsako mesto določi svoje stopnje v zakonskih razponih (Zagreb do 23 % / 33 %; 20 % / 30 %, kjer odločitev ni bila sprejeta). Osebe, mlajše od 25 let, ne plačajo dohodnine, osebe v starosti 25–30 let pa plačajo polovico.","Employees pay 20% for pensions (15% pillar I and 5% pillar II for fund members) on pay up to €11,958 a month; for pay up to €1,300 the pillar-I base is reduced (by €300 up to €700). Employers pay 16.5% health insurance on top. Minimum wage €1,050 a month in 2026.":"Zaposleni plačajo 20 % za pokojnine (15 % I. steber in 5 % II. steber za člane sklada) na plačo do 11.958 € na mesec; za plače do 1.300 € se osnova I. stebra zniža (za 300 € do 700 €). Delodajalci dodatno plačajo 16,5 % zdravstvenega zavarovanja. Minimalna plača 1.050 € na mesec v 2026.","Labour Act and collective agreements":"Zakon o delu in kolektivne pogodbe","Overtime is limited to 10 hours a week and 180 hours a year (250 with a collective agreement) and must be paid with a supplement set by the employment contract or collective agreement, commonly 50%. Night and Sunday work are also paid with supplements.":"Nadure so omejene na 10 ur na teden in 180 ur na leto (250 s kolektivno pogodbo) in morajo biti plačane z dodatkom, ki ga določa pogodba o zaposlitvi ali kolektivna pogodba, običajno 50 %. Tudi nočno in nedeljsko delo se plačata z dodatki.","10 h / week, 180 h / year":"10 h / teden, 180 h / leto","Sole trader (obrt) taxed on income":"Obrtnik (obrt), obdavčen po dohodku","A sole trader keeping books pays pension (20%) and health (16.5%) contributions on profit, at least on €1,295.45 a month in 2026 (€472.84 a month), and income tax at the local rates after the €7,200 allowance. Flat-rate taxation (paušalni obrt, revenue up to €60,000) is not modelled.":"Obrtnik, ki vodi poslovne knjige, plača pokojninske (20 %) in zdravstvene (16,5 %) prispevke na dobiček, najmanj na 1.295,45 € na mesec v 2026 (472,84 € na mesec), in dohodnino po lokalnih stopnjah po olajšavi 7.200 €. Pavšalna obdavčitev (paušalni obrt, prihodki do 60.000 €) ni upoštevana.","The pillar-I pension is personal points (your pay compared with the national average each year, times years of service) times the current pension value, €15.64 from 1 July 2026, which is adjusted every January and July. Pensions from pillar I only receive a 27% supplement; members of a mandatory pension fund get a basic pension from 75% of their points plus a pension from their pillar-II account.":"Pokojnina I. stebra so osebne točke (tvoja plača v primerjavi z nacionalnim povprečjem vsakega leta, krat leta delovne dobe) krat aktualna vrednost pokojnine, 15,64 € od 1. julija 2026, ki se usklajuje vsak januar in julij. Pokojnine samo iz I. stebra prejmejo 27 % dodatek; člani obveznega pokojninskega sklada dobijo osnovno pokojnino iz 75 % svojih točk in pokojnino iz računa II. stebra.","Conditions":"Pogoji","In 2026: men at 65 and women at 64 with 15 years (women’s conditions reach men’s by 2030); early pension from 60 (women 59) with 35 years (women 34), reduced by 0.2% per month; with 41 years of service from 60 without a reduction.":"V 2026: moški pri 65 in ženske pri 64 s 15 leti (pogoji za ženske do 2030 dosežejo moške); predčasna pokojnina od 60 (ženske 59) s 35 leti (ženske 34), znižana za 0,2 % na mesec; z 41 leti delovne dobe od 60 brez znižanja.","Voluntary pension insurance (pillar III) gives no tax deduction, but the state adds 15% of your contributions up to €663.61 a year (at most €99.54); employer contributions are tax-free up to €67 a month.":"Prostovoljno pokojninsko zavarovanje (III. steber) ne da davčnega odbitka, vendar država doda 15 % tvojih prispevkov do 663,61 € na leto (največ 99,54 €); prispevki delodajalca so neobdavčeni do 67 € na mesec.","Voluntary pension funds (pillar III): the state incentive adds 15% of up to €663.61 a year, employers can pay up to €67 a month tax-free, and the money can be paid out from 55. Interest and capital income are taxed at 12% (not modelled for pillar III).":"Prostovoljni pokojninski skladi (III. steber): državna spodbuda doda 15 % na do 663,61 € na leto, delodajalci lahko neobdavčeno plačajo do 67 € na mesec, denar pa se lahko izplača od 55. leta. Obresti in kapitalski dohodki so obdavčeni z 12 % (za III. steber ni upoštevano).","Anti-Fascist Struggle Day":"Dan antifašističnega boja","Victory and Homeland Thanksgiving Day":"Dan zmage in domovinske hvaležnosti","Remembrance Day (Vukovar and Škabrnja)":"Dan spomina (Vukovar in Škabrnja)","Saint Stephen’s Day":"Štefanovo","At least 4 weeks of paid leave a year (20 days for a 5-day week); collective agreements usually add days for seniority, children and disability. Holidays on a weekend are not moved.":"Najmanj 4 tedne plačanega dopusta na leto (20 dni pri 5-dnevnem tednu); kolektivne pogodbe običajno dodajo dni za delovno dobo, otroke in invalidnost. Prazniki na vikend se ne premaknejo.","Compulsory from 28 days before the birth until the child is 6 months old":"Obvezno od 28 dni pred rojstvom, dokler otrok ni star 6 mesecev","10 working days (15 for twins), within 6 months of the birth":"10 delovnih dni (15 za dvojčke), v 6 mesecih po rojstvu","100% of average pay, with a ceiling":"100 % povprečne plače, z zgornjo mejo","4 months per parent (2 not transferable) for the first and second child, 15 months each from the third":"4 mesece na starša (2 neprenosljiva) za prvega in drugega otroka, 15 mesecev vsak od tretjega","100% of average pay up to a monthly ceiling":"100 % povprečne plače do mesečne zgornje meje","Monthly, by household income":"Mesečno, glede na dohodek gospodinjstva","First 42 days paid by the employer, then by the health insurance fund (HZZO)":"Prvih 42 dni plača delodajalec, nato zavod za zdravstveno zavarovanje (HZZO)","At least 70% of average pay":"Najmanj 70 % povprečne plače","The notice period is 2 weeks under 1 year of service, 1 month after 1 year, 6 weeks after 2, 2 months after 5, 2.5 months after 10 and 3 months after 20 years, plus 2 weeks (age 50+) or 1 month (age 55+) with 20 years at the same employer. After 2 years, dismissal not caused by the worker gives severance of at least one third of average monthly pay per year of service, at most 6 months’ pay; up to €1,500 per year of service is tax-free.":"Odpovedni rok je 2 tedna pri manj kot 1 letu delovne dobe, 1 mesec po 1 letu, 6 tednov po 2, 2 meseca po 5, 2,5 meseca po 10 in 3 mesece po 20 letih ter še 2 tedna (starost 50+) ali 1 mesec (starost 55+) z 20 leti pri istem delodajalcu. Po 2 letih odpoved, ki je ni povzročil delavec, prinese odpravnino najmanj tretjine povprečne mesečne plače na leto delovne dobe, največ 6 mesečnih plač; do 1.500 € na leto delovne dobe je neobdavčenih.","With 9 months of work in the last 24 (6 months under age 30) the Croatian Employment Service pays 60% of your average gross pay for the first 90 days, 35% up to day 180 and 30% after, capped at 70%, 40% and 35% of the 2025 average net wage and at least 50% of the net minimum wage; it lasts from 90 days (up to 2 years of work) to 450 days (over 25 years).":"Z 9 meseci dela v zadnjih 24 (6 mesecev pod 30. letom) Hrvaški zavod za zaposlovanje plača 60 % povprečne bruto plače prvih 90 dni, 35 % do 180. dne in 30 % potem, omejeno na 70 %, 40 % in 35 % povprečne neto plače 2025 in najmanj 50 % neto minimalne plače; traja od 90 dni (do 2 let dela) do 450 dni (nad 25 let).","Under 25 you pay no income tax, and from 25 to 30 half of it; this is already applied.":"Do 25. leta ne plačaš dohodnine, od 25. do 30. leta pa polovico; to je že upoštevano.","Pillar III voluntary pension savings earn a 15% state incentive on up to €663.61 a year.":"Prostovoljno pokojninsko varčevanje v III. stebru prinese 15 % državne spodbude na do 663,61 € na leto.","The child allowance depends on household income and is not included. Each child raises the personal allowance of the parent who claims it (0.5, 0.7, 1.0 … × €600), which is applied.":"Otroški dodatek je odvisen od dohodka gospodinjstva in ni vključen. Vsak otrok zviša osebno olajšavo staršu, ki ga uveljavlja (0,5, 0,7, 1,0 … × 600 €), kar je upoštevano.","1/3 of pay per year after 2 years, at most 6 months":"1/3 plače na leto po 2 letih, največ 6 mesecev","To 6 months at 100%, then parental leave":"Do 6 mesecev s 100 %, nato starševski dopust","4 months per parent at 100% (ceiling)":"4 mesece na starša s 100 % (zgornja meja)","70%+ (employer first 42 days)":"70 %+ (delodajalec prvih 42 dni)","Annual tax and contributions for one employee with the 2026 rules, the local rates of the selected place and the personal allowance for children. Dependants other than children, disability allowances, tax-free benefits (such as the Christmas bonus up to €700 a year) and the annual return are not modelled.":"Letni davek in prispevki za enega zaposlenega po pravilih 2026, z lokalnimi stopnjami izbranega kraja in osebno olajšavo za otroke. Vzdrževane osebe razen otrok, olajšave za invalidnost, neobdavčeni prejemki (kot božičnica do 700 € na leto) in letna napoved niso upoštevani.","Official sources: Income Tax Act (art. 14, 19, 19a), Contributions Act and the Order on contribution bases for 2026 (NN 150/25), Labour Market Act (unemployment benefit), Labour Act (notice and severance), Croatian Pension Insurance Institute and the decision on the current pension value from 1 July 2026 (NN 95/26), Croatian National Bank (consumer lending criteria), Eurostat.":"Uradni viri: zakon o dohodnini (čl. 14, 19, 19a), zakon o prispevkih in odredba o osnovah za prispevke za 2026 (NN 150/25), zakon o trgu dela (nadomestilo za brezposelnost), zakon o delu (odpovedni rok in odpravnina), Hrvaški zavod za pokojninsko zavarovanje in odločba o aktualni vrednosti pokojnine od 1. julija 2026 (NN 95/26), Hrvaška narodna banka (merila za potrošniško kreditiranje), Eurostat.","Monthly personal allowance with two children":"Mesečna osebna olajšava z dvema otrokoma","Income tax on a yearly base of €70,000 in Zagreb":"Dohodnina na letno osnovo 70.000 € v Zagrebu","Monthly pension contributions at €15,000 gross (maximum base)":"Mesečni pokojninski prispevki pri 15.000 € bruto (najvišja osnova)","Pillar-I base relief at €1,120 gross":"Olajšava osnove I. stebra pri 1.120 € bruto","Maximum unemployment benefit, first 90 days (per month)":"Najvišje nadomestilo za brezposelnost, prvih 90 dni (na mesec)","Minimum unemployment benefit (50% of the net minimum wage)":"Najnižje nadomestilo za brezposelnost (50 % neto minimalne plače)","Unemployment benefit duration with 12 years of work (days)":"Trajanje nadomestila za brezposelnost z 12 leti dela (dnevi)","Minimum monthly contributions of a sole trader taxed on income":"Najnižji mesečni prispevki obrtnika, obdavčenega po dohodku","Other provinces (estimate)":"Druge province (ocena)","Ontario land transfer tax less the first-time buyer refund (up to $4,000; Toronto adds a municipal tax)":"Ontarijski davek na promet zemljišč minus vračilo za prve kupce (do 4.000 $; Toronto doda občinski davek)","Ontario land transfer tax (Toronto adds a municipal tax)":"Ontarijski davek na promet zemljišč (Toronto doda občinski davek)","BC property transfer tax with the first-time home buyers’ exemption (tax on the first $500,000, homes up to $835,000)":"Davek BC na promet nepremičnin z oprostitvijo za prve kupce doma (davek na prvih 500.000 $, domovi do 835.000 $)","BC property transfer tax":"Davek BC na promet nepremičnin","Alberta has no land transfer tax: land titles fees for the transfer and the mortgage (estimate)":"Alberta nima davka na promet zemljišč: pristojbine zemljiške knjige za prenos in hipoteko (ocena)","Quebec welcome tax on property transfers (0.5% / 1% / 1.5%, outside Montreal; estimate of the indexed bands)":"Québeški „davek dobrodošlice“ na promet nepremičnin (0,5 % / 1 % / 1,5 %, zunaj Montreala; ocena indeksiranih razredov)","Provincial land transfer tax or registration fees (estimate, about 1%)":"Provincialni davek na promet zemljišč ali vpisne pristojbine (ocena, približno 1 %)","Mortgage default insurance premium (CMHC rates; usually added to the loan)":"Premija zavarovanja kredita za primer neplačila (stopnje CMHC; običajno dodana kreditu)","Lawyer or notary, title insurance and appraisal (estimate)":"Odvetnik ali notar, zavarovanje lastninske pravice in cenitev (ocena)","Stamp tax on the loan 0.8%":"Kolkovina na kredit 0,8 %","Notary and property registry (Conservador de Bienes Raíces), estimate about 0.6%":"Notar in nepremičninski register (Conservador de Bienes Raíces), ocena približno 0,6 %","Bank appraisal and legal study of the title (estimate, about 12 UF)":"Bančna cenitev in pravni pregled lastništva (ocena, približno 12 UF)","Real estate transfer tax 3% (paid by the buyer)":"Davek na promet nepremičnin 3 % (plača kupec)","Notary, land registry, valuation and loan fees (estimate, about 0.6%)":"Notar, zemljiška knjiga, cenitev in stroški kredita (ocena, približno 0,6 %)","Mortgage interest on a home loan is deductible up to 8 UTA a year (art. 55 bis LIR), in full for taxable income up to 90 UTA and tapering to nothing at 150 UTA; worth your top tax rate":"Obresti stanovanjskega kredita so odbitne do 8 UTA na leto (čl. 55 bis LIR), v celoti za obdavčljivi dohodek do 90 UTA in z zmanjševanjem do nič pri 150 UTA; vredno tvoje najvišje davčne stopnje","No deduction for the home you live in; a First Home Savings Account (FHSA) and the RRSP Home Buyers’ Plan help with the down payment (not modelled).":"Za dom, v katerem živiš, ni odbitka; First Home Savings Account (FHSA) in RRSP Home Buyers’ Plan pomagata pri pologu (ni upoštevano).","Insured mortgages need at least 5% down on the first $500,000 and 10% on the part up to $1.5 million (default insurance required below 20% down); uninsured loans are limited to 80% of the value. OSFI’s stress test requires qualifying at the higher of your rate + 2 points and 5.25%, and housing costs are usually limited to about 39% of gross income (44% for all debts).":"Zavarovani stanovanjski krediti zahtevajo najmanj 5 % pologa na prvih 500.000 $ in 10 % na del do 1,5 milijona $ (pod 20 % pologa je obvezno zavarovanje za primer neplačila); nezavarovani krediti so omejeni na 80 % vrednosti. Stresni test OSFI zahteva izpolnjevanje pogojev pri višji od tvoje obrestne mere + 2 točki in 5,25 %, stanovanjski stroški pa so običajno omejeni na približno 39 % bruto dohodka (44 % za vse dolgove).","No binding borrower limits. Banks usually finance up to 80% of the value (90% with the state FOGAES guarantee for a first home), and the monthly payment usually may not exceed about 25% of household income.":"Zavezujočih omejitev za kreditojemalce ni. Banke običajno financirajo do 80 % vrednosti (90 % z državnim jamstvom FOGAES za prvi dom), mesečni obrok pa običajno ne sme preseči približno 25 % dohodka gospodinjstva.","Croatian National Bank, from 1 July 2025: housing loans at most 90% of the property value, total debt payments at most 45% of income, at most 30 years; banks may exceed the limits for a limited share of loans.":"Hrvaška narodna banka, od 1. julija 2025: stanovanjski krediti največ 90 % vrednosti nepremičnine, skupna odplačila dolgov največ 45 % dohodka, največ 30 let; banke lahko omejitve presežejo za omejen delež kreditov.","The CPP estimate treats your earnings as a share of the YMPE in today’s money and assumes full Old Age Security residence unless you change it; your official estimate is in My Service Canada Account.":"Ocena CPP obravnava tvoj zaslužek kot delež YMPE v današnjem denarju in predpostavlja polno bivanje za Old Age Security, razen če to spremeniš; tvoja uradna ocena je v My Service Canada Account.","The employer contribution under the 2025 reform is phased in on a straight line from 0.1% (2026) to 6% (2033); the official calendar has yearly steps. Your AFP balance and the annuity depend on returns and the official mortality tables.":"Prispevek delodajalca po reformi 2025 je uveden linearno od 0,1 % (2026) do 6 % (2033); uradni koledar ima letne korake. Tvoje stanje AFP in renta sta odvisna od donosov in uradnih tablic umrljivosti.","The pension is an estimate: personal points use the 2025 average wage for every year, and the split between pillar I (75% for fund members) and the pillar II annuity is simplified.":"Pokojnina je ocena: osebne točke za vsako leto uporabljajo povprečno plačo 2025, razdelitev med I. stebrom (75 % za člane sklada) in rento II. stebra pa je poenostavljena.","EI weeks are estimated from your years of work (as hours) and the regional unemployment rate; court-awarded common-law notice is often much longer than the minimum shown.":"Tedni EI so ocenjeni iz tvojih let dela (kot ure) in regionalne stopnje brezposelnosti; odpovedni rok po common law, ki ga dodelijo sodišča, je pogosto precej daljši od prikazanega minimuma.","Unemployment insurance is shown as 70% to 35% of your pay for five months; the Solidarity Fund’s monthly caps and your actual account balance are not modelled.":"Zavarovanje za brezposelnost je prikazano kot 70 % do 35 % tvoje plače za pet mesecev; mesečne omejitve Solidarnostnega sklada in dejansko stanje tvojega računa niso upoštevani.","Your RRSP":"Tvoj RRSP","Your APV":"Tvoj APV","Send this message to {e}. If your email app does not open, copy the message and paste it into a new email.":"To sporočilo pošlji na {e}. Če se tvoja aplikacija za e-pošto ne odpre, sporočilo kopiraj in ga prilepi v novo e-pošto.","Open in my email app":"Odpri v moji aplikaciji za e-pošto","Copy message":"Kopiraj sporočilo","Copied":"Kopirano","You allowed PayAbacus to remember your inputs on this device.":"Z tvojim dovoljenjem si PayAbacus na tej napravi zapomni tvoje vnose.","You chose not to have your inputs remembered; nothing is stored except this choice.":"Tvoja izbira: vnosi se ne zapomnijo; shranjena je samo ta izbira.","You have not chosen yet, so nothing is remembered.":"Izbira še ni opravljena, zato se nič ne zapomni.","Stop remembering":"Ne zapominjaj več","Remember on this device":"Zapomni si na tej napravi","This notice explains what happens to data when you use PayAbacus. The person responsible (the controller) is named at the end.||No accounts and nothing sent: all calculations run in your browser. What you type is not sent to us or to anyone else, and we cannot see it.||No cookies and no tracking: the site uses no cookies, analytics, advertising, social-media plugins or profiling. Everything the page needs, including its fonts and chart library, is served from this website itself, so no other company is contacted while you use it.||Storage on your device, only with your consent: if you choose “Remember on this device”, your last inputs, language, theme and the sections you opened are kept in your browser’s local storage so you find them next time. This data stays on your device and is never sent to us. Your choice itself is stored so that we do not ask again. The legal basis is your consent (Article 6(1)(a) GDPR and Article 4(5) of Greek Law 3471/2006). You can withdraw it at any time with the button below; this deletes the stored data and does not affect what was lawful before.||Hosting: to deliver the pages, the company that hosts this website automatically receives the technical data every browser sends (IP address, date and time, page requested, browser and device type) and may keep it for a short time in server logs for security and troubleshooting. We do not use this data to identify you or to analyse your visits.||Emails: if you write to us, including with “Report a mistake”, we receive your email address and what you write. The report window only prepares a message that you can read and change; nothing is sent until you send it yourself. We use your message only to reply and to correct the site (legitimate interest, Article 6(1)(f) GDPR) and delete it when it is no longer needed, at the latest after two years. Messages to our address are forwarded by Cloudflare Email Routing to a mailbox provided by Google (Gmail); both process the messages for us.||Your rights: you can ask for access to your personal data, its correction or erasure, restriction of processing and data portability, you can object to processing, and you can withdraw consent at any time. No automated decisions or profiling take place. The site is not directed at children under 15.||We will update this notice if our practices change. Last updated: 12 October 2026.":"To obvestilo pojasnjuje, kaj se zgodi s podatki, ko uporabljaš PayAbacus. Odgovorna oseba (upravljavec) je navedena na koncu.||Brez uporabniških računov in brez pošiljanja: vsi izračuni potekajo v tvojem brskalniku. Kar vpišeš, se ne pošlje nam ali komurkoli drugemu in tega ne moremo videti.||Brez piškotkov in sledenja: stran ne uporablja piškotkov, analitike, oglasov, vtičnikov družbenih omrežij ali profiliranja. Vse, kar stran potrebuje, vključno s pisavami in knjižnico za grafe, se streže s te spletne strani same, zato med uporabo ni stika z nobenim drugim podjetjem.||Shranjevanje na tvoji napravi, samo s tvojo privolitvijo: če izbereš „Zapomni si na tej napravi“, se tvoji zadnji vnosi, jezik, tema in odprti razdelki hranijo v lokalni shrambi tvojega brskalnika, da jih najdeš naslednjič. Ti podatki ostanejo na tvoji napravi in nam se nikoli ne pošljejo. Shrani se tudi sama tvoja izbira, da te ne sprašujemo znova. Pravna podlaga je tvoja privolitev (člen 6(1)(a) GDPR in člen 4(5) grškega zakona 3471/2006). Kadarkoli jo lahko prekličeš z gumbom spodaj; to izbriše shranjene podatke in ne vpliva na zakonitost obdelave pred preklicem.||Gostovanje: za dostavo strani podjetje, ki gosti to spletno stran, samodejno prejme tehnične podatke, ki jih pošlje vsak brskalnik (naslov IP, datum in čas, zahtevana stran, vrsta brskalnika in naprave), in jih lahko kratek čas hrani v strežniških dnevnikih za varnost in odpravljanje težav. Teh podatkov ne uporabljamo za tvojo identifikacijo ali analizo tvojih obiskov.||E-pošta: če nam pišeš, tudi prek „Prijavi napako“, prejmemo tvoj e-poštni naslov in to, kar napišeš. Okno za prijavo le pripravi sporočilo, ki ga lahko prebereš in spremeniš; nič se ne pošlje, dokler ga ne pošlješ. Tvoje sporočilo uporabimo samo za odgovor in popravke strani (zakoniti interes, člen 6(1)(f) GDPR) in ga izbrišemo, ko ni več potrebno, najpozneje po dveh letih. Sporočila na naš naslov Cloudflare Email Routing posreduje v poštni predal, ki ga zagotavlja Google (Gmail); oba sporočila obdelujeta v našem imenu.||Tvoje pravice: zahtevaš lahko dostop do svojih osebnih podatkov, njihov popravek ali izbris, omejitev obdelave in prenosljivost podatkov, lahko ugovarjaš obdelavi in kadarkoli prekličeš privolitev. Avtomatiziranega odločanja ali profiliranja ni. Stran ni namenjena otrokom, mlajšim od 15 let.||To obvestilo bomo posodobili, če se naše prakse spremenijo. Zadnja posodobitev: 12. oktober 2026.","Terms of use":"Pogoji uporabe","These terms apply to the use of PayAbacus, the website and its calculators, run by {name}, {address}. By using the site you accept them; if you do not agree, please do not use it.||The service: PayAbacus is a free information tool that estimates pay, taxes, contributions, pensions, benefits, mortgages and related figures for selected countries from published rules. No registration is needed. We may change, extend, suspend or remove features or countries at any time without notice.||Estimates, not advice: all results are estimates for information only, based on simplifying assumptions. They are not tax, legal, financial, investment, employment or pension advice, and using the site creates no professional or contractual relationship with us. Do not use the results for payroll, tax returns or official applications; check them with the competent authority, your employer or a qualified professional before making decisions.||Accuracy: we use official and open sources and test the calculators against official examples, but we do not guarantee that the information is complete, correct or up to date. Rules change, sometimes during the year; each country shows the rules year and when it was last checked.||Liability: the site is provided free of charge, “as is” and “as available”. To the extent permitted by law, the owner is not liable for any loss or damage arising from the use of the site or the inability to use it, including decisions taken on the basis of its results. This does not limit liability for intent or gross negligence, for injury to life, body or health, or where liability cannot be excluded under mandatory law, including consumer protection law.||Acceptable use: you may use the site for your own information. Do not misuse it, for example by automated mass access or scraping, by trying to break or overload it, or by presenting its results as official figures or as advice from us.||Intellectual property: the texts, design, code and calculators of PayAbacus are protected by copyright. You may share screenshots or individual results for non-commercial purposes if you name PayAbacus as the source. Official data belongs to its sources (for example Eurostat, the OECD and national authorities) and is used under their reuse terms; the fonts and the chart library are used under the SIL Open Font License and the MIT licence.||Links to other websites are provided for information; their owners are responsible for their content. How we handle data is explained in the Privacy notice.||Changes: we may update these terms; the version shown here applies from its date, and continuing to use the site after a change means you accept the new version.||Law and disputes: these terms are governed by Greek law. If you are a consumer, this does not take away the protection of the mandatory law of your country of residence. Disputes are subject to the courts of Athens, Greece, unless mandatory law gives consumers another court.||Contact: {email}. Last updated: 12 October 2026.":"Ti pogoji veljajo za uporabo PayAbacus, spletne strani in njenih kalkulatorjev, ki jih upravlja {name}, {address}. Z uporabo strani jih sprejemaš; če se z njimi ne strinjaš, strani ne uporabljaj.||Storitev: PayAbacus je brezplačno informativno orodje, ki na podlagi objavljenih pravil ocenjuje plače, davke, prispevke, pokojnine, prejemke, stanovanjske kredite in povezane zneske za izbrane države. Registracija ni potrebna. Funkcije ali države lahko kadarkoli brez obvestila spremenimo, razširimo, začasno ustavimo ali odstranimo.||Ocene, ne nasveti: vsi rezultati so zgolj informativne ocene, ki temeljijo na poenostavljenih predpostavkah. Niso davčni, pravni, finančni, naložbeni, delovnopravni ali pokojninski nasvet, uporaba strani pa ne ustvari strokovnega ali pogodbenega razmerja z nami. Rezultatov ne uporabljaj za obračun plač, davčne napovedi ali uradne vloge; pred odločitvami jih preveri pri pristojnem organu, delodajalcu ali usposobljenem strokovnjaku.||Natančnost: uporabljamo uradne in odprte vire ter kalkulatorje preverjamo z uradnimi primeri, vendar ne jamčimo, da so podatki popolni, pravilni ali aktualni. Pravila se spreminjajo, včasih med letom; pri vsaki državi sta navedena leto pravil in čas zadnje preverbe.||Odgovornost: stran je na voljo brezplačno, „kakršna je“ in „kot je na voljo“. V obsegu, ki ga dovoljuje zakon, lastnik ne odgovarja za izgubo ali škodo zaradi uporabe strani ali nezmožnosti uporabe, vključno z odločitvami, sprejetimi na podlagi njenih rezultatov. To ne omejuje odgovornosti za naklep ali hudo malomarnost, za poškodbe življenja, telesa ali zdravja ali kadar odgovornosti ni mogoče izključiti po kogentnih predpisih, vključno s predpisi o varstvu potrošnikov.||Dovoljena uporaba: stran lahko uporabljaš za lastno obveščanje. Ne zlorabljaj je, na primer z avtomatiziranim množičnim dostopom ali luščenjem podatkov, s poskusi, da bi jo pokvarili ali preobremenili, ali s predstavljanjem njenih rezultatov kot uradnih podatkov ali našega nasveta.||Intelektualna lastnina: besedila, oblikovanje, koda in kalkulatorji PayAbacus so zaščiteni z avtorsko pravico. Posnetke zaslona ali posamezne rezultate lahko deliš v nekomercialne namene, če navedeš PayAbacus kot vir. Uradni podatki pripadajo svojim virom (na primer Eurostatu, OECD in nacionalnim organom) in se uporabljajo po njihovih pogojih ponovne uporabe; pisave in knjižnica za grafe se uporabljajo po licencah SIL Open Font License in MIT.||Povezave do drugih spletnih strani so navedene v informativne namene; za njihovo vsebino so odgovorni njihovi lastniki. Kako ravnamo s podatki, je pojasnjeno v Obvestilu o zasebnosti.||Spremembe: te pogoje lahko posodobimo; tukaj prikazana različica velja od svojega datuma, nadaljnja uporaba strani po spremembi pa pomeni, da novo različico sprejemaš.||Pravo in spori: za te pogoje velja grško pravo. Če si potrošnik, ti to ne odvzame varstva kogentnih predpisov države, v kateri prebivaš. Za spore so pristojna sodišča v Atenah v Grčiji, razen če kogentni predpisi potrošnikom dajejo drugo sodišče.||Kontakt: {email}. Zadnja posodobitev: 12. oktober 2026.","Disclaimer: PayAbacus provides estimates for information only. They are based on the published rules and official sources listed for each country, with simplifying assumptions, and are not tax, legal, financial, investment, employment or pension advice. Your actual pay, taxes, benefits and pension may differ, rules can change during the year, and errors are possible despite careful checks. Before making decisions, confirm with the competent authority, your employer or a qualified professional. No liability is accepted for decisions based on these results, except where the law provides otherwise.":"Izjava o omejitvi odgovornosti: PayAbacus daje zgolj informativne ocene. Temeljijo na objavljenih pravilih in uradnih virih, navedenih za vsako državo, s poenostavljenimi predpostavkami, in niso davčni, pravni, finančni, naložbeni, delovnopravni ali pokojninski nasvet. Tvoja dejanska plača, davki, prejemki in pokojnina se lahko razlikujejo, pravila se lahko med letom spremenijo, napake pa so kljub skrbnim preverbam mogoče. Pred odločitvami preveri pri pristojnem organu, delodajalcu ali usposobljenem strokovnjaku. Za odločitve na podlagi teh rezultatov ne prevzemamo odgovornosti, razen kadar zakon določa drugače.","PayAbacus uses no cookies and no tracking. With your permission it can remember your inputs, language and display choices in this browser so you find them next time. This data never leaves your device.":"PayAbacus ne uporablja piškotkov in sledenja. S tvojim dovoljenjem si lahko v tem brskalniku zapomni tvoje vnose, jezik in nastavitve prikaza, da jih najdeš naslednjič. Ti podatki nikoli ne zapustijo tvoje naprave.","Don’t remember":"Ne zapomni si","Disclaimer":"Izjava o omejitvi odgovornosti","Estimate for information only, not advice. Calculated with PayAbacus.":"Zgolj informativna ocena, ne nasvet. Izračunano s PayAbacus.","Disclaimer: estimates for information only, not tax, legal or financial advice. Confirm with the competent authority before making decisions.":"Izjava o omejitvi odgovornosti: zgolj informativne ocene, ne davčni, pravni ali finančni nasvet. Pred odločitvami preveri pri pristojnem organu.","Print or save as PDF":"Natisni ali shrani kot PDF","Printed from PayAbacus on {d}. Estimates for information only, not advice.":"Natisnjeno iz PayAbacus dne {d}. Zgolj informativne ocene, ne nasvet.","Meal card / month (net)":"Kartica za prehrano / mesec (neto)","Fuel card / month (net)":"Kartica za gorivo / mesec (neto)","Meal card (net, × 12)":"Kartica za prehrano (neto, × 12)","Fuel card (net, × 12)":"Kartica za gorivo (neto, × 12)","Net pay + benefits / year":"Neto plača + ugodnosti / leto","Entered as net amounts and added to your net pay as they are. Most countries exempt meal and fuel cards only up to a limit or for business use; above it the excess is taxed as pay, so check your payslip.":"Vnesejo se kot neto zneski in se tvoji neto plači prištejejo takšni, kot so. Večina držav kartice za prehrano in gorivo oprosti le do omejitve ali za poslovno rabo; presežek nad njo je obdavčen kot plača, zato preveri plačilno listo.","Reduction for tax withheld from pay ({p})":"Znižanje za davek, odtegnjen od plače ({p})","within €25 or 0.5% of the official figure; {n} past-year totals within 0.5% of the wage":"znotraj 25 € ali 0,5 % uradnega zneska; {n} letnih zneskov iz preteklih let znotraj 0,5 % plače","Childcare & dependent subsidies / month (net)":"Subvencije za varstvo otrok in vzdrževanih oseb / mesec (neto)","Other benefits / month (net)":"Druge ugodnosti / mesec (neto)","Extra benefits":"Dodatne ugodnosti","Partner net / month":"Neto partnerja / mesec","Partner enters":"Partner vnese","Partner salaries / year":"Plače partnerja / leto","Childcare & dependent subsidies (net, × 12)":"Subvencije za varstvo otrok in vzdrževanih oseb (neto, × 12)","Other benefits (net, × 12)":"Druge ugodnosti (neto, × 12)","Entered as net amounts and added to your net pay as they are. Most countries exempt such benefits only up to a limit or for specific uses; above it the excess is taxed as pay, so check your payslip.":"Vnesejo se kot neto zneski in se tvoji neto plači prištejejo takšni, kot so. Večina držav take ugodnosti oprosti le do omejitve ali za določene namene; presežek nad njo je obdavčen kot plača, zato preveri plačilno listo.","Work until your pension age":"Delo do upokojitvene starosti","Your money runs out at {a}":"Denarja ti zmanjka pri {a}"," Simple count, without interest, inflation or pension.":" Preprosto štetje, brez obresti, inflacije in pokojnine."," Unlike the emergency fund, which is a simple count, these results add interest, inflation and the state pension and, if you entered them, the end of the mortgage and planned drops in spending. Savings are used first; the investment account keeps growing until it is needed. So your money can last longer than the emergency-fund count suggests.":" Za razliko od rezervnega sklada, ki je preprosto štetje, ti rezultati dodajo obresti, inflacijo in državno pokojnino ter, če so vneseni, konec kredita in načrtovana znižanja porabe. Najprej se porabijo prihranki; investicijski račun raste, dokler ni potreben. Zato lahko denar zadošča dlje, kot kaže štetje rezervnega sklada.","Each dotted line, in the colour of its scenario, is the part of that scenario held in the investment account.":"Vsaka pikčasta črta v barvi svojega scenarija je del tega scenarija, ki je na investicijskem računu.","From your employer (% of gross)":"Od delodajalca (% bruto)","From your salary":"Iz tvoje plače","Plan and payout":"Načrt in izplačilo","From your bonus (% of bonus)":"Iz tvojega bonusa (% bonusa)"," Room left: {r} a year, so From your salary can go up to {p} (it is a % of salary only, without the bonus).":" Preostali prostor: {r} na leto, zato lahko „Iz tvoje plače“ doseže {p} (to je % samo od plače, brez bonusa).","{a} per salary from you + {b} from your employer":"{a} na plačo od tebe + {b} od delodajalca"," + {c} a year from your bonus":" + {c} na leto iz tvojega bonusa","= {t} a year into the plan":"= {t} na leto v načrt","Future money":"Prihodnji denar","Inflation / year (%)":"Inflacija / leto (%)"," · in today’s money":" · v današnjem denarju","In today’s money: each future amount is divided by inflation of {i} a year up to that year, so it shows what it would buy now.":"V današnjem denarju: vsak prihodnji znesek je do tistega leta deljen z inflacijo {i} na leto, zato kaže, kaj bi kupil zdaj.","Hide full breakdown ▴":"Skrij celotno razčlenitev ▴","Show full breakdown ▾":"Pokaži celotno razčlenitev ▾","{v} saved":"Prihranjeno: {v}","EFKA is still paid on your full gross; only income tax goes down. Your saving is roughly your top tax rate on every euro you contribute. The money in the plan is counted at full value, before the tax due when it is paid out; “What you gain in year 1” shows what it is worth if you take it out.":"EFKA se še vedno plača od celotnega bruto zneska; zniža se samo dohodnina. Tvoj prihranek je približno tvoja najvišja davčna stopnja na vsak vplačani evro. Denar v načrtu se šteje po polni vrednosti, pred davkom ob izplačilu; „Kaj pridobiš v 1. letu“ kaže, koliko je vreden, če ga dvigneš.","Why this differs from the table above:":"Zakaj se to razlikuje od zgornje tabele:","the table shows {d} because it counts the money in the plan at full value. Here the plan is valued as if you cashed it in after 1 year: {d} + {i} return − {x} payout tax ({r}) = {g}. The payout tax falls the longer the money stays in the plan (down to {m} after more than 20 years), so over time the gain moves closer to the table figure.":"tabela kaže {d}, ker denar v načrtu šteje po polni vrednosti. Tu je načrt ovrednoten, kot da bi bil unovčen po 1 letu: {d} + {i} donosa − {x} davka ob izplačilu ({r}) = {g}. Davek ob izplačilu pada, dlje ko denar ostane v načrtu (do {m} po več kot 20 letih), zato se pridobitev s časom približuje znesku v tabeli.","purchasing power in EUR, priced as in {c}":"kupna moč v EUR, po cenah ({c})","With Purchasing power, every amount is converted to euros and adjusted to {c} prices, so a longer bar means it buys more than the same money would there.":"Pri kupni moči je vsak znesek preračunan v evre in prilagojen cenam ({c}), zato daljši stolpec pomeni, da kupi več, kot bi tam kupil isti denar.","With Nominal EUR, amounts are only converted to euros at ECB reference rates, without adjusting for price levels.":"Pri nominalnih EUR so zneski le preračunani v evre po referenčnih tečajih ECB, brez prilagoditve ravni cen.","{h} is the reference: there you keep {gr} a year.":"Izhodišče je {h}: tam ti ostane {gr} na leto.","<b>{c}</b>: you keep {net}{fx}, {d} than in {h}. Prices are {pd} (price level {pl} vs {pgr}), so this buys what <b>{pp}</b> buys there: {ppd} purchasing power.":"<b>{c}</b>: ostane ti {net}{fx}, {d} kot v državi {h}. Cene so {pd} (raven cen {pl} proti {pgr}), zato to kupi toliko kot tam <b>{pp}</b>: {ppd} kupne moči."," / year, priced as in {c}":" / leto, po cenah ({c})","Purchasing power (priced as in {c})":"Kupna moč (po cenah: {c})","Gross for same buying power as in {c}":"Bruto za enako kupno moč kot v državi {c}","Single person, {k} children, age {a}, 2026 rules. Purchasing power converts net pay to euros and adjusts it by each country’s price level for household consumption (Eurostat, EU=100: {c} {pc}, Germany {de}, Italy {it}, Spain {es}, UK {gb}), so every amount shows what it would buy in {c}. These are national averages: big cities, especially rents in Munich, Milan, Madrid or London, can be much higher.":"Samska oseba, otroci: {k}, starost {a}, pravila 2026. Kupna moč preračuna neto plačo v evre in jo prilagodi ravni cen potrošnje gospodinjstev v vsaki državi (Eurostat, EU=100: {c} {pc}, Nemčija {de}, Italija {it}, Španija {es}, Združeno kraljestvo {gb}), zato vsak znesek kaže, kaj bi kupil v državi {c}. To so nacionalna povprečja: velika mesta, zlasti najemnine v Münchnu, Milanu, Madridu ali Londonu, so lahko precej višja."," / month, priced as in {c}":" / mesec, po cenah ({c})","Buying power / month (priced as in {c})":"Kupna moč / mesec (po cenah: {c})"," incl. unemployment benefit, priced as in {c}":" z nadomestilom za brezposelnost, po cenah ({c})","Total (priced as in {c})":"Skupaj (po cenah: {c})","Show key columns only ▴":"Pokaži samo ključne stolpce ▴","Show all details ▾":"Pokaži vse podrobnosti ▾","Money left each month after rent and bills, priced as in {c}":"Denar, ki ostane vsak mesec po najemnini in računih, po cenah ({c})","Left, priced as in {c}":"Ostane, po cenah ({c})","Same, priced as in {c}":"Enako, po cenah ({c})","What this compares: the same gross salary of {g} a year, run through each country’s 2026 tax and social-security rules for a single person aged {a} with {k} children. Each bar is that gross split into net pay (what you keep), income tax, your social security and, on top, the employer’s social security.":"Kaj se primerja: ista bruto plača {g} na leto, preračunana po davčnih in socialnovarstvenih pravilih vsake države za 2026 za samsko osebo, staro {a} let, otroci: {k}. Vsak stolpec je ta bruto, razdeljen na neto plačo (kar ti ostane), dohodnino, tvoje prispevke za socialno varnost in na vrhu prispevke delodajalca.","What this compares: from the same gross salary of {g} a year, your net pay per month in each country minus the typical rent and, if ticked, the bills for your household, from official statistics. For each country the first bar is the money left in euros; the second is the same money adjusted to {c} prices, i.e. what it would buy there. A longer second bar means more left to live on.":"Kaj se primerja: iz iste bruto plače {g} na leto tvoja neto plača na mesec v vsaki državi minus običajna najemnina in, če je označeno, računi za tvoje gospodinjstvo, iz uradnih statistik. Za vsako državo je prvi stolpec preostali denar v evrih, drugi pa isti denar, prilagojen cenam ({c}), torej kaj bi tam kupil. Daljši drugi stolpec pomeni več denarja za življenje.","What this compares: the net state pension a year in each country after the same career on the same salary ({g} a year, {y} years so far plus {m} more), claimed at the age chosen on the left. The label shows the claim age.":"Kaj se primerja: neto državna pokojnina na leto v vsaki državi po isti karieri z isto plačo ({g} na leto, doslej {y} let in še {m}), uveljavljena pri starosti, izbrani na levi. Oznaka kaže starost ob uveljavitvi.","What this compares: what you would receive in each country if your employer dismissed you without fault, on {g} a year: net severance, pay for unused leave and the estimated total unemployment benefit, stacked in each bar.":"Kaj se primerja: koliko bi znašala izplačila v vsaki državi, če bi te delodajalec odpustil brez tvoje krivde, pri {g} na leto: neto odpravnina, plačilo neizrabljenega dopusta in ocenjeno skupno nadomestilo za brezposelnost, zloženo v vsakem stolpcu.","What this compares: the legal minimum paid days off a year in each country for a 5-day week, annual leave plus public holidays that fall on weekdays in {y}. The table adds the main maternity, paternity, parental and sick-leave rules.":"Kaj se primerja: zakonski minimum plačanih prostih dni na leto v vsaki državi pri 5-dnevnem tednu, letni dopust in prazniki, ki v letu {y} padejo na delavnike. Tabela doda glavna pravila porodniškega, očetovskega, starševskega in bolniškega dopusta.","Past avg pay, EUR / year":"Pretekla povpr. plača, EUR / leto","Base year (money of)":"Izhodiščno leto (denar iz leta)","Bonus entered as":"Bonus vnesen kot","% of annual salary":"% letne plače","Amount per year":"Znesek na leto","Quick fill":"Hitra izpolnitev","Starting year":"Začetno leto","Gross / month in the starting year":"Bruto / mesec v začetnem letu","Fill empty years":"Izpolni prazna leta","Clear all years":"Počisti vsa leta","Clear the salaries entered for every year?":"Počistim plače, vnesene za vsa leta?","Enter the gross monthly salary you had each year; leave a year empty to skip it. Net pay is calculated with that year’s tax and social-security rules for {c}.":"Vnesi svojo bruto mesečno plačo za vsako leto; leto pusti prazno, da ga preskočiš. Neto plača je izračunana po davčnih in socialnovarstvenih pravilih tistega leta za državo {c}.","Enter the gross monthly salary for each year. For {c} the site has only the 2026 rules, so for earlier years also enter the net per month from your payslips.":"Vnesi bruto mesečno plačo za vsako leto. Za državo {c} ima stran samo pravila za 2026, zato za prejšnja leta vnesi tudi neto na mesec s svojih plačilnih list.","Your salary, year by year":"Tvoja plača, leto za letom","The current year uses the Salary tab when left empty. Amounts in {cur}.":"Tekoče leto uporabi zavihek Plača, če ostane prazno. Zneski v valuti: {cur}.","Bonus (% of salary)":"Bonus (% plače)","Net / month (payslip)":"Neto / mesec (plačilna lista)","calculated":"izračunano","Net per month in {y}":"Neto na mesec v letu {y}","{v} a month in {b} money · real change since {f}: {d}":"{v} na mesec v denarju iz leta {b} · realna sprememba od leta {f}: {d}","Enter at least one year to see your history.":"Vnesi vsaj eno leto, da vidiš svojo zgodovino.","Best year in real terms":"Najboljše leto realno","Weakest year in real terms":"Najšibkejše leto realno","net / month in {b} money":"neto / mesec v denarju iz leta {b}","Real change, {f} → {l}":"Realna sprememba, {f} → {l}","net pay after inflation":"neto plača po inflaciji","Prices, {f} → {b}":"Cene, {f} → {b}","what cost {a} in {f} cost {v} in {b}":"kar je v letu {f} stalo {a}, je v letu {b} stalo {v}","Net pay per year in {b} money":"Neto plača na leto v denarju iz leta {b}","Bars: your net pay each year converted into {b} money with the consumer price index, so the years can be compared. Line: the net pay as it was paid at the time.":"Stolpci: tvoja neto plača vsakega leta, preračunana v denar iz leta {b} z indeksom cen življenjskih potrebščin, da je leta mogoče primerjati. Črta: neto plača, kot je bila izplačana takrat.","Net, in {b} money":"Neto, v denarju iz leta {b}","Net, as paid":"Neto, kot izplačano","Real change in net pay vs {b}":"Realna sprememba neto plače glede na leto {b}","Real change vs {b}":"Realna sprememba glede na leto {b}","Net / year in {b} money":"Neto / leto v denarju iz leta {b}","There is no salary for {b}, so the real change is measured against {r}.":"Za leto {b} ni plače, zato se realna sprememba meri glede na leto {r}.","Net pay uses each year’s income-tax and social-security rules for an employee (Greece with the options of the Salary tab, such as children; other countries for a single person without children). “In {b} money” multiplies each year by the rise in consumer prices between that year and {b} (national consumer price index), so it shows what that pay would buy in {b}.":"Neto plača uporablja pravila dohodnine in socialne varnosti vsakega leta za zaposlenega (Grčija z možnostmi zavihka Plača, kot so otroci; druge države za samsko osebo brez otrok). „V denarju iz leta {b}“ vsako leto pomnoži z rastjo cen življenjskih potrebščin med tistim letom in letom {b} (nacionalni indeks cen življenjskih potrebščin), zato kaže, kaj bi ta plača kupila v letu {b}.","For {c}, net pay before 2026 is the amount you entered; a year without it shows no net.":"Za državo {c} je neto plača pred 2026 znesek, ki ga vneseš; leto brez njega ne kaže neta.","Salary history":"Zgodovina plač","Your salary over the years":"Tvoja plača skozi leta","For your pension: average gross so far":"Za tvojo pokojnino: povprečni bruto doslej","Average gross / month, in today’s money":"Povprečni bruto / mesec, v današnjem denarju","{n} years, {a}–{b}":"{n} let, {a}–{b}","Average gross / month, as paid":"Povprečni bruto / mesec, kot izplačano","without adjusting for prices":"brez prilagoditve cenam","The average of the gross monthly salaries you entered for past years (bonus not included). The Pension tab asks for past pay in today’s money, so the first figure raises each year by the price rise from that year to today. Years insured are set separately in the Pension tab.":"Povprečje bruto mesečnih plač, vnesenih za pretekla leta (brez bonusa). Zavihek Pokojnina zahteva pretekle plače v današnjem denarju, zato prvi znesek vsako leto zviša za rast cen od tistega leta do danes. Leta zavarovanja se nastavijo ločeno v zavihku Pokojnina.","Use {v} in the Pension tab":"Uporabi {v} v zavihku Pokojnina","Saved: the Pension tab now uses {v}.":"Shranjeno: zavihek Pokojnina zdaj uporablja {v}.","Past years use each year’s standard rules for an employee (outside Greece for a single person without children); allowances, regional taxes or special schemes you had in a given year are not included.":"Pretekla leta uporabljajo standardna pravila vsakega leta za zaposlenega (zunaj Grčije za samsko osebo brez otrok); olajšave, regionalni davki ali posebne sheme, ki so veljale za posamezno leto, niso vključeni.","The site has no tax rules before 2026 for {c}, so net pay for those years is the amount you enter from your payslips.":"Za državo {c} stran nima davčnih pravil pred 2026, zato je neto plača za ta leta znesek, ki ga vneseš s plačilnih list.","This notice explains what happens to data when you use PayAbacus. The person responsible (the controller) is named at the end.||No accounts and nothing sent: all calculations run in your browser. What you type is not sent to us or to anyone else, and we cannot see it.||No cookies, no advertising and no profiling: the site sets no cookies and has no ads or social-media plugins. To see which pages are used, visits are counted with Cloudflare Web Analytics, which works without cookies, does not follow you across websites and does not build profiles. If a page hits a technical error, your browser sends a short error report (the error message, the page and the browser type), never what you typed. The legal basis is our legitimate interest in a working, secure website (Article 6(1)(f) GDPR). 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To deliver the pages, Cloudflare automatically receives the technical data every browser sends (IP address, date and time, page requested, browser and device type) and may keep it for a short time in server logs for security, protection against attacks and troubleshooting. Error reports are deleted after 30 days at the latest. Data may be processed in the USA; Cloudflare is certified under the EU-U.S. Data Privacy Framework and also uses the EU Standard Contractual Clauses. We do not use this data to identify you.||Emails: if you write to us, including with “Report a mistake”, we receive your email address and what you write. The report window only prepares a message that you can read and change; nothing is sent until you send it yourself. We use your message only to reply and to correct the site (legitimate interest, Article 6(1)(f) GDPR) and delete it when it is no longer needed, at the latest after two years. Messages to our address are forwarded by Cloudflare Email Routing to a mailbox provided by Google (Gmail); both process the messages for us.||Your rights: you can ask for access to your personal data, its correction or erasure, restriction of processing and data portability, you can object to processing, and you can withdraw consent at any time. No automated decisions or profiling take place. The site is not directed at children under 15.||We will update this notice if our practices change. Last updated: 22 October 2026.":"To obvestilo pojasnjuje, kaj se zgodi s podatki, ko uporabljaš PayAbacus. Odgovorna oseba (upravljavec) je navedena na koncu.||Brez uporabniških računov in brez pošiljanja: vsi izračuni potekajo v tvojem brskalniku. Kar vpišeš, se ne pošlje nam ali komurkoli drugemu in tega ne moremo videti.||Brez piškotkov, oglasov in profiliranja: stran ne nastavlja piškotkov in nima oglasov ali vtičnikov družbenih omrežij. Da vidimo, katere strani se uporabljajo, se obiski štejejo s Cloudflare Web Analytics, ki deluje brez piškotkov, ti ne sledi po drugih spletnih straneh in ne gradi profilov. Če na strani pride do tehnične napake, tvoj brskalnik pošlje kratko poročilo o napaki (sporočilo o napaki, stran in vrsto brskalnika), nikoli pa tega, kar vpišeš. Pravna podlaga je naš zakoniti interes za delujočo in varno spletno stran (člen 6(1)(f) GDPR). Pisave in knjižnica za grafe se strežejo s te spletne strani same.||Shranjevanje na tvoji napravi, samo s tvojo privolitvijo: če izbereš „Zapomni si na tej napravi“, se tvoji zadnji vnosi, jezik, tema in odprti razdelki hranijo v lokalni shrambi tvojega brskalnika, da jih najdeš naslednjič. Ti podatki ostanejo na tvoji napravi in nam se nikoli ne pošljejo. Shrani se tudi sama tvoja izbira, da te ne sprašujemo znova. Pravna podlaga je tvoja privolitev (člen 6(1)(a) GDPR in člen 4(5) grškega zakona 3471/2006). Kadarkoli jo lahko prekličeš z gumbom spodaj; to izbriše shranjene podatke in ne vpliva na zakonitost obdelave pred preklicem.||Gostovanje: spletno stran gosti Cloudflare, Inc. (101 Townsend St., San Francisco, CA 94107, ZDA), ki podatke za nas obdeluje na podlagi pogodbe o obdelavi podatkov. Za dostavo strani Cloudflare samodejno prejme tehnične podatke, ki jih pošlje vsak brskalnik (naslov IP, datum in čas, zahtevana stran, vrsta brskalnika in naprave), in jih lahko kratek čas hrani v strežniških dnevnikih za varnost, zaščito pred napadi in odpravljanje težav. Poročila o napakah se izbrišejo najpozneje po 30 dneh. Podatki se lahko obdelujejo v ZDA; Cloudflare je certificiran po okviru EU-ZDA za zasebnost podatkov in uporablja tudi standardne pogodbene klavzule EU. Teh podatkov ne uporabljamo za tvojo identifikacijo.||E-pošta: če nam pišeš, tudi prek „Prijavi napako“, prejmemo tvoj e-poštni naslov in to, kar napišeš. Okno za prijavo le pripravi sporočilo, ki ga lahko prebereš in spremeniš; nič se ne pošlje, dokler ga ne pošlješ. Tvoje sporočilo uporabimo samo za odgovor in popravke strani (zakoniti interes, člen 6(1)(f) GDPR) in ga izbrišemo, ko ni več potrebno, najpozneje po dveh letih. Sporočila na naš naslov Cloudflare Email Routing posreduje v poštni predal, ki ga zagotavlja Google (Gmail); oba sporočila obdelujeta v našem imenu.||Tvoje pravice: zahtevaš lahko dostop do svojih osebnih podatkov, njihov popravek ali izbris, omejitev obdelave in prenosljivost podatkov, lahko ugovarjaš obdelavi in kadarkoli prekličeš privolitev. Avtomatiziranega odločanja ali profiliranja ni. Stran ni namenjena otrokom, mlajšim od 15 let.||To obvestilo bomo posodobili, če se naše prakse spremenijo. Zadnja posodobitev: 22. oktober 2026.","PayAbacus uses no cookies. Visits are counted anonymously, without cookies or profiles. With your permission it can remember your inputs, language and display choices in this browser so you find them next time. This data never leaves your device.":"PayAbacus ne uporablja piškotkov. Obiski se štejejo anonimno, brez piškotkov in profilov. S tvojim dovoljenjem si lahko v tem brskalniku zapomni tvoje vnose, jezik in nastavitve prikaza, da jih najdeš naslednjič. Ti podatki nikoli ne zapustijo tvoje naprave.","Unused leave ({0} days)":"Neizrabljen dopust ({0} dni)","Annual leave · {0}":"Letni dopust · {0}","working days · legal minimum {0}":"delovnih dni · zakonski minimum {0}","Claim at {0} · {1} years · {2}":"Uveljavitev pri {0} · {1} let · {2}","{0} weeks":"{0} tednov","Bonus":"Bonus","age {0}":"starost {0}","{0} years of service":"{0} let delovne dobe","{0} days":"{0} dni","after {0} tax & charges":"po {0} davkov in dajatev","{0} → {1} (max {2} weeks)":"{0} → {1} (največ {2} tednov)","{0} / week at first, {1} weeks":"{0} / teden na začetku, {1} tednov","{0} less than without it ({1}) · tax & contributions saved cover {2}":"{0} manj kot brez njega ({1}) · prihranjeni davek in prispevki pokrijejo {2}","Contributions of {0} exceed the limit by {1}; the excess gets no relief.":"Prispevki v višini {0} presegajo omejitev za {1}; presežek nima olajšave.","Country and language":"Država in jezik","Country and language: ":"Država in jezik: ","Search country":"Poišči državo","Selected":"Izbrano","Europe":"Evropa","Americas":"Amerike","Asia-Pacific":"Azija in Pacifik","No country found":"Ni najdene države","checked {m}":"preverjeno {m}","Details and disclaimer":"Podrobnosti in izjava o omejitvi odgovornosti","Estimates only, not tax, legal or financial advice":"Zgolj ocene, ne davčni, pravni ali finančni nasvet","Cities & rent":"Mesta in najemnine","Home":"Stanovanje","Location":"Lokacija","1 bedroom":"1 spalnica","3 bedrooms (family)":"3 spalnice (družina)","City centre":"Središče mesta","Outside centre":"Zunaj središča","City":"Mesto","Rent":"Najemnina","Utilities":"Komunalne storitve","Price level (NY=100)":"Raven cen (NY=100)","Home compared":"Primerjano stanovanje","3 bedrooms":"3 spalnice","city centre":"središče mesta","outside centre":"zunaj središča","rent + utilities":"najemnina + komunalne storitve","rent only":"samo najemnina","Cities side by side (per month)":"Mesta drugo ob drugem (na mesec)"," / month in {r} prices":" / mesec po cenah ({r})","Money left each month after housing, in {r} prices":"Denar, ki ostane vsak mesec po stanovanju, po cenah ({r})","Left in {r} prices":"Ostane po cenah ({r})","Same, in {r} prices":"Enako, po cenah ({r})","Athens":"Atene","Munich":"München","Milan":"Milano","Rome":"Rim","IRPF, €30,000, general scale, single":"IRPF, 30.000 €, splošna lestvica, samska oseba","yours":"tvoje","Your rent / month (€)":"Tvoja najemnina / mesec (€)","Your rent / month (£)":"Tvoja najemnina / mesec (£)","Type your own rent in any city to replace the typical figure (shown greyed in the box); leave it empty to use the typical rent.":"V katerem koli mestu vpiši svojo najemnino, da zamenjaš običajni znesek (prikazan sivo v polju); pusti prazno, da se uporabi običajna najemnina.","Gross / month in the recent year (€)":"Bruto / mesec v nedavnem letu (€)","Gross / month in the recent year (£)":"Bruto / mesec v nedavnem letu (£)","Gross / month in the earlier year (€)":"Bruto / mesec v prejšnjem letu (€)","Gross / month in the earlier year (£)":"Bruto / mesec v prejšnjem letu (£)","Gross / month now (€)":"Bruto / mesec zdaj (€)","Gross / month now (£)":"Bruto / mesec zdaj (£)","Average gross / month so far (€)":"Povprečni bruto / mesec doslej (€)","Average gross / month so far (£)":"Povprečni bruto / mesec doslej (£)","Savings and deposits now (€)":"Prihranki in depoziti zdaj (€)","Savings and deposits now (£)":"Prihranki in depoziti zdaj (£)","Housing (rent or mortgage) (€)":"Stanovanje (najemnina ali kredit) (€)","Housing (rent or mortgage) (£)":"Stanovanje (najemnina ali kredit) (£)","Food and groceries (€)":"Hrana in živila (€)","Food and groceries (£)":"Hrana in živila (£)","Transport and car (€)":"Prevoz in avto (€)","Transport and car (£)":"Prevoz in avto (£)","Bills (power, water, phone, internet) (€)":"Računi (elektrika, voda, telefon, internet) (€)","Bills (power, water, phone, internet) (£)":"Računi (elektrika, voda, telefon, internet) (£)","Children and school (€)":"Otroci in šola (€)","Children and school (£)":"Otroci in šola (£)","Leisure and eating out (€)":"Prosti čas in prehrana zunaj (€)","Leisure and eating out (£)":"Prosti čas in prehrana zunaj (£)","Loan repayments (not the home) (€)":"Odplačila posojil (brez stanovanja) (€)","Loan repayments (not the home) (£)":"Odplačila posojil (brez stanovanja) (£)","Other (€)":"Drugo (€)","Other (£)":"Drugo (£)","Vacations (per year) (€)":"Počitnice (na leto) (€)","Vacations (per year) (£)":"Počitnice (na leto) (£)","Net / month now (payslip) (€)":"Neto / mesec zdaj (plačilna lista) (€)","Net / month now (payslip) (£)":"Neto / mesec zdaj (plačilna lista) (£)","City (for typical costs)":"Mesto (za običajne stroške)","Typical rent in your area (optional) (€)":"Običajna najemnina na tvojem območju (neobvezno) (€)","Typical rent in your area (optional) (£)":"Običajna najemnina na tvojem območju (neobvezno) (£)","by (per month, today’s money) (€)":"za (na mesec, v današnjem denarju) (€)","by (per month, today’s money) (£)":"za (na mesec, v današnjem denarju) (£)","vs {y}":"proti {y}","Same salary, five countries":"Ista plača, pet držav","National Insurance 8% / 2%":"National Insurance 8 % / 2 %","EUR → GBP rate":"Tečaj EUR → GBP","IRPEF 2026":"IRPEF 2026","INPS Gestione Separata 26.07%":"INPS Gestione Separata 26,07 %","Class 4 National Insurance":"National Insurance razreda 4","100%":"100 %","Tax-free zone of €11,000–12,000 for employees, raised for each child (bigger step at the third child). Rates fall each year: 29% → 27% → 25% middle band, 40% top.":"Neobdavčeni del 11.000–12.000 € za zaposlene, zvišan za vsakega otroka (večji korak pri tretjem otroku). Stopnje vsako leto padajo: srednji razred 29 % → 27 % → 25 %, najvišji 40 %.","Nine-band scale from 18% to 45% above the €12,000 tax-free zone (+€1,500 per child, +€11,500 for three).":"Lestvica z devetimi razredi od 18 % do 45 % nad neobdavčenim delom 12.000 € (+1.500 € na otroka, +11.500 € za tri).","Tax-free zone cut to €5,000 (+€2,000 per child), then 10%–45%. Solidarity levy of 1–4% applied on the whole income.":"Neobdavčeni del znižan na 5.000 € (+2.000 € na otroka), nato 10–45 %. Solidarnostna dajatev 1–4 % na celoten dohodek.","Three bands: 22% / 32% / 42%. Tax credit €2,100, reduced by €100 per €1,000 above €21,000. Children do not change the tax. 2015 levy becomes progressive (0.7%–8%).":"Trije razredi: 22 % / 32 % / 42 %. Davčna olajšava 2.100 €, znižana za 100 € na vsakih 1.000 € nad 21.000 €. Otroci davka ne spremenijo. Dajatev v 2015 postane progresivna (0,7–8 %).","Four bands: 22% / 29% / 37% / 45%. Tax credit €1,900–2,100 depending on children, minus 1% of income above €20,000. Solidarity levy 2.2%–10%.":"Štirje razredi: 22 % / 29 % / 37 % / 45 %. Davčna olajšava 1.900–2.100 € glede na otroke, minus 1 % dohodka nad 20.000 €. Solidarnostna dajatev 2,2–10 %.","Five bands: 9% / 22% / 28% / 36% / 44%. Tax credit €777 (no child) up to €1,340 (four), minus €20 per €1,000 above €12,000. Solidarity levy suspended for private-sector employees from 2021, abolished for all from 2023. 30% e-spending rule.":"Pet razredov: 9 % / 22 % / 28 % / 36 % / 44 %. Davčna olajšava 777 € (brez otroka) do 1.340 € (štirje), minus 20 € na vsakih 1.000 € nad 12.000 €. Solidarnostna dajatev za zaposlene v zasebnem sektorju od 2021 začasno odpravljena, za vse odpravljena od 2023. Pravilo 30 % e-porabe.","New scale 9% / 20% / 26% / 34% / 39% / 44%. Families pay less in the €10–30k bands (10–20k: 18% / 16% / 9% / 0% for 1 / 2 / 3 / 4+ children). Under 25s pay 0% up to €20,000; ages 26–30 pay 9% on €10–20k.":"Nova lestvica 9 % / 20 % / 26 % / 34 % / 39 % / 44 %. Družine plačajo manj v razredih 10–30 tisoč € (10–20 tisoč: 18 % / 16 % / 9 % / 0 % za 1 / 2 / 3 / 4+ otroke). Mlajši od 25 let plačajo 0 % do 20.000 €; stari 26–30 let plačajo 9 % na 10–20 tisoč €.","You need at least 15 years (4,500 days) of insurance for any old-age pension.":"Za kakršnokoli starostno pokojnino potrebuješ najmanj 15 let (4.500 dni) zavarovanja.","Full pension at 67 with 15+ years, or at 62 with 40 years (12,000 days).":"Polna pokojnina pri 67 s 15+ leti ali pri 62 s 40 leti (12.000 dni).","With 15+ years you can retire from 62, with a lifelong cut of 1/200 per month before 67 (6% a year, up to 30%).":"S 15+ leti se lahko upokojiš od 62, s trajnim znižanjem 1/200 na mesec pred 67 (6 % na leto, do 30 %).","A flat amount (about €447 / month in 2026) with 20+ years; 2% less for each year below 20 (90% at 15 years). Needs 15+ years living in Greece after 15; full at 40.":"Pavšalni znesek (približno 447 € / mesec v 2026) z 20+ leti; 2 % manj za vsako leto pod 20 (90 % pri 15 letih). Potrebnih je 15+ let bivanja v Grčiji po 15. letu; polna pri 40.","Career-average monthly earnings × accrual rate. Each year adds 0.77% (first 15), then 0.84, 0.90, 0.96, 1.03, 1.21%, and 2.55–2.85% after 30 years (Law 4670/2020). 40 years ≈ 53%.":"Povprečni mesečni zaslužek kariere × odmerni odstotek. Vsako leto doda 0,77 % (prvih 15), nato 0,84, 0,90, 0,96, 1,03, 1,21 % in 2,55–2,85 % po 30 letih (zakon 4670/2020). 40 let ≈ 53 %.","ΕΤΕΑΕΠ: 0.45% per year for time up to 2014; from 2015 a notional account of 6% of pay turned into a lifelong pension. People first insured from 2022 go to the funded ΤΕΚΑ.":"ΕΤΕΑΕΠ: 0,45 % na leto za čas do 2014; od 2015 namišljeni račun v višini 6 % plače, pretvorjen v doživljenjsko pokojnino. Prvič zavarovani od 2022 gredo v kapitalski ΤΕΚΑ.","With 15 years, most of them in ΒΑΕ jobs: full pension at 62, reduced from 57.":"S 15 leti, večinoma na delovnih mestih ΒΑΕ: polna pokojnina pri 62, znižana od 57.","Pensioners pay 6% health contribution and income tax on the same scale as wages. Pensions are paid 12 times a year and rise each year roughly with inflation.":"Upokojenci plačajo 6 % zdravstvenega prispevka in dohodnino po isti lestvici kot plače. Pokojnine se izplačujejo 12-krat na leto in se vsako leto zvišajo približno z inflacijo.","For monthly-paid staff: monthly salary × 6 ÷ 25 ÷ 40 (about 0.6% of the monthly salary).":"Za zaposlene z mesečno plačo: mesečna plača × 6 ÷ 25 ÷ 40 (približno 0,6 % mesečne plače).","Hours 41–45 a week on a 5-day week (41–48 on a 6-day week) are paid +20%.":"Ure 41–45 na teden pri 5-dnevnem tednu (41–48 pri 6-dnevnem) se plačajo +20 %.","Beyond that, overtime is paid +40%, up to 3 hours a day and 150 hours a year. It must be declared in ΕΡΓΑΝΗ beforehand; undeclared overtime is paid +120%.":"Nad tem se nadure plačajo +40 %, do 3 ure na dan in 150 ur na leto. Vnaprej jih je treba prijaviti v ΕΡΓΑΝΗ; neprijavljene nadure se plačajo +120 %.","Work 22:00–06:00 earns +25%; Sundays and public holidays +75%. Premiums add up and apply on top of overtime.":"Delo 22:00–06:00 prinese +25 %; nedelje in prazniki +75 %. Dodatki se seštevajo in veljajo poleg nadur.","After the first 12 months (probation, Law 4808/2021): 2 months’ pay up to 4 years, then +1 month per 2 years to 5 months at 8–10 years, then +1 month a year up to 12 months at 16 years.":"Po prvih 12 mesecih (poskusna doba, zakon 4808/2021): 2 mesečni plači do 4 let, nato +1 mesec na 2 leti do 5 mesecev pri 8–10 letih, nato +1 mesec na leto do 12 mesecev pri 16 letih.","Last regular monthly salary plus 1/6 for the Christmas and Easter bonuses and holiday allowance.":"Zadnja redna mesečna plača in 1/6 za božičnico, velikonočni dodatek in dodatek za dopust.","The employer may give 1–4 months’ written notice (by service) and then pays half the severance. You keep working and are paid during the notice.":"Delodajalec lahko da 1–4-mesečno pisno odpoved (glede na delovno dobo) in nato plača polovico odpravnine. Med odpovednim rokom delaš naprej in prejemaš plačo.","If you had 17+ years with the same employer on 12/11/2012: +1 month per year above 16, up to 12 extra, on salary capped at €2,000.":"Z 17+ leti pri istem delodajalcu na dan 12. 11. 2012: +1 mesec za vsako leto nad 16, do 12 dodatnih, na plačo, omejeno na 2.000 €.","Resigning gives no severance. Leaving with a full-pension right gives 40% of severance (50% without supplementary insurance). Pro-rata bonuses and unused leave are always paid.":"Lastna odpoved ne prinese odpravnine. Odhod s pravico do polne pokojnine prinese 40 % odpravnine (50 % brez dodatnega zavarovanja). Sorazmerni bonusi in neizrabljen dopust se vedno izplačajo.","Severance has no EFKA and is taxed separately: 0% up to €60,000, 10% to €100,000, 20% to €150,000, 30% above. Bonuses and leave pay are taxed as salary.":"Za odpravnino se ne plača EFKA, obdavčena pa je ločeno: 0 % do 60.000 €, 10 % do 100.000 €, 20 % do 150.000 €, 30 % nad tem. Bonusi in nadomestilo za dopust so obdavčeni kot plača.","A dismissal must be challenged in court within 60 days (Law 4808/2021); claims for unpaid severance within 6 months. Act early.":"Odpoved je treba na sodišču izpodbijati v 60 dneh (zakon 4808/2021); zahtevke za neplačano odpravnino v 6 mesecih. Ukrepaj zgodaj.","After a dismissal: 5 to 12 months depending on insured days in the 14 months before (125 days → 5 months … 250 days → 12), +10% per dependant. Register with ΔΥΠΑ promptly.":"Po odpovedi: 5 do 12 mesecev glede na zavarovane dni v 14 mesecih pred tem (125 dni → 5 mesecev … 250 dni → 12), +10 % na vzdrževano osebo. Takoj se prijavi pri ΔΥΠΑ.","Income tax class {0} incl. {1} employment fund":"Dohodnina razreda {0} z {1} za sklad za zaposlovanje","Tax credits (employee + CO{0})":"Davčne olajšave (zaposleni + CO{0})","Tax credits (employee + CO{0} + single parent)":"Davčne olajšave (zaposleni + CO{0} + enostarševska družina)","Severance ({0} months, tax-free)":"Odpravnina ({0} mesecev, neobdavčena)","Thessaloniki":"Solun","Berlin":"Berlin","Hamburg":"Hamburg","Frankfurt":"Frankfurt","Turin":"Torino","London":"London","Manchester":"Manchester","Severance ({0} days)":"Odpravnina ({0} dni)","Income tax incl. {0} municipal surcharge":"Dohodnina z {0} občinskega dodatka","Notice indemnity ({0} weeks of pay, if not worked)":"Odškodnina za odpovedni rok ({0} tednov plače, če ni odslužen)","Taxable income after {0} allowance ({1} tax shares)":"Obdavčljivi dohodek po olajšavi {0} ({1} davčnih deležev)","Legal severance (indemnité légale, tax-free)":"Zakonska odpravnina (indemnité légale, neobdavčena)","{0} (single rate) of your pay (capped at {1} a year) × {2}/{3} years. Legal age {4}; from {5}–{6} only with {7}–{8} career years. Net after the {9} health contribution and tax with the pension reduction (estimate).":"{0} (enotna stopnja) tvoje plače (omejeno na {1} na leto) × {2}/{3} let. Zakonska starost {4}; od {5}–{6} samo s {7}–{8} leti kariere. Neto po zdravstvenem prispevku {9} in davku z znižanjem za pokojnine (ocena).","Tax credits (personal + employee)":"Davčne olajšave (osebna + za zaposlene)","Universal Social Charge (USC)":"Universal Social Charge (USC)","State Pension (Contributory) {0} a week ({1}/{2} years of contributions). No early state pension; you can defer it up to {3} for a higher rate. Workplace and auto-enrolment pensions come on top.":"State Pension (Contributory) {0} na teden ({1}/{2} let prispevkov). Predčasne državne pokojnine ni; odložiš jo lahko do {3} za višjo stopnjo. Poklicne pokojnine in pokojnine s samodejno vključitvijo se dodajo.","Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to {2} at your age). USC and PRSI still apply.":"Tvoji pokojninski prispevki letos dobijo olajšavo pri dohodnini do {0} ({1} zaslužka do {2} pri tvoji starosti). USC in PRSI se še vedno plačata.","Barcelona":"Barcelona","Income tax (single rates)":"Dohodnina (stopnje za samske osebe)","Two-thirds pension: ⅔ of your average pay over the best {0} years (capped at {1}) × {2}/{3} years of contributions. Age {4} (born from {5}); from {6} if you have the full {7} years and stop working. Cost-of-living increases are added every year.":"Dvotretjinska pokojnina: ⅔ tvoje povprečne plače v najboljših {0} letih (omejeno na {1}) × {2}/{3} let prispevkov. Starost {4} (rojeni od {5}); od {6}, če imaš polnih {7} let in ne delaš več. Vsako leto se doda uskladitev z življenjskimi stroški.","Personal retirement schemes give a {0} tax credit on up to {1} a year (max {2}), here {3}, shown as an extra contribution.":"Osebne pokojninske sheme dajo {0} davčne olajšave na do {1} na leto (največ {2}), tu {3}, prikazano kot dodaten prispevek.","Compensation ({0} days of base pay per year, tax-free)":"Odškodnina ({0} dni osnovne plače na leto, neobdavčena)","Burial fee and public service fee":"Pogrebna pristojbina in pristojbina za javne medije","{0} months":"{0} mesecev","{0} month(s)":"{0} mes.","Severance pay (odprawa, {0} months)":"Odpravnina (odprawa, {0} mesecev)","ZUS pension: the {0} recorded on your account and sub-account ({1} of pay, in today’s money) divided by {2} months of average further life at {3} (GUS table from {4} April {5}). Pension age {6}; the minimum needs {7} years. Health insurance of {8} and income tax are deducted. A {9}th pension (PLN {10}) is paid each April. Capital from before {11} and OFE are not modelled.":"Pokojnina ZUS: {0}, zabeleženih na tvojem računu in podračunu ({1} plače, v današnjem denarju), deljeno z {2} meseci povprečne nadaljnje življenjske dobe pri {3} (tabela GUS od {4}. aprila {5}). Upokojitvena starost {6}; za minimum je potrebnih {7} let. Odštejeta se zdravstveno zavarovanje {8} in dohodnina. {9}. pokojnina (PLN {10}) se izplača vsak april. Kapital pred {11} in OFE nista upoštevana.","PPK: you pay {0} (up to {1}) and your employer {2} (up to {3}); the employer part counts as taxable income. The state adds PLN {4} a year ({5}) and a PLN {6} welcome payment.":"PPK: plačaš {0} (do {1}), delodajalec pa {2} (do {3}); delodajalčev del šteje kot obdavčljiv dohodek. Država doda PLN {4} na leto ({5}) in pozdravno plačilo PLN {6}.","{0} a month for {1} months, then {2} for {3} months (taxable)":"{0} na mesec za {1} mesecev, nato {2} za {3} mesecev (obdavčljivo)","{0} months: {1}, then {2} and {3} of your net pay (up to about CZK {4} a month); starts after the months covered by severance":"{0} mesecev: {1}, nato {2} in {3} tvoje neto plače (do približno CZK {4} na mesec); začne se po mesecih, ki jih pokriva odpravnina","Severance pay ({0} months)":"Odpravnina ({0} mesecev)","Severance pay ({0} month)":"Odpravnina ({0} mesec)","Basic amount CZK {0} + {1} for each of your {2} years of a calculation base of {3} (your average earnings {4} a month, reduced at CZK {5} and {6}). Pension age {7} for your birth year, with {8} years of insurance; up to {9} years early with {10} years ({11} of the base per {12} days). Minimum CZK {13}; old-age pensions are in practice tax-free.":"Osnovni znesek CZK {0} + {1} za vsako od tvojih {2} let izračunske osnove {3} (tvoj povprečni zaslužek {4} na mesec, zmanjšan pri CZK {5} in {6}). Upokojitvena starost {7} za tvoje leto rojstva, z {8} leti zavarovanja; do {9} let prej z {10} leti ({11} osnove na {12} dni). Najmanj CZK {13}; starostne pokojnine so v praksi neobdavčene.","State contribution {0} a year ({1} of your monthly contribution from CZK {2} up to {3}); the part above CZK {4} a month is tax-deductible up to CZK {5} ({6}). Employer contributions are tax-free up to CZK {7}.":"Državni prispevek {0} na leto ({1} tvojega mesečnega prispevka od CZK {2} do {3}); del nad CZK {4} na mesec je davčno odbiten do CZK {5} ({6}). Prispevki delodajalca so neobdavčeni do CZK {7}.","90 days + {0} + {1} days":"90 dni + {0} + {1} dni","Odprawa ({0} months)":"Odprawa ({0} mesecev)","PPK: you pay 2% (up to 4%) and your employer 1.5% (up to 4%); the employer part counts as taxable income. The state adds PLN 240 a year ({0}) and a PLN 250 welcome payment.":"PPK: plačaš 2 % (do 4 %), delodajalec pa 1,5 % (do 4 %); delodajalčev del šteje kot obdavčljiv dohodek. Država doda 240 PLN na leto ({0}) in pozdravno plačilo 250 PLN.","{0} a month for 3 months, then {1} for 3 months (taxable){2}":"{0} na mesec 3 mesece, nato {1} 3 mesece (obdavčljivo){2}","resign":"resign","; after resigning it starts only after 90 days":"; po lastni odpovedi se začne šele po 90 dneh","Severance pay (odprawa, {0} month)":"Odpravnina (odprawa, {0} mes.)","{0} month":"{0} mes.","ZUS pension: the {0} recorded on your account and sub-account (19.52% of pay, in today’s money) divided by {1} months of average further life at {2} (GUS table from 1 April 2026).{3} Pension age {4}; the minimum needs {5} years. Health insurance of 9% and income tax are deducted. A 13th pension (PLN 1,978.49) is paid each April. Capital from before 1999 and OFE are not modelled.":"Pokojnina ZUS: {0}, zabeleženih na tvojem računu in podračunu (19,52 % plače, v današnjem denarju), deljeno z {1} meseci povprečne nadaljnje življenjske dobe pri {2} (tabela GUS od 1. aprila 2026).{3} Upokojitvena starost {4}; za minimum je potrebnih {5} let. Odštejeta se 9 % zdravstvenega zavarovanja in dohodnina. 13. pokojnina (1.978,49 PLN) se izplača vsak april. Kapital pred 1999 in OFE nista upoštevana."," Raised to the guaranteed minimum of PLN 1,978.49.":" Zvišano na zajamčeni minimum 1.978,49 PLN.","Notice + severance ({0} months)":"Odpovedni rok + odpravnina ({0} mesecev)","Voluntary pension fund: 20% of your contributions comes back as a tax credit paid into your account, up to HUF 150,000 a year ({0}).":"Prostovoljni pokojninski sklad: 20 % tvojih prispevkov se vrne kot davčna olajšava, nakazana na tvoj račun, do 150.000 HUF na leto ({0}).","{0} a month (60% of pay, up to the minimum wage) for {1} days (taxable)":"{0} na mesec (60 % plače, do minimalne plače) za {1} dni (obdavčljivo)","Notice pay in lieu ({0} days, at least half free from work)":"Nadomestilo namesto odpovednega roka ({0} dni, vsaj polovica prosta dela)","Old-age pension: {0} (for {1} years of service) of your net average earnings {2} a month, after the degression above HUF 372,000. From age 65 with 20 years (a partial pension with 15); women with 40 years of eligible time can retire at any age. A 13th monthly pension is paid each February; pensions are not taxed.":"Starostna pokojnina: {0} (za {1} let delovne dobe) tvojega neto povprečnega zaslužka {2} na mesec, po degresiji nad 372.000 HUF. Od 65. leta z 20 leti (delna pokojnina s 15); ženske s 40 leti upoštevne dobe se lahko upokojijo pri kateri koli starosti. 13. pokojnina se izplača vsak februar; pokojnine niso obdavčene.","Severance ({0} months)":"Odpravnina ({0} mesecev)","State contribution {0} a year (20% of your monthly contribution from CZK 500 up to 1,700); the part above CZK 1,700 a month is tax-deductible up to CZK 48,000 ({1}). Employer contributions are tax-free up to CZK 50,000.":"Državni prispevek {0} na leto (20 % tvojega mesečnega prispevka od 500 do 1.700 CZK); del nad 1.700 CZK na mesec je davčno odbiten do 48.000 CZK ({1}). Prispevki delodajalca so neobdavčeni do 50.000 CZK.","{0} months: 80%, then 50% and 40% of your net pay (up to about CZK 38,537 a month); starts after the months covered by severance":"{0} mesecev: 80 %, nato 50 % in 40 % tvoje neto plače (do približno 38.537 CZK na mesec); začne se po mesecih, ki jih pokriva odpravnina","Basic amount CZK 4,900 + {0} for each of your {1} years of a calculation base of {2} (your average earnings {3} a month, reduced at CZK 21,546 and 195,868). Pension age {4} for your birth year, with 35 years of insurance; up to 3 years early with 40 years (−1.5% of the base per 90 days). Minimum CZK 9,800; old-age pensions are in practice tax-free.":"Osnovni znesek 4.900 CZK + {0} za vsako od tvojih {1} let izračunske osnove {2} (tvoj povprečni zaslužek {3} na mesec, zmanjšan pri 21.546 in 195.868 CZK). Upokojitvena starost {4} za tvoje leto rojstva, s 35 leti zavarovanja; do 3 leta prej s 40 leti (−1,5 % osnove na 90 dni). Najmanj 9.800 CZK; starostne pokojnine so v praksi neobdavčene.","Third-pillar contributions are deductible up to 15% of your income and €6,000 a year ({0}).":"Prispevki v tretji steber so odbitni do 15 % tvojega dohodka in 6.000 € na leto ({0}).","60% of your pay for 100 days, then 40%, for {0} days in total (taxable)":"60 % tvoje plače 100 dni, nato 40 %, skupaj {0} dni (obdavčljivo)","Unemployment Insurance Fund redundancy benefit ({0} months)":"Nadomestilo ob presežnosti iz Sklada za zavarovanje za brezposelnost ({0} mesecev)","Unemployment Insurance Fund redundancy benefit ({0} month)":"Nadomestilo ob presežnosti iz Sklada za zavarovanje za brezposelnost ({0} mes.)","Notice paid in lieu ({0} days)":"Nadomestilo namesto odpovednega roka ({0} dni)","State old-age pension: base part €399.24 + €10.477 for each insurance component ({0} in total; one component is a year of average pay). From age 65 with 15 years of service; up to 5 years earlier with 0.4% less per month, or 0.9% more per month for each month you defer. Income tax of 22% applies above €776 a month. The funded second pillar is paid separately.":"Državna starostna pokojnina: osnovni del 399,24 € + 10,477 € za vsako zavarovalno komponento (skupaj {0}; ena komponenta je leto povprečne plače). Od 65. leta s 15 leti delovne dobe; do 5 let prej z 0,4 % manj na mesec ali 0,9 % več za vsak mesec odloga. Nad 776 € na mesec velja 22 % dohodnine. Kapitalski drugi steber se izplačuje ločeno.","Funded pension (II pillar) {0}%":"Kapitalska pokojnina (II. steber) {0} %","Contributions to a voluntary pension fund are deductible up to 10% of your taxable income ({0} a year).":"Prispevki v prostovoljni pokojninski sklad so odbitni do 10 % tvojega obdavčljivega dohodka ({0} na leto).","about {0} a working day for {1} months (60% of your insurable income, within the 2026 limits)":"približno {0} na delovni dan za {1} mesecev (60 % tvojega zavarovanega dohodka, v mejah 2026)","Retirement compensation ({0} months’ pay)":"Nadomestilo ob upokojitvi ({0} mesečnih plač)","State pension: {0} a month of average insurable income × {1} years × 1.35%{2}. You need age {3} and {4} years of service in {5} (or age 67 with 15 years); up to one year earlier with a 0.4% cut per month. Between €347.51 and €1,738.40 a month; pensions are not taxed.":"Državna pokojnina: {0} na mesec povprečnega zavarovanega dohodka × {1} let × 1,35 %{2}. Potrebuješ starost {3} in {4} let delovne dobe v letu {5} (ali starost 67 s 15 leti); do enega leta prej z znižanjem 0,4 % na mesec. Med 347,51 € in 1.738,40 € na mesec; pokojnine niso obdavčene.",", reduced by about a quarter for the years in a universal pension fund (UPF), which pays its own pension on top":", znižano za približno četrtino za leta v univerzalnem pokojninskem skladu (UPF), ki izplačuje lastno pokojnino dodatno","Salary sacrifice is taken before income tax and the Medicare levy and taxed at 15% in the fund instead. All concessional contributions (yours plus the employer’s {0}) count towards the $32,500 cap for 2026–27; unused cap from the last 5 years can be carried forward if your balance is under $500,000.{1}":"Salary sacrifice se odšteje pred dohodnino in dajatvijo Medicare ter je namesto tega obdavčen s 15 % v skladu. Vsi davčno ugodni prispevki (tvoji in delodajalčevi {0}) štejejo v mejo 32.500 $ za 2026–27; neizrabljeno mejo zadnjih 5 let je mogoče prenesti, če je tvoje stanje pod 500.000 $.{1}"," Above $250,000 of income, Division 293 adds another 15% on contributions.":" Nad 250.000 $ dohodka Division 293 na prispevke doda še 15 %.","{0} wk":"{0} ted.","{0} a fortnight JobSeeker Payment, shown for 6 months (means-tested; redundancy pay and savings can delay the start)":"{0} na dva tedna JobSeeker Payment, prikazano za 6 mesecev (odvisno od premoženjskega stanja; odpravnina in prihranki lahko zamaknejo začetek)","{0} week":"{0} ted.","Pay in lieu of notice ({0} weeks)":"Nadomestilo namesto odpovednega roka ({0} tednov)","NES redundancy pay ({0} weeks)":"Odpravnina NES ({0} tednov)","Age Pension from age 67 after at least 10 years living in Australia (the years above count as residence): up to {0} a fortnight for a single person ({1} each for a couple). It is means-tested: your savings and super of {2} are deemed to earn {3} a year, giving {4} under the income test, and the assets test ({5}) gives {6}; the lower amount is paid. The pension is funded from general tax, so there are no contributions, and with no other income the seniors tax offset means no tax is due. Your super is in the Super tab.":"Age Pension od 67. leta po najmanj 10 letih bivanja v Avstraliji (zgornja leta štejejo kot bivanje): do {0} na dva tedna za samsko osebo ({1} vsak za par). Odvisna je od premoženjskega stanja: za tvoje prihranke in super v višini {2} se šteje, da prinašajo {3} na leto, kar po preizkusu dohodka da {4}, preizkus premoženja ({5}) pa da {6}; izplača se nižji znesek. Pokojnina se financira iz splošnih davkov, zato prispevkov ni, brez drugih dohodkov pa zaradi davčne olajšave za starejše ni davka. Tvoj super je v zavihku Super.","homeowner":"lastnik doma","non-homeowner":"brez lastnega doma","part pension, means-tested ({0} of the maximum)":"delna pokojnina, odvisna od premoženjskega stanja ({0} maksimuma)","Medicare levy surcharge {0} (no private hospital cover)":"Dodatek k dajatvi Medicare {0} (brez zasebnega bolnišničnega zavarovanja)","PGBL contributions are deductible up to 12% of your taxable income ({0} a year) if you file the complete annual return and contribute to INSS. VGBL plans give no deduction but tax only the returns.":"Prispevki PGBL so odbitni do 12 % tvojega obdavčljivega dohodka ({0} na leto), če oddaš popolno letno napoved in vplačuješ INSS. Načrti VGBL ne dajo odbitka, obdavčijo pa le donose.","{0} payments":"{0} izplačil","Pro-rata holidays + one third ({0}/12, tax-free)":"Sorazmerni dopust + tretjina ({0}/12, neobdavčeno)","13th salary pro rata ({0}/12)":"Sorazmerna 13. plača ({0}/12)","{0} a month for {1} months (first claim)":"{0} na mesec za {1} mesecev (prvi zahtevek)","FGTS balance released ({0}, your own account)":"Sproščeno stanje FGTS ({0}, tvoj lasten račun)","acordo":"acordo","all":"vse","FGTS fine {0} of the balance (tax-free)":"Kazen FGTS {0} stanja (neobdavčeno)","Notice paid in lieu ({0} days{1})":"Nadomestilo namesto odpovednega roka ({0} dni{1})",", half by agreement":", polovica po dogovoru","INSS retirement by age: {0} of your average salary ({1} a month since July 1994), within the minimum wage (R$1,621) and the ceiling (R$8,475.55). You need age {2} and {3} years of contributions; earlier transition rules for people insured before November 2019 are not modelled. Paid 13 times a year.":"Starostna upokojitev INSS: {0} tvoje povprečne plače ({1} na mesec od julija 1994), med minimalno plačo (1.621 R$) in mejo (8.475,55 R$). Potrebuješ starost {2} in {3} let prispevkov; prejšnja prehodna pravila za zavarovane pred novembrom 2019 niso upoštevana. Izplačuje se 13-krat na leto.","Your limit in 2026 is {0}{1}; employer match {2}. {3} Withdrawals before 59½ usually pay a 10% penalty.":"Tvoja omejitev v 2026 je {0}{1}; ujemanje delodajalca {2}. {3} Dvigi pred 59½ običajno plačajo 10 % kazni."," including the catch-up for your age":" vključno z dodatkom za tvojo starost (catch-up)","Roth: you pay tax now and withdrawals after 59½ (account open 5 years) are tax-free; the employer match is usually pre-tax.":"Roth: davek plačaš zdaj, dvigi po 59½ (račun odprt 5 let) pa so neobdavčeni; ujemanje delodajalca je običajno pred davkom.","Traditional: contributions lower federal and state income tax (not Social Security or Medicare); withdrawals are taxed as income.":"Tradicionalni: prispevki znižajo zvezno in državno dohodnino (ne Social Security ali Medicare); dvigi so obdavčeni kot dohodek.","{0} / week for up to {1} weeks in {2} (taxable)":"{0} / teden do {1} tednov v {2} (obdavčljivo)","Severance (company policy, {0} weeks per year)":"Odpravnina (politika podjetja, {0} tednov na leto)","Social Security: primary amount {0} a month at 67 (average indexed earnings {1} a month over your best 35 years), {2}. {3}You need 40 credits (about 10 years of work). Amounts in today’s money.":"Social Security: primarni znesek {0} na mesec pri 67 (povprečni indeksirani zaslužek {1} na mesec v najboljših 35 letih), {2}. {3}Potrebuješ 40 kreditov (približno 10 let dela). Zneski v današnjem denarju.","reduced to {0} for claiming at {1}":"znižano na {0} ob uveljavitvi pri {1}","raised to {0} for waiting until {1}":"zvišano na {0} ob čakanju do {1}","paid in full at your full retirement age":"izplačano v celoti pri tvoji polni upokojitveni starosti","The Medicare Part B premium ($202.90 a month in 2026) is deducted. ":"Odšteje se premija Medicare Part B (202,90 $ na mesec v 2026). ","State income tax ({0})":"Državna dohodnina ({0})","{0} / month at first, {1} days (fund members)":"{0} / mesec na začetku, {1} dni (člani sklada)","Earnings-related pension {0} a month: 1.5% of each year’s pay (after your pension contribution), times the life-expectancy coefficient (about {1}), +0.4% for each month you claim after your lowest age ({2}).{3} Net is an estimate (pension income deduction not modelled).":"Pokojnina, vezana na zaslužek, {0} na mesec: 1,5 % plače vsakega leta (po tvojem pokojninskem prispevku), krat koeficient življenjske dobe (približno {1}), +0,4 % za vsak mesec uveljavitve po tvoji najnižji starosti ({2}).{3} Neto je ocena (odbitek za pokojninski dohodek ni upoštevan)."," National and guarantee pension add {0} a month.":" Nacionalna in zajamčena pokojnina dodata {0} na mesec.","{0} / month for up to {1} weeks":"{0} / mesec do {1} tednov","Retirement pension {0} a month: 18.1% of each year’s income up to 7.1 G (NOK 969,498) builds a pension account, divided by a life-expectancy divisor for claiming at {1}{2}. You can claim from 62 if the pension at 67 would reach the guarantee level; occupational pension (OTP, at least 2%) and AFP come on top.":"Starostna pokojnina {0} na mesec: 18,1 % dohodka vsakega leta do 7,1 G (969.498 NOK) gradi pokojninski račun, deljen z deliteljem življenjske dobe za uveljavitev pri {1}{2}. Uveljaviš jo lahko od 62, če bi pokojnina pri 67 dosegla zajamčeno raven; poklicna pokojnina (OTP, najmanj 2 %) in AFP se dodata.",", plus guarantee pension {0}":", in zajamčena pokojnina {0}","{0} / month at first, 300 days (a-kassa members)":"{0} / mesec na začetku, 300 dni (člani a-kassa)","Income and premium pension {0} a month: 18.5% of each year’s pensionable pay (capped at SEK 625,500) divided by a life-expectancy divisor for claiming at {1}{2}. You can claim from 63; the target age (riktålder) is 67, when the guarantee pension and housing supplement start. Occupational pensions (ITP/SAF-LO, usually 4.5% of pay) come on top.":"Dohodkovna in premijska pokojnina {0} na mesec: 18,5 % pokojninske plače vsakega leta (omejeno na 625.500 SEK), deljeno z deliteljem življenjske dobe za uveljavitev pri {1}{2}. Uveljaviš jo lahko od 63; ciljna starost (riktålder) je 67, ko se začneta zajamčena pokojnina in stanovanjski dodatek. Poklicne pokojnine (ITP/SAF-LO, običajno 4,5 % plače) se dodajo.","{0} / month for up to 2 years (a-kasse members)":"{0} / mesec do 2 let (člani a-kasse)","Severance (fratrædelsesgodtgørelse) {0} month(s)":"Odpravnina (fratrædelsesgodtgørelse) {0} mes.","Folkepension from {0} (your birth year): basic amount DKK 7,544 a month (full after 40 years of residence) + pension supplement up to DKK 8,729 (single, reduced by other income), plus ATP of about {1} a month. Deferring raises it. Most Danes also get a labour-market pension (often 12% of pay), which is not included here.":"Folkepension od {0} (tvoje leto rojstva): osnovni znesek 7.544 DKK na mesec (poln po 40 letih bivanja) + pokojninski dodatek do 8.729 DKK (samska oseba, znižan z drugimi dohodki) in ATP približno {1} na mesec. Odlog jo zviša. Večina Dancev dobi tudi pokojnino trga dela (pogosto 12 % plače), ki tu ni vključena.","Provident fund, pension and life-insurance contributions are deductible together with social insurance up to ⅕ of income: about {0} here.":"Prispevki v previdnostni sklad, za pokojnino in življenjsko zavarovanje so skupaj s socialnim zavarovanjem odbitni do ⅕ dohodka: tu približno {0}.","{0} / week, 26 weeks (estimate)":"{0} / teden, 26 tednov (ocena)","Basic pension {0} + supplementary {1} (1.5% of your insured pay above the basic insurable earnings), paid 13 times a year. Age 65 with 15 years; from 63 with a 12% cut (0.5% a month). Estimate: the official amount uses your insurance points year by year.":"Osnovna pokojnina {0} + dodatna {1} (1,5 % tvoje zavarovane plače nad osnovnim zavarovanim zaslužkom), izplačana 13-krat na leto. Starost 65 s 15 leti; od 63 z 12 % znižanjem (0,5 % na mesec). Ocena: uradni znesek uporablja tvoje zavarovalne točke leto za letom.","Personal retirement schemes give a 25% tax credit on up to €3,000 a year (max €750), here {0}, shown as an extra contribution.":"Osebne pokojninske sheme dajo 25 % davčne olajšave na do 3.000 € na leto (največ 750 €), tu {0}, prikazano kot dodaten prispevek.","Two-thirds pension: ⅔ of your average pay over the best 10 years (capped at €{0}) × {1}/{2} years of contributions. Age 65 (born from 1962); from 61 if you have the full {2} years and stop working. Cost-of-living increases are added every year.":"Dvotretjinska pokojnina: ⅔ tvoje povprečne plače v najboljših 10 letih (omejeno na {0} €) × {1}/{2} let prispevkov. Starost 65 (rojeni od 1962); od 61, če imaš polnih {2} let in ne delaš več. Vsako leto se doda uskladitev z življenjskimi stroški.","Income tax ({0} rates)":"Dohodnina (stopnje: {0})","married":"zakonca","parent":"starš","single":"samska oseba","Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to €115,000 at your age). USC and PRSI still apply.":"Tvoji pokojninski prispevki letos dobijo olajšavo pri dohodnini do {0} ({1} zaslužka do 115.000 € pri tvoji starosti). USC in PRSI se še vedno plačata.","State Pension (Contributory) {0} a week ({1}/40 years of contributions{2}). No early state pension; you can defer it up to 70 for a higher rate. Workplace and auto-enrolment pensions come on top.":"State Pension (Contributory) {0} na teden ({1}/40 let prispevkov{2}). Predčasne državne pokojnine ni; odložiš jo lahko do 70 za višjo stopnjo. Poklicne pokojnine in pokojnine s samodejno vključitvijo se dodajo.",", increased for deferring":", zvišano zaradi odloga","Retirement savings plans (PPR) give a 20% tax credit, up to €400 under 35, €350 from 35 to 50 and €300 above 50: here on up to {0} a year.":"Pokojninski varčevalni načrti (PPR) dajo 20 % davčne olajšave, do 400 € pod 35 let, 350 € od 35 do 50 in 300 € nad 50: tu na do {0} na leto.","{0} / month, {1} months":"{0} / mesec, {1} mesecev","Reference earnings {0} a month (best {1} years) × {2} years at 2.0–2.3% a year. Normal age {3} (66 years 9 months in 2026, 66 years 11 months in 2027); yours is {4} after 4 months off for each year above 40 at age 60. Early from 60 with 40 years: −0.5% a month. Paid 14 times a year.":"Referenčni zaslužek {0} na mesec (najboljših {1} let) × {2} let po 2,0–2,3 % na leto. Redna starost {3} (66 let in 9 mesecev v 2026, 66 let in 11 mesecev v 2027); tvoja je {4} po 4 mesecih manj za vsako leto nad 40 pri 60. letu. Predčasno od 60 s 40 leti: −0,5 % na mesec. Izplačuje se 14-krat na leto.","State-subsidised pension savings (prämienbegünstigte Zukunftsvorsorge): a 4.25% state premium on up to €3,286.08 a year, here {0}. No income-tax deduction. Employer pension-fund contributions are tax-free.":"Državno subvencionirano pokojninsko varčevanje (prämienbegünstigte Zukunftsvorsorge): 4,25 % državne premije na do 3.286,08 € na leto, tu {0}. Brez odbitka pri dohodnini. Prispevki delodajalca v pokojninski sklad so neobdavčeni.","{0} / month, {1} weeks":"{0} / mesec, {1} tednov","Pension account: 1.78% of each year’s pay (capped at €97,020) = {0} a year, paid in 14 instalments{1}. Legal age {2}. Net after 5.1% health insurance and wage tax (estimate).":"Pokojninski račun: 1,78 % plače vsakega leta (omejeno na 97.020 €) = {0} na leto, izplačano v 14 obrokih{1}. Zakonska starost {2}. Neto po 5,1 % zdravstvenega zavarovanja in davku na plačo (ocena).",", +{0} for claiming after 65":", +{0} za uveljavitev po 65",", −{0} corridor pension (5.1% a year before the legal age)":", −{0} koridorska pokojnina (5,1 % na leto pred zakonsko starostjo)","{0} / month gross, {1} months":"{0} / mesec bruto, {1} mesecev","Flat part {0} ({1}/40 years) + proportional part {2} ({3}% of your career pay){4}. Age 65 with 10 years, or from 57 with 40 years; no reduction for early retirement. Employee, employer and state each pay 8.5%.":"Pavšalni del {0} ({1}/40 let) + sorazmerni del {2} ({3} % plače v karieri){4}. Starost 65 z 10 leti ali od 57 s 40 leti; brez znižanja za predčasno upokojitev. Zaposleni, delodajalec in država plačajo vsak 8,5 %.",", raised to the minimum pension":", zvišano na najnižjo pokojnino","Income tax class {0} incl. {1}% employment fund":"Dohodnina razreda {0} z {1} % za sklad za zaposlovanje","Notice of {0} weeks, or the same in pay (taxed)":"Odpovedni rok {0} tednov ali enak znesek plače (obdavčeno)","Pension savings give a tax credit of 30% up to €1,050 a year, or 25% if you pay up to €1,350 (2026): here {0} plus the municipal surcharge.":"Pokojninsko varčevanje da 30 % davčne olajšave do 1.050 € na leto ali 25 %, če vplačaš do 1.350 € (2026): tu {0} in občinski dodatek.","{0} / month gross at first, {1} months":"{0} / mesec bruto na začetku, {1} mesecev","{0} of your pay (capped at €82,609 a year) × {1}/45 years{2}. Legal age {3}; from 60–63 only with 42–44 career years{4}. Net after the 3.55% health contribution and tax with the pension reduction (estimate).":"{0} tvoje plače (omejeno na 82.609 € na leto) × {1}/45 let{2}. Zakonska starost {3}; od 60–63 samo z 42–44 leti kariere{4}. Neto po 3,55 % zdravstvenega prispevka in davku z znižanjem za pokojnine (ocena).","75% (household rate)":"75 % (stopnja gospodinjstva)","60% (single rate)":"60 % (stopnja za samske osebe)",", here −{0} because you have fewer than 35 full years":", tu −{0}, ker imaš manj kot 35 polnih let","Income tax incl. {0}% municipal surcharge":"Dohodnina z {0} % občinskega dodatka","Annuity (lijfrente) payments are deductible up to your annual room, here about {0} (30% of income above €19,172, before your pension-fund build-up).":"Plačila za rento (lijfrente) so odbitna do tvojega letnega prostora, tu približno {0} (30 % dohodka nad 19.172 €, pred tvojim pridobivanjem v pokojninskem skladu).","AOW {0} ({1}/50 years of residence) from 67 + workplace pension {2} ({3}% a year of pay above the €19,554 franchise, estimate)":"AOW {0} ({1}/50 let bivanja) od 67 + poklicna pokojnina {2} ({3} % na leto od plače nad franšizo 19.554 €, ocena)","Your PER contributions reduce taxable income up to {0} this year (10% of last year’s professional income, min €4,710, max €37,680).":"Tvoji prispevki PER letos znižajo obdavčljivi dohodek do {0} (10 % lanskega poklicnega dohodka, najmanj 4.710 €, največ 37.680 €).","{0} / month for {1} months":"{0} / mesec za {1} mesecev","Basic pension: average of the best 25 years {0} × {1} × {2}/{3} quarters{4}; AGIRC-ARRCO {5} points × €1.4386. Legal age {6}, full rate at 67.":"Osnovna pokojnina: povprečje najboljših 25 let {0} × {1} × {2}/{3} četrtin{4}; AGIRC-ARRCO {5} točk × 1,4386 €. Zakonska starost {6}, polna stopnja pri 67."," + {0} bonus":" + {0} bonusa","Taxable income after 10% allowance ({0} tax shares)":"Obdavčljivi dohodek po 10 % olajšavi ({0} davčnih deležev)","Paid days off per year, {0}":"Plačani prosti dnevi na leto, {0}","Statutory redundancy: {0} weeks × £{1}":"Zakonska odpravnina ob presežnosti: {0} tednov × £{1}","Objective dismissal: 20 days per year ({0} days), tax-free":"Odpoved iz objektivnih razlogov: 20 dni na leto ({0} dni), neobdavčeno","€540 × {0} months":"540 € × {0} mesecev","{0} months’ pay (Law 4093/2012), without notice":"{0} mesečnih plač (zakon 4093/2012), brez odpovednega roka","same salary {0} / year everywhere":"povsod enaka plača {0} / leto","EUR":"EUR","Statutory redundancy ({0} weeks)":"Zakonska odpravnina ob presežnosti ({0} tednov)","{0} months, from {1} / month":"{0} mesecev, od {1} / mesec","from {0} / month for {1} months":"od {0} / mesec za {1} mesecev","Unfair-dismissal indemnity ({0} months)":"Odškodnina za nezakonito odpoved ({0} mesecev)","{0} / month for {1} months{2}":"{0} / mesec za {1} mesecev{2}"," after a 12-week block":" po 12-tedenski zapori","working days · legal minimum {0}{1}":"delovnih dni · zakonski minimum {0}{1}"," (may include bank holidays)":" (lahko vključuje bančne praznike)","Tax-free up to €8,112, social-insurance-free up to €4,056. Employer adds 15% of the SS-free part ({0}).":"Neobdavčeno do 8.112 €, brez socialnega zavarovanja do 4.056 €. Delodajalec doda 15 % dela brez SV ({0}).","with +{0} for deferring":"z +{0} za odlog","£241.30/week × {0}/35 qualifying years; State Pension age {1}":"241,30 £/teden × {0}/35 upoštevnih let; starost za State Pension {1}","Base {0} × {1} for {2} years; ordinary age {3}":"Osnova {0} × {1} za {2} let; redna starost {3}","Notional capital {0} × {1}% at {2}":"Namišljeni kapital {0} × {1} % pri {2}","{0} pension points × €42.52":"{0} pokojninskih točk × 42,52 €","Freelancer {0} vs employee {1} on a budget of {2}":"Samozaposleni {0} in zaposleni {1} pri proračunu {2}","{0} working days":"{0} delovnih dni","6 days (1 child), 8 (2), 14 (3+) a year, children under 16{0}":"6 dni (1 otrok), 8 (2), 14 (3+) na leto, otroci do 16. leta{0}"," → {0} days":" → {0} dni","Up to 4 days a year per child{0}":"Do 4 dni na leto na otroka{0}","Long-term care {0}%":"Dolgotrajna oskrba {0} %","Tax credits (employee + CO2 + single parent)":"Davčne olajšave (zaposleni + CO2 + enostarševska družina)","Tax credits (employee + CO2)":"Davčne olajšave (zaposleni + CO2)","Tax credits (personal + employee + single parent)":"Davčne olajšave (osebna + za zaposlene + enostarševska družina)","Municipal tax (kommuneskat {0})":"Občinski davek (kommuneskat {0})","Municipal and regional tax ({0})":"Občinski in regionalni davek ({0})","Burial fee + church fee and public service fee":"Pogrebna pristojbina + cerkvena pristojbina in pristojbina za javne medije","Employee pension contribution (TyEL {0})":"Pokojninski prispevek zaposlenega (TyEL {0})","Municipal tax ({0}) + church tax":"Občinski davek ({0}) + cerkveni davek","Municipal tax ({0})":"Občinski davek ({0})","{0} (moved)":"{0} (prestavljen)","Zurich (city)":"Zürich (mesto)","Geneva (city)":"Ženeva (mesto)","Lausanne (Vaud)":"Lausanne (Vaud)","Bern (city)":"Bern (mesto)","Basel (Basel-Stadt)":"Basel (Basel-Stadt)","Federal tax only (canton not included)":"Samo zvezni davek (brez kantona)","Old-age, disability and income-loss insurance (AHV/IV/EO) 5.3%":"Zavarovanje za starost, invalidnost in izpad dohodka (AHV/IV/EO) 5,3%","Unemployment insurance (ALV) 1.1%":"Zavarovanje za brezposelnost (ALV) 1,1%","Non-occupational accident insurance (NBU) {p}":"Zavarovanje za nezgode zunaj dela (NBU) {p}","Occupational pension (BVG minimum), half of {p} of the coordinated salary":"Poklicna pokojnina (minimum BVG), polovica od {p} koordinirane plače","Cantonal and communal income tax ({c})":"Kantonalni in občinski davek od dohodka ({c})","Taxable income for the federal tax":"Obdavčljivi dohodek za zvezni davek","Taxable income for the cantonal tax":"Obdavčljivi dohodek za kantonalni davek","Employer AHV/IV/EO, ALV and BVG (same as yours; family allowance and accident premiums not included)":"AHV/IV/EO, ALV in BVG delodajalca (enako kot tvoji; brez prispevkov za družinske dodatke in premij nezgodnega zavarovanja)","AHV old-age pension {a} a month ({y} of 44 contribution years, average yearly income {e}; full pension from CHF 1,260 to CHF 2,520), plus the 13th AHV pension paid each December from 2026, spread over the year here. Occupational pension (BVG minimum) {b} a month: your retirement savings of about {s} × {c} conversion rate. Reference age 65 (women born 1961–1963 between 64 and 65); the AHV pension can start from 63 (6.8% less per year early) or be deferred up to 5 years (up to 31.5% more). Tax estimated for {t}.":"Starostna pokojnina AHV {a} na mesec ({y} od 44 let prispevkov, povprečni letni dohodek {e}; polna pokojnina med 1.260 in 2.520 CHF), plus 13. pokojnina AHV, ki se od leta 2026 izplača vsak december, tukaj razporejena na vse leto. Poklicna pokojnina (minimum BVG) {b} na mesec: tvoji pokojninski prihranki približno {s} × stopnja pretvorbe {c}. Referenčna starost 65 let (ženske, rojene 1961–1963, med 64 in 65); pokojnina AHV se lahko začne pri 63 letih (6,8% manj za vsako leto prej) ali odloži do 5 let (do 31,5% več). Ocenjeni davek za {t}.","AHV/IV/EO for the self-employed 10% (lower rates up to CHF 60,500 of income)":"AHV/IV/EO za samozaposlene 10% (nižje stopnje do 60.500 CHF dohodka)","Long-service severance (art. 339b CO, at least 2 months’ pay; reduced by employer pension-fund benefits)":"Odpravnina za dolgo delovno dobo (čl. 339b OR, najmanj 2 mesečni plači; zmanjšana za dajatve pokojninskega sklada delodajalca)","{a} a month ({p} of your insured salary, at most CHF 12,350 a month) for {n} daily allowances (about {m} months); after a resignation the fund usually suspends 31–60 days":"{a} na mesec ({p} zavarovane plače, največ 12.350 CHF na mesec) za {n} dnevnih nadomestil (približno {m} mesecev); po lastni odpovedi blagajna izplačilo običajno ustavi za 31–60 dni","{m} months (to the end of a month)":"{m} meseca (do konca meseca)","Code of Obligations art. 335c":"Obligacijski zakonik (OR) čl. 335c","Switzerland":"Švica","Place of residence (canton and commune)":"Prebivališče (kanton in občina)","Non-occupational accident insurance (NBU) %":"Zavarovanje za nezgode zunaj dela (NBU) %","Occupational pension fund (BVG minimum contributions)":"Pokojninski sklad (minimalni prispevki BVG)","Three levels tax your income: the federal government (progressive up to 11.5%; the 2026 tariff starts above CHF 15,200 of taxable income for single people), the canton and the commune, which multiply the cantonal tariff by their tax rates. The cantonal and communal tax shown here comes from the official ESTV tax calculator for 2026 for the selected city, without church tax. Children reduce the federal tax by CHF 263 each and single parents use the lower parent tariff.":"Tvoj dohodek je obdavčen na treh ravneh: zvezni (progresivno do 11,5%; lestvica 2026 se za samske začne nad 15.200 CHF obdavčljivega dohodka) ter kantonalni in občinski, kjer se kantonalna lestvica pomnoži z lastnimi koeficienti. Prikazani kantonalni in občinski davek izhaja iz uradnega davčnega kalkulatorja ESTV za leto 2026 za izbrano mesto, brez cerkvenega davka. Vsak otrok zmanjša zvezni davek za 263 CHF, starši samohranilci pa imajo nižjo starševsko lestvico.","Employees pay 5.3% AHV/IV/EO on all pay and 1.1% unemployment insurance up to CHF 148,200 a year; the employer pays the same. Non-occupational accident insurance (about 1%, depending on the insurer) is usually deducted from pay. The occupational pension (BVG) is compulsory above CHF 22,680 a year: age credits of 7% to 18% of the coordinated salary (pay up to CHF 90,720 minus CHF 26,460), at least half paid by the employer. Many pension funds insure more than the legal minimum used here.":"Zaposleni plačajo 5,3% AHV/IV/EO od celotne plače in 1,1% zavarovanja za brezposelnost do 148.200 CHF na leto; delodajalec plača enako. Zavarovanje za nezgode zunaj dela (približno 1%, odvisno od zavarovalnice) se običajno odtegne od plače. Poklicna pokojnina (BVG) je obvezna nad 22.680 CHF na leto: starostni krediti od 7% do 18% koordinirane plače (plača do 90.720 CHF minus 26.460 CHF), vsaj polovico plača delodajalec. Številni pokojninski skladi zavarujejo več od zakonskega minimuma, uporabljenega tukaj.","Code of Obligations and Labour Act":"Obligacijski zakonik in Zakon o delu","Overtime beyond the contractual hours is paid with a 25% supplement unless the written contract says otherwise or it is compensated with time off. Work beyond the legal maximum week (45 hours in industry and offices, 50 hours in other sectors) is limited to 2 hours a day and 170 hours a year (140 with a 50-hour week) and must be paid with 25% extra. Night work is allowed only with a permit and Sunday work is paid with 50% extra.":"Nadure nad pogodbenim delovnim časom se plačajo z 25% dodatkom, razen če pisna pogodba ne določa drugače ali se ne nadomestijo s prostim časom. Delo nad zakonskim tedenskim maksimumom (45 ur v industriji in pisarnah, 50 ur v drugih sektorjih) je omejeno na 2 uri na dan in 170 ur na leto (140 pri 50-urnem tednu) in ga je treba plačati 25% več. Nočno delo je dovoljeno le z dovoljenjem, nedeljsko delo pa se plača 50% več.","2 h / day, 170 h / year above the 45-hour week":"2 h / dan, 170 h / leto nad 45-urnim tednom","The self-employed pay 10% AHV/IV/EO on their profit (lower rates from 5.371% for incomes below CHF 60,500, at least CHF 530 a year) and no unemployment insurance. Joining a pension fund is voluntary; without one you can pay up to 20% of your income, at most CHF 36,288 a year, into pillar 3a tax-free. VAT registration is required above CHF 100,000 of turnover.":"Samozaposleni plačajo 10% AHV/IV/EO od dobička (nižje stopnje od 5,371% za dohodek pod 60.500 CHF, najmanj 530 CHF na leto) in nič zavarovanja za brezposelnost. Članstvo v pokojninskem skladu je prostovoljno; brez sklada lahko v steber 3a brez davka vplačaš do 20% dohodka, največ 36.288 CHF na leto. Registracija za DDV je obvezna nad prometom 100.000 CHF.","AHV old-age pension (1st pillar)":"Starostna pokojnina AHV (1. steber)","A full AHV pension needs 44 contribution years and ranges from CHF 1,260 to CHF 2,520 a month depending on average yearly income (in 2025 and 2026); each missing year cuts it by about 1/44. From December 2026 a 13th monthly pension is paid every year. The reference age is 65 (women born 1961–1963 between 64¼ and 64¾); the pension can start from 63 or be deferred up to age 70.":"Polna pokojnina AHV zahteva 44 let prispevkov in znaša med 1.260 in 2.520 CHF na mesec glede na povprečni letni dohodek (v letih 2025 in 2026); vsako manjkajoče leto jo zmanjša za približno 1/44. Od decembra 2026 se vsako leto izplača 13. mesečna pokojnina. Referenčna starost je 65 let (ženske, rojene 1961–1963, med 64¼ in 64¾); pokojnina se lahko začne pri 63 letih ali odloži do 70.","Occupational pension (2nd pillar)":"Poklicna pokojnina (2. steber)","The BVG savings (age credits plus at least 1.25% interest in 2026) are turned into a life pension with a minimum conversion rate of 6.8% at the reference age, or paid out as a lump sum. Together, AHV and BVG aim to replace about 60% of earlier pay up to CHF 90,720.":"Prihranki BVG (starostni krediti plus najmanj 1,25% obresti v letu 2026) se pri referenčni starosti pretvorijo v dosmrtno pokojnino z minimalno stopnjo pretvorbe 6,8% ali izplačajo v celoti. AHV in BVG skupaj naj bi nadomestila približno 60% prejšnje plače do 90.720 CHF.","Pillar 3a contributions are deductible from taxable income up to CHF 7,258 a year in 2026 if you are in a pension fund (20% of income, at most CHF 36,288, without one). The money is locked until five years before the reference age (or for buying a home or starting a business) and taxed separately at a reduced rate when withdrawn.":"Vplačila v steber 3a se v letu 2026 odštejejo od obdavčljivega dohodka do 7.258 CHF na leto, če si v pokojninskem skladu (brez sklada 20% dohodka, največ 36.288 CHF). Denar je vezan do pet let pred referenčno starostjo (razen za nakup stanovanja ali začetek samostojne dejavnosti) in se ob dvigu obdavči ločeno po znižani stopnji.","Pillar 3a (bank account or securities): contributions are tax-deductible, returns are tax-free and the withdrawal is taxed separately at a reduced rate (about 7% used here; it depends on the canton and amount). Interest on ordinary savings is taxed as income (25% used) and 35% withholding tax is deducted and refunded through the tax return.":"Steber 3a (bančni račun ali vrednostni papirji): vplačila so odbitna, donosi neobdavčeni, dvig pa se obdavči ločeno po znižani stopnji (tukaj približno 7%; odvisno od kantona in zneska). Obresti na navadne prihranke se obdavčijo kot dohodek (tukaj 25%), 35% davčni odtegljaj pa se zadrži in vrne prek davčne napovedi.","Berchtold’s Day":"Dan sv. Berchtolda","Swiss National Day":"Švicarski državni praznik","Jeûne genevois":"Ženevski post (Jeûne genevois)","Federal Fast Monday":"Ponedeljek po zveznem postu","Restoration of the Republic":"Obnovitev republike","At least 4 weeks of paid holiday a year (5 weeks up to age 20); many contracts give 5 weeks. Only 1 August is a public holiday everywhere: the cantons set the others (up to 8 a year count as equal to Sundays), so the list of the selected city is shown.":"Najmanj 4 tedne plačanega dopusta na leto (5 tednov do 20. leta); številne pogodbe dajo 5 tednov. Le 1. avgust je praznik povsod: druge dni določijo kantoni (do 8 na leto je izenačenih z nedeljo), zato je prikazan seznam izbranega mesta.","14 weeks from the birth (Geneva: 16 weeks)":"14 tednov od poroda (Ženeva: 16 tednov)","80% of pay, at most CHF 220 a day (income-loss insurance, EO)":"80% plače, največ 220 CHF na dan (zavarovanje za izpad dohodka, EO)","2 weeks (10 working days) within 6 months of the birth":"2 tedna (10 delovnih dni) v 6 mesecih po rojstvu","80% of pay, at most CHF 220 a day":"80% plače, največ 220 CHF na dan","Family allowances":"Družinski dodatki","Monthly per child, from the employer’s family compensation fund":"Mesečno za vsakega otroka, iz blagajne za družinske dodatke delodajalca","At least CHF 215 per child (CHF 268 in education from 16 to 25); many cantons pay more":"Najmanj 215 CHF na otroka (268 CHF med šolanjem, od 16 do 25 let); številni kantoni plačajo več","By law the employer pays for a limited time (3 weeks in the first year, longer with service); most employers have daily sickness insurance instead":"Po zakonu delodajalec plača omejeno obdobje (3 tedne v prvem letu, več z delovno dobo); večina delodajalcev ima namesto tega zavarovanje dnevnega nadomestila za bolezen","100% (law) or usually 80% for up to 720 days (insurance)":"100% (zakon) ali običajno 80% do 720 dni (zavarovanje)","Dismissed by the employer":"Odpoved delodajalca","After the probation period the notice is 1 month in the first year of service, 2 months from the second to the ninth year and 3 months after that, always to the end of a month (contracts may set longer periods). There is no general severance pay: only workers aged 50 or more with 20 years at the employer are owed 2 to 8 months’ pay, reduced by what the employer’s pension fund pays.":"Po poskusnem delu je odpovedni rok 1 mesec v prvem letu dela, 2 meseca od drugega do devetega leta in 3 mesece po tem, vedno do konca meseca (pogodbe lahko določijo daljše roke). Splošne odpravnine ni: le delavci, stari 50 let ali več, z 20 leti pri delodajalcu imajo pravico do 2–8 mesečnih plač, zmanjšano za tisto, kar plača pokojninski sklad delodajalca.","With at least 12 months of contributions in the last 2 years the unemployment fund pays 70% of your insured salary (80% with children or a low salary), at most CHF 12,350 a month, for 200 daily allowances (12 months of contributions), 260 (18 months) or 400 (22 months; 520 from age 55). There are 5 to 20 waiting days depending on income, and a suspension if you resigned without good reason.":"Z najmanj 12 meseci prispevkov v zadnjih 2 letih blagajna za brezposelnost plača 70% zavarovane plače (80% z otroki ali nizko plačo), največ 12.350 CHF na mesec, za 200 dnevnih nadomestil (12 mesecev prispevkov), 260 (18 mesecev) ali 400 (22 mesecev; 520 od 55. leta). Glede na dohodek je 5–20 čakalnih dni in začasna ustavitev, če si odpovedal brez utemeljenega razloga.","Paying the maximum CHF 7,258 into pillar 3a lowers your federal, cantonal and communal income tax at your marginal rate.":"Če v steber 3a vplačaš največ 7.258 CHF, zmanjšaš zvezni, kantonalni in občinski davek za svojo mejno stopnjo.","Voluntary buy-ins into your pension fund are also fully deductible (ask your fund for your buy-in potential).":"Prostovoljni dokupi v pokojninski sklad so prav tako v celoti odbitni (vprašaj sklad, kolikšen je tvoj potencial dokupa).","Family allowances of at least CHF 215 per child a month are included (many cantons pay more, e.g. Geneva and Vaud). Married couples are taxed jointly with the married tariff, which is not modelled; single parents use the parent tariff.":"Vključeni so družinski dodatki najmanj 215 CHF na otroka na mesec (številni kantoni plačajo več, npr. Ženeva in Vaud). Zakonca se obdavčita skupaj po lestvici za poročene, ki tukaj ni izračunana; starši samohranilci imajo starševsko lestvico.","None (only from age 50 with 20 years)":"Brez (le od 50. leta z 20 leti delovne dobe)","14 weeks at 80%":"14 tednov po 80%","2 weeks at 80%":"2 tedna po 80%","No general parental leave":"Brez splošnega starševskega dopusta","80% (insurance, up to 720 days)":"80% (zavarovanje, do 720 dni)","Annual social insurance and income tax for one employee with the 2026 rules: federal tax from the official tariff, cantonal and communal tax from the ESTV tax calculator for the selected city (no church tax; the cantons’ standard deductions as the calculator applies them), the legal minimum BVG contributions and an estimated accident premium. Married couples, church tax, actual pension-fund rules, wealth tax and withholding tax for foreign workers (Quellensteuer) are not modelled.":"Letni socialni prispevki in dohodnina za zaposlenega po pravilih za leto 2026: zvezni davek po uradni lestvici, kantonalni in občinski davek iz davčnega kalkulatorja ESTV za izbrano mesto (brez cerkvenega davka; s standardnimi odbitki kantonov, kot jih uporablja kalkulator), zakonski minimalni prispevki BVG in ocenjena premija nezgodnega zavarovanja. Ni izračunano: zakonski pari, cerkveni davek, dejanski pravilniki pokojninskih skladov, davek na premoženje in davčni odtegljaj za tuje delavce.","Official sources: Federal Tax Administration ESTV (2026 tariffs and deductions, circular 2-215-D-2025; ESTV tax calculator for the cantonal and communal tax 2026), Federal Social Insurance Office (AHV pension scale, BVG thresholds and pillar 3a limits 2026), AHVG, BVG, AVIG (unemployment insurance), Code of Obligations (notice and severance), Labour Act (working hours), Eurostat (inflation, price levels, life expectancy).":"Uradni viri: Zvezna davčna uprava ESTV (lestvice in odbitki 2026, okrožnica 2-215-D-2025; davčni kalkulator ESTV za kantonalni in občinski davek 2026), Zvezni urad za socialno zavarovanje (lestvica pokojnin AHV, pragovi BVG in zgornje meje stebra 3a 2026), AHVG, BVG, AVIG (zavarovanje za brezposelnost), Obligacijski zakonik (odpovedni rok in odpravnina), Zakon o delu (delovni čas), Eurostat (inflacija, ravni cen, pričakovana življenjska doba).","Federal tax on a taxable income of CHF 80,000 (single)":"Zvezni davek za obdavčljivi dohodek 80.000 CHF (samski)","Federal tax for a single parent with two children, taxable CHF 70,173":"Zvezni davek za starša samohranilca z dvema otrokoma, obdavčljivi dohodek 70.173 CHF","Federal taxable income at CHF 100,000 gross (ESTV example: CHF 10,338 contributions)":"Zvezni obdavčljivi dohodek pri 100.000 CHF bruto (primer ESTV: prispevki 10.338 CHF)","Cantonal and communal tax in Zurich, ESTV example at CHF 100,000 gross":"Kantonalni in občinski davek v Zürichu, primer ESTV pri 100.000 CHF bruto","Maximum employee unemployment insurance contribution":"Najvišji prispevek zaposlenega za zavarovanje za brezposelnost","Maximum BVG coordinated salary":"Najvišja koordinirana plača BVG","Maximum full AHV pension (per month)":"Najvišja polna pokojnina AHV (na mesec)","Full AHV pension at an average income of CHF 45,360":"Polna pokojnina AHV pri povprečnem dohodku 45.360 CHF","Pillar 3a maximum with a pension fund 2026":"Zgornja meja stebra 3a s pokojninskim skladom 2026","Maximum unemployment benefit per month (70%)":"Najvišje nadomestilo za brezposelnost na mesec (70%)","Notice after 5 years of service (months)":"Odpovedni rok po 5 letih dela (meseci)","Pension fund 4%":"Pokojninski sklad 4%","Supplementary private pension 2% (tax-deductible)":"Dodatna zasebna pokojnina 2% (odbitna)","Income tax incl. municipal tax ({a} / {b} / {c}, less the personal tax credit)":"Dohodnina vključno z občinskim davkom ({a} / {b} / {c}, minus osebni davčni dobropis)","Personal tax credit (per year)":"Osebni davčni dobropis (na leto)","Employer pension 11.5% and private pension 2%, social security tax 6.35%, rehabilitation fund 0.1%":"Pokojnina delodajalca 11,5% in zasebna pokojnina 2%, prispevek za socialno varnost 6,35%, sklad za rehabilitacijo 0,1%","Employer pension 11.5%, social security tax 6.35%, rehabilitation fund 0.1%":"Pokojnina delodajalca 11,5%, prispevek za socialno varnost 6,35%, sklad za rehabilitacijo 0,1%","Pension-fund pension {f} a month (about 1.8% of your pay for each of {y} contribution years) plus the TR old-age pension {t}: up to ISK 365,592 a month with 40 years of residence ({r} here), reduced by 45% of other income above ISK 43,658 a month. Pensions start at 67; from 65 they are cut by 0.5% a month and deferring raises them by 0.5% a month.":"Pokojnina iz sklada {f} na mesec (približno 1,8% plače za vsako od {y} let prispevkov) plus državna starostna pokojnina (TR) {t}: do 365.592 ISK na mesec s 40 leti prebivanja (tukaj {r}), zmanjšana za 45% drugih dohodkov nad 43.658 ISK na mesec. Pokojnine se začnejo pri 67 letih; od 65. leta so znižane za 0,5% na mesec, odlog pa jih poveča za 0,5% na mesec.","Pension 15.5% and social security tax 6.35% on your own salary":"Pokojnina 15,5% in prispevek za socialno varnost 6,35% od lastne plače","3 months":"3 mesece","{a} a month for the first 3 months (70% of your average pay, at most ISK 605,159), then ISK 383,870, for up to 24 months in total{p}":"{a} na mesec prve 3 mesece (70% tvoje povprečne plače, največ 605.159 ISK), nato 383.870 ISK, skupaj največ 24 mesecev{p}","; after resigning without good reason the first 2 months are not paid":"; po odpovedi brez utemeljenega razloga se prva 2 meseca ne plačata","Act 19/1979 and collective agreements":"Zakon 19/1979 in kolektivne pogodbe","Iceland":"Islandija","Supplementary private pension 2% (with the employer’s 2%)":"Dodatna zasebna pokojnina 2% (z 2% od delodajalca)","Years lived in Iceland between ages 16 and 67 (for the TR pension)":"Leta, preživeta na Islandiji med 16. in 67. letom (za pokojnino TR)","Tax is withheld every month at 31.49% up to ISK 498,122, 37.99% up to ISK 1,398,450 and 46.29% above; the rates include the average municipal income tax. Everyone aged 16 or more gets a personal tax credit of ISK 72,492 a month (ISK 869,898 a year), deducted from the tax. Pension-fund contributions (4%) and supplementary private pension contributions (up to 4%) are deducted before tax.":"Davek se odteguje mesečno: 31,49% do 498.122 ISK, 37,99% do 1.398.450 ISK in 46,29% nad tem; stopnje vključujejo povprečni občinski davek od dohodka. Vsak, ki je star 16 let ali več, dobi osebni davčni dobropis 72.492 ISK na mesec (869.898 ISK na leto), ki se odšteje od davka. Prispevki v pokojninski sklad (4%) in dodatno zasebno pokojnino (do 4%) se odštejejo pred obdavčitvijo.","Employees pay 4% of pay to a pension fund and the employer 11.5%; most also save 2% in a supplementary private pension, matched by 2% from the employer under the collective agreements. Employers also pay the social security tax (tryggingagjald) of 6.35%. Union dues (often about 1%) are not included.":"Zaposleni plačajo 4% plače v pokojninski sklad, delodajalec pa 11,5%; večina varčuje še 2% v dodatni zasebni pokojnini, ki ji delodajalec po kolektivnih pogodbah doda 2%. Delodajalci plačajo še prispevek za socialno varnost (tryggingagjald) 6,35%. Sindikalne članarine (pogosto približno 1%) niso vključene.","Collective agreements and the Working Environment Act":"Kolektivne pogodbe in Zakon o delovnem okolju","The normal week is 40 hours (36 in many agreements since the shorter working week). Overtime is paid under the collective agreements, commonly at 1.0385% of monthly pay per hour (about 80% above the normal hourly rate). Working time including overtime may not exceed 48 hours a week on average, with at least 11 hours of rest a day.":"Običajni delovni teden ima 40 ur (36 v številnih pogodbah po skrajšanju delovnega časa). Nadure se plačajo po kolektivnih pogodbah, običajno 1,0385% mesečne plače na uro (približno 80% nad običajno urno postavko). Delovni čas vključno z nadurami v povprečju ne sme presegati 48 ur na teden, z najmanj 11 urami počitka na dan.","48 h / week on average including overtime":"V povprečju 48 h / teden vključno z nadurami","The self-employed must pay themselves a salary at least at the official guideline for their occupation (reiknað endurgjald), with 15.5% pension contributions and the 6.35% social security tax; the salary is taxed like an employee’s. Here the whole profit is treated as your own salary.":"Samozaposleni si morajo izplačevati plačo vsaj na uradni referenčni ravni za svoj poklic (reiknað endurgjald), s 15,5% pokojninskimi prispevki in prispevkom za socialno varnost 6,35%; plača se obdavči kot plača zaposlenega. Tukaj se ves dobiček obravnava kot tvoja plača.","Pension funds":"Pokojninski skladi","The main pension comes from the occupational pension funds, which receive 15.5% of pay (4% employee, 11.5% employer) and pay a life pension from 67, usually possible from 60–65 with a reduction. Each fund has its own accrual tables; about 1.8% of pay per year is used here.":"Glavna pokojnina prihaja iz poklicnih pokojninskih skladov, ki prejemajo 15,5% plače (4% zaposleni, 11,5% delodajalec) in izplačujejo dosmrtno pokojnino od 67. leta, običajno možno od 60–65 let z znižanjem. Vsak sklad ima svoje tabele; tukaj je uporabljeno približno 1,8% plače na leto.","State old-age pension (TR)":"Državna starostna pokojnina (TR)","The Social Insurance Administration pays up to ISK 365,592 a month in 2026 to people with 40 years of residence between 16 and 67 (less with fewer years). It is reduced by 45% of other income, including fund pensions, above ISK 43,658 a month. Single people living alone can receive a household supplement (not included).":"Uprava za socialno zavarovanje v letu 2026 plačuje do 365.592 ISK na mesec osebam s 40 leti prebivanja med 16. in 67. letom (manj z manj leti). Zmanjša se za 45% drugih dohodkov, vključno s pokojninami iz skladov, nad 43.658 ISK na mesec. Osebe, ki živijo same, lahko dobijo gospodinjski dodatek (ni vključen).","Supplementary private pension contributions are deductible up to 4% of pay ({l} for you); the employer adds 2% under the collective agreements. The savings can be withdrawn from 60, or used tax-free towards a first home (up to ISK 500,000 a year for 10 years).":"Vplačila v dodatno zasebno pokojnino so odbitna do 4% plače ({l} zate); delodajalec po kolektivnih pogodbah doda 2%. Prihranke lahko dvigneš od 60. leta ali jih brez davka porabiš za prvo stanovanje (do 500.000 ISK na leto 10 let).","Supplementary private pension (séreignarsparnaður): up to 4% of pay is deductible and the employer adds 2%; withdrawals from 60 are taxed as income (about 32% used here), but the savings can be used tax-free for a first home. Interest above ISK 300,000 a year is taxed at 22% capital income tax.":"Dodatna zasebna pokojnina (séreignarsparnaður): do 4% plače je odbitno, delodajalec doda 2%; dvigi od 60. leta se obdavčijo kot dohodek (tukaj približno 32%), prihranki pa se lahko brez davka porabijo za prvo stanovanje. Obresti nad 300.000 ISK na leto se obdavčijo z 22% kot kapitalski dohodek.","First Day of Summer":"Prvi poletni dan","Commerce Day":"Dan trgovcev","Christmas Eve (from 13:00)":"Božični večer (od 13:00)","New Year’s Eve (from 13:00)":"Silvestrovo (od 13:00)","By law 24 working days counting Saturdays (4 weeks) with 10.17% holiday pay; collective agreements usually give 24 days on a 5-day week, rising to 30 with age and service. Holidays falling on a weekend are not moved.":"Po zakonu 24 delovnih dni vključno s sobotami (4 tedne) z regresom za dopust 10,17%; kolektivne pogodbe običajno dajo 24 dni pri 5-dnevnem tednu, do 30 s starostjo in delovno dobo. Prazniki, ki padejo na konec tedna, se ne prestavijo.","12 months in total: 6 months for each parent, 6 weeks of which can be transferred, until the child is 24 months old":"Skupaj 12 mesecev: po 6 mesecev za vsakega starša, od tega 6 tednov prenosljivih, dokler otrok ne dopolni 24 mesecev","80% of average pay up to a monthly ceiling (Maternity/Paternity Leave Fund)":"80% povprečne plače do mesečne zgornje meje (Sklad za starševski dopust)","Paid by the tax authority four times a year":"Izplača davčna uprava štirikrat na leto","Paid by the employer: 2 days per month of service, more under the collective agreements; then the union sickness fund":"Plača delodajalec: 2 dni na mesec delovne dobe, več po kolektivnih pogodbah; nato bolniška blagajna sindikata","100% of pay while the employer pays":"100% plače, dokler plačuje delodajalec","The law gives at least 1 month’s notice after 1 year of service, 2 months after 3 years and 3 months after 5 years, always to the end of a month; collective agreements set 1 week during the first 3 months and often longer notice for older workers with long service. There is no statutory severance pay.":"Zakon daje najmanj 1 mesec odpovednega roka po 1 letu dela, 2 meseca po 3 letih in 3 mesece po 5 letih, vedno do konca meseca; kolektivne pogodbe določajo 1 teden v prvih 3 mesecih in pogosto daljši odpovedni rok za starejše delavce z dolgo delovno dobo. Zakonske odpravnine ni.","With 12 months of work in the last 12 months the Directorate of Labour pays income-related benefit of 70% of your average pay for 3 months, at most ISK 605,159 a month, and then the basic benefit of ISK 383,870 a month; with 3 to 12 months of work you get a share. From 1 July 2026 benefits last at most 24 months (30 before).":"Z 12 meseci dela v zadnjih 12 mesecih Direktorat za delo 3 mesece plačuje nadomestilo, vezano na dohodek, 70% tvoje povprečne plače, največ 605.159 ISK na mesec, nato osnovno nadomestilo 383.870 ISK na mesec; s 3–12 meseci dela dobiš delež. Od 1. julija 2026 nadomestilo traja največ 24 mesecev (prej 30).","Saving 4% in a supplementary private pension lowers your tax and the employer adds 2%; the savings can also go tax-free towards a first home.":"Varčevanje 4% v dodatni zasebni pokojnini ti zniža davek, delodajalec pa doda 2%; prihranki lahko brez davka gredo tudi v prvo stanovanje.","Child benefit and the interest allowance depend on income and are not included. Spouses can use each other’s unused personal tax credit (not modelled).":"Otroški dodatek in subvencija obresti sta odvisna od dohodka in nista vključena. Zakonca lahko uporabita neizkoriščeni osebni davčni dobropis drug drugega (ni izračunano).","6 months at 80% (ceiling)":"6 mesecev po 80% (zgornja meja)","12 months shared (6 + 6)":"12 mesecev razdeljeno (6 + 6)","100% from the employer, then sickness fund":"100% od delodajalca, nato bolniška blagajna","Monthly withholding tax for one employee with the 2026 brackets (average municipal rate) and the full personal tax credit, the 4% pension contribution and optionally 2% supplementary private pension. Union dues, child benefit, the interest allowance, transferring a spouse’s credit and the exact rules of your pension fund are not modelled.":"Davek, ki se mesečno odteguje zaposlenemu po razredih za leto 2026 (povprečna občinska stopnja) in polnem osebnem davčnem dobropisu, 4% pokojninskem prispevku in po izbiri 2% dodatne zasebne pokojnine. Ni izračunano: sindikalne članarine, otroški dodatek, subvencija obresti, prenos dobropisa zakonca in natančna pravila tvojega pokojninskega sklada.","Official sources: Iceland Revenue and Customs, Skatturinn (tax brackets, personal tax credit and social security tax 2026), island.is, Social Insurance Administration TR (old-age pension and income thresholds 2026), Directorate of Labour and regulation 1489/2025 (unemployment benefit), Act 19/1979 (notice), Act 30/1987 (holidays), Central Bank of Iceland (borrower-based measures), Eurostat (inflation, price levels, life expectancy).":"Uradni viri: Islandska davčna in carinska uprava Skatturinn (razredi, osebni davčni dobropis in prispevek za socialno varnost 2026), island.is, Uprava za socialno zavarovanje TR (starostna pokojnina in dohodkovni pragovi 2026), Direktorat za delo in uredba 1489/2025 (nadomestilo za brezposelnost), Zakon 19/1979 (odpovedni rok), Zakon 30/1987 (dopust), Centralna banka Islandije (ukrepi za posojilojemalce), Eurostat (inflacija, ravni cen, pričakovana življenjska doba).","Monthly tax before the credit on ISK 600,000":"Mesečni davek pred dobropisom za 600.000 ISK","Monthly income with no tax after the personal credit":"Mesečni neobdavčeni dohodek po osebnem dobropisu","Yearly personal tax credit":"Letni osebni davčni dobropis","Full TR old-age pension (per month)":"Polna starostna pokojnina TR (na mesec)","Maximum income-related unemployment benefit (per month)":"Najvišje nadomestilo za brezposelnost, vezano na dohodek (na mesec)","Notice after 4 years of service":"Odpovedni rok po 4 letih dela","Income tax (PAYE)":"Dohodnina (PAYE)","Independent earner tax credit":"Davčni dobropis za neodvisne zaslužke (IETC)","ACC earners’ levy 1.75%":"Prispevek ACC od zaslužka 1,75%","Employer KiwiSaver 3.5% (paid into your account after {p} ESCT)":"KiwiSaver delodajalca 3,5% (nakazan na tvoj račun po {p} ESCT)","NZ Superannuation {s} a month before tax (single, living alone: $1,294.74 a fortnight from 1 April 2026; it is not means-tested and needs {n} years of residence after age 20). KiwiSaver balance about {b}, drawn as {k} a month over your life expectancy (withdrawals are tax-free). NZ Super starts at 65 and cannot be taken earlier.":"NZ Superannuation {s} na mesec pred davkom (samska oseba, ki živi sama: 1.294,74 $ vsaka dva tedna od 1. aprila 2026; brez preverjanja premoženja, z {n} leti prebivanja po 20. letu). Stanje KiwiSaver približno {b}, izplačano kot {k} na mesec v tvoji pričakovani življenjski dobi (dvigi so neobdavčeni). NZ Super se začne pri 65 letih in je ni mogoče prejeti prej.","ACC earners’ levy 1.75% (the ACC work levy for your industry is extra)":"Prispevek ACC od zaslužka 1,75% (doda se prispevek ACC za delo v tvojem sektorju)","Jobseeker Support of {a} a week before tax (single, 25 or over{p}), paid as long as you qualify and reapplied for every 52 weeks; it is reduced by your partner’s income and starts after a stand-down of up to 2 weeks{r}. Shown here for 26 weeks.":"Jobseeker Support {a} na teden pred davkom (samska oseba, 25 let ali več{p}), izplačuje se, dokler izpolnjuješ pogoje, z novo vlogo vsakih 52 tednov; zmanjša se glede na dohodek partnerja in se začne po čakanju do 2 tedna{r}. Tukaj prikazano za 26 tednov.",", sole-parent rate":", znesek za starša samohranilca","; after resigning without good reason it can be withheld for 13 weeks":"; po odpovedi brez utemeljenega razloga se lahko ustavi za 13 tednov","As set in your employment agreement (often 4 weeks; “reasonable notice” if none)":"Po pogodbi o zaposlitvi (pogosto 4 tedne; „razumen odpovedni rok”, če ni določen)","Employment Relations Act 2000":"Employment Relations Act 2000","New Zealand":"Nova Zelandija","KiwiSaver contribution rate %":"Stopnja prispevka KiwiSaver %","Not a member":"Ni član","Years lived in New Zealand after age 20":"Leta, preživeta na Novi Zelandiji po 20. letu","Income tax is 10.5% up to $15,600, 17.5% up to $53,500, 30% up to $78,100, 33% up to $180,000 and 39% above, with no tax-free allowance. People earning $24,000 to $70,000 who get no benefits or Working for Families get the independent earner tax credit of up to $520 a year. The tax year runs from 1 April to 31 March.":"Dohodnina je 10,5% do 15.600 $, 17,5% do 53.500 $, 30% do 78.100 $, 33% do 180.000 $ in 39% nad tem, brez neobdavčenega zneska. Kdor zasluži med 24.000 in 70.000 $ in ne prejema dajatev ali Working for Families, dobi dobropis IETC do 520 $ na leto. Davčno leto traja od 1. aprila do 31. marca.","ACC and KiwiSaver":"ACC in KiwiSaver","Every employee pays the ACC earners’ levy for accident cover: 1.75% of pay up to $156,641 in 2026–27. KiwiSaver members contribute 3.5% of pay from 1 April 2026 (or 4%, 6%, 8% or 10%), and the employer adds 3.5% minus employer superannuation contribution tax. There is no other social security contribution.":"Vsak zaposleni plača prispevek ACC za kritje nezgod: 1,75% plače do 156.641 $ v letu 2026–27. Člani KiwiSaver od 1. aprila 2026 vplačujejo 3,5% plače (ali 4%, 6%, 8% ali 10%), delodajalec pa doda 3,5% minus davek na prispevke delodajalca (ESCT). Drugih socialnih prispevkov ni.","Employment agreements":"Pogodbe o zaposlitvi","There is no legal overtime rate: extra hours are paid as the employment agreement says, as long as average pay stays at least at the minimum wage ($23.95 an hour from 1 April 2026). Work on a public holiday is paid at least time and a half plus a day off in lieu if it is a normal working day.":"Zakonskega dodatka za nadure ni: dodatne ure se plačajo po pogodbi, pod pogojem, da povprečna plača ostane vsaj na ravni minimalne plače (23,95 $ na uro od 1. aprila 2026). Delo na praznik se plača najmanj 1,5-krat plus nadomestni prosti dan, če je to običajni delovni dan.","No legal limit; set by the agreement":"Brez zakonske omejitve; določi pogodba","Sole traders pay income tax on their profit at the same rates as employees, usually through provisional tax, and ACC levies (the earners’ levy plus a work levy that depends on the industry). GST registration is required above $60,000 of turnover. KiwiSaver contributions are voluntary.":"Samostojni podjetniki plačajo dohodnino od dobička po enakih stopnjah kot zaposleni, običajno prek začasnega davka, in prispevke ACC (prispevek od zaslužka plus prispevek za delo glede na sektor). Registracija za GST je obvezna nad prometom 60.000 $. Prispevki KiwiSaver so prostovoljni.","NZ Super is paid from 65 to residents who lived in New Zealand at least 10 years after age 20 (gradually rising to 20 years for people born from July 1959), regardless of past earnings or other income. From 1 April 2026 a single person living alone receives $1,294.74 a fortnight before tax ($1,110.30 after tax at the M code); it is taxed as income.":"NZ Super se izplačuje od 65. leta rezidentom, ki so na Novi Zelandiji živeli najmanj 10 let po 20. letu (postopoma narašča na 20 let za rojene od julija 1959), ne glede na prejšnje zaslužke ali druge dohodke. Od 1. aprila 2026 samska oseba, ki živi sama, prejme 1.294,74 $ vsaka dva tedna pred davkom (1.110,30 $ po davku s kodo M); obdavči se kot dohodek.","KiwiSaver savings come from your contributions, the employer’s 3.5% and the government contribution of 25 cents per dollar up to $260.72 a year (not for incomes above $180,000). They can be withdrawn from 65, or earlier for a first home.":"Prihranki KiwiSaver izvirajo iz tvojih prispevkov, 3,5% delodajalca in državnega prispevka 25 centov za vsak dolar, do 260,72 $ na leto (ne za dohodek nad 180.000 $). Dvigneš jih lahko od 65. leta ali prej za prvo stanovanje.","KiwiSaver contributions are not tax-deductible, but the government adds 25 cents for every dollar you contribute, up to $260.72 a year ({l} for you), and employer contributions are taxed at a flat ESCT rate. Withdrawals from 65 are tax-free.":"Prispevki KiwiSaver niso odbitni, vendar država doda 25 centov za vsak vplačani dolar, do 260,72 $ na leto ({l} zate), prispevki delodajalca pa se obdavčijo s fiksno stopnjo ESCT. Dvigi od 65. leta so neobdavčeni.","KiwiSaver: funds are taxed inside the scheme at your prescribed investor rate (10.5%, 17.5% or 28%), and withdrawals from 65 are tax-free. Interest in a bank account is taxed at your marginal rate (30% used here).":"KiwiSaver: skladi se obdavčijo znotraj sheme po tvoji stopnji vlagatelja (10,5%, 17,5% ali 28%), dvigi od 65. leta so neobdavčeni. Obresti z bančnega računa se obdavčijo po tvoji mejni stopnji (tukaj 30%).","Day after New Year’s Day":"Drugi dan novega leta","Waitangi Day":"Waitangi Day","King’s Birthday":"Kraljev rojstni dan","At least 4 weeks of paid annual holidays after 12 months of work, plus 12 public holidays (holidays on a weekend move to the next working day for most of them) and a regional anniversary day, which is not shown. Sick leave is 10 days a year after 6 months.":"Najmanj 4 tedne plačanega letnega dopusta po 12 mesecih dela, plus 12 državnih praznikov (večina se prestavi na naslednji delovni dan, če pade na konec tedna) in regionalni dan obletnice, ki ni prikazan. Bolniški dopust je 10 dni na leto po 6 mesecih.","Paid parental leave":"Plačan starševski dopust","Up to 26 weeks for the primary carer (can be shared), plus up to 52 weeks of unpaid extended leave":"Do 26 tednov za primarnega skrbnika (lahko se deli), plus do 52 tednov neplačanega podaljšanega dopusta","100% of average weekly earnings, at most $811.05 a week before tax (from 1 July 2026)":"100% povprečnega tedenskega zaslužka, največ 811,05 $ na teden pred davkom (od 1. julija 2026)","Partner’s leave":"Dopust partnerja","1 or 2 weeks around the birth":"1 ali 2 tedna ob rojstvu","Weekly tax credits for families with children":"Tedenski davčni dobropisi za družine z otroki","10 days a year after 6 months of work, carried over up to 20 days":"10 dni na leto po 6 mesecih dela, kopičijo se do 20 dni","Made redundant or dismissed":"Presežni delavec ali odpoved","Notice and redundancy":"Odpovedni rok in presežni delavci","The law sets no minimum notice period or redundancy pay: notice follows the employment agreement (4 weeks is common) and redundancy compensation is owed only if the agreement provides it. A dismissal must follow a fair process with a genuine reason. Untaken annual holidays are paid out at 8% of gross earnings or the leave value, whichever is higher.":"Zakon ne določa minimalnega odpovednega roka ne odpravnine za presežne delavce: odpovedni rok sledi pogodbi o zaposlitvi (običajno 4 tedne), odškodnina pa pripada le, če jo določa pogodba. Odpoved mora slediti poštenemu postopku in imeti resničen razlog. Neizkoriščeni letni dopust se izplača po 8% bruto zaslužka ali vrednosti dopusta, kar je več.","There is no unemployment insurance. Work and Income pays Jobseeker Support, a flat weekly benefit of $426.12 before tax for a single person aged 25 or over from 1 April 2026 ($606.69 for a sole parent), reduced by your and your partner’s other income and subject to work obligations.":"Zavarovanja za brezposelnost ni. Work and Income plačuje Jobseeker Support, fiksno tedensko dajatev 426,12 $ pred davkom za samsko osebo, staro 25 let ali več, od 1. aprila 2026 (606,69 $ za starša samohranilca), zmanjšano glede na tvoje druge dohodke in dohodke partnerja ter pogojeno z iskanjem zaposlitve.","Contribute at least $1,042.86 a year to KiwiSaver to receive the full government contribution of $260.72.":"V KiwiSaver vplačaj najmanj 1.042,86 $ na leto, da dobiš polni državni prispevek 260,72 $.","Working for Families tax credits and the Best Start payment depend on family income and are not included. Each person is taxed individually.":"Davčni dobropisi Working for Families in izplačilo Best Start so odvisni od družinskega dohodka in niso vključeni. Vsaka oseba se obdavči ločeno.","None by law (agreement only)":"Po zakonu brez (le po pogodbi)","Per agreement":"Po pogodbi","Flat, income-tested":"Fiksno, odvisno od dohodka","26 weeks at 100% (up to $811.05 a week)":"26 tednov po 100% (do 811,05 $ na teden)","1–2 weeks unpaid":"1–2 tedna neplačano","Shareable within the 26 weeks":"Lahko se deli znotraj 26 tednov","10 days a year at 100%":"10 dni na leto po 100%","Annual PAYE income tax, ACC earners’ levy and KiwiSaver for one employee with the 2026–27 rates. Working for Families, the student loan repayment (12% above $24,128), the secondary tax codes and the ACC work levy for the self-employed are not modelled.":"Letni davek PAYE, prispevek ACC in KiwiSaver za zaposlenega po stopnjah za leto 2026–27. Ni izračunano: Working for Families, odplačilo študentskega posojila (12% nad 24.128 $), sekundarne davčne kode in prispevek ACC za delo samozaposlenih.","Official sources: Inland Revenue (income tax rates, independent earner tax credit, KiwiSaver and ESCT 2026–27), ACC (earners’ levy 2026–27), Work and Income (benefit and NZ Super rates from 1 April 2026), Employment New Zealand (minimum wage, holidays, notice), Te Kāhui o Matariki Public Holiday Act 2022, Reserve Bank of New Zealand (loan-to-value and debt-to-income limits), Stats NZ (inflation), World Bank ICP (price levels).":"Uradni viri: Inland Revenue (davčne stopnje, IETC, KiwiSaver in ESCT 2026–27), ACC (prispevek od zaslužka 2026–27), Work and Income (dajatve in NZ Super od 1. aprila 2026), Employment New Zealand (minimalna plača, dopusti, odpovedni rok), Te Kāhui o Matariki Public Holiday Act 2022, Reserve Bank of New Zealand (omejitve razmerja posojilo/vrednost in dolg/dohodek), Stats NZ (inflacija), Svetovna banka ICP (ravni cen).","Income tax on $70,000 a year (before credits)":"Dohodnina pri 70.000 $ na leto (pred dobropisi)","Independent earner tax credit at $68,000":"Dobropis IETC pri 68.000 $","Maximum ACC earners’ levy 2026–27":"Najvišji prispevek ACC od zaslužka 2026–27","NZ Super, single living alone, before tax (per fortnight)":"NZ Super, samska oseba, ki živi sama, pred davkom (vsaka dva tedna)","Maximum KiwiSaver government contribution":"Najvišji državni prispevek za KiwiSaver","Jobseeker Support, single 25+, before tax (per week)":"Jobseeker Support, samska oseba 25+, pred davkom (na teden)","Your pillar 3a":"Tvoj steber 3a","Your KiwiSaver":"Tvoj KiwiSaver","Zurich":"Zürich","Geneva":"Ženeva","Vaud":"Vaud","Bern":"Bern","Basel-Stadt":"Basel-Stadt","Zurich has no transfer tax: notary and land registry fees (estimate, about 0.25%)":"Zürich nima davka na promet nepremičnin: notarske in zemljiškoknjižne pristojbine (ocena, približno 0,25%)","Geneva transfer duty 3%":"Ženevska pristojba za prenos 3%","Vaud transfer duty 2.2% plus the communal surcharge (Lausanne, 3.3% in total)":"Pristojba za prenos Vaud 2,2% plus občinski dodatek (Lausanne, skupaj 3,3%)","Bern transfer tax 1.8% above the first CHF 800,000 (home you live in)":"Davek na prenos Bern 1,8% nad prvimi 800.000 CHF (lastni dom)","Basel-Stadt transfer tax 3%, usually half paid by the buyer (estimate)":"Davek na prenos Basel-Stadt 3%, običajno polovico plača kupec (ocena)","Notary and land registry (estimate, about 0.3%)":"Notar in zemljiška knjiga (ocena, približno 0,3%)","Mortgage note registration (estimate, about 0.2% of the loan)":"Ustanovitev hipotekarne listine (ocena, približno 0,2% posojila)","Stamp duty 0.4% (first-time buyers; 0.8% otherwise) of the assessed value, here the price":"Kolkovina 0,4% (prvi kupci; sicer 0,8%) od uradne vrednosti, tukaj cene","Stamp duty 0.8% of the assessed value, here the price":"Kolkovina 0,8% od uradne vrednosti, tukaj cene","Registration, loan fee and valuation (estimate)":"Vpis, provizija za posojilo in cenitev (ocena)","No stamp duty: lawyer and conveyancing (estimate)":"Brez kolkovine: odvetnik in prenos lastništva (ocena)","LIM report and building inspection (estimate)":"Poročilo LIM in pregled stavbe (ocena)","Not modelled: mortgage interest is deductible, but the imputed rental value of the home is taxed as income (its abolition, approved in 2025, is not yet in force).":"Ni izračunano: obresti na hipoteko so odbitne, najemna vrednost lastnega doma pa se obdavči kot dohodek (njena odprava, izglasovana leta 2025, še ne velja).","Not modelled: the income-tested interest allowance (vaxtabætur) refunds part of the interest for lower incomes and modest wealth.":"Ni izračunano: od dohodka odvisna subvencija obresti (vaxtabætur) vrne del obresti gospodinjstvom z nižjim dohodkom in skromnim premoženjem.","No relief for a home you live in.":"Brez olajšave za dom, v katerem živiš.","Bank self-regulation recognised by FINMA: at least 20% own funds (10% not from the pension fund), the mortgage reduced to two thirds of the value within 15 years, and housing costs at an imputed 5% interest rate plus 1% upkeep and amortisation at most about one third of gross income.":"Samoregulacija bank, ki jo priznava FINMA: najmanj 20% lastnih sredstev (od tega 10% ne iz pokojninskega sklada), zmanjšanje hipoteke na dve tretjini vrednosti v 15 letih in stroški bivanja, izračunani s teoretično obrestno mero 5% plus 1% vzdrževanja in odplačilom največ približno tretjine bruto dohodka.","Central Bank of Iceland: loans at most 80% of the value (85% for first-time buyers) and debt service at most 35% of disposable income (40% for first-time buyers), calculated at a minimum interest rate.":"Centralna banka Islandije: posojila največ 80% vrednosti (85% za prve kupce) in servisiranje dolga največ 35% razpoložljivega dohodka (40% za prve kupce), izračunano z minimalno obrestno mero.","Reserve Bank of New Zealand: banks may make at most 20% of owner-occupier loans above 80% of the value, and at most 20% of them to borrowers whose total debt exceeds 6 times gross income.":"Reserve Bank of New Zealand: banke lahko odobrijo največ 20% posojil lastnikom-stanovalcem nad 80% vrednosti in največ 20% posojilojemalcem, katerih skupni dolg presega 6-kratnik bruto dohodka.","Public holidays on weekdays in 2026 (Zurich)":"Državni prazniki na delovne dni v letu 2026 (Zürich)","Official public holidays on weekdays in 2026":"Uradni državni prazniki na delovne dni v letu 2026","Public holidays on weekdays in 2026 (with Mondayisation)":"Državni prazniki na delovne dni v letu 2026 (s prestavitvijo na ponedeljek)","Geneva transfer duty on a CHF 1,000,000 home":"Ženevska pristojba za prenos za dom za 1.000.000 CHF","Stamp duty on an ISK 80,000,000 home (not a first purchase)":"Kolkovina za dom za 80.000.000 ISK (ni prvi nakup)","The AHV pension uses your average pay in today’s money (the official revaluation factors are not applied) and the BVG part uses the legal minimum age credits and 1.25% interest; many pension funds insure more. Your official statements come from your AHV compensation office and your pension fund.":"Pokojnina AHV uporablja tvojo povprečno plačo v današnjem denarju (brez uradnih koeficientov valorizacije), del BVG pa zakonske minimalne starostne kredite z 1,25% obresti; številni pokojninski skladi zavarujejo več. Uradne izpiske dobiš pri svoji izravnalni blagajni AHV in pokojninskem skladu.","The pension-fund pension is estimated at about 1.8% of pay per contribution year; each fund has its own tables and your annual statement shows your accrued rights. The TR household supplement is not included.":"Pokojnina iz sklada je ocenjena na približno 1,8% plače na leto prispevkov; vsak sklad ima svoje tabele, letni izpisek pa prikazuje pridobljene pravice. Gospodinjski dodatek TR ni vključen.","KiwiSaver is projected with a 3% real return and drawn down evenly over your life expectancy; actual returns depend on your fund. NZ Super is shown at the rate for a single person living alone.":"KiwiSaver je projiciran z realnim donosom 3% in enakomerno dvignjen v tvoji pričakovani življenjski dobi; dejanski donos je odvisen od tvojega sklada. NZ Super je prikazana v znesku za samsko osebo, ki živi sama.","The number of daily allowances assumes your years of service are also your contribution years; waiting days and suspensions are not deducted.":"Število dnevnih nadomestil predpostavlja, da so leta dela tudi leta prispevkov; čakalni dnevi in začasne ustavitve niso odšteti.","Jobseeker Support is shown for 26 weeks before tax; it is income-tested, so your partner’s income can reduce or remove it.":"Jobseeker Support je prikazan za 26 tednov pred davkom; odvisen je od dohodka, zato ga lahko dohodek partnerja zmanjša ali odpravi.","CPF employee contribution {p} (wages up to $8,000 a month)":"Prispevek CPF zaposlenega {p} (plača do 8.000 $ na mesec)","Income tax (resident rates)":"Dohodnina (stopnje za rezidente)","Personal reliefs (CPF, earned income, children)":"Osebni odbitki (CPF, dohodek iz dela, otroci)","Employer CPF {p} and Skills Development Levy":"CPF delodajalca {p} in Skills Development Levy","Skills Development Levy (employer)":"Skills Development Levy (delodajalec)","CPF LIFE payout {p} a month from {a} (Standard Plan): your Retirement Account at 55 of about {r} (savings set aside up to the Full Retirement Sum of $220,400). The CPF Board estimates about $950 a month with the Basic Retirement Sum and $1,780 with the Full. Payouts start at 65 and rise for each year you defer them, up to 70. Savings used for housing are not in the account.":"Izplačilo CPF LIFE {p} na mesec od {a}. leta (Standard Plan): tvoj Retirement Account pri 55 letih približno {r} (prihranki, prihranjeni do Full Retirement Sum 220.400 $). CPF ocenjuje približno 950 $ na mesec z Basic Retirement Sum in 1.780 $ s Full. Izplačila se začnejo pri 65 letih in rastejo za vsako leto odloga, do 70. Prihranki, porabljeni za stanovanje, niso na računu.","MediSave contribution for the self-employed (up to 10.5% of net trade income)":"Prispevek MediSave za samozaposlene (do 10,5% neto poslovnega dohodka)","1 day":"1 dan","Retrenchment benefit (customary 2 weeks’ pay per year of service; not taxed)":"Odpravnina za presežne delavce (običajno 2 tedna plače na leto delovne dobe; neobdavčena)","SkillsFuture Jobseeker Support: up to $6,000 over 6 months for involuntarily unemployed residents who earned up to $5,000 a month, paid while you take part in job search and training activities":"SkillsFuture Jobseeker Support: do 6.000 $ v 6 mesecih za rezidente, ki so nehote izgubili delo in zaslužili do 5.000 $ na mesec, izplačano, dokler sodeluješ pri iskanju zaposlitve in usposabljanju","Employment Act s. 10 (unless the contract says otherwise)":"Employment Act čl. 10 (če pogodba ne določa drugače)","Chinese New Year":"Kitajsko novo leto","Chinese New Year (2nd day)":"Kitajsko novo leto (2. dan)","Vesak Day":"Vesak","Singapore":"Singapur","Singapore citizen or permanent resident (pays CPF)":"Državljan ali stalni rezident Singapurja (plačuje CPF)","Tax residents pay progressive rates from 0% on the first $20,000 of chargeable income to 24% above $1 million. Reliefs are deducted first: your CPF contributions, the earned income relief ($1,000 under 55) and $4,000 for each qualifying child, up to $80,000 in total. Tax is paid once a year on the previous year’s income; it is not withheld from pay.":"Davčni rezidenti plačajo progresivne stopnje od 0% za prvih 20.000 $ obdavčljivega dohodka do 24% nad 1 milijonom $. Najprej se odštejejo odbitki: tvoji prispevki CPF, odbitek za dohodek iz dela (1.000 $ pod 55 leti) in 4.000 $ za vsakega otroka, skupaj največ 80.000 $. Davek se plača enkrat na leto za dohodek preteklega leta; od plače se ne odteguje.","Citizens and permanent residents pay 20% of wages into the Central Provident Fund and employers 17% (up to age 55; lower rates after), on wages up to $8,000 a month from 2026 and $102,000 a year including bonuses. The money goes to the Ordinary, Special/Retirement and MediSave accounts for housing, retirement and health care. Foreigners pay no CPF.":"Državljani in stalni rezidenti plačajo 20% plače v Central Provident Fund, delodajalci pa 17% (do 55. leta; pozneje nižje stopnje), od plač do 8.000 $ na mesec od leta 2026 in 102.000 $ na leto vključno z bonusi. Denar gre na račune Ordinary, Special/Retirement in MediSave za stanovanje, pokojnino in zdravje. Tujci ne plačujejo CPF.","Employment Act Part IV":"Employment Act IV. del","Workmen earning up to $4,500 a month and other employees earning up to $2,600 must be paid at least 1.5 times the hourly basic rate for overtime, and double pay for work on a rest day at the employer’s request. Overtime is limited to 72 hours a month and 12 working hours a day. Higher earners follow their contract.":"Fizični delavci, ki zaslužijo do 4.500 $ na mesec, in drugi zaposleni do 2.600 $ morajo za nadure dobiti najmanj 1,5-kratnik osnovne urne postavke, za delo na dan počitka na zahtevo delodajalca pa dvojno. Nadure so omejene na 72 ur na mesec in 12 ur dela na dan. Za tiste z višjimi plačami velja pogodba.","72 h / month, 12 h / day":"72 h / mesec, 12 h / dan","Self-employed people earning more than $6,000 of net trade income a year must pay MediSave contributions (up to 10.5% by age, on income up to $96,000) and pay income tax at the resident rates. Paying into the CPF Ordinary and Special accounts is voluntary. GST registration is required above $1 million of turnover.":"Samozaposleni z več kot 6.000 $ neto poslovnega dohodka na leto morajo plačati prispevke MediSave (do 10,5% glede na starost, od dohodka do 96.000 $) in dohodnino po stopnjah za rezidente. Vplačila na račune CPF Ordinary in Special so prostovoljna. Registracija za GST je obvezna nad prometom 1 milijon $.","At 55 your CPF savings form a Retirement Account (in 2026 the Basic Retirement Sum is $110,200, the Full $220,400 and the Enhanced $440,800). From 65 CPF LIFE pays a monthly income for life: the CPF Board estimates about $950 with the Basic, $1,780 with the Full and $3,440 with the Enhanced Retirement Sum (Standard Plan); starting later, up to 70, raises the payout. There is no other state pension.":"Pri 55 letih tvoji prihranki CPF oblikujejo Retirement Account (v letu 2026 je Basic Retirement Sum 110.200 $, Full 220.400 $ in Enhanced 440.800 $). Od 65. leta CPF LIFE izplačuje dosmrtni mesečni dohodek: CPF ocenjuje približno 950 $ z Basic, 1.780 $ s Full in 3.440 $ z Enhanced Retirement Sum (Standard Plan); poznejši začetek, do 70. leta, poveča izplačilo. Druge državne pokojnine ni.","From 1 July 2026 employers may not make workers retire before 64 and must offer re-employment up to 69 to eligible workers.":"Od 1. julija 2026 delodajalci ne smejo upokojiti delavcev pred 64. letom in morajo upravičenim delavcem ponuditi ponovno zaposlitev do 69. leta.","Supplementary Retirement Scheme (SRS) contributions are deductible up to $15,300 a year for citizens and permanent residents ($35,700 for foreigners). Withdrawals from the statutory retirement age are 50% taxable; topping up your own CPF Retirement Account also gives up to $8,000 of tax relief.":"Vplačila v Supplementary Retirement Scheme (SRS) so odbitna do 15.300 $ na leto za državljane in stalne rezidente (35.700 $ za tujce). Dvigi od zakonske upokojitvene starosti so obdavčljivi 50-odstotno; dopolnitev lastnega CPF Retirement Account prav tako prinese odbitek do 8.000 $.","Supplementary Retirement Scheme (SRS): contributions are tax-deductible and only half of each withdrawal from the statutory retirement age is taxed (about 5% used here). Interest from Singapore banks is tax-free for individuals.":"Supplementary Retirement Scheme (SRS): vplačila so odbitna, od zakonske upokojitvene starosti pa se obdavči le polovica vsakega dviga (tukaj približno 5%). Obresti singapurskih bank so za fizične osebe neobdavčene.","{h} (day in lieu)":"{h} (nadomestni prosti dan)","Employees covered by the Employment Act get 7 days of paid annual leave in the first year, rising by 1 day a year to 14 days from the 8th year, plus 11 public holidays (a holiday on a Sunday moves to Monday). Lunar holidays are shown for the years the Ministry of Manpower has published.":"Zaposleni, ki jih pokriva Employment Act, dobijo v prvem letu 7 dni plačanega letnega dopusta, vsako leto dan več do 14 dni od 8. leta, plus 11 državnih praznikov (praznik v nedeljo se prestavi na ponedeljek). Lunarni prazniki so prikazani za leta, ki jih je objavilo Ministrstvo za delo.","16 weeks (citizen child)":"16 tednov (otrok državljan)","Full pay, government-paid up to $10,000 per 4 weeks":"Polna plača, država plača do 10.000 $ na 4 tedne","Full pay, government-paid up to $2,500 a week":"Polna plača, država plača do 2.500 $ na teden","10 weeks to share for children born from 1 April 2026":"10 tednov za delitev za otroke, rojene od 1. aprila 2026","14 days outpatient and 60 days in hospital a year (after 6 months of service)":"14 dni ambulantno in 60 dni v bolnišnici na leto (po 6 mesecih dela)","Retrenched or dismissed":"Presežni delavec ali odpoved","Notice and retrenchment":"Odpovedni rok in presežni delavci","Unless the contract sets otherwise, notice is 1 day under 26 weeks of service, 1 week up to 2 years, 2 weeks up to 5 years and 4 weeks after. The law sets no retrenchment benefit; under the tripartite guidelines employees with at least 2 years of service usually receive 2 weeks to 1 month of pay per year of service.":"Če pogodba ne določa drugače, je odpovedni rok 1 dan pod 26 tedni dela, 1 teden do 2 let, 2 tedna do 5 let in 4 tedne po tem. Zakon ne določa odpravnine za presežne delavce; po tripartitnih smernicah zaposleni z najmanj 2 letoma delovne dobe običajno dobijo med 2 tednoma in 1 mesecem plače na leto delovne dobe.","Jobseeker support":"Pomoč iskalcem zaposlitve","There is no unemployment insurance. Since April 2025 the SkillsFuture Jobseeker Support scheme pays involuntarily unemployed citizens and permanent residents who earned up to $5,000 a month up to $6,000 over 6 months, linked to job search and training activities.":"Zavarovanja za brezposelnost ni. Od aprila 2025 SkillsFuture Jobseeker Support državljanom in stalnim rezidentom, ki so nehote izgubili delo in zaslužili do 5.000 $ na mesec, izplača do 6.000 $ v 6 mesecih, vezano na iskanje zaposlitve in usposabljanje.","Topping up your own CPF Retirement Account in cash gives up to $8,000 of tax relief a year and raises your CPF LIFE payouts.":"Gotovinska dopolnitev lastnega CPF Retirement Account prinese davčni odbitek do 8.000 $ na leto in poveča tvoja izplačila CPF LIFE.","The Baby Bonus, the Child Development Account and other family grants are not included. The qualifying child relief of $4,000 per child is applied to the parent claiming it.":"Baby Bonus, Child Development Account in druge družinske pomoči niso vključeni. Odbitek 4.000 $ na otroka pripada staršu, ki ga uveljavlja.","Customary 2 weeks–1 month per year (not statutory)":"Običajno 2 tedna–1 mesec na leto (ne po zakonu)","Up to $6,000 over 6 months":"Do 6.000 $ v 6 mesecih","16 weeks at full pay":"16 tednov s polno plačo","4 weeks at full pay":"4 tedne s polno plačo","10 weeks shared (from April 2026)":"10 tednov razdeljeno (od aprila 2026)","14 days outpatient at 100%":"14 dni ambulantno po 100%","Annual CPF and resident income tax for one employee with the 2026 CPF rates and the YA 2027 tax rates, with the CPF, earned income and child reliefs only. Income tax rebates announced in a Budget, other reliefs, non-resident rates, bonuses above the annual wage ceiling and the CPF rates for the first two years of permanent residence are not modelled.":"Letni CPF in dohodnina rezidentov za zaposlenega po stopnjah CPF za leto 2026 in davčnih stopnjah YA 2027, le z odbitki za CPF, dohodek iz dela in otroke. Ni izračunano: davčni popusti, napovedani v proračunu, drugi odbitki, stopnje za nerezidente, bonusi nad letno mejo in stopnje CPF v prvih dveh letih stalnega prebivanja.","Official sources: Inland Revenue Authority of Singapore (resident tax rates, reliefs, SRS), CPF Board (contribution rates and wage ceilings 2026, retirement sums and CPF LIFE payout estimates), Ministry of Manpower (Employment Act, public holidays 2026, retirement and re-employment ages, leave schemes), Workforce Singapore (SkillsFuture Jobseeker Support), Monetary Authority of Singapore (loan-to-value and TDSR rules), Singapore Department of Statistics (inflation, life expectancy), World Bank ICP (price levels).":"Uradni viri: Inland Revenue Authority of Singapore (stopnje za rezidente, odbitki, SRS), CPF Board (stopnje prispevkov in zgornje meje plač 2026, retirement sums in ocene CPF LIFE), Ministrstvo za delo (Employment Act, državni prazniki 2026, upokojitvena starost in starost za ponovno zaposlitev, dopusti), Workforce Singapore (SkillsFuture Jobseeker Support), Monetary Authority of Singapore (pravila LTV in TDSR), Statistični urad Singapurja (inflacija, pričakovana življenjska doba), Svetovna banka ICP (ravni cen).","Resident income tax on $80,000 of chargeable income":"Dohodnina rezidentov pri 80.000 $ obdavčljivega dohodka","Resident income tax on $320,000 of chargeable income":"Dohodnina rezidentov pri 320.000 $ obdavčljivega dohodka","Maximum monthly employee CPF (age 55 and below)":"Najvišji mesečni CPF zaposlenega (55 let in manj)","Employer CPF rate, age above 55 to 60":"Stopnja CPF delodajalca, nad 55 do 60 let","CPF LIFE payout with the Full Retirement Sum (per month)":"Izplačilo CPF LIFE s Full Retirement Sum (na mesec)","SRS contribution cap for citizens and permanent residents":"Zgornja meja vplačil SRS za državljane in stalne rezidente","Notice after 3 years of service (weeks)":"Odpovedni rok po 3 letih dela (tedni)","Retirement fund {p} (tax-deductible)":"Pokojninski sklad {p} (odbitno)","Unemployment Insurance Fund (UIF) 1%":"Sklad zavarovanja za brezposelnost (UIF) 1%","Income tax (PAYE) after the rebate":"Dohodnina (PAYE) po olajšavi","Tax rebate (age {a})":"Davčna olajšava (starost {a})","Employer UIF 1%, Skills Development Levy 1% and retirement fund (same as yours)":"UIF delodajalca 1%, Skills Development Levy 1% in pokojninski sklad (enako kot tvoj)","Retirement fund annuity {a} a month from savings of about {b} (your and your employer’s contributions of {p} each, 3% real return){g}. South Africa has no contributory state pension; the Older Person’s Grant is means-tested.":"Renta iz pokojninskega sklada {a} na mesec iz prihrankov približno {b} (tvoji prispevki in prispevki delodajalca po {p}, realni donos 3%){g}. Južna Afrika nima prispevne državne pokojnine; Older Person’s Grant je odvisen od premoženja.",", plus the Older Person’s Grant of {o}":", plus Older Person’s Grant {o}","No UIF for the self-employed":"Brez UIF za samozaposlene","Severance pay (1 week per completed year of service; first R550,000 tax-free)":"Odpravnina (1 teden za vsako polno leto delovne dobe; prvih 550.000 R neobdavčenih)","UIF benefit of about {a} a day ({p} of your daily pay) for {n} days (1 day for every 4 days worked, at most 365; after 238 days the rate drops to 20%)":"Nadomestilo UIF približno {a} na dan ({p} dnevne plače) za {n} dni (1 dan za vsake 4 delovne dni, največ 365; po 238 dneh stopnja pade na 20%)","Basic Conditions of Employment Act s. 37":"Basic Conditions of Employment Act čl. 37","South Africa":"Južna Afrika","Retirement fund contribution % (pension or provident fund)":"Prispevek v pokojninski sklad % (pension ali provident fund)","Include the Older Person’s Grant (means-tested)":"Vključi Older Person’s Grant (odvisno od premoženja)","Taxable income is taxed at 18% up to R245,100, rising through 26%, 31%, 36%, 39% and 41% to 45% above R1,878,600; the brackets and rebates were raised for inflation in the 2026 Budget. Everyone gets a primary rebate of R17,820 (more from 65 and 75), so income up to R99,000 is tax-free. Retirement fund contributions are deductible up to 27.5% of income, at most R350,000 a year.":"Obdavčljivi dohodek se obdavči z 18% do 245.100 R, narašča prek 26%, 31%, 36%, 39% in 41% do 45% nad 1.878.600 R; razredi in olajšave so bili v proračunu 2026 indeksirani z inflacijo. Vsak ima osnovno olajšavo 17.820 R (več od 65. in 75. leta), zato je dohodek do 99.000 R neobdavčen. Prispevki v pokojninske sklade so odbitni do 27,5% dohodka, največ 350.000 R na leto.","UIF and levies":"UIF in dajatve","Employees and employers each pay 1% to the Unemployment Insurance Fund on pay up to R17,712 a month; employers also pay the 1% Skills Development Levy. There is no state pension contribution: many employers run a pension or provident fund (often 7.5% each), which is assumed here.":"Zaposleni in delodajalci plačajo vsak 1% v Sklad zavarovanja za brezposelnost od plač do 17.712 R na mesec; delodajalci plačajo še Skills Development Levy 1%. Prispevka za državno pokojnino ni: številni delodajalci imajo pension ali provident fund (pogosto po 7,5%), kar se tukaj predpostavlja.","Basic Conditions of Employment Act":"Basic Conditions of Employment Act","For employees earning below the BCEA earnings threshold, overtime is paid at 1.5 times the normal wage and limited to 10 hours a week (normal hours at most 45 a week). Work on a Sunday is paid double (1.5 times if you normally work Sundays) and work on a public holiday double.":"Za zaposlene pod pragom zaslužka BCEA se nadure plačajo 1,5-kratnik običajne plače in so omejene na 10 ur na teden (običajni delovni čas največ 45 ur). Nedeljsko delo se plača dvojno (1,5-krat, če običajno delaš ob nedeljah), delo na praznik pa dvojno.","10 h / week (45-hour normal week)":"10 h / teden (običajni 45-urni teden)","Sole proprietors pay income tax on their profit (through provisional tax twice a year) with the same rates and rebates, and do not contribute to UIF. A small business with turnover up to R1 million can choose turnover tax instead (not modelled). VAT registration is required above R2.3 million of taxable supplies.":"Samostojni podjetniki plačajo dohodnino od dobička (prek začasnega davka dvakrat na leto) po enakih stopnjah in olajšavah in ne plačujejo UIF. Malo podjetje s prometom do 1 milijon R lahko namesto tega izbere davek na promet (ni izračunano). Registracija za DDV je obvezna nad 2,3 milijona R obdavčljivih dobav.","Retirement funds":"Pokojninski skladi","Retirement income comes mainly from employer pension and provident funds and retirement annuities. Since the two-pot system (September 2024) a third of new contributions goes to a savings pot that can be withdrawn early and two thirds to a retirement pot that must buy an annuity at retirement (usually 55 to 65).":"Pokojninski dohodek prihaja predvsem iz pension in provident skladov delodajalcev in pokojninskih rent. Od sistema dveh hranilnikov (september 2024) gre tretjina novih prispevkov v varčevalni hranilnik, ki ga je mogoče dvigniti prej, dve tretjini pa v pokojninski hranilnik, ki mora ob upokojitvi (običajno med 55. in 65. letom) kupiti rento.","Older Person’s Grant":"Older Person’s Grant","From 60, SASSA pays a means-tested grant of up to R2,400 a month (R2,420 from 75) from April 2026 to people whose income and assets are below set limits.":"Od 60. leta SASSA od aprila 2026 plačuje od premoženja odvisno pomoč do 2.400 R na mesec (2.420 R od 75. leta) osebam, katerih dohodki in premoženje so pod določenimi mejami.","Retirement annuity and fund contributions are deductible up to 27.5% of income, at most R350,000 a year ({l} for you), including your employer’s contributions. A tax-free savings account gives no deduction but tax-free growth.":"Prispevki v pokojninske rente in sklade so odbitni do 27,5% dohodka, največ 350.000 R na leto ({l} zate), vključno s prispevki delodajalca. Neobdavčeni varčevalni račun ne prinaša odbitka, rast pa je neobdavčena.","Retirement annuity (RA): contributions are deductible and growth is tax-free; at retirement up to a third of the retirement pot can be taken in cash and the rest buys a taxable annuity (about 20% tax used here). Interest above the yearly exemption is taxed at your marginal rate.":"Pokojninska renta (RA): prispevki so odbitni, rast neobdavčena; ob upokojitvi lahko do tretjine pokojninskega hranilnika vzameš v gotovini, preostanek pa kupi obdavčljivo rento (tukaj približno 20% davka). Obresti nad letno oprostitvijo se obdavčijo po tvoji mejni stopnji.","Human Rights Day":"Dan človekovih pravic","Workers’ Day":"Dan delavcev","Youth Day":"Dan mladih","National Women’s Day":"Nacionalni dan žensk","Day of Reconciliation":"Dan sprave","Day of Goodwill":"Dan dobre volje","{h} (observed)":"{h} (prestavljeno)","The BCEA gives 21 consecutive days of annual leave a year (15 working days on a 5-day week), plus 12 public holidays; a holiday on a Sunday moves to Monday. Sick leave is 30 days over each 3-year cycle and family responsibility leave 3 days a year.":"BCEA daje 21 zaporednih dni letnega dopusta na leto (15 delovnih dni pri 5-dnevnem tednu), plus 12 državnih praznikov; praznik v nedeljo se prestavi na ponedeljek. Bolniški dopust je 30 dni v vsakem 3-letnem ciklu, dopust za družinske obveznosti pa 3 dni na leto.","4 consecutive months":"4 zaporedni meseci","Unpaid by the employer; UIF pays up to 66% of pay (sliding scale)":"Delodajalec ne plača; UIF plača do 66% plače (padajoča lestvica)","10 consecutive days for the other parent (the rules are being changed after a 2025 court ruling)":"10 zaporednih dni za drugega starša (pravila se spreminjajo po sodni odločbi iz leta 2025)","UIF benefit (sliding scale)":"Nadomestilo UIF (padajoča lestvica)","Child Support Grant":"Child Support Grant","Monthly per child, from SASSA":"Mesečno za vsakega otroka, od SASSA","Means-tested, not included here":"Odvisno od premoženja, tukaj ni vključeno","30 days in each 3-year cycle (5-day week)":"30 dni v vsakem 3-letnem ciklu (5-dnevni teden)","Retrenched (operational requirements)":"Odpoved iz poslovnih razlogov","Dismissed for misconduct or incapacity":"Odpoved zaradi kršitve ali nesposobnosti","Notice is 1 week in the first 6 months, 2 weeks up to 1 year and 4 weeks after (it can be paid instead of worked). An employee dismissed for operational requirements (retrenchment) is owed severance pay of at least 1 week’s pay for each completed year of service. The first R550,000 of severance benefits over your lifetime is tax-free.":"Odpovedni rok je 1 teden v prvih 6 mesecih, 2 tedna do 1 leta in 4 tedne po tem (lahko se izplača namesto dela). Zaposleni, odpuščen iz poslovnih razlogov, ima pravico do odpravnine najmanj 1 tedna plače za vsako polno leto delovne dobe. Prvih 550.000 R odpravnin v življenju je neobdavčenih.","UIF benefits":"Nadomestila UIF","Contributors who lose their job (not by resigning) get 38% to 60% of their daily pay, on pay up to R17,712 a month, with 1 day of benefit for every 4 days worked, at most 365 days in 4 years; after 238 days the rate drops to 20%.":"Zavarovanci, ki izgubijo delo (ne z lastno odpovedjo), prejmejo med 38% in 60% dnevne plače, od plač do 17.712 R na mesec, z 1 dnem nadomestila za vsake 4 delovne dni, največ 365 dni v 4 letih; po 238 dneh stopnja pade na 20%.","Retirement annuity contributions lower your tax at your marginal rate, up to 27.5% of your income.":"Prispevki v pokojninsko rento ti znižajo davek za tvojo mejno stopnjo, do 27,5% dohodka.","The Child Support Grant is means-tested and not included. Medical scheme tax credits are not modelled. Each person is taxed individually.":"Child Support Grant je odvisen od premoženja in ni vključen. Davčni dobropisi za zdravstveno zavarovanje niso izračunani. Vsaka oseba se obdavči ločeno.","1 week per year of service":"1 teden na leto delovne dobe","4 months, UIF up to 66%":"4 mesece, UIF do 66%","10 days (UIF)":"10 dni (UIF)","Being reformed after a 2025 ruling":"V reformi po odločbi iz leta 2025","30 days per 3 years at 100%":"30 dni v 3 letih po 100%","Annual PAYE, UIF and an assumed retirement fund contribution for one employee with the 2026–27 SARS tables and rebates. Medical scheme fees and credits, travel allowances, the turnover tax and the two-pot savings withdrawals are not modelled.":"Letni PAYE, UIF in predpostavljeni prispevek v pokojninski sklad za zaposlenega po tabelah in olajšavah SARS za leto 2026–27. Ni izračunano: prispevki in dobropisi za zdravstveno zavarovanje, potni dodatki, davek na promet in dvigi iz varčevalnega hranilnika.","Official sources: South African Revenue Service (rates of tax for individuals 2027, rebates, transfer duty, retirement lump-sum tables), Department of Employment and Labour (Basic Conditions of Employment Act, Unemployment Insurance Act and UIF), SASSA (grant amounts April 2026), National Treasury (Budget 2026), Statistics South Africa (inflation), World Bank ICP (price levels), UN World Population Prospects (life expectancy).":"Uradni viri: South African Revenue Service (davčne stopnje za fizične osebe 2027, olajšave, davek na prenos, tabele za pokojninske enkratne zneske), Ministrstvo za zaposlovanje in delo (Basic Conditions of Employment Act, Unemployment Insurance Act in UIF), SASSA (zneski od aprila 2026), National Treasury (proračun 2026), Statistics South Africa (inflacija), Svetovna banka ICP (ravni cen), ZN World Population Prospects (pričakovana življenjska doba).","Tax before rebates on R400,000 of taxable income":"Davek pred olajšavami za 400.000 R obdavčljivega dohodka","Tax threshold below 65 (no tax up to)":"Davčni prag pod 65 leti (neobdavčeno do)","Maximum monthly employee UIF contribution":"Najvišji mesečni prispevek UIF zaposlenega","UIF benefit rate at the earnings ceiling":"Stopnja nadomestila UIF pri zgornji meji zaslužka","Tax on a R700,000 severance benefit":"Davek na odpravnino 700.000 R","CNSS social benefits 4.48% (pay up to MAD 6,000 a month)":"CNSS socialne dajatve 4,48% (plača do 6.000 MAD na mesec)","Loss-of-job allowance (IPE) 0.19%":"Nadomestilo za izgubo zaposlitve (IPE) 0,19%","Compulsory health insurance (AMO) 2.26%":"Obvezno zdravstveno zavarovanje (AMO) 2,26%","Income tax (IR) after professional expenses and family charges":"Dohodnina (IR) po poklicnih stroških in družinskih obveznostih","Professional expenses deducted (35% or 25%, at most MAD 35,000)":"Odšteti poklicni stroški (35% ali 25%, največ 35.000 MAD)","Employer CNSS 8.98%, IPE 0.38%, AMO 4.11%, family allowances 6.4% and vocational training 1.6%":"CNSS delodajalca 8,98%, IPE 0,38%, AMO 4,11%, družinski dodatki 6,4% in poklicno usposabljanje 1,6%","CNSS old-age pension {g} a month: {p} of your average pay over the last 8 years, counted up to MAD 6,000 a month ({d} contribution days; 3,240 days give 50%, each extra 216 days add 1%, up to 70%). Pay above MAD 6,000 is not insured; many employers add a supplementary pension (CIMR). Estimate.":"Starostna pokojnina CNSS {g} na mesec: {p} tvoje povprečne plače v zadnjih 8 letih, upoštevane do 6.000 MAD na mesec ({d} dni prispevkov; 3.240 dni da 50%, vsakih 216 dni več doda 1%, do 70%). Plača nad 6.000 MAD ni zavarovana; številni delodajalci dodajo dodatno pokojnino (CIMR). Ocena.","Health insurance for the self-employed (AMO-TNS) not included":"Zdravstveno zavarovanje za samozaposlene (AMO-TNS) ni vključeno","8 days":"8 dni","Dismissal indemnity (Labour Code art. 53; tax-free within the legal limits)":"Odpravnina (Zakonik o delu čl. 53; neobdavčena v zakonskih mejah)","Loss-of-job allowance (IPE) of {a} a month for 6 months: 70% of your average pay, at most the minimum wage (MAD 3,422.72); it needs 780 contribution days in the last 3 years":"Nadomestilo za izgubo zaposlitve (IPE) {a} na mesec 6 mesecev: 70% tvoje povprečne plače, največ minimalna plača (3.422,72 MAD); potrebnih je 780 dni prispevkov v zadnjih 3 letih","{h} hours of pay per year":"{h} ur plače na leto","Decree 2-04-469 (employees and workers; managers 1 to 3 months)":"Odlok 2-04-469 (uslužbenci in delavci; vodilni 1–3 mesece)","Eid al-Fitr (estimate)":"Ramazanski bajram (ocena)","Eid al-Fitr, 2nd day (estimate)":"Ramazanski bajram, 2. dan (ocena)","Eid al-Adha (estimate)":"Kurban bajram (ocena)","Eid al-Adha, 2nd day (estimate)":"Kurban bajram, 2. dan (ocena)","Islamic New Year (estimate)":"Islamsko novo leto (ocena)","Prophet’s Birthday (estimate)":"Prerokov rojstni dan (ocena)","Prophet’s Birthday, 2nd day (estimate)":"Prerokov rojstni dan, 2. dan (ocena)","Morocco":"Maroko","Spouse without income (family charge)":"Zakonec brez dohodka (družinska obveznost)","Income tax (IR) 2026":"Dohodnina (IR) 2026","After CNSS and AMO contributions and professional expenses (35% of gross pay up to MAD 78,000 a year, otherwise 25%, at most MAD 35,000), income is taxed at 0% up to MAD 40,000, then 10%, 20%, 30%, 34% and 37% above MAD 180,000 (the 2025 Finance Act scale). Each dependant (spouse and children, up to 6) reduces the tax by MAD 500 a year.":"Po prispevkih CNSS in AMO ter poklicnih stroških (35% bruto plače do 78.000 MAD na leto, sicer 25%, največ 35.000 MAD) se dohodek obdavči z 0% do 40.000 MAD, nato z 10%, 20%, 30%, 34% in 37% nad 180.000 MAD (lestvica Zakona o financah 2025). Vsak vzdrževani družinski član (zakonec in otroci, največ 6) zmanjša davek za 500 MAD na leto.","CNSS and AMO":"CNSS in AMO","Employees pay 4.48% for social benefits (pensions, sickness, maternity) and 0.19% for the loss-of-job allowance on pay up to MAD 6,000 a month, and 2.26% for compulsory health insurance (AMO) on all pay. Employers pay 8.98% and 0.38% up to the ceiling, 4.11% AMO, 6.4% family allowances and 1.6% vocational training tax. The minimum wage is MAD 17.92 an hour from January 2026.":"Zaposleni plačajo 4,48% za socialne dajatve (pokojnine, bolezen, materinstvo) in 0,19% za nadomestilo za izgubo zaposlitve od plač do 6.000 MAD na mesec, plus 2,26% za obvezno zdravstveno zavarovanje (AMO) od celotne plače. Delodajalci plačajo 8,98% in 0,38% do zgornje meje, 4,11% AMO, 6,4% družinskih dodatkov in 1,6% prispevka za poklicno usposabljanje. Minimalna plača je od januarja 2026 17,92 MAD na uro.","Overtime is paid 25% extra between 6:00 and 21:00 and 50% extra at night, rising to 50% and 100% on the weekly rest day. The normal week is 44 hours (2,288 hours a year) and overtime is limited by decree, generally to 100 hours a year.":"Nadure se plačajo 25% več med 6:00 in 21:00 in 50% več ponoči, na dan tedenskega počitka pa 50% oziroma 100%. Običajni teden ima 44 ur (2.288 ur na leto), nadure pa so omejene z odlokom, praviloma na 100 ur na leto.","About 100 h / year":"Približno 100 h / leto","Auto-entrepreneur":"Auto-entrepreneur","Under the auto-entrepreneur status, service providers pay 1% of turnover (0.5% for trade and crafts) instead of income tax, up to MAD 200,000 of turnover for services; above that, profit is taxed with the ordinary scale. Health insurance for the self-employed (AMO-TNS) is extra.":"S statusom auto-entrepreneur ponudniki storitev plačajo 1% prometa (0,5% za trgovino in obrt) namesto dohodnine, do prometa 200.000 MAD za storitve; nad tem se dobiček obdavči po običajni lestvici. Doda se zdravstveno zavarovanje za samozaposlene (AMO-TNS).","CNSS old-age pension":"Starostna pokojnina CNSS","Private-sector employees can retire at 60 with at least 3,240 days of contributions. The pension is 50% of the average monthly pay of the last 96 months (counted up to MAD 6,000), plus 1% for each 216 additional days, up to 70%. Workers with fewer days get their contributions back. A pension reform is under discussion.":"Zaposleni v zasebnem sektorju se lahko upokojijo pri 60 letih z najmanj 3.240 dnevi prispevkov. Pokojnina je 50% povprečne mesečne plače v zadnjih 96 mesecih (upoštevane do 6.000 MAD), plus 1% za vsakih dodatnih 216 dni, do 70%. Tisti z manj dnevi dobijo vrnjene prispevke. Pokojninska reforma je v razpravi.","Contributions to a retirement savings contract lasting at least 8 years and paid out from age 50 are deductible up to 50% of your net taxable pay ({l} for you).":"Vplačila v pogodbo o pokojninskem varčevanju za najmanj 8 let, izplačljivo od 50. leta, so odbitna do 50% tvoje neto obdavčljive plače ({l} zate).","Retirement savings contracts (contrats d’épargne retraite) and the supplementary CIMR pension: contributions are deductible and the benefits are taxed with an abatement (about 10% used here). Interest on savings is taxed at 20% at source.":"Pogodbe o pokojninskem varčevanju (contrats d’épargne retraite) in dodatna pokojnina CIMR: vplačila so odbitna, dajatve se obdavčijo z olajšavo (tukaj približno 10%). Obresti na prihranke se obdavčijo z 20% davčnim odtegljajem.","Proclamation of Independence":"Razglasitev neodvisnosti","Amazigh New Year":"Amazigško novo leto","Throne Day":"Dan prestola","Oued Ed-Dahab Day":"Dan Oued Ed-Dahab","Revolution of the King and the People":"Revolucija kralja in ljudstva","Green March":"Zeleni pohod","Paid annual leave is 1.5 working days per month of service (18 working days a year counting Saturdays), plus 1.5 days for every 5 years of service, up to 30 days. There are 10 civil public holidays and 7 religious holiday days whose dates follow the lunar calendar (estimates are shown).":"Plačani letni dopust je 1,5 delovnega dne na mesec delovne dobe (18 delovnih dni na leto vključno s sobotami), plus 1,5 dneva za vsakih 5 let delovne dobe, do 30 dni. Obstaja 10 civilnih praznikov in 7 dni verskih praznikov, katerih datumi sledijo luninemu koledarju (prikazane so ocene).","14 weeks":"14 tednov","100% of average pay up to the CNSS ceiling (MAD 6,000 a month)":"100% povprečne plače do zgornje meje CNSS (6.000 MAD na mesec)","3 days":"3 dni","Paid by the employer":"Plača delodajalec","Family support":"Družinska podpora","Direct social aid per child since December 2023":"Neposredna socialna pomoč na otroka od decembra 2023","From the 4th day, up to 52 weeks in 2 years":"Od 4. dne, do 52 tednov v 2 letih","2/3 of average pay up to the CNSS ceiling":"2/3 povprečne plače do zgornje meje CNSS","Dismissed (not for serious misconduct)":"Odpoved (ne zaradi hude kršitve)","Notice and indemnity":"Odpovedni rok in odpravnina","After 6 months of service an employee dismissed for reasons other than serious misconduct is owed an indemnity of 96 hours of pay per year for the first 5 years, 144 hours for years 6–10, 192 hours for years 11–15 and 240 hours beyond. Notice for employees and workers is 8 days under 1 year, 1 month up to 5 years and 2 months after (managers 1 to 3 months). An abusive dismissal adds damages of 1.5 months’ pay per year, up to 36 months (not modelled).":"Po 6 mesecih dela ima zaposleni, odpuščen iz razloga, ki ni huda kršitev, pravico do odpravnine 96 ur plače na leto za prvih 5 let, 144 ur za 6.–10. leto, 192 ur za 11.–15. leto in 240 ur po tem. Odpovedni rok za uslužbence in delavce je 8 dni pod 1 letom, 1 mesec do 5 let in 2 meseca po tem (vodilni 1–3 mesece). Nezakonita odpoved doda odškodnino 1,5 mesečne plače na leto, največ 36 mesecev (ni izračunano).","Loss-of-job allowance (IPE)":"Nadomestilo za izgubo zaposlitve (IPE)","The CNSS pays 70% of the average pay of the last 36 months, at most the minimum wage, for 6 months to employees who lose their job involuntarily and have 780 contribution days in the last 36 months, including 260 in the last 12.":"CNSS 6 mesecev plačuje 70% povprečne plače v zadnjih 36 mesecih, največ minimalno plačo, zaposlenim, ki nehote izgubijo delo in imajo 780 dni prispevkov v zadnjih 36 mesecih, od tega 260 v zadnjih 12.","Pay above MAD 6,000 a month earns no CNSS pension: a supplementary pension (CIMR) or retirement savings contract fills the gap and is tax-deductible.":"Plača nad 6.000 MAD na mesec ne prinaša pokojnine CNSS: dodatna pokojnina (CIMR) ali pogodba o pokojninskem varčevanju pokrije razliko in je odbitna.","Family allowances were replaced by direct social aid in December 2023 and are not included. Dependants reduce income tax by MAD 500 a year each.":"Družinske dodatke je decembra 2023 nadomestila neposredna socialna pomoč in niso vključeni. Vsak vzdrževani družinski član zmanjša dohodnino za 500 MAD na leto.","96–240 hours of pay per year of service":"96–240 ur plače na leto delovne dobe","14 weeks at 100% (ceiling)":"14 tednov po 100% (zgornja meja)","2/3 from day 4 (CNSS)":"2/3 od 4. dne (CNSS)","Estimate. Annual CNSS, AMO and income tax for one private-sector employee with the 2026 rules and the standard professional-expenses deduction. The supplementary pension (CIMR), mutual insurance, housing-loan interest relief, bonuses taxed separately and the CNSS minimum pension are not modelled; the religious holiday dates are estimates.":"Ocena. Letni prispevki CNSS in AMO in dohodnina za zaposlenega v zasebnem sektorju po pravilih za leto 2026 in s standardnim odbitkom poklicnih stroškov. Ni izračunano: dodatna pokojnina (CIMR), vzajemna zavarovanja, odbitek obresti stanovanjskega posojila, ločeno obdavčeni bonusi in minimalna pokojnina CNSS; datumi verskih praznikov so ocene.","Official sources: General Tax Directorate DGI (General Tax Code: income tax scale, professional expenses, family charges, as amended by the 2025 Finance Act), National Social Security Fund CNSS (contribution rates and ceiling, old-age pension, loss-of-job allowance), Labour Code (notice, indemnity, leave, overtime) and decree 2.25.983 (minimum wage 2026), Bank Al-Maghrib (exchange rate), High Commission for Planning HCP (inflation), World Bank ICP (price levels), UN World Population Prospects (life expectancy).":"Uradni viri: Generalni direktorat za davke DGI (Splošni davčni zakonik: lestvica IR, poklicni stroški, družinske obveznosti, spremenjen z Zakonom o financah 2025), Nacionalni sklad za socialno varnost CNSS (stopnje in zgornja meja, starostna pokojnina, nadomestilo za izgubo zaposlitve), Zakonik o delu (odpovedni rok, odpravnina, dopusti, nadure) in odlok 2.25.983 (minimalna plača 2026), Bank Al-Maghrib (menjalni tečaj), Visoki komisariat za načrtovanje HCP (inflacija), Svetovna banka ICP (ravni cen), ZN World Population Prospects (pričakovana življenjska doba).","Income tax on MAD 120,000 of net taxable income (no dependants)":"IR za 120.000 MAD neto obdavčljivega dohodka (brez vzdrževanih članov)","Professional expenses on MAD 120,000 gross a year":"Poklicni stroški pri 120.000 MAD bruto na leto","Maximum monthly employee CNSS social benefits contribution":"Najvišji mesečni prispevek CNSS zaposlenega za socialne dajatve","Dismissal indemnity after 8 years (hours of pay)":"Odpravnina po 8 letih (ure plače)","Minimum wage per month (191 hours)":"Mesečna minimalna plača (191 ur)","CNSS pension rate with 5,400 contribution days":"Stopnja pokojnine CNSS s 5.400 dnevi prispevkov","Your SRS":"Tvoj SRS","Your retirement annuity":"Tvoja pokojninska renta","Africa":"Afrika","Buyer’s stamp duty (1% to 6%; no additional duty for a citizen’s first home)":"Kolkovina kupca (1% do 6%; brez dodatne dajatve za prvi dom državljana)","Conveyancing, valuation and mortgage stamp duty (estimate)":"Prenos, cenitev in kolkovina na hipoteko (ocena)","Transfer duty (0% up to R1,210,000, then 3% to 13%)":"Davek na prenos (0% do 1.210.000 R, nato 3% do 13%)","Conveyancer, deeds office and bond registration (estimate, about 2%)":"Notar, zemljiška knjiga in vpis hipoteke (ocena, približno 2%)","Registration duty 4%":"Pristojba za vpis 4%","Land registry fee 1.5% and mortgage registration 0.5% of the loan":"Zemljiškoknjižna pristojba 1,5% in vpis hipoteke 0,5% posojila","Notary fees incl. VAT (estimate, about 1.2%)":"Notarska nagrada z DDV (ocena, približno 1,2%)","Not modelled: interest on a loan for your main home is deductible up to 10% of taxable income.":"Ni izračunano: obresti na posojilo za glavno prebivališče so odbitne do 10% obdavčljivega dohodka.","Monetary Authority of Singapore: bank loans for a first home at most 75% of the value (lower for long tenures, older borrowers and further loans) and total debt payments at most 55% of gross monthly income (TDSR); HDB flats and executive condominiums also have a 30% mortgage servicing ratio.":"Monetary Authority of Singapore: bančna posojila za prvi dom največ 75% vrednosti (manj za dolge roke, starejše posojilojemalce in nadaljnja posojila) in skupna odplačila dolgov največ 55% bruto mesečnega dohodka (TDSR); za stanovanja HDB in executive condominiums velja še omejitev 30%.","No loan-to-value limits: banks can lend up to 100% of the value after the affordability assessment required by the National Credit Act.":"Brez omejitev razmerja posojilo/vrednost: banke lahko posodijo do 100% vrednosti po oceni zmožnosti odplačevanja, ki jo zahteva National Credit Act.","No binding borrower limits. Banks usually lend up to 70–100% of the value (with the state FOGARIM guarantee for modest incomes) and keep the monthly payment below about 40% of income.":"Brez obveznih omejitev. Banke običajno posodijo 70–100% vrednosti (z državnim jamstvom FOGARIM za skromne dohodke) in mesečni obrok ohranjajo pod približno 40% dohodka.","Public holidays on weekdays in 2026 (with days in lieu)":"Državni prazniki na delovne dni v letu 2026 (z nadomestnimi dnevi)","Annual leave in the first year (days)":"Letni dopust v prvem letu (dnevi)","Civil public holidays on weekdays in 2026":"Civilni prazniki na delovne dni v letu 2026","Buyer’s stamp duty on a $1,000,000 home":"Kolkovina kupca za dom za 1.000.000 $","Transfer duty on a R2,000,000 home":"Davek na prenos za dom za 2.000.000 R","Registration duty on a MAD 1,000,000 home":"Pristojba za vpis za dom za 1.000.000 MAD","CPF LIFE is estimated from the CPF Board’s published payouts for the retirement sums, assuming 70% of contributions reach the Ordinary and Special accounts at 3% and nothing is used for housing; your CPF statement and the CPF LIFE estimator give your own figure.":"CPF LIFE je ocenjen iz izplačil, ki jih CPF objavlja za retirement sums, ob predpostavki, da gre 70% prispevkov na račune Ordinary in Special po 3% in da se nič ne porabi za stanovanje; tvoj izpisek CPF in kalkulator CPF LIFE dajo tvoj lastni znesek.","The retirement fund is projected with a 3% real return and converted into a level annuity; actual annuity rates, fees and the two-pot savings withdrawals change the result.":"Pokojninski sklad je projiciran z realnim donosom 3% in pretvorjen v stalno rento; dejanske stopnje rent, provizije in dvigi iz varčevalnega hranilnika spremenijo rezultat.","Estimate: the CNSS pension uses your recent pay up to MAD 6,000 a month and 26 contribution days a month; your CNSS statement gives your actual days.":"Ocena: pokojnina CNSS uporablja tvojo nedavno plačo do 6.000 MAD na mesec in 26 dni prispevkov na mesec; tvoj izpisek CNSS prikazuje dejanske dni.","MPF mandatory contribution 5% (relevant income up to $30,000 a month)":"Obvezni prispevek v MPF 5 % (dohodek do 30.000 $ na mesec)","Salaries tax at the standard rate (15%)":"Salaries Tax po standardni stopnji (15 %)","Salaries tax (progressive rates)":"Salaries Tax (progresivne stopnje)","Basic and child allowances":"Osnovna olajšava in olajšava za otroke","Employer MPF contribution 5%":"Prispevek delodajalca v MPF 5 %","MPF savings of about {b} at {a}, drawn down evenly over your life expectancy: {m} a month (3% real return assumed). MPF benefits are paid from 65, or from 60 on early retirement, and are not taxed. The Old Age Allowance of $1,675 a month is added from 70; there is no other state pension.":"Stanje v MPF približno {b} pri {a} letih, enakomerno porabljeno v tvoji pričakovani življenjski dobi: {m} na mesec (ob predpostavki 3 % realnega donosa). Izplačila iz MPF se začnejo pri 65 letih ali pri 60 ob predčasni upokojitvi in so neobdavčena. Od 70. leta se doda Old Age Allowance v višini 1.675 $ na mesec; druge državne pokojnine ni.","MPF contribution for the self-employed 5% (relevant income $7,100–$30,000 a month)":"Prispevek samozaposlenih v MPF 5 % (dohodek 7.100–30.000 $ na mesec)","Severance payment (2/3 of a month’s wages, capped at $22,500, per year of service; not taxed)":"Odpravnina zaradi presežnih delavcev (2/3 mesečne plače, največ 22.500 $, za vsako leto zaposlitve; neobdavčena)","Long service payment (2/3 of a month’s wages, capped at $22,500, per year of service; not taxed)":"Long Service Payment (2/3 mesečne plače, največ 22.500 $, za vsako leto zaposlitve; neobdavčen)","Severance payment if made redundant":"Odpravnina zaradi presežnih delavcev","Severance or long service payment":"Odpravnina ali Long Service Payment","As agreed in the contract, at least 7 days (1 month if not stated)":"Po pogodbi, najmanj 7 dni (1 mesec, če ni nič dogovorjeno)","Employment Ordinance s. 6":"Employment Ordinance čl. 6","Hong Kong has no unemployment insurance. The means-tested Comprehensive Social Security Assistance (CSSA) can help people with low income and savings.":"Hongkong nima zavarovanja za brezposelnost. Comprehensive Social Security Assistance (CSSA), odvisna od premoženjskega stanja, pomaga ljudem z nizkimi dohodki in malo prihranki.","The first day of January":"Novo leto","Lunar New Year’s Day":"Kitajsko novo leto","The second day of Lunar New Year":"Drugi dan kitajskega novega leta","The third day of Lunar New Year":"Tretji dan kitajskega novega leta","Ching Ming Festival":"Praznik Čingming","The Birthday of the Buddha":"Budov rojstni dan","Tuen Ng Festival":"Praznik Tuen Ng","HKSAR Establishment Day":"Dan ustanovitve POU Hongkong","The day following the Mid-Autumn Festival":"Dan po prazniku sredine jeseni","Chung Yeung Festival":"Praznik Chung Yeung","Christmas Day (or Winter Solstice)":"Božič (ali zimski solsticij)","The first weekday after Christmas Day":"Prvi delovni dan po božiču","Hong Kong":"Hongkong","Salaries tax":"Salaries Tax","Salaries tax for 2026/27 is the lower of two calculations: progressive rates of 2%, 6%, 10% and 14% on four bands of $50,000 of net chargeable income and 17% above, or the standard rate of 15% on net income without allowances (16% above $5 million). The basic allowance is $145,000 and each child adds $140,000. Tax is assessed once a year on income from April to March; it is not withheld from pay.":"Salaries Tax za 2026/27 je nižji od dveh izračunov: progresivne stopnje 2 %, 6 %, 10 % in 14 % na štiri razrede po 50.000 $ neto obdavčljivega dohodka in 17 % nad tem ali standardna stopnja 15 % na neto dohodek brez olajšav (16 % nad 5 mio. $). Osnovna olajšava znaša 145.000 $, vsak otrok pa doda 140.000 $. Davek se odmeri enkrat letno za dohodek od aprila do marca in se ne odteguje od plače.","Employees and employers each pay 5% of relevant income into a Mandatory Provident Fund scheme, on income up to $30,000 a month (at most $1,500 each). Employees earning less than $7,100 a month pay nothing, but their employer still pays 5%. Your mandatory contributions are deductible up to $18,000 a year.":"Delavec in delodajalec plačata vsak po 5 % dohodka v shemo Mandatory Provident Fund, od dohodka do 30.000 $ na mesec (vsak največ 1.500 $). Če zaslužiš manj kot 7.100 $ na mesec, ne plačaš nič, delodajalec pa še vedno plača 5 %. Tvoje obvezne prispevke lahko odšteješ do 18.000 $ na leto.","No statutory overtime pay":"Ni zakonsko določenega plačila za nadure","The Employment Ordinance sets no overtime premium and no general limit on working hours; overtime pay depends on your contract. Enter the premium your contract gives.":"Employment Ordinance ne določa dodatka za nadure niti splošnega najdaljšega delovnega časa; plačilo nadur je odvisno od tvoje pogodbe. Vnesi dodatek iz svoje pogodbe.","No general legal limit":"Ni splošne zakonske omejitve","Unincorporated businesses pay profits tax (7.5% on the first $2 million of profits, 15% above) or, under personal assessment, tax at the salaries tax rates with the personal allowances, which is usually lower for modest profits and is used here. Self-employed people pay 5% of relevant income into MPF.":"Samostojni podjetniki plačujejo Profits Tax (7,5 % od prvih 2 mio. $ dobička, 15 % nad tem) ali z izbiro Personal Assessment davek po stopnjah Salaries Taxa z osebnimi olajšavami, kar se pri zmernem dobičku običajno bolj splača in se uporablja tukaj. Samozaposleni plačujejo 5 % dohodka v MPF.","Your MPF account holds the mandatory contributions (yours and your employer’s, 10% of relevant income) and their returns. You can withdraw it at 65, or at 60 on early retirement, as a lump sum or in instalments, tax-free. MPF offsetting of severance and long service payments ended on 1 May 2025 for service after that date.":"Tvoj račun v MPF vsebuje obvezne prispevke (tvoje in delodajalčeve, 10 % dohodka) in njihov donos. Dvigneš ga lahko pri 65 letih ali pri 60 ob predčasni upokojitvi, v enkratnem znesku ali po delih, brez davka. Pobotanje odpravnin in Long Service Payments z MPF se je za poznejšo delovno dobo končalo 1. maja 2025.","Old age allowances":"Podpore v starosti","There is no contributory state pension. From 70 residents can get the Old Age Allowance of $1,675 a month without a means test; the means-tested Old Age Living Allowance pays $4,345 a month from 65 (rates from 1 February 2026).":"Prispevne državne pokojnine ni. Od 70. leta lahko prebivalci prejemajo Old Age Allowance v višini 1.675 $ na mesec brez preverjanja premoženjskega stanja; Old Age Living Allowance, odvisna od premoženjskega stanja, izplačuje 4.345 $ na mesec od 65. leta (zneski od 1. februarja 2026).","Tax-deductible voluntary contributions (TVC) to an MPF account and qualifying deferred annuity premiums are deductible up to $60,000 a year together. TVC can only be withdrawn at 65 (or 60 on early retirement), like mandatory contributions, and MPF benefits are not taxed.":"Prostovoljni prispevki z davčno olajšavo (TVC) na račun MPF in premije priznanih odloženih rent so skupaj odbitni do 60.000 $ na leto. Tako kot obvezne prispevke lahko tudi TVC dvigneš šele pri 65 letih (ali 60 ob predčasni upokojitvi), izplačila iz MPF pa so neobdavčena.","Tax-deductible voluntary contributions (TVC): deductible up to $60,000 a year (together with deferred annuity premiums); withdrawals from 65 are not taxed. Interest on bank deposits is not taxed in Hong Kong.":"Prostovoljni prispevki z davčno olajšavo (TVC): odbitni do 60.000 $ na leto (skupaj s premijami odloženih rent); izplačila od 65. leta so neobdavčena. Obresti od bančnih vlog v Hongkongu niso obdavčene.","{h} (day off in lieu)":"{h} (nadomestni prost dan)","After 12 months of service employees get 7 days of paid annual leave, rising by 1 day a year to 14 days after 9 years, plus the statutory holidays (15 in 2026, with Easter Monday added). A statutory holiday on a rest day is replaced by the next day. Lunar holidays are shown for the years the Labour Department has published.":"Po 12 mesecih zaposlitve imajo delavci 7 dni plačanega dopusta, vsako leto 1 dan več do 14 dni po 9 letih, poleg tega pa zakonske praznike (15 v letu 2026, z novim velikonočnim ponedeljkom). Če zakonski praznik pade na dan počitka, ga nadomesti naslednji dan. Prazniki po luninem koledarju so prikazani za leta, ki jih je objavil Labour Department.","4/5 of average daily wages (weeks 11–14 capped at $80,000)":"4/5 povprečne dnevne plače (tedni 11–14 največ 80.000 $)","4/5 of average daily wages":"4/5 povprečne dnevne plače","Sickness allowance":"Nadomestilo za bolezen","Up to 120 paid sickness days built up over time (2 days a month in the first year, 4 after)":"Do 120 plačanih dni bolniške, ki se nabirajo (prvo leto 2 dni na mesec, nato 4)","Made redundant":"Presežni delavec","Severance and long service payments":"Odpravnina in Long Service Payment","Employees made redundant after at least 24 months of service get a severance payment; those dismissed for other reasons (not serious misconduct) after at least 5 years get a long service payment instead. Both are 2/3 of the last full month’s wages, with wages capped at $22,500, for each year of service, up to $390,000. They are not taxed. Notice is as agreed but at least 7 days, or 1 month if the contract says nothing.":"Delavcu, ki mu po najmanj 24 mesecih zaposlitve odpovedo kot presežnemu delavcu, pripada odpravnina; delavcu, ki mu iz drugega razloga (ne zaradi hujše kršitve) odpovedo po najmanj 5 letih, namesto tega pripada Long Service Payment. Oboje znaša 2/3 zadnje polne mesečne plače, ob plači največ 22.500 $, za vsako leto zaposlitve, do 390.000 $. Sta neobdavčena. Odpovedni rok je dogovorjeni, najmanj 7 dni, ali 1 mesec, če pogodba ne določa ničesar.","Tax-deductible voluntary MPF contributions (TVC) and qualifying deferred annuity premiums lower your salaries tax: up to $60,000 a year can be deducted.":"Prostovoljni prispevki v MPF z davčno olajšavo (TVC) in premije priznanih odloženih rent znižajo tvoj Salaries Tax: odšteješ lahko do 60.000 $ na leto.","Married couples can choose joint assessment (married person’s allowance $290,000); it is not modelled here. The child allowance of $140,000 per child goes to the parent claiming it ($280,000 in the first two years for children born from 1 April 2025).":"Zakonca lahko izbereta skupno obdavčitev (olajšava za zakonce 290.000 $); tukaj se ne izračuna. Olajšava 140.000 $ za otroka pripada staršu, ki jo uveljavlja (280.000 $ prvi dve leti za otroke, rojene od 1. aprila 2025).","Severance payment (redundancy, after 2 years)":"Odpravnina (presežni delavec, po 2 letih)","1 month (if not agreed)":"1 mesec (če ni dogovorjeno)","No unemployment insurance":"Ni zavarovanja za brezposelnost","14 weeks at 4/5 pay":"14 tednov po 4/5 plače","5 days at 4/5 pay":"5 dni po 4/5 plače","4/5 pay from accumulated days":"4/5 plače iz nabranih dni","Annual MPF and salaries tax for one employee for the year of assessment 2026/27, with the basic and child allowances only. Married person’s and dependant allowances, other deductions (home loan interest, rent, insurance), the one-off reduction for 2025/26 and the timing of provisional tax are not modelled.":"Letni prispevek v MPF in Salaries Tax delavca v davčnem letu 2026/27, samo z osnovno olajšavo in olajšavo za otroke. Olajšave za zakonce in vzdrževane osebe, drugi odbitki (obresti stanovanjskega kredita, najemnina, zavarovanja), enkratno znižanje za 2025/26 in roki predhodnega davka se ne izračunajo.","Official sources: Inland Revenue Department (salaries tax rates, allowances 2026/27 and worked examples, stamp duty rates from 26 February 2026), Mandatory Provident Fund Schemes Authority (contribution limits), Labour Department (Employment Ordinance, statutory holidays 2026, maternity and paternity leave, severance and long service payments), Social Welfare Department (Old Age Allowance and Old Age Living Allowance from 1 February 2026), Hong Kong Monetary Authority (loan-to-value and debt-servicing limits), Census and Statistics Department (inflation, life expectancy), World Bank ICP (price levels).":"Uradni viri: Inland Revenue Department (stopnje Salaries Taxa, olajšave 2026/27 in primeri izračuna, stopnje kolkovine od 26. februarja 2026), Mandatory Provident Fund Schemes Authority (meje prispevkov), Labour Department (Employment Ordinance, zakonski prazniki 2026, porodniški in očetovski dopust, odpravnine), Social Welfare Department (Old Age Allowance in Old Age Living Allowance od 1. februarja 2026), Hong Kong Monetary Authority (meje kreditiranja in odplačevanja dolga), Census and Statistics Department (inflacija, pričakovana življenjska doba), Svetovna banka ICP (ravni cen).","Salaries tax 2026/27, single person with $380,000 of income":"Salaries Tax 2026/27, samska oseba z dohodkom 380.000 $","Tax at the two-tiered standard rates on $5,090,000 of net income":"Davek po dvorazrednih standardnih stopnjah od neto dohodka 5.090.000 $","Single parent with one child: tax on $440,000 of net income (allowances $145,000 + $145,000 + $140,000)":"Samohranilec z enim otrokom: davek od neto dohodka 440.000 $ (olajšave 145.000 $ + 145.000 $ + 140.000 $)","Maximum yearly MPF mandatory contribution of an employee":"Najvišji letni obvezni prispevek delavca v MPF","Employee MPF at $7,000 a month (below the minimum relevant income)":"MPF delavca pri 7.000 $ na mesec (pod minimalnim dohodkom)","Deduction cap for TVC and deferred annuity premiums":"Meja odbitka za TVC in premije odloženih rent","Severance payment after 10 years at $30,000 a month":"Odpravnina po 10 letih pri 30.000 $ na mesec","National pension 4.75%":"Državna pokojnina 4,75 %","Health insurance 3.595%":"Zdravstveno zavarovanje 3,595 %","Long-term care insurance (13.14% of the health premium)":"Zavarovanje za dolgotrajno oskrbo (13,14 % zdravstvenega prispevka)","Employment insurance 0.9%":"Zavarovanje za zaposlitev 0,9 %","Local income tax (10% of income tax)":"Lokalna dohodnina (10 % dohodnine)","Earned income deduction":"Odbitek od dohodka iz dela","Employer social insurance (industrial accident insurance not included)":"Prispevki delodajalca (brez nezgodnega zavarovanja)","National pension estimate: 43% of the average of your pay ({b}) and the average pay of all insured people ({a}) for 40 years, in proportion to your {y} years. Years before 2026 used higher rates for older periods, so your National Pension Service statement may show more. The means-tested basic pension (up to 349,700 won a month in 2026) is not included.":"Ocena državne pokojnine: 43 % povprečja tvoje plače ({b}) in povprečne plače vseh zavarovancev ({a}) za 40 let, sorazmerno tvojim {y} letom. Obdobja pred letom 2026 so imela višje stopnje, zato lahko izpis National Pension Service pokaže več. Osnovna pokojnina, odvisna od premoženjskega stanja (do 349.700 vonov na mesec v letu 2026), ni vključena.","Regional national pension 9.5% and health insurance (estimate)":"Regionalna državna pokojnina 9,5 % in zdravstveno zavarovanje (ocena)","Severance pay (30 days’ average wages per year of service; after retirement income tax)":"Odpravnina ob odhodu (30 dni povprečne plače za vsako leto zaposlitve; po davku na dohodek iz odpravnine)","Job-seeking benefit: {d} a day for {n} days (60% of your average daily wage, between 66,048 and 68,100 won), if you were insured for at least 180 days in the last 18 months and lost your job involuntarily":"Nadomestilo za brezposelnost: {d} na dan {n} dni (60 % tvoje povprečne dnevne plače, med 66.048 in 68.100 voni), če imaš v zadnjih 18 mesecih najmanj 180 dni zavarovanja in delo izgubiš brez svoje volje","Insured period":"Zavarovalna doba","Under 50":"Pod 50","50 and over":"50 ali več","30 days (or 30 days’ wages instead)":"30 dni (ali namesto tega 30 dnevnih plač)","Labor Standards Act art. 26 (dismissal by the employer)":"Labor Standards Act čl. 26 (odpoved delodajalca)","Seollal (Lunar New Year)":"Seollal (lunino novo leto)","Independence Movement Day":"Dan gibanja za neodvisnost","Children’s Day and Buddha’s Birthday":"Dan otrok in Budov rojstni dan","Presidential election day":"Dan predsedniških volitev","Hangul Day":"Dan hangula","Buddha’s Birthday":"Budov rojstni dan","Local election day":"Dan lokalnih volitev","South Korea":"Južna Koreja","Income tax uses rates from 6% to 45% on taxable income, plus local income tax of 10% of the tax. Before the rates, the earned income deduction (up to 20 million won), 1.5 million won for you and each dependant, and your social insurance contributions are deducted; the earned income tax credit and the child tax credit then reduce the tax. Employers withhold tax every month and settle it in the year-end tax settlement.":"Dohodnina ima stopnje od 6 % do 45 % od obdavčljivega dohodka, poleg tega pa lokalni davek v višini 10 % davka. Pred stopnjami se odštejejo odbitek od dohodka iz dela (do 20 mio. vonov), 1,5 mio. vonov zate in za vsako vzdrževano osebo ter tvoji socialni prispevki; nato davek znižata davčni dobropis za dohodek iz dela in dobropis za otroke. Delodajalec davek odteguje vsak mesec in ga poračuna ob koncu leta.","In 2026 you pay 4.75% for the national pension (on pay up to 6.37 million won a month, 6.59 million from July), 3.595% for health insurance, 13.14% of that for long-term care and 0.9% for employment insurance. Your employer pays the same plus about 0.25% for job training and the industrial accident insurance for its sector. The pension rate rises by 0.5 points a year until 13% in 2033.":"V letu 2026 plačaš 4,75 % za državno pokojnino (od plače do 6,37 mio. vonov na mesec, od julija 6,59 mio.), 3,595 % za zdravstveno zavarovanje, 13,14 % tega za dolgotrajno oskrbo in 0,9 % za zavarovanje za zaposlitev. Delodajalec plača enako in še približno 0,25 % za usposabljanje ter nezgodno zavarovanje svoje panoge. Pokojninski prispevek vsako leto naraste za 0,5 odstotne točke do 13 % leta 2033.","Labor Standards Act art. 56":"Labor Standards Act čl. 56","At workplaces with 5 or more employees, overtime, night work (22:00–06:00) and holiday work are paid at least 50% extra (100% for holiday work beyond 8 hours). The working week is 40 hours plus at most 12 hours of overtime.":"V podjetjih s 5 ali več zaposlenimi se nadure, nočno delo (22–6) in delo na praznike plačajo z dodatkom najmanj 50 % (100 % za delo na praznik nad 8 ur). Delovni teden ima 40 ur in največ 12 nadur.","12 h / week":"12 ur / teden","Self-employed people file a comprehensive income tax return in May on their business profit (same rates plus 10% local tax) and pay the regional national pension (9.5% of income) and regional health insurance, which is based on income and property points and is only estimated here.":"Samozaposleni maja oddajo napoved dohodnine za svoj dobiček (iste stopnje in 10 % lokalnega davka) ter plačujejo regionalno državno pokojnino (9,5 % dohodka) in regionalno zdravstveno zavarovanje, ki se izračuna po točkah za dohodek in premoženje in je tukaj samo ocenjeno.","After at least 10 years of contributions you get an old-age pension from 65 if you were born in 1969 or later. From 2026 each year of contributions earns a pension of about 1.075% of the average of your own pay and the average pay of all insured people (43% for 40 years). You can claim up to 5 years early with 6% less per year, or defer up to 5 years with 7.2% more per year.":"Po najmanj 10 letih prispevkov prejemaš starostno pokojnino od 65. leta, če je tvoje leto rojstva 1969 ali poznejše. Od leta 2026 vsako leto prispevkov da pokojnino v višini približno 1,075 % povprečja tvoje plače in povprečne plače vseh zavarovancev (43 % za 40 let). Prejemati jo lahko začneš do 5 let prej s 6 % manj na leto ali jo odložiš do 5 let s 7,2 % več na leto.","Basic pension":"Osnovna pokojnina","People aged 65 and over in the lower 70% of income and assets can get the basic pension, up to 349,700 won a month for a single person in 2026, reduced for higher national pensions.":"Osebe od 65. leta v spodnjih 70 % po dohodku in premoženju lahko prejemajo osnovno pokojnino, do 349.700 vonov na mesec za samsko osebo v letu 2026, znižano ob višji državni pokojnini.","Pension savings accounts and IRP contributions give a tax credit of 15% (12% if your total salary is above 55 million won), plus 10% local tax, on up to 9 million won a year (6 million in pension savings). Pensions drawn from 55 are taxed at 3.3–5.5%.":"Vplačila na račune pokojninskega varčevanja in IRP dajo davčni dobropis 15 % (12 %, če tvoja skupna plača presega 55 mio. vonov) in 10 % lokalnega davka od največ 9 mio. vonov na leto (6 mio. pri pokojninskem varčevanju). Pokojnine od 55. leta so obdavčene s 3,3–5,5 %.","Individual retirement pension (IRP) and pension savings: a tax credit instead of a deduction, and 3.3–5.5% tax on pensions drawn from 55 (5.5% used here). Interest income is taxed at 15.4%.":"Individualni pokojninski račun (IRP) in pokojninsko varčevanje: davčni dobropis namesto odbitka in 3,3–5,5 % davka na pokojnine od 55. leta (tukaj 5,5 %). Obresti so obdavčene s 15,4 %.","Employees who worked at least 80% of the year get 15 days of paid annual leave, plus 1 day for every 2 further years of service from the 3rd year, up to 25 days. In the first year you earn 1 day for each full month worked (up to 11). Lunar holidays and substitute holidays are shown for the years already published.":"Ob delu v najmanj 80 % leta pripada 15 dni plačanega dopusta, od 3. leta 1 dan več za vsaki 2 dodatni leti zaposlitve, do 25 dni. V prvem letu pripada 1 dan za vsak poln mesec dela (do 11). Lunini in nadomestni prazniki so prikazani za že objavljena leta.","90 days (120 for twins or more)":"90 dni (120 pri večplodnem porodu)","Full pay; the employment insurance covers part (up to 2.1 million won a month)":"Polna plača; zavarovanje za zaposlitev krije del (do 2,1 mio. vonov na mesec)","Up to 1 year per parent (1.5 years if both take at least 3 months), until the child is 8":"Do 1 leta na starša (1,5 leta, če oba izrabita najmanj 3 mesece), dokler otrok ne dopolni 8 let","Employment insurance: 100% up to 2.5 million won (months 1–3), then up to 2 million and 1.6 million":"Zavarovanje za zaposlitev: 100 % do 2,5 mio. vonov (meseci 1–3), nato do 2 mio. in 1,6 mio.","No legal paid sick leave (only by contract or rules of employment)":"Ni zakonske plačane bolniške (samo po pogodbi ali pravilniku o delu)","Dismissed or made redundant":"Odpoved ali presežni delavec","After at least 1 year of service every employee receives severance pay of 30 days’ average wages per year, whatever the reason for leaving, including resignation; many employers pay it through a retirement pension plan. It is taxed as retirement income with its own deductions, so the tax is low. A dismissal needs a justifiable reason and 30 days’ notice or 30 days’ wages.":"Po najmanj 1 letu zaposlitve vsak delavec prejme odpravnino ob odhodu v višini 30 dni povprečne plače za vsako leto, ne glede na razlog odhoda, tudi ob lastni odpovedi; veliko delodajalcev jo izplača prek podjetniškega pokojninskega načrta. Obdavči se kot dohodek iz odpravnine z lastnimi odbitki, zato je davek nizek. Odpoved zahteva utemeljen razlog in 30 dni odpovednega roka ali 30 dnevnih plač.","Job-seeking benefit":"Nadomestilo za brezposelnost","If you lose your job involuntarily after at least 180 insured days in the last 18 months, the employment insurance pays 60% of your average daily wage, between 66,048 and 68,100 won a day in 2026, for 120 to 270 days depending on your age and how long you were insured.":"Če delo izgubiš brez svoje volje po najmanj 180 dneh zavarovanja v zadnjih 18 mesecih, zavarovanje za zaposlitev izplačuje 60 % tvoje povprečne dnevne plače, v letu 2026 med 66.048 in 68.100 voni na dan, od 120 do 270 dni glede na starost in zavarovalno dobo.","Pension savings and IRP contributions give a tax credit of up to 16.5% (with local tax) on up to 9 million won a year.":"Vplačila v pokojninsko varčevanje in IRP dajo davčni dobropis do 16,5 % (z lokalnim davkom) od največ 9 mio. vonov na leto.","The child tax credit is applied to the parent claiming it for children aged 8 and over; the monthly child allowance for younger children (100,000 won) and the parent allowance are not included. Spouses are taxed separately.":"Dobropis za otroke pripada staršu, ki ga uveljavlja, za otroke od 8. leta; mesečni dodatek za mlajše otroke (100.000 vonov) in starševsko nadomestilo nista vključena. Zakonca sta obdavčena ločeno.","30 days’ pay per year (also on resignation)":"30 dnevnih plač na leto (tudi ob lastni odpovedi)","60% of pay, 120–270 days":"60 % plače, 120–270 dni","90 days at full pay":"90 dni s polno plačo","20 days at full pay":"20 dni s polno plačo","1 year per parent, paid by employment insurance":"1 leto na starša, plača zavarovanje za zaposlitev","No legal paid sick leave":"Ni zakonske plačane bolniške","Annual income tax and social insurance for one employee with the 2026 rates, with the earned income deduction, the personal deduction for you and your children, the deduction of your contributions, and the earned income and child tax credits. Non-taxable allowances (such as meals up to 200,000 won a month), card and housing deductions, other credits and the monthly withholding table are not modelled.":"Letna dohodnina in socialni prispevki delavca po stopnjah za leto 2026, z odbitkom od dohodka iz dela, osebnim odbitkom zate in tvoje otroke, odbitkom tvojih prispevkov ter davčnima dobropisoma za dohodek iz dela in za otroke. Neobdavčeni dodatki (npr. prehrana do 200.000 vonov na mesec), odbitki za kartice in stanovanje, drugi dobropisi in mesečna tabela odtegljajev se ne izračunajo.","Official sources: National Tax Service and Income Tax Act (rates, earned income deduction and tax credits, retirement income tax), National Pension Service (contribution rate and income limits 2026, A value), National Health Insurance Service (health and long-term care rates 2026), Ministry of Employment and Labor (Labor Standards Act, severance pay, job-seeking benefit limits 2026, maternity and parental leave), Ministry of Health and Welfare (basic pension 2026), Ministry of the Interior and Safety (public holidays), Financial Services Commission (LTV and DSR rules), Statistics Korea (inflation, life tables 2024), World Bank ICP (price levels).":"Uradni viri: National Tax Service in Income Tax Act (stopnje, odbitek in dobropisi za dohodek iz dela, davek na odpravnino), National Pension Service (stopnja prispevka in meje dohodka 2026, vrednost A), National Health Insurance Service (zdravstveno zavarovanje in zavarovanje za dolgotrajno oskrbo 2026), Ministry of Employment and Labor (Labor Standards Act, odpravnina, meje nadomestila za brezposelnost 2026, porodniški in starševski dopust), Ministry of Health and Welfare (osnovna pokojnina 2026), Ministry of the Interior and Safety (prazniki), Financial Services Commission (pravila LTV in DSR), Statistics Korea (inflacija, tablice umrljivosti 2024), Svetovna banka ICP (ravni cen).","Income tax on 50 million won of taxable income (before credits)":"Dohodnina od obdavčljivega dohodka 50 mio. vonov (pred dobropisi)","Earned income deduction on a total salary of 50 million won":"Odbitek od dohodka iz dela pri skupni plači 50 mio. vonov","Earned income tax credit limit at a total salary of 50 million won":"Meja davčnega dobropisa za dohodek iz dela pri skupni plači 50 mio. vonov","Maximum monthly employee national pension contribution from July 2026":"Najvišji mesečni pokojninski prispevek delavca od julija 2026","Long-term care premium as a share of the health premium (2026)":"Prispevek za dolgotrajno oskrbo kot delež zdravstvenega prispevka (2026)","Job-seeking benefit days after 10 years of insurance, age 40":"Dnevi nadomestila za brezposelnost po 10 letih zavarovanja, pri 40 letih","Maximum daily job-seeking benefit (2026)":"Najvišje dnevno nadomestilo za brezposelnost (2026)","EPF employee contribution 11%":"Prispevek delavca v EPF 11 %","SOCSO 0.5% (wages up to RM6,000 a month)":"SOCSO 0,5 % (plača do RM6.000 na mesec)","EIS 0.2% (wages up to RM6,000 a month)":"EIS 0,2 % (plača do RM6.000 na mesec)","Reliefs (self, EPF, SOCSO/EIS, children)":"Olajšave (osebna, EPF, SOCSO/EIS, otroci)","Employer EPF, SOCSO and EIS":"Prispevki delodajalca v EPF, SOCSO in EIS","EPF savings of about {b} at {a}, drawn down evenly over your life expectancy: {m} a month (3% real return assumed). You can withdraw your Retirement Account from 55 as a lump sum or in instalments; EPF withdrawals are not taxed. Private-sector workers get no state pension.":"Stanje v EPF približno {b} pri {a} letih, enakomerno porabljeno v tvoji pričakovani življenjski dobi: {m} na mesec (ob predpostavki 3 % realnega donosa). Pokojninski račun lahko dvigneš od 55. leta, v enkratnem znesku ali po delih; izplačila iz EPF so neobdavčena. Zaposleni v zasebnem sektorju ne prejemajo državne pokojnine.","SOCSO Self-Employment Social Security Scheme (about 1.25% of insured income)":"Socialno zavarovanje SOCSO za samozaposlene (približno 1,25 % zavarovanega dohodka)","8 weeks":"8 tednov","Termination benefit (10, 15 or 20 days’ wages per year of service; tax-free up to RM10,000 per completed year)":"Nadomestilo ob prenehanju (10, 15 ali 20 dnevnih plač za vsako leto zaposlitve; neobdavčeno do RM10.000 za polno leto)","EIS job search allowance: 80% of your insured monthly wage (up to RM6,000) in the first month, then 50%, 40%, 40%, 30% and 30%, for 3 to 6 months depending on your contributions, if you lost your job involuntarily and register on MYFutureJobs":"Nadomestilo EIS za iskalce zaposlitve: 80 % tvoje zavarovane mesečne plače (do RM6.000) prvi mesec, nato 50 %, 40 %, 40 %, 30 % in 30 %, od 3 do 6 mesecev glede na prispevke, če delo izgubiš brez svoje volje in se prijaviš na MYFutureJobs","Days’ wages per year":"dnevnih plač na leto","Employment Act 1955 s. 12 (unless the contract gives more)":"Employment Act 1955 čl. 12 (razen če pogodba daje več)","Federal Territory Day":"Dan zveznega ozemlja","Hari Raya Aidilfitri (2nd day)":"Hari Raya Aidilfitri (2. dan)","Wesak Day":"Dan Vesak","Agong’s Birthday":"Kraljev rojstni dan (Agong)","National Day (Merdeka)":"Državni praznik (Merdeka)","Malaysia Day":"Dan Malezije","Malaysia":"Malezija","Residents pay progressive rates from 0% on the first RM5,000 of chargeable income to 30% above RM2 million; incomes up to RM35,000 get a RM400 rebate. Reliefs are deducted first: RM9,000 for yourself, your EPF contributions up to RM4,000, SOCSO and EIS up to RM350 and RM2,000 for each child under 18. Employers deduct tax monthly (PCB) and you file a return for the year.":"Rezidenti plačujejo progresivne stopnje od 0 % na prvih RM5.000 obdavčljivega dohodka do 30 % nad RM2 mio.; dohodki do RM35.000 dobijo davčni popust RM400. Najprej se odštejejo olajšave: RM9.000 zate, tvoji prispevki v EPF do RM4.000, SOCSO in EIS do RM350 ter RM2.000 za vsakega otroka, mlajšega od 18 let. Delodajalec davek odteguje vsak mesec (PCB), ti pa oddaš letno napoved.","EPF, SOCSO and EIS":"EPF, SOCSO in EIS","Malaysians under 60 pay 11% of their wages into the Employees Provident Fund and employers 13% (12% on monthly wages above RM5,000). SOCSO (0.5% for you, 1.75% for the employer) and the Employment Insurance System (0.2% each) apply to wages up to RM6,000 a month. Foreign workers pay 2% EPF from October 2025.":"Malezijci, mlajši od 60 let, plačujejo 11 % plače v Employees Provident Fund, delodajalci pa 13 % (12 % pri plačah nad RM5.000 na mesec). SOCSO (0,5 % ti, 1,75 % delodajalec) in Employment Insurance System (vsak 0,2 %) veljata za plače do RM6.000 na mesec. Tuji delavci od oktobra 2025 plačujejo 2 % EPF.","Employment Act 1955 s. 60A":"Employment Act 1955 čl. 60A","Employees earning up to RM4,000 a month must be paid at least 1.5 times the hourly rate for overtime on normal days, 2 times on rest days and 3 times on public holidays. The normal week is at most 45 hours and overtime at most 104 hours a month. Higher earners follow their contract.":"Delavci, ki zaslužijo do RM4.000 na mesec, za nadure dobijo najmanj 1,5-kratnik urne postavke ob običajnih dneh, 2-kratnik ob dnevih počitka in 3-kratnik ob praznikih. Običajni teden ima največ 45 ur, nadure pa so omejene na 104 ure na mesec. Za bolje plačane velja njihova pogodba.","104 h / month":"104 ure / mesec","Self-employed people pay income tax on their business profit at the resident rates with the same personal reliefs and must join the SOCSO Self-Employment Social Security Scheme (fixed contributions by plan). EPF savings through i-Saraan are voluntary, with a government top-up.":"Samozaposleni plačujejo dohodnino od dobička po stopnjah za rezidente z enakimi osebnimi olajšavami in se morajo vključiti v socialno zavarovanje SOCSO za samozaposlene (fiksni prispevki glede na načrt). Varčevanje v EPF prek i-Saraan je prostovoljno, z državnim prispevkom.","Your EPF savings (11% from you and 12–13% from your employer) are split into a Retirement Account (75%), a Wellbeing Account (15%) and a Flexible Account (10%). You can withdraw the Retirement Account from 55, as a lump sum or monthly; EPF dividends and withdrawals are tax-free. The minimum retirement age is 60. Private-sector workers get no state pension.":"Tvoji prihranki v EPF (11 % od tebe in 12–13 % od delodajalca) se razdelijo na pokojninski račun (75 %), račun blaginje (15 %) in prožni račun (10 %). Pokojninski račun lahko dvigneš od 55. leta, v enkratnem znesku ali mesečno; dividende in izplačila iz EPF so neobdavčena. Najnižja starost za upokojitev je 60 let. Zaposleni v zasebnem sektorju ne prejemajo državne pokojnine.","Contributions to a Private Retirement Scheme (PRS) and deferred annuities give a relief of up to RM3,000 a year. Withdrawals from 55 are tax-free; earlier withdrawals are taxed at 8%.":"Vplačila v Private Retirement Scheme (PRS) in odložene rente dajo olajšavo do RM3.000 na leto. Izplačila od 55. leta so neobdavčena; prejšnja so obdavčena z 8 %.","Private Retirement Scheme (PRS): relief up to RM3,000 a year and tax-free withdrawals from 55. Interest from Malaysian banks is tax-free for individuals.":"Private Retirement Scheme (PRS): olajšava do RM3.000 na leto in neobdavčena izplačila od 55. leta. Obresti malezijskih bank so za fizične osebe neobdavčene.","{h} (replacement holiday)":"{h} (nadomestni praznik)","The Employment Act gives 8 days of paid annual leave for less than 2 years of service, 12 days for 2 to 5 years and 16 days after 5 years. Kuala Lumpur’s gazetted public holidays are shown (other states differ; employers must give at least 11 paid holidays, including 5 set by law); a holiday on a Sunday moves to Monday. Islamic and lunar dates are shown for the years published.":"Employment Act daje 8 dni plačanega dopusta pri manj kot 2 letih zaposlitve, 12 dni pri 2 do 5 letih in 16 dni po 5 letih. Prikazani so uradni prazniki Kuala Lumpurja (v drugih zveznih državah se razlikujejo; delodajalci morajo dati najmanj 11 plačanih praznikov, od tega 5 določenih z zakonom); praznik v nedeljo se prestavi na ponedeljek. Islamski datumi in datumi po luninem koledarju so prikazani za objavljena leta.","98 days":"98 dni","Full pay (after 90 days of service)":"Polna plača (po 90 dneh zaposlitve)","7 days (married fathers after 12 months of service)":"7 dni (poročenim očetom po 12 mesecih zaposlitve)","14 days a year (18 after 2 years, 22 after 5), plus up to 60 days in hospital":"14 dni na leto (18 po 2 letih, 22 po 5), in do 60 dni v bolnišnici","Retrenched or terminated (not for misconduct)":"Presežni delavec ali prenehanje (ne zaradi kršitve)","Termination benefits":"Nadomestila ob prenehanju","Employees covered by the termination provisions (wages up to RM4,000 a month) with at least 12 months of service get 10 days’ wages for each year under 2 years, 15 days for 2 to 5 years and 20 days from 5 years, pro rata for part years. Compensation for loss of employment is tax-free up to RM10,000 per completed year of service. Notice is 4, 6 or 8 weeks by service unless the contract gives more.":"Delavci, za katere veljajo pravila o prenehanju (plača do RM4.000 na mesec), z najmanj 12 meseci zaposlitve dobijo 10 dnevnih plač za vsako leto pri manj kot 2 letih zaposlitve, 15 dni pri 2 do 5 letih in 20 dni od 5 let, sorazmerno za nepolna leta. Nadomestilo za izgubo zaposlitve je neobdavčeno do RM10.000 za vsako polno leto zaposlitve. Odpovedni rok je 4, 6 ali 8 tednov glede na delovno dobo, razen če pogodba daje več.","If you lose your job involuntarily, the EIS pays a job search allowance of 80% of your insured monthly wage (up to RM6,000) in the first month, falling to 30% by the sixth, for 3 to 6 months depending on your contributions, while you look for work through MYFutureJobs.":"Če delo izgubiš brez svoje volje, EIS izplačuje nadomestilo za iskalce zaposlitve v višini 80 % tvoje zavarovane mesečne plače (do RM6.000) prvi mesec, ki do šestega meseca pade na 30 %, od 3 do 6 mesecev glede na prispevke, medtem ko iščeš delo prek MYFutureJobs.","Lifestyle purchases (books, devices, sports, internet) up to RM2,500, medical insurance and a Private Retirement Scheme (up to RM3,000) are among the reliefs that can lower your tax.":"Izdatki za življenjski slog (knjige, naprave, šport, internet) do RM2.500, zdravstveno zavarovanje in Private Retirement Scheme (do RM3.000) so med olajšavami, ki lahko znižajo tvoj davek.","Spouses are taxed separately; the RM4,000 relief for a spouse without income and the higher child reliefs for children in higher education or with disabilities are not included.":"Zakonca sta obdavčena ločeno; olajšava RM4.000 za zakonca brez dohodka in višje olajšave za otroke v visokošolskem izobraževanju ali z invalidnostjo niso vključene.","10–20 days’ wages per year (wages up to RM4,000)":"10–20 dnevnih plač na leto (plača do RM4.000)","80% falling to 30%, 3–6 months":"80 %, pade na 30 %, 3–6 mesecev","98 days at full pay":"98 dni s polno plačo","7 days at full pay":"7 dni s polno plačo","14–22 days at full pay":"14–22 dni s polno plačo","Annual EPF, SOCSO, EIS and resident income tax for one Malaysian employee for YA 2026, with the self, EPF, SOCSO/EIS and child reliefs only. Other reliefs (lifestyle, insurance, medical, education), the exact rounding of the EPF and SOCSO tables, monthly PCB timing, bonuses and the rates for foreign workers are not modelled.":"Letni prispevki v EPF, SOCSO in EIS ter dohodnina malezijskega delavca v davčnem letu 2026, samo z osebno olajšavo, EPF, SOCSO/EIS in olajšavo za otroke. Druge olajšave (življenjski slog, zavarovanja, zdravje, izobraževanje), natančno zaokroževanje tabel EPF in SOCSO, mesečni odtegljaj PCB, bonusi in stopnje za tujce se ne izračunajo.","Official sources: Inland Revenue Board of Malaysia (resident tax rates and reliefs YA 2026), Employees Provident Fund (contribution rates from October 2025, accounts and withdrawals), PERKESO/SOCSO (SOCSO and EIS rates and wage ceiling, job search allowance), Ministry of Human Resources (Employment Act 1955, termination benefits, leave, overtime), Prime Minister’s Department (public holidays 2026), Bank Negara Malaysia (housing loan rules), Department of Statistics Malaysia (inflation, life tables 2025), World Bank ICP (price levels).":"Uradni viri: Inland Revenue Board of Malaysia (stopnje in olajšave davčnega leta 2026), Employees Provident Fund (stopnje prispevkov od oktobra 2025, računi in izplačila), PERKESO/SOCSO (stopnje SOCSO in EIS, zgornja meja plače, nadomestilo za iskalce zaposlitve), Ministry of Human Resources (Employment Act 1955, nadomestila ob prenehanju, dopusti, nadure), Prime Minister’s Department (prazniki 2026), Bank Negara Malaysia (pravila stanovanjskih kreditov), Department of Statistics Malaysia (inflacija, tablice umrljivosti 2025), Svetovna banka ICP (ravni cen).","Resident income tax on RM100,000 of chargeable income":"Dohodnina rezidenta od obdavčljivega dohodka RM100.000","Resident income tax on RM50,000 of chargeable income":"Dohodnina rezidenta od obdavčljivega dohodka RM50.000","Tax on RM30,000 of chargeable income after the RM400 rebate":"Davek od obdavčljivega dohodka RM30.000 po popustu RM400","Employer EPF at RM6,000 a month (12% above RM5,000)":"EPF delodajalca pri RM6.000 na mesec (12 % nad RM5.000)","Maximum monthly employee SOCSO and EIS":"Najvišji mesečni prispevek delavca v SOCSO in EIS","Termination benefit after 6 years at RM3,000 a month":"Nadomestilo ob prenehanju po 6 letih pri RM3.000 na mesec","ONP pension contribution 13%":"Pokojninski prispevek ONP 13 %","AFP: 10% to your account, insurance 1.37% and commission (about 1.55%)":"AFP: 10 % na tvoj račun, zavarovanje 1,37 % in provizija (približno 1,55 %)","Income tax (fifth category)":"Dohodnina (peta kategorija)","Extraordinary bonus 9% on the July and December bonuses (paid to you)":"Izredni bonus 9 % na gratifikaciji za julij in december (izplačan tebi)","Deduction of 7 UIT":"Odbitek 7 UIT","EsSalud health insurance 9% (employer)":"Zdravstveno zavarovanje EsSalud 9 % (delodajalec)","CTS deposits a year (severance fund, not taxed; about one month’s pay)":"Vplačila CTS na leto (sklad za odhod, neobdavčen; približno ena mesečna plača)","ONP pension: 30% of your average pay of the last 5 years plus 2% for each year above 20, limited to S/ 600–1,000 a month in 2026: {p} a month.":"Pokojnina ONP: 30 % tvoje povprečne plače v zadnjih 5 letih in 2 % za vsako leto nad 20, v letu 2026 omejena na S/ 600–1.000 na mesec: {p} na mesec.","AFP account of about {b} at {a}, paid as a pension over your life expectancy: {m} a month (3% real return assumed). Since 2025 a minimum pension of S/ 600 applies to AFP members with 20 years of contributions.":"Račun AFP približno {b} pri {a} letih, izplačan kot renta v tvoji pričakovani življenjski dobi: {m} na mesec (ob predpostavki 3 % realnega donosa). Od leta 2025 za člane AFP z 20 leti prispevkov velja najnižja pokojnina S/ 600.","No compulsory contributions for independent workers (voluntary ONP or AFP)":"Ni obveznih prispevkov za samozaposlene (prostovoljno ONP ali AFP)","Compensation for arbitrary dismissal (1.5 months’ pay per year, at most 12; not taxed)":"Odškodnina za samovoljno odpoved (1,5 mesečne plače na leto, največ 12; neobdavčena)","{m} months’ pay":"{m} mesečnih plač","No notice: the employer needs a just cause (you give 30 days to resign)":"Ni roka: delodajalec potrebuje utemeljen razlog (ob lastni odpovedi daš 30 dni)","D.S. 003-97-TR art. 18 and 22":"D.S. 003-97-TR čl. 18 in 22","Peru has no unemployment insurance; your CTS deposits (about one month’s pay a year) serve as a severance fund.":"Peru nima zavarovanja za brezposelnost; tvoja vplačila CTS (približno ena mesečna plača na leto) služijo kot sklad za odhod.","Peru":"Peru","Pension system":"Pokojninski sistem","AFP (private account)":"AFP (zasebni račun)","ONP (national system)":"ONP (državni sistem)","Employment income (fifth category) is taxed after deducting 7 UIT (S/ 38,500 in 2026): 8% up to 5 UIT, 14% to 20 UIT, 17% to 35 UIT, 20% to 45 UIT and 30% above. Up to 3 more UIT can be deducted for rent, restaurants and some services paid by card (not included). Employers withhold the tax monthly.":"Dohodek iz dela (peta kategorija) se obdavči po odbitku 7 UIT (S/ 38.500 v letu 2026): 8 % do 5 UIT, 14 % do 20 UIT, 17 % do 35 UIT, 20 % do 45 UIT in 30 % nad tem. Še do 3 UIT je mogoče odšteti za najemnino, restavracije in nekatere storitve, plačane s kartico (ni vključeno). Delodajalec davek odteguje vsak mesec.","Bonuses and CTS":"Gratifikacije in CTS","Employees receive two bonuses (gratificaciones) of one month’s pay in July and December, plus an extra 9% of them because no EsSalud contribution is due on them. The employer also deposits the CTS, about one month’s pay a year, in a bank account in May and November; it is not taxed.":"Delavci julija in decembra prejmejo dve gratifikaciji v višini po ene mesečne plače, in še 9 %, ker se od njiju ne plača prispevek za EsSalud. Delodajalec maja in novembra na bančni račun nakaže tudi CTS, približno eno mesečno plačo na leto; ta je neobdavčen.","Pensions":"Pokojnine","You choose between the national system ONP (13% of pay) and a private AFP account (10% of pay plus an insurance premium of 1.37% and the AFP’s commission). The employer pays 9% for EsSalud health insurance.":"Izbiraš med državnim sistemom ONP (13 % plače) in zasebnim računom AFP (10 % plače ter zavarovalna premija 1,37 % in provizija AFP). Delodajalec plača 9 % za zdravstveno zavarovanje EsSalud.","D.S. 007-2002-TR":"D.S. 007-2002-TR","Overtime is paid at least 25% extra for the first two hours a day and 35% after that. The normal maximum is 8 hours a day or 48 hours a week; overtime is voluntary. Work on the weekly rest day or a public holiday without a day off in exchange is paid double.":"Nadure se plačajo z dodatkom najmanj 25 % za prvi dve uri na dan in 35 % pozneje. Običajni delovni čas je največ 8 ur na dan ali 48 na teden, nadure pa so prostovoljne. Delo na tedenski dan počitka ali na praznik brez nadomestnega počitka se plača dvojno.","Voluntary; 48 h / week normal":"Prostovoljne; običajno 48 ur / teden","Independent workers":"Samozaposleni","Fees (fourth category income) are taxed after deducting 20% (up to 24 UIT) and the 7 UIT, at the same rates as employment income; clients withhold 8% on receipts above S/ 1,500. Pension contributions are voluntary for independent workers.":"Honorarji (dohodek četrte kategorije) se obdavčijo po istih stopnjah kot dohodek iz dela po odbitku 20 % (do 24 UIT) in 7 UIT; stranke zadržijo 8 % pri računih nad S/ 1.500. Pokojninski prispevki so za samozaposlene prostovoljni.","ONP and AFP":"ONP in AFP","The ONP pays a pension from 65 after 20 years of contributions: 30% of your average pay of the last five years plus 2% for each further year, between S/ 600 and S/ 1,000 a month in 2026. AFP members receive a pension from their account (or can take most of it as a lump sum); since 2025 a minimum pension applies after 20 years.":"ONP izplačuje pokojnino od 65. leta po 20 letih prispevkov: 30 % tvoje povprečne plače v zadnjih petih letih in 2 % za vsako dodatno leto, v letu 2026 med S/ 600 in S/ 1.000 na mesec. Člani AFP prejemajo pokojnino s svojega računa (ali lahko večino dvignejo v enkratnem znesku); od leta 2025 po 20 letih velja najnižja pokojnina.","Voluntary contributions to an AFP account are not deductible from income tax, but their returns are tax-free.":"Prostovoljna vplačila na račun AFP niso odbitna od dohodnine, donos pa je neobdavčen.","Voluntary AFP contributions: no tax deduction, but returns and withdrawals are not taxed. Interest on deposits in Peruvian banks is exempt for individuals until the end of 2026.":"Prostovoljna vplačila v AFP: brez davčnega odbitka, vendar sta donos in izplačila neobdavčena. Obresti od vlog v perujskih bankah so za fizične osebe neobdavčene do konca leta 2026.","Holy Thursday":"Veliki četrtek","Battle of Arica and Flag Day":"Bitka pri Arici in dan zastave","Saints Peter and Paul":"Sveti Peter in Pavel","Peruvian Air Force Day":"Dan perujskega vojnega letalstva","Independence Day (2nd day)":"Dan neodvisnosti (2. dan)","Battle of Junín":"Bitka pri Junínu","Saint Rose of Lima":"Sveta Roza iz Lime","Battle of Angamos":"Bitka pri Angamosu","Battle of Ayacucho":"Bitka pri Ayacuchu","Employees who worked a full year get 30 calendar days of paid holiday (about 22 working days on a 5-day week); they can sell up to 15 of them back to the employer. There are 16 national public holidays; those on weekends are not moved.":"Po polnem letu dela pripada 30 koledarskih dni plačanega dopusta (približno 22 delovnih dni pri 5-dnevnem tednu); do 15 jih je mogoče prodati delodajalcu. Državnih praznikov je 16; če padejo na konec tedna, se ne prestavijo.","100% of pay (EsSalud subsidy)":"100 % plače (nadomestilo EsSalud)","10 calendar days":"10 koledarskih dni","The employer pays the first 20 days a year, then EsSalud":"Delodajalec plača prvih 20 dni v letu, nato EsSalud","Arbitrary dismissal":"Samovoljna odpoved","An employer may dismiss only for a just cause related to conduct or capacity. Without one, an employee on an open-ended contract receives 1.5 months’ pay for each full year of service (pro rata for months), at most 12 months’ pay, tax-free. You also keep your CTS fund and receive the unpaid part of the bonuses and holiday pay.":"Delodajalec lahko odpove samo iz utemeljenega razloga, povezanega z vedenjem ali sposobnostjo. Brez njega delavec za nedoločen čas prejme 1,5 mesečne plače za vsako polno leto zaposlitve (sorazmerno za mesece), največ 12 mesečnih plač, neobdavčeno. Obdržiš tudi svoj sklad CTS in prejmeš zapadli del gratifikacij in regresa.","Ask for an electronic receipt when you pay rent, restaurants or some professional services: 20% of these can be deducted, up to 3 UIT a year.":"Zahtevaj elektronski račun, ko plačuješ najemnino, restavracije ali nekatere storitve: 20 % je odbitnih, do 3 UIT na leto.","Spouses are taxed separately and there is no allowance for children; the family allowance (10% of the minimum wage for workers with children, paid by many employers) is not included.":"Zakonca sta obdavčena ločeno in olajšave za otroke ni; družinski dodatek (10 % minimalne plače za delavce z otroki, ki ga izplačuje veliko delodajalcev) ni vključen.","1.5 months’ pay per year, at most 12":"1,5 mesečne plače na leto, največ 12","None (just cause needed)":"Ni (potreben je utemeljen razlog)","No unemployment insurance (CTS fund)":"Ni zavarovanja za brezposelnost (sklad CTS)","100% (employer, then EsSalud)":"100 % (delodajalec, nato EsSalud)","Annual pension contributions and income tax for one employee with the 2026 rules (UIT S/ 5,500), with the two bonuses and their 9% extra. The additional 3 UIT deduction for expenses, AFP commissions by fund, the cap on the insurance premium, the family allowance and the CTS fund itself are not modelled.":"Letni pokojninski prispevki in dohodnina delavca po pravilih za leto 2026 (UIT S/ 5.500), z obema gratifikacijama in njunimi 9 % dodatno. Dodatni odbitek 3 UIT za izdatke, provizije posameznih AFP, zgornja meja zavarovalne premije, družinski dodatek in sam sklad CTS se ne izračunajo.","Official sources: SUNAT and Ley del Impuesto a la Renta (fifth and fourth category rates), Ministry of Economy and Finance (UIT 2026, D.S. 301-2025-EF), SBS (AFP contributions, insurance premium and commissions), ONP (minimum and maximum pensions 2026, Ley 32123), Ministry of Labour (gratificaciones, CTS, dismissal, working hours, holidays, leave), EsSalud (health insurance and maternity subsidy), Central Reserve Bank of Peru (exchange rate), INEI (inflation), World Bank ICP (price levels).":"Uradni viri: SUNAT in Ley del Impuesto a la Renta (stopnje pete in četrte kategorije), Ministrstvo za gospodarstvo in finance (UIT 2026, D.S. 301-2025-EF), SBS (prispevki AFP, zavarovalna premija in provizije), ONP (najnižja in najvišja pokojnina 2026, Ley 32123), Ministrstvo za delo (gratifikacije, CTS, odpoved, delovni čas, prazniki, dopust), EsSalud (zdravstveno zavarovanje in porodniško nadomestilo), Centralna banka Peruja (menjalni tečaj), INEI (inflacija), Svetovna banka ICP (ravni cen).","Income tax on S/ 100,000 of employment income (after 7 UIT)":"Dohodnina od S/ 100.000 dohodka iz dela (po 7 UIT)","Tax-free amount (7 UIT) in 2026":"Neobdavčeni znesek (7 UIT) v letu 2026","ONP contribution rate":"Stopnja prispevka ONP","Maximum ONP pension a month (2026)":"Najvišja mesečna pokojnina ONP (2026)","Compensation for arbitrary dismissal after 10 years (months of pay)":"Odškodnina za samovoljno odpoved po 10 letih (mesečne plače)","Pension contribution 15% (BPS and AFAP)":"Pokojninski prispevek 15 % (BPS in AFAP)","FONASA health insurance":"Zdravstveno zavarovanje FONASA","Labour Reconversion Fund 0.1%":"Sklad za poklicno prekvalifikacijo 0,1 %","IRPF income tax":"Davek IRPF","Employer contributions (pension 7.5%, FONASA 5%, FRL and FGCL)":"Prispevki delodajalca (pokojnina 7,5 %, FONASA 5 %, FRL in FGCL)","Estimate: {r} of your average pay of the last 20 years ({p} a month), paid 13 times a year. The actual pension combines the BPS benefit and the AFAP annuity under Ley 20.130, with a supplement for low pensions.":"Ocena: {r} tvoje povprečne plače v zadnjih 20 letih ({p} na mesec), izplačano 13-krat na leto. Dejanska pokojnina združuje dajatev BPS in rento AFAP po Ley 20.130, z dodatkom za nizke pokojnine.","Pension and FONASA contributions on a notional category (estimate)":"Pokojninski prispevki in FONASA od fiktivne kategorije (ocena)","Dismissal compensation (one month’s pay per year or part year, at most 6; not taxed)":"Odpravnina ob odpovedi (ena mesečna plača za vsako začeto leto, največ 6; neobdavčena)","Unemployment insurance for 6 months: 66% of your average pay in the first month, falling to 40% in the sixth, if you contributed for at least 6 months in the last 12":"Zavarovanje za brezposelnost 6 mesecev: 66 % tvoje povprečne plače prvi mesec, ki do šestega meseca pade na 40 %, če imaš v zadnjih 12 mesecih najmanj 6 mesecev prispevkov","No legal notice period":"Ni zakonskega odpovednega roka","Ley 10.489 (compensation instead of notice)":"Ley 10.489 (odškodnina namesto odpovednega roka)","Uruguay":"Urugvaj","Employment income is taxed monthly on a scale in BPC ($6,864 in 2026): nothing up to 7 BPC, then 10% to 36% above 115 BPC; income above 10 BPC is first increased by 6%. Your contributions, $11,440 a month for each child and other deductions reduce the tax at 14% (8% if you earn more than 15 BPC a month). An annual return can settle differences.":"Dohodek iz dela se obdavči vsak mesec po lestvici v BPC (6.864 $ v letu 2026): nič do 7 BPC, nato od 10 % do 36 % nad 115 BPC; dohodek nad 10 BPC se najprej poveča za 6 %. Tvoji prispevki, 11.440 $ na mesec na otroka in drugi odbitki znižajo davek po stopnji 14 % (8 %, če zaslužiš več kot 15 BPC na mesec). Letna napoved poravna razlike.","You pay 15% for your pension (to the BPS and, above the first band, to your AFAP account), 3–6% for FONASA health insurance (more with children or a spouse covered) and 0.1% to the labour fund. The employer pays 7.5% for pensions, 5% for FONASA and small funds. A 13th salary (aguinaldo) is paid in June and December.":"Plačaš 15 % za pokojnino (BPS in nad prvim razredom na svoj račun AFAP), 3–6 % za zdravstveno zavarovanje FONASA (več z zavarovanimi otroki ali partnerjem) in 0,1 % v sklad za delo. Delodajalec plača 7,5 % za pokojnino, 5 % za FONASA in manjše sklade. Trinajsta plača (aguinaldo) se izplača junija in decembra.","Ley 15.996":"Ley 15.996","Overtime on working days is paid double (100% extra) and on rest days and public holidays 150% extra. Overtime is limited to 8 hours a week. Night work from 22:00 to 06:00 of at least 5 hours earns at least 20% extra (Ley 19.313).":"Nadure ob delovnih dneh se plačajo dvojno (100 % dodatek), ob dnevih počitka in praznikih s 150 % dodatkom. Nadure so omejene na 8 ur na teden. Nočno delo od 22. do 6. ure, ki traja najmanj 5 ur, da dodatek najmanj 20 % (Ley 19.313).","8 h / week":"8 ur / teden","Professionals":"Svobodni poklici","Self-employed professionals pay IRPF on their fees after a notional 30% for expenses (or IRAE if they choose), plus contributions to their professional pension fund or the BPS on a chosen category and FONASA. Small businesses can use the monotributo instead.":"Samostojni strokovnjaki plačujejo IRPF od honorarjev po pavšalnih 30 % stroškov (ali po izbiri IRAE) ter prispevke v svojo poklicno pokojninsko blagajno ali BPS v izbrani kategoriji in FONASA. Mala podjetja lahko namesto tega uporabijo monotributo.","Under the 2023 reform (Ley 20.130) the retirement age rises gradually to 65 for people born from 1973, with at least 30 years of service. The pension combines a BPS benefit and an annuity from your AFAP account, with a supplement that raises low pensions; working after the minimum age raises it.":"Z reformo iz leta 2023 (Ley 20.130) se upokojitvena starost postopno zvišuje na 65 let za rojene od leta 1973, z najmanj 30 leti zaposlitve. Pokojnina združuje dajatev BPS in rento s tvojega računa AFAP, z dodatkom, ki zvišuje nizke pokojnine; delo po najnižji starosti jo poveča.","Voluntary savings in an AFAP account are not deductible from IRPF.":"Prostovoljno varčevanje na računu AFAP ni odbitno od IRPF.","Voluntary AFAP savings: no tax deduction. Interest on bank deposits is taxed at 12% under IRPF (lower rates for some peso deposits).":"Prostovoljno varčevanje v AFAP: brez davčnega odbitka. Obresti od bančnih vlog so obdavčene z 12 % IRPF (nižje stopnje za nekatere vloge v pesih).","Family Day (Christmas)":"Dan družine (božič)","Employees get 20 working days of paid leave a year, plus 1 day for every 4 years of service from the 5th year, and a vacation bonus (salario vacacional) of about the net pay for those days. Only 5 public holidays are paid days off; Carnival, Tourism Week and the other holidays are working days unless agreed otherwise.":"Delavci imajo 20 delovnih dni plačanega dopusta na leto, od 5. leta zaposlitve 1 dan več vsaka 4 leta, in regres (salario vacacional) v višini približno neto plače za te dni. Samo 5 praznikov je plačanih prostih dni; karneval, teden turizma in drugi prazniki so delovni dnevi, razen če je dogovorjeno drugače.","100% of pay (BPS)":"100 % plače (BPS)","13 days (3 from the employer, 10 from the BPS)":"13 dni (3 od delodajalca, 10 od BPS)","Part-time parental care":"Krajši delovni čas za nego","Half-time work until the baby is 6 months old":"Delo pol dneva, dokler otrok ne dopolni 6 mesecev","Full pay (BPS pays the half not worked)":"Polna plača (BPS plača neopravljeno polovico)","From the 4th day":"Od 4. dne","70% of pay (BPS)":"70 % plače (BPS)","Dismissed":"Odpoved","Dismissal and unemployment":"Odpoved in brezposelnost","A dismissed monthly-paid employee receives one month’s pay for each year or part year of service, up to 6 months, tax-free; there is no notice period. Unemployment insurance pays monthly-paid workers 66% of their average pay in the first month, falling to 40% in the sixth, after at least 6 months of contributions in the last 12.":"Odpuščeni delavec z mesečno plačo prejme eno mesečno plačo za vsako začeto leto zaposlitve, največ 6, neobdavčeno; odpovednega roka ni. Zavarovanje za brezposelnost delavcem z mesečno plačo izplačuje 66 % njihove povprečne plače prvi mesec, ki do šestega meseca pade na 40 %, po najmanj 6 mesecih prispevkov v zadnjih 12.","Each child under 18 adds $11,440 a month to your IRPF deductions, which lower the tax by 14% of that amount (8% if you earn more than 15 BPC a month).":"Vsak otrok, mlajši od 18 let, poveča tvoje odbitke IRPF za 11.440 $ na mesec, kar zniža davek za 14 % tega zneska (8 %, če zaslužiš več kot 15 BPC na mesec).","Couples can file IRPF jointly when both have income below a limit (not modelled). The child deduction of 20 BPC a year is split between the parents; family allowances are not included.":"Pari lahko IRPF napovejo skupaj, če sta oba pod mejo dohodka (ni izračunano). Odbitek za otroka 20 BPC na leto se razdeli med starša; družinski prejemki niso vključeni.","One month per year, at most 6":"Ena mesečna plača na leto, največ 6","66% falling to 40%, 6 months":"66 %, pade na 40 %, 6 mesecev","14 weeks at full pay":"14 tednov s polno plačo","13 days at full pay":"13 dni s polno plačo","Half-time until 6 months":"Pol dneva do 6 mesecev","70% from day 4":"70 % od 4. dne","Monthly IRPF and contributions for one employee with the 2026 values (BPC $6,864), for 12 salaries plus the aguinaldo. The pension contribution ceiling is an estimate; the FONASA spouse rate and annual cap, other deductions (rent, solidarity fund), the vacation bonus and the annual IRPF settlement are not modelled.":"Mesečni IRPF in prispevki delavca z vrednostmi za leto 2026 (BPC 6.864 $), za 12 plač in aguinaldo. Zgornja meja pokojninskih prispevkov je ocenjena; stopnja FONASA za partnerja in letna meja, drugi odbitki (najemnina, Solidarnostni sklad), regres in letni poračun IRPF se ne izračunajo.","Official sources: Banco de Previsión Social (IRPF scales and values 2026, comunicado R 5/2026; contribution rates; unemployment insurance; maternity and paternity leave), Dirección General Impositiva (IRPF), Decree 11/026 (BPC 2026), Ministry of Labour and Social Security (holidays, leave, dismissal, overtime), Ley 20.130 (pension reform), Central Bank of Uruguay (exchange rate), INE (inflation), World Bank ICP (price levels).":"Uradni viri: Banco de Previsión Social (lestvice in vrednosti IRPF 2026, sporočilo R 5/2026; stopnje prispevkov; zavarovanje za brezposelnost; porodniški in očetovski dopust), Dirección General Impositiva (IRPF), Uredba 11/026 (BPC 2026), Ministrstvo za delo in socialno varnost (prazniki, dopust, odpoved, nadure), Ley 20.130 (pokojninska reforma), Centralna banka Urugvaja (menjalni tečaj), INE (inflacija), Svetovna banka ICP (ravni cen).","IRPF scale on $100,000 of monthly income (before deductions and the 6% increase)":"Lestvica IRPF za mesečni dohodek 100.000 $ (pred odbitki in povečanjem za 6 %)","Monthly tax-free minimum (7 BPC)":"Mesečni neobdavčeni minimum (7 BPC)","Monthly deduction for a child (20 BPC a year)":"Mesečni odbitek za enega otroka (20 BPC na leto)","Dismissal compensation after 10 years (months of pay)":"Odpravnina ob odpovedi po 10 letih (mesečne plače)","Your voluntary MPF contributions":"Tvoji prostovoljni prispevki v MPF","Your IRP and pension savings":"Tvoj IRP in pokojninsko varčevanje","Your PRS":"Tvoj PRS","Ad valorem stamp duty (Scale 2, rates from 26 February 2026)":"Kolkovina glede na vrednost (lestvica 2, stopnje od 26. februarja 2026)","Solicitor, land registry and mortgage fees (estimate)":"Odvetnik, zemljiška knjiga in hipotekarni stroški (ocena)","Acquisition tax (1% up to 600 million won, rising to 3% at 900 million) and local education tax":"Davek na pridobitev (1 % do 600 mio. vonov, narašča do 3 % pri 900 mio.) in lokalni davek za izobraževanje","Registration, housing bond, broker and loan fees (estimate, about 0.6%)":"Vpis, stanovanjska obveznica, posrednik in stroški kredita (ocena, približno 0,6 %)","Stamp duty on the transfer: exempt for a Malaysian first-time buyer up to RM500,000":"Kolkovina na prenos: oprostitev za malezijske kupce prvega stanovanja do RM500.000","Stamp duty on the transfer (1% to 4%)":"Kolkovina na prenos (od 1 % do 4 %)","Stamp duty on the loan agreement 0.5%":"Kolkovina na kreditno pogodbo 0,5 %","Legal fees for the sale and the loan (estimate, about 1%)":"Pravni stroški nakupa in kredita (ocena, približno 1 %)","Not modelled: home loan interest is deductible from salaries tax up to $100,000 a year for up to 20 years of assessment.":"Ni izračunano: obresti stanovanjskega kredita so odbitne od Salaries Taxa do 100.000 $ na leto največ 20 davčnih let.","Not modelled: interest on a long-term mortgage for a modest home can be deducted from income, under conditions on the loan, the home price and your situation.":"Ni izračunano: obresti dolgoročnega stanovanjskega kredita za skromno stanovanje je mogoče odšteti od dohodka pod pogoji glede kredita, cene in tvojega položaja.","Not modelled: Malaysian first-time buyers of a home up to RM750,000 bought in 2025–2027 can deduct up to RM7,000 of loan interest a year for 3 years (RM5,000 above RM500,000).":"Ni izračunano: malezijski kupci prvega stanovanja do RM750.000, kupljenega v letih 2025–2027, lahko 3 leta odštevajo do RM7.000 obresti na leto (RM5.000 nad RM500.000).","Hong Kong Monetary Authority: since October 2024 loans for any residential property are at most 70% of the value and debt servicing at most 50% of income; the Mortgage Insurance Programme lets banks lend more for some first homes.":"Hong Kong Monetary Authority: od oktobra 2024 krediti za katero koli stanovanjsko nepremičnino znašajo največ 70 % vrednosti, odplačevanje dolga pa največ 50 % dohodka; Mortgage Insurance Programme bankam omogoča, da za nekatera prva stanovanja posodijo več.","Financial Services Commission: loans at most 70% of the value outside regulated areas (40% in regulated areas such as Seoul), and all debt payments at most 40% of income under the stress DSR rules.":"Financial Services Commission: krediti največ 70 % vrednosti zunaj reguliranih območij (40 % na reguliranih območjih, kot je Seul), vsi obroki dolgov skupaj pa največ 40 % dohodka po pravilih stresnega DSR.","Bank Negara Malaysia: at most 70% of the value for a third or later housing loan; first and second homes usually up to 90%, with debt service limits set by each bank (often 60–70% of net income).":"Bank Negara Malaysia: največ 70 % vrednosti za tretji in vsak naslednji stanovanjski kredit; prvo in drugo stanovanje se običajno financirata do 90 %, z mejami odplačevanja dolga, ki jih določi vsaka banka (pogosto 60–70 % neto dohodka).","Statutory holidays on weekdays in 2026 (with days in lieu)":"Zakonski prazniki ob delovnih dneh v letu 2026 (z nadomestnimi dnevi)","Public holidays on weekdays in 2026 (with substitute holidays and Workers’ Day)":"Prazniki ob delovnih dneh v letu 2026 (z nadomestnimi prazniki in praznikom dela)","Annual leave after one year (days)":"Letni dopust po enem letu (dnevi)","Kuala Lumpur public holidays on weekdays in 2026 (with replacement days)":"Prazniki v Kuala Lumpurju ob delovnih dneh v letu 2026 (z nadomestnimi dnevi)","Ad valorem stamp duty on a $10,000,000 home":"Kolkovina glede na vrednost za stanovanje za 10.000.000 $","Acquisition tax and education tax on an 800 million won home":"Davek na pridobitev in davek za izobraževanje za stanovanje za 800 mio. vonov","Stamp duty on the transfer of a RM600,000 home (not a first home)":"Kolkovina na prenos stanovanja za RM600.000 (ne prvo stanovanje)","MPF is projected with a 3% real return on the mandatory contributions and drawn down evenly over your life expectancy; actual returns depend on your funds and fees. The means-tested Old Age Living Allowance is not included.":"MPF se projicira s 3 % realnim donosom na obvezne prispevke in enakomerno porabi v tvoji pričakovani življenjski dobi; dejanski donos je odvisen od tvojih skladov in provizij. Old Age Living Allowance, odvisna od premoženjskega stanja, ni vključena.","Estimate: the national pension uses the 2026 replacement rate of 43% for all your years and your average pay in today’s money; older periods had higher rates and the official revaluation is not applied. Your National Pension Service statement gives your own figure.":"Ocena: državna pokojnina uporablja nadomestitveno stopnjo 43 % za leto 2026 za vsa tvoja leta in tvojo povprečno plačo v današnjem denarju; prejšnja obdobja so imela višje stopnje, uradna valorizacija pa se ne uporabi. Tvoj izpis National Pension Service navaja tvoj znesek.","EPF is projected with a 3% real return (dividends have been around 5–6% a year) and drawn down evenly over your life expectancy; withdrawals for housing, education or health before 55 reduce it.":"EPF se projicira s 3 % realnim donosom (dividende so bile približno 5–6 % na leto) in enakomerno porabi v tvoji pričakovani življenjski dobi; izplačila za stanovanje, izobraževanje ali zdravje pred 55. letom ga zmanjšajo.","Severance pay uses your monthly gross as the average wage; bonuses and allowances in the last three months can raise it. The job-seeking benefit days assume your years of service are your insured period.":"Odpravnina ob odhodu uporablja tvojo bruto mesečno plačo kot povprečno plačo; bonusi in dodatki iz zadnjih treh mesecev jo lahko povečajo. Dnevi nadomestila za brezposelnost predpostavljajo, da so tvoja leta zaposlitve tvoja zavarovalna doba.","Statutory termination benefits apply to wages up to RM4,000 a month; above that the contract decides. The job search allowance assumes contributions in every month of the last two years for 6 months (3 months for less than 2 years of service).":"Zakonska nadomestila ob prenehanju veljajo za plače do RM4.000 na mesec; nad tem odloča pogodba. Nadomestilo za iskalce zaposlitve za 6 mesecev zahteva prispevke vsak mesec v zadnjih dveh letih (3 mesece pri manj kot 2 letih zaposlitve).","Your voluntary AFP savings":"Tvoje prostovoljno varčevanje v AFP","Your voluntary AFAP savings":"Tvoje prostovoljno varčevanje v AFAP","Alcabala 3% on the value above 10 UIT (S/ 55,000), paid by the buyer":"Alcabala 3 % od vrednosti nad 10 UIT (S/ 55.000), plača kupec","Notary, public registry and loan fees (estimate, about 1%)":"Notar, javni register in stroški kredita (ocena, približno 1 %)","Property transfer tax (ITP) 2% paid by the buyer":"Davek na promet nepremičnin (ITP) 2 %, plača kupec","Notary fees incl. VAT and registry (estimate, about 4%)":"Notarski stroški z DDV in register (ocena, približno 4 %)","No relief for a home you live in (social housing programmes have their own subsidies).":"Ni olajšave za stanovanje, v katerem živiš (programi socialnih stanovanj imajo lastne subvencije).","No binding loan-to-value limits: banks usually lend up to 80–90% of the value (Fondo MiVivienda programmes for lower prices) and keep the payment at about 30–40% of income.":"Ni zavezujočih omejitev kreditiranja: banke običajno posodijo do 80–90 % vrednosti (programi Fondo MiVivienda za nižje cene) in obrok ohranjajo pri približno 30–40 % dohodka.","No binding loan-to-value limits: the BHU and banks usually lend up to 80–90% of the value in indexed units (UI) and keep the payment at about 30% of household income.":"Ni zavezujočih omejitev kreditiranja: BHU in banke običajno posodijo do 80–90 % vrednosti v indeksiranih enotah (UI) in obrok ohranjajo pri približno 30 % dohodka gospodinjstva.","Paid non-working holidays on weekdays in 2026":"Plačani dela prosti prazniki ob delovnih dneh v letu 2026","Alcabala on a S/ 500,000 home":"Alcabala za stanovanje za S/ 500.000","Property transfer tax paid by the buyer on a $5,000,000 home":"Davek na prenos, ki ga plača kupec, za stanovanje za 5.000.000 $","ONP pensions follow the 2026 minimum and maximum; the reduced pensions for 10 to 19 years of contributions under Ley 32123 are not modelled. AFP accounts are projected with a 3% real return; actual returns and annuity rates vary.":"Pokojnine ONP sledijo najnižjemu in najvišjemu znesku za leto 2026; znižane pokojnine za 10 do 19 let prispevkov po Ley 32123 se ne izračunajo. Računi AFP se projicirajo s 3 % realnim donosom; dejanski donosi in stopnje rent se razlikujejo.","Estimate: the pension uses a simplified rate on your recent average pay; the actual Ley 20.130 calculation combines the BPS benefit, the AFAP annuity and a supplement for low pensions. Your BPS history statement gives your recorded years.":"Ocena: pokojnina uporablja poenostavljeno stopnjo na tvojo nedavno povprečno plačo; dejanski izračun po Ley 20.130 združuje dajatev BPS, rento AFAP in dodatek za nizke pokojnine. Tvoj izpis zgodovine BPS prikazuje evidentirana leta.","The unemployment insurance maximum is estimated; the legal minimum and maximum are set in BPC and updated every year.":"Zgornja meja zavarovanja za brezposelnost je ocenjena; zakonski najnižji in najvišji znesek se določita v BPC in vsako leto posodobita.","Overtime is taxed and insured like normal pay, at your marginal IRPEF rate. In 2026 night, holiday, rest-day and shift premiums pay a 15% flat tax instead of IRPEF on up to €1,500 a year if your 2025 income was at most €40,000; this is included here (INPS is still due).":"Nadure so obdavčene in zavarovane kot običajna plača, po tvoji mejni stopnji IRPEF. V letu 2026 se dodatki za nočno delo, delo na praznike, dneve počitka in izmensko delo do 1.500 € na leto obdavčijo s pavšalnim davkom 15 % namesto IRPEF, če tvoj dohodek v letu 2025 ni presegel 40.000 €; tu je to upoštevano (prispevki INPS se še plačujejo).","weekend · replaced by another day off":"vikend · nadomeščen z drugim prostim dnem","national, on working days, + 1 replacement day":"državni, na delovne dni, + 1 nadomestni dan","national, on working days, + {0} replacement days":"državni, na delovne dni, + nadomestni dnevi: {0}","60% (67% with children) of a standard net pay: gross up to the pension ceiling less a flat 20% for social insurance, wage tax and solidarity surcharge; for 12 months, up to 24 from age 58 with long insurance. Resigning triggers a 12-week block.":"60 % (67 % z otroki) pavšalne neto plače: bruto plača do zgornje meje pokojninskega zavarovanja, zmanjšana za pavšalnih 20 % za socialne prispevke, davek od plače in solidarnostni dodatek; 12 mesecev, od 58. leta z dolgo zavarovalno dobo do 24. Odpoved na lastno željo pomeni 12-tedensko zaporo.","Paid public holidays in 2026, including replacement days":"Plačani prazniki v letu 2026, vključno z nadomestnimi dnevi","Public holidays on weekdays in 2026, half days counted as ½":"Prazniki na delovne dni v letu 2026, poldnevi štejejo kot ½","Unemployment benefit (ALG I) a month after €4,500 a month, class I, no children":"Nadomestilo za brezposelnost (ALG I) na mesec po 4.500 € na mesec, razred I, brez otrok","Net per year, €4,000 × 14 (Vienna)":"Neto na leto, 4.000 € × 14 (Dunaj)","Net from 8 overtime hours a month at +50% (€4,000 × 14)":"Neto iz 8 nadur na mesec z dodatkom +50 % (4.000 € × 14)","Tax reduction for 8 overtime hours a month at +50% (€4,000 × 13)":"Znižanje davka za 8 nadur na mesec z dodatkom +50 % (4.000 € × 13)","Share of overtime kept with a basic wage of €350 a week":"Delež nadur, ki ti ostane pri osnovni plači 350 € na teden","State incentive on €720 of third-pillar contributions":"Državna spodbuda za 720 € prispevkov v tretji steber","KiwiSaver government contribution a year (income NZ$78,000)":"Državni prispevek KiwiSaver na leto (dohodek 78.000 NZ$)","Tax credit for €1,200 of PS premiums without capital income":"Davčni dobropis za 1.200 € premij PS brez kapitalskega dohodka","Voluntary overtime paid gross = net (up to 240 h a year, from April 2026)":"Prostovoljne nadure, plačane bruto = neto (do 240 ur na leto, od aprila 2026)","Overtime is taxed like pay, but overtime with a premium gives a tax reduction of 66.81% of its taxable base pay (57.75% with a 20% premium) for up to 180 hours a year; it is included here. Voluntary overtime of up to 240 hours a year can be paid gross = net from April 2026, without premium, social security or tax: tick the box to use it.":"Nadure so obdavčene kot plača, vendar nadure z dodatkom dajo znižanje davka za 66,81 % njihove obdavčljive osnovne plače (57,75 % pri dodatku 20 %) za največ 180 ur na leto; tu je to upoštevano. Od aprila 2026 se lahko prostovoljne nadure do 240 ur na leto plačajo bruto = neto, brez dodatka, prispevkov in davka: označi polje, če želiš to upoštevati.","Voluntary overtime (gross = net)":"Prostovoljne nadure (bruto = neto)","20 days on a 5-day week (4 weeks), earned by working the previous year; in your first job you can take European supplementary leave. Holiday pay: your normal pay plus double holiday pay of 92% of a month. 10 public holidays; one falling on a Sunday or on your usual day off is replaced by another day off.":"20 dni pri petdnevnem tednu (4 tedni), pridobljenih z delom v prejšnjem letu; v prvi zaposlitvi lahko vzameš evropski dodatni dopust. Plača med dopustom: tvoja običajna plača in dvojni regres v višini 92 % mesečne plače. 10 praznikov; če kateri pade na nedeljo ali na tvoj običajni prosti dan, ga nadomesti drug prost dan.","26 working days a year (5-day week), whatever your age; collective agreements may add more. 11 public holidays; one falling on a Sunday or on a day you do not normally work gives a replacement day within 3 months.":"26 delovnih dni na leto (petdnevni teden) ne glede na starost; kolektivne pogodbe lahko dajo več. 11 praznikov; če kateri pade na nedeljo ali na dan, ko običajno ne delaš, dobiš v 3 mesecih nadomestni dan.","I work in Vienna (housing contribution 0.75%)":"Delam na Dunaju (stanovanjski prispevek 0,75 %)","The premiums for the first 15 overtime hours a month (up to 50% of base pay) are tax-free up to €170 a month in 2026 (10 hours and €120 from 2027), and Sunday, holiday and night premiums up to €400 a month; both are included here. Social insurance is still due on them.":"Dodatki za prvih 15 nadur v mesecu (do 50 % osnovne plače) so v letu 2026 neobdavčeni do 170 € na mesec (od leta 2027 10 ur in 120 €), nedeljski, praznični in nočni dodatki pa do 400 € na mesec; oboje je tu upoštevano. Socialni prispevki se od njih še plačujejo.","6% health insurance (since June 2025), wage tax with the pensioner credit; the 13th and 14th payments are taxed at 6%. Low pensions are topped up to the equalisation supplement (Ausgleichszulage).":"Zdravstveno zavarovanje 6 % (od junija 2025), davek od plače z olajšavo za upokojence; 13. in 14. izplačilo se obdavčita s 6 %. Nizke pokojnine se dopolnijo do izravnalnega dodatka (Ausgleichszulage).","Overtime is not part of the basic wage, so it pays no social security. With a basic weekly wage of at most €375, the first €10,000 of overtime a year is taxed at a flat 15%; otherwise it is taxed at your marginal rate. Both are included here.":"Nadure niso del osnovne plače, zato se od njih ne plačujejo prispevki. Pri osnovni plači največ 375 € na teden se prvih 10.000 € nadur na leto obdavči s pavšalno stopnjo 15 %, sicer po tvoji mejni stopnji. Oba primera sta tu upoštevana.","Bringing up your children alone? The parent tax rates are lower than the single rates: choose “Parent” as your tax computation.":"Otroke vzgajaš brez partnerja? Stopnje za starše so nižje od stopenj za samske: izberi »Starš« kot izračun davka.","Unmarried and paying most of the costs of a home for your child? You usually file as head of household, with a larger standard deduction and wider brackets: choose it as your filing status.":"Brez zakonca in plačuješ večino stroškov gospodinjstva za svojega otroka? Običajno oddaš napoved kot vodja gospodinjstva (head of household), z višjo standardno olajšavo in širšimi razredi: izberi ta davčni status.","Tax relief for children (per year)":"Davčna olajšava za otroke (na leto)","A flat 10% on pay after the employee’s social and health contributions. Families take €3,067.75 off the yearly tax base for 1 child, €6,135.50 for 2 and €9,203.25 for 3 or more (from 2026 also through the employer each month). Bulgaria adopted the euro on 1 January 2026 (1 € = 1.95583 lev). Minimum wage €620.20 a month.":"Enotnih 10 % od plače po socialnih in zdravstvenih prispevkih delavca. Družine od letne davčne osnove odštejejo 3.067,75 € za 1 otroka, 6.135,50 € za 2 in 9.203,25 € za 3 ali več (od leta 2026 tudi vsak mesec prek delodajalca). Bolgarija je evro uvedla 1. januarja 2026 (1 € = 1,95583 leva). Minimalna plača 620,20 € na mesec.","The tax relief for children is included; monthly child benefits (income-tested) are not. Bulgaria taxes each person separately.":"Davčna olajšava za otroke je upoštevana, mesečni otroški dodatki (glede na dohodek) pa ne. Bolgarija obdavči vsako osebo posebej.","Annual tax and contributions for one employee with the 2026 rates, using the €2,300 contribution ceiling that applies from August, and the child tax relief. Other deductions and the work-accident rate of your employer are not modelled.":"Letni davek in prispevki za enega zaposlenega po stopnjah 2026, z zgornjo mejo prispevkov 2.300 €, ki velja od avgusta, in z davčno olajšavo za otroke. Druge olajšave in stopnja za nesreče pri delu tvojega delodajalca niso upoštevane.","Yearly income tax on €1,400 a month with 2 children":"Letna dohodnina pri 1.400 € na mesec in 2 otrocih","Pension age of a man born in 1961 (years)":"Upokojitvena starost moškega, rojenega leta 1961 (leta)","Tax relief for dependent children (per year)":"Olajšava za vzdrževane otroke (na leto)","The yearly net tax base is taxed at 16% up to €9,721.43, 26% up to €28,592.44, 33% up to €57,184.88, 39% up to €82,346.23 and 50% above. The general relief is €5,551.93, increased by 20,832.39 − 1.17259 × income for total income up to €17,766.18. Each dependent child lowers the tax base by €2,995.83 (1st), €3,256.77 (2nd), €5,432.02 (3rd), €7,607.27 (4th) or €9,782.51 (5th); the relief for young people is not included.":"Letna neto davčna osnova se obdavči s 16 % do 9.721,43 €, 26 % do 28.592,44 €, 33 % do 57.184,88 €, 39 % do 82.346,23 € in 50 % nad tem. Splošna olajšava znaša 5.551,93 € in se pri skupnem dohodku do 17.766,18 € poveča za 20.832,39 − 1,17259 × dohodek. Vsak vzdrževani otrok zniža davčno osnovo za 2.995,83 € (1.), 3.256,77 € (2.), 5.432,02 € (3.), 7.607,27 € (4.) ali 9.782,51 € (5.); olajšava za mlade ni upoštevana.","Child benefit in Slovenia depends on family income and is not included. The child tax relief is included for you as the parent who claims it.":"Otroški dodatek v Sloveniji je odvisen od dohodka družine in ni upoštevan. Olajšava za otroke je upoštevana zate kot za starša, ki jo uveljavlja.","Annual tax and contributions for one employee with the 2026 scale, the general relief and the child reliefs. Young-person and other reliefs, the holiday allowance (regres) and Christmas bonuses, and meal and travel allowances are not modelled.":"Letni davek in prispevki za enega zaposlenega z lestvico 2026, splošno olajšavo in olajšavami za otroke. Olajšave za mlade in druge, regres in božičnice ter povračila za prehrano in prevoz niso upoštevani.","Income tax on €2,500 a month with 2 dependent children":"Dohodnina pri 2.500 € na mesec in 2 vzdrževanih otrocih","Yearly AFP deduction on S/ 3,000 × 14 (no contributions on the gratificaciones)":"Letni odtegljaj AFP od 3.000 S/ × 14 (brez prispevkov od gratificaciones)","incl. 1 replacement day":"vklj. 1 nadomestni dan","incl. {0} replacement days":"vklj. nadomestnih dni: {0}","Country at a glance":"Država na kratko","Money quiz":"Kviz o denarju","1 month of pay":"1 mesečna plača","{m} months of pay":"{m} mes. plače","No legal right; a settlement of about 0.5 month’s pay per year is customary":"Ni zakonske pravice; običajen je dogovor o približno 0,5 mesečne plače na leto","No severance for a justified dismissal; the TFR fund (about one month’s pay per year) is paid on any termination":"Ni odpravnine pri utemeljeni odpovedi; sklad TFR (približno ena mesečna plača na leto) se izplača ob vsakem prenehanju zaposlitve","the average full-time wage ({g} a year, OECD 2025)":"povprečna plača za polni delovni čas ({g} na leto, OECD 2025)","the example salary of the Salary tab ({g} a year)":"vzorčna plača iz zavihka Plača ({g} na leto)","{c} at a glance · 2026":"{c} na kratko · 2026","of {b} is take-home pay after income tax and social security":"ostane neto po dohodnini in prispevkih · osnova: {b}","Inflation 2025":"Inflacija 2025","2026 estimate: {p}":"ocena za 2026: {p}","Prices since 2016":"Cene od leta 2016","ten years of inflation, to 2026":"deset let inflacije, do leta 2026","Real average wage":"Realna povprečna plača","no OECD average-wage series for this country yet":"za to državo še ni OECD-jeve serije povprečne plače","2015–2025, after inflation (OECD)":"2015–2025, po inflaciji (OECD)","Earliest pension age":"Najnižja upokojitvena starost","with a cut; full pension at {f} (born {y})":"z znižanjem; polna pokojnina pri {f} letih (letnik {y})","full pension, for someone born in {y}":"polna pokojnina, letnik {y}","Prices and inflation":"Cene in inflacija","yearly inflation":"letna inflacija","10 years":"10 let","prices 2016 → 2026":"cene 2016 → 2026","Highest":"Najvišja","Inflation":"Inflacija","estimate":"ocena","Yearly change of the national consumer price index; 2026 (grey) is an estimate. A basket that cost 100 in 2016 costs about {v} in 2026.":"Letna sprememba nacionalnega indeksa cen življenjskih potrebščin; leto 2026 (sivo) je ocena. Košarica, ki je leta 2016 stala 100, leta 2026 stane približno {v}.","Pay and purchasing power":"Plača in kupna moč","Average wage":"Povprečna plača","a year, 2025 (OECD)":"na leto, 2025 (OECD)","Pay rises":"Povišanja plač","2015–2025, as paid":"2015–2025, nominalno","2015–2025; best year {y}":"2015–2025; najboljše leto {y}","Index 2015 = 100. When the average wage line is above the prices line, an average salary buys more than in 2015. OECD average annual wage of full-time employees.":"Indeks 2015 = 100. Ko je črta povprečne plače nad črto cen, povprečna plača kupi več kot leta 2015. Povprečna letna plača zaposlenih za polni delovni čas po podatkih OECD.","series to be added":"serija bo dodana","The site has no official average-wage series for {c} yet, so only prices are shown. Enter your own salaries in the Salary history tab to see your own purchasing power.":"Spletno mesto še nima uradne serije povprečne plače (v državi {c}), zato so prikazane samo cene. Vnesi svoje plače v zavihku Zgodovina plač, da vidiš svojo kupno moč.","Tax on an average salary":"Davki na povprečno plačo","From a raise of 100":"Od povišanja za 100","is left after tax":"ostane po odtegljajih","income tax + social security":"dohodnina + prispevki","Since 2006":"Od leta 2006","{n} points":"{n} odst. točke","was {p} in 2006":"leta 2006: {p}","Share of each year’s average wage paid as income tax and employee social security, with that year’s rules (single, no children). 2026 uses the 2025 average wage.":"Delež povprečne plače vsakega leta, plačan kot dohodnina in prispevki delavca, po pravilih tistega leta (brez partnerja in otrok). Za leto 2026 se uporabi povprečna plača iz leta 2025.","on top of gross pay":"poleg bruto plače","How {b} splits in 2026. Past years’ tax rules for {c} are not in the site yet.":"Razdelitev v letu 2026, osnova: {b}. Davčnih pravil preteklih let ({c}) na spletnem mestu še ni.","A salary in 2026":"Plača v letu 2026","Gross pay":"Bruto plača","{v} a month on average":"povprečno {v} na mesec","Employer cost":"Strošek delodajalca","Based on {b}, single, no children.":"Osnova: {b}, brez partnerja in otrok.","Calculate your own salary →":"Izračunaj svojo plačo →","Earliest, with a cut":"Najprej, z znižanjem","Estimated pension at {a}":"Ocenjena pokojnina pri {a} letih","{v} a month, net":"{v} na mesec, neto","Life expectancy at 65":"Pričakovana življenjska doba pri 65 letih","{m} more years (men), {w} (women)":"še {m} let (moški), {w} (ženske)","For someone born in {y} who keeps working until then, with the inputs of the Pension tab; amounts in today’s money. Rules can change before retirement.":"Za letnik {y} ob delu do takrat, s podatki iz zavihka Pokojnina; zneski v današnjem denarju. Pravila se lahko do upokojitve spremenijo.","Estimate your pension →":"Oceni svojo pokojnino →","Leave and holidays":"Dopust in prazniki","Annual leave by law":"Zakonski letni dopust","{a} days from the 3rd year (20 in the 1st, 21 in the 2nd)":"{a} dni od 3. leta (20 v 1., 21 v 2.)","{a} working days":"{a} delovnih dni","none by law":"zakon ne določa","Public holidays on weekdays 2026":"Prazniki na delovne dni 2026","{a} + {b} customary":"{a} + {b} običajni","{n} replacement":"nadomestni: {n}","Paid days off a year":"Plačani prosti dnevi na leto","bank holidays can be inside the 28":"bank holidays so lahko vključeni v teh 28","Next public holiday":"Naslednji praznik","today":"danes","Legal minimum for a 5-day week; contracts often give more.":"Zakonski minimum pri petdnevnem tednu; pogodbe pogosto dajo več.","Plan your leave →":"Načrtuj dopust →","If you lose your job":"Če izgubiš službo","Paid by law after 10 years":"Po zakonu po 10 letih","Rule":"Pravilo","Dismissal for business reasons after 10 years, at age 45, based on {b}.":"Odpoved iz poslovnih razlogov po 10 letih, pri 45 letih; osnova: {b}.","Calculate your own case →":"Izračunaj svoj primer →","Cost of living":"Življenjski stroški","about the EU average":"približno povprečje EU","{p} above the EU average":"{p} nad povprečjem EU","{p} below the EU average":"{p} pod povprečjem EU","Exchange rate":"Menjalni tečaj","Currency":"Valuta","euro":"evro","Typical household spending":"Značilni izdatki gospodinjstva","{v} a month":"{v} na mesec","of which rent":"od tega najemnina","Rent, utilities, food, communication and transport of an average household ({n} people), in 2026 prices. Price level: Eurostat, EU = 100.":"Najemnina, komunalne storitve, hrana, komunikacije in prevoz povprečnega gospodinjstva ({n} oseb), v cenah leta 2026. Raven cen: Eurostat, EU = 100.","Compare buying power →":"Primerjaj kupno moč →","Sources: the national consumer price index of {c}, the OECD average annual wage, and the tax, social security, pension, leave and termination rules used by the calculators of this site (official sources listed in each tab).":"Viri: nacionalni indeks cen življenjskih potrebščin ({c}), povprečna letna plača po podatkih OECD ter pravila o davkih, prispevkih, pokojnini, dopustu in prenehanju zaposlitve, ki jih uporabljajo kalkulatorji tega spletnega mesta (uradni viri v vsakem zavihku).","What was the inflation rate in {c} in 2025?":"{c}: kolikšna je bila inflacija leta 2025?","Consumer prices rose {p} in 2025.":"Cene življenjskih potrebščin leta 2025: {p}.","By how much did prices in {c} rise over the ten years 2016–2026?":"{c}: za koliko so se cene zvišale v desetih letih 2016–2026?","Prices rose {p} in total: a basket that cost 100 in 2016 costs about {v} in 2026.":"Skupna rast cen: {p}; košarica, ki je leta 2016 stala 100, leta 2026 stane približno {v}.","From 2015 to 2025, how did the purchasing power of the average wage in {c} change?":"{c}: kako se je kupna moč povprečne plače spremenila od leta 2015 do 2025?","{p} after inflation (OECD average wage of full-time employees).":"{p} po inflaciji (OECD-jeva povprečna plača za polni delovni čas).","Someone in {c} earns the average wage. What share of gross pay is left after income tax and social security?":"{c}: nekdo zasluži povprečno plačo. Kolikšen delež bruto plače ostane po dohodnini in prispevkih?","What share of the example salary in {c} is left after income tax and social security?":"{c}: kolikšen delež vzorčne plače ostane po dohodnini in prispevkih?","{p}: {n} net out of {g} gross a year.":"{p}: {n} neto od {g} bruto na leto.","Someone in {c} on the average wage gets a gross raise of 100. How much of it is left after income tax and social security?":"{c}: oseba s povprečno plačo dobi bruto povišanje za 100. Koliko ga ostane po dohodnini in prispevkih?","On the example salary in {c}, how much of a gross raise of 100 is left after income tax and social security?":"{c}: koliko ostane pri vzorčni plači od bruto povišanja za 100 po dohodnini in prispevkih?","{n} of every extra 100: the rest goes to income tax and social security at this salary.":"{n} od vsakih dodatnih 100: preostanek pri tej plači gre za dohodnino in prispevke.","{n} days":"{n} dni","How many days of paid annual leave does the law guarantee in {c} (5-day week)?":"{c}: koliko dni plačanega letnega dopusta zagotavlja zakon (petdnevni teden)?","{n} working days from the 3rd year with the same employer (20 in the 1st, 21 in the 2nd, 25 after 10 years).":"{n} delovnih dni od 3. leta pri istem delodajalcu (20 v 1., 21 v 2., 25 po 10 letih).","{n} working days by law; many contracts give more.":"{n} delovnih dni po zakonu; veliko pogodb da več.","There is no legal minimum; paid leave depends on the employer.":"Zakonskega minimuma ni; plačani dopust je odvisen od delodajalca.","How many public holidays fall on working days in {c} in 2026?":"{c}: koliko praznikov leta 2026 pade na delovne dni?","{a} official and {b} customary holidays fall on weekdays in 2026.":"Leta 2026 na delovne dni padejo prazniki: uradni {a}, običajni {b}.","{n} public holidays fall on weekdays in 2026{s}.":"Prazniki, ki leta 2026 padejo na delovne dni: {n}{s}."," (plus {r} replacement days for holidays on a weekend)":" (in nadomestni dnevi za praznike ob koncu tedna: {r})","In {c}, from what age can someone born in {y} get a full pension without a cut?":"{c}: od katere starosti lahko oseba letnika {y} dobi polno pokojnino brez znižanja?","At {a}, if they keep working; a reduced pension is possible from {e}.":"Pri {a} letih ob nadaljnjem delu; znižana pokojnina je mogoča od {e} let.","At {a}, with the current rules and the inputs of the Pension tab.":"Pri {a} letih po sedanjih pravilih in podatkih iz zavihka Pokojnina.","Which describes maternity leave in {c}?":"{c}: kateri opis ustreza porodniškemu dopustu?","In {c}: {t}.":"{c}: {t}.","In {c}, how much does the law give you on a dismissal for business reasons after 10 years in the job?":"{c}: kaj ti zakon da ob odpovedi iz poslovnih razlogov po 10 letih zaposlitve?","About the same as the EU average":"Približno kot povprečje EU","About {p} higher than the EU average":"Približno {p} višje od povprečja EU","About {p} lower than the EU average":"Približno {p} nižje od povprečja EU","How do consumer prices in {c} compare with the EU average?":"{c}: kakšne so cene življenjskih potrebščin v primerjavi s povprečjem EU?","Price level index {n} (EU = 100, Eurostat).":"Indeks ravni cen {n} (EU = 100, Eurostat).","On top of gross pay, how much does an employer in {c} pay in social contributions for an average salary?":"{c}: koliko delodajalec poleg bruto plače plača prispevkov za povprečno plačo?","{p} of gross pay":"{p} bruto plače","{p} of gross pay: {v} a year on {g}.":"{p} bruto plače: {v} na leto pri {g}.","Money quiz · {c}":"Kviz o denarju · {c}","{n} questions":"{n} vprašanj","{a} of {n} right":"{a} od {n} pravilnih","How well do you know pay, prices, pensions and leave here? Pick one answer for each question.":"Kako dobro poznaš tukajšnje plače, cene, pokojnine in dopust? Pri vsakem vprašanju izberi en odgovor.","Answered":"Odgovorjeno","Correct":"Pravilno","Score":"Rezultat","Level":"Raven","Expert":"Strokovna raven","Well informed":"Dobra obveščenost","Still learning":"Še se učiš","You got {a} of {n} right ({p}).":"Pravilnih odgovorov: {a} od {n} ({p}).","Try another country with the country menu at the top.":"Preizkusi drugo državo v meniju držav na vrhu.","Answer all {n} questions to see your score.":"Odgovori na vseh {n} vprašanj, da vidiš rezultat.","{n} questions about {c}":"{n} vprašanj · {c}","The answers come from the calculators of this site and their official sources. Nothing you choose is saved or sent.":"Odgovori prihajajo iz kalkulatorjev tega spletnega mesta in njihovih uradnih virov. Nič od izbranega se ne shrani ali pošlje.","Right answer":"Pravilen odgovor","Wrong answer":"Napačen odgovor","Open {t} →":"Odpri: {t} →","Check my answers":"Preveri odgovore","Start again":"Začni znova","Questions and answers are generated from each country’s data, so they follow the rules when these are updated.":"Vprašanja in odgovori nastanejo iz podatkov vsake države, zato sledijo pravilom, ko se ta posodobijo.","+{n} more":"+{n} več","Eurostat Structure of Earnings Survey 2022 (full-time employees)":"Eurostatova raziskava o strukturi zaslužkov 2022 (osebe, zaposlene za polni delovni čas)","ONS Annual Survey of Hours and Earnings 2025 (full-time employees; weekly pay × 52 ÷ 12)":"Annual Survey of Hours and Earnings 2025 urada ONS (osebe, zaposlene za polni delovni čas; tedenska plača × 52 ÷ 12)","US Bureau of Labor Statistics, 3rd quarter 2026 (full-time wage and salary workers; weekly earnings × 52 ÷ 12)":"US Bureau of Labor Statistics, 3. četrtletje 2026 (osebe, zaposlene za polni delovni čas za plačo; tedenski zaslužki × 52 ÷ 12)","Japan’s Basic Survey on Wage Structure 2025 (general workers, scheduled earnings)":"Japonska osnovna raziskava o strukturi plač 2025 (redna delovna razmerja, pogodbena plača)","Australian Bureau of Statistics, August 2025 (median weekly earnings of full-time employees × 52 ÷ 12), with the OECD decile ratios":"Australian Bureau of Statistics, avgust 2025 (mediana tedenskih zaslužkov oseb, zaposlenih za polni delovni čas × 52 ÷ 12), z razmerji decilov OECD","Statistics Canada, 2025 (median weekly wage of full-time employees × 52 ÷ 12), with the OECD decile ratios":"Statistics Canada, 2025 (mediana tedenske plače oseb, zaposlenih za polni delovni čas × 52 ÷ 12), z razmerji decilov OECD","Statistics Korea, average monthly wage of regular workers, August 2025, with the OECD decile ratios (median estimated)":"Statistics Korea, povprečna mesečna plača v rednem delovnem razmerju, avgust 2025, z razmerji decilov OECD (ocenjena mediana)","Stats NZ, average weekly earnings of full-time equivalent employees, year to June 2025 (× 52 ÷ 12), with the OECD decile ratios (median estimated)":"Stats NZ, povprečni tedenski zaslužki na ekvivalent polnega delovnega časa, leto do junija 2025 (× 52 ÷ 12), z razmerji decilov OECD (ocenjena mediana)","Mexican Social Security Institute (IMSS), average wage of registered employees, December 2025, with the OECD decile ratios (median estimated)":"Mehiški zavod za socialno varnost (IMSS), povprečna plača zavarovanih zaposlenih oseb, december 2025, z razmerji decilov OECD (ocenjena mediana)","INE Chile Supplementary Income Survey 2025 (net pay brought back to gross), with the OECD decile ratios":"Dopolnilna raziskava o dohodkih 2025 čilskega INE (neto plača, preračunana v bruto), z razmerji decilov OECD","IBGE, average income from work 2025, with the OECD decile ratios (median estimated)":"IBGE, povprečni dohodek iz dela 2025, z razmerji decilov OECD (ocenjena mediana)","INEI, average monthly income from work 2025, with the OECD decile ratios (median estimated)":"INEI, povprečni mesečni dohodek iz dela 2025, z razmerji decilov OECD (ocenjena mediana)","Singapore Ministry of Manpower, June 2025 (full-time employed residents, without employer CPF)":"Ministrstvo za delovno silo Singapurja, junij 2025 (rezidenčne osebe, zaposlene za polni delovni čas, brez prispevka CPF delodajalca)","Hong Kong Census and Statistics Department, May–June 2025":"Urad za popis in statistiko Hongkonga, maj–junij 2025","Department of Statistics Malaysia, 2025 (median and mean of Malaysian employees; spread estimated)":"Statistični urad Malezije, 2025 (mediana in povprečje zaposlenih oseb z malezijskim državljanstvom; ocenjena razpršenost)","Statistics South Africa, Quarterly Labour Force Survey 2022":"Statistics South Africa, četrtletna anketa o delovni sili 2022","Moroccan social security (CNSS) records for 2024, via the Moroccan SME Observatory":"Podatki maroškega socialnega zavarovanja (CNSS) za leto 2024 prek maroškega observatorija za MSP","Your gross pay of {v} a month is higher than about {p} of full-time employees in {c}.":"{c}: tvoja bruto plača {v} na mesec je višja kot pri približno {p} oseb, zaposlenih za polni delovni čas.","Your gross pay of {v} a month is higher than about {p} of employees in {c}.":"{c}: tvoja bruto plača {v} na mesec je višja kot pri približno {p} zaposlenih oseb.","Your gross pay of {v} a month is higher than about {p} of working people in {c}.":"{c}: tvoja bruto plača {v} na mesec je višja od dohodka približno {p} delovno aktivnih oseb.","a month: higher than {p} of full-time employees":"na mesec: več kot pri {p} oseb, zaposlenih za polni delovni čas","a month: higher than {p} of employees":"na mesec: več kot pri {p} zaposlenih oseb","a month: higher than {p} of working people":"na mesec: več kot pri {p} delovno aktivnih oseb","Median full-time pay":"Mediana plače za polni delovni čas","Median pay of employees":"Mediana plače zaposlenih oseb","Median pay of working people":"Mediana dohodka delovno aktivnih oseb","Where your salary ranks":"Kje je tvoja plača","There are no official figures in the site yet on how pay is spread in {c}.":"{c}: na spletnem mestu še ni uradnih podatkov o tem, kako so razporejene plače.","Enter your gross salary to see where it ranks.":"Vnesi bruto plačo in poglej, kje je.","You: {v}":"Ti: {v}","10% earn less":"10 % zasluži manj","half earn less":"polovica zasluži manj","10% earn more":"10 % zasluži več","Source: {src}.":"Vir: {src}.","Figures brought to 2026 with official wage growth (2026 estimated).":"Podatki preračunani na leto 2026 z uradno rastjo plač (2026 ocena).","All amounts are gross pay a month without irregular bonuses; your figure is one regular monthly salary from this tab.":"Vsi zneski so bruto mesečne plače brez nerednih nagrad; tvoj znesek je ena redna mesečna plača s tega zavihka.","{m} a month · 10% earn more than {t}":"{m} na mesec · 10 % zasluži več kot {t}","Net pay from the salary on the left":"Neto od plače na levi","Share of gross pay kept":"Delež bruto plače, ki ostane","Median monthly pay":"Mediana mesečne plače","Price level (EU = 100)":"Raven cen (EU = 100)","days":"dni","Full pension age":"Starost za polno pokojnino","Amounts in purchasing power: converted to euros and adjusted to {c} prices, so they show what the money would buy there.":"Zneski v kupni moči: preračunani v evre in prilagojeni ravni cen referenčne države ({c}), zato kažejo, kaj bi s tem denarjem kupili tam.","Amounts in euros at ECB exchange rates, without adjusting for prices.":"Zneski v evrih po tečajih ECB, brez prilagoditve cenam.","Net pay a year from {g} gross in every country, single, {k} children, age {a}, 2026 rules.":"Neto na leto iz {g} bruto v vsaki državi, oseba brez partnerja, otroci: {k}, starost {a}, pravila 2026.","Share of {g} gross left after income tax and social security in every country, 2026 rules.":"Delež od {g} bruto, ki ostane po dohodnini in prispevkih v vsaki državi, pravila 2026.","Half earn less than this: gross monthly pay of full-time employees, or of all employees or working people where only those figures are published; official surveys brought to 2026 (estimate).":"Polovica zasluži manj: bruto mesečna plača oseb, zaposlenih za polni delovni čas, ali, kjer so objavljeni samo ti podatki, vseh zaposlenih ali delovno aktivnih oseb; uradne raziskave, preračunane na leto 2026 (ocena).","Yearly change of the national consumer price index in 2025.":"Letna sprememba nacionalnega indeksa cen življenjskih potrebščin v letu 2025.","Rise of consumer prices from 2016 to 2026 (2026 estimated).":"Rast cen življenjskih potrebščin od leta 2016 do leta 2026 (2026 ocena).","Price level of household consumption compared with the EU average (Eurostat).":"Raven cen potrošnje gospodinjstev v primerjavi s povprečjem EU (Eurostat).","Legal minimum for a 5-day week: annual leave plus public holidays on weekdays in 2026.":"Zakonski minimum pri petdnevnem tednu: letni dopust in prazniki na delovne dni v letu 2026.","First age with a full state pension without a cut, for the person of each country’s Pension tab who keeps working.":"Prva starost s polno državno pokojnino brez znižanja za osebo z zavihka Pokojnina posamezne države, ki še naprej dela.","No data":"Ni podatkov","Tap a country to see its value.":"Tapni državo in poglej njeno vrednost.","Map":"Zemljevid","Colour by":"Barvanje po","World":"Svet","Not in PayAbacus":"Ni v PayAbacusu","All countries, highest first":"Vse države, od najvišje vrednosti","Hours a week":"Ur na teden","Paid leave, days a year":"Plačan dopust, dni na leto","Commute, minutes each way":"Pot na delo, minut v eno smer","Your real hourly pay":"Tvoja dejanska urna postavka","Paid leave and public holidays are paid but not worked, so each hour you actually work earns more than your contract rate; time spent commuting is unpaid and brings it down.":"Dopust in prazniki so plačani, čeprav ne delaš, zato vsaka dejansko opravljena ura prinese več kot postavka iz pogodbe; čas poti na delo ni plačan in jo zniža.","{n} h":"{n} h","Enter your salary to see your hourly pay.":"Vnesi plačo in poglej svojo urno postavko.","Net per hour you work":"Neto na opravljeno uro","gross {g} · {h} a year":"bruto {g} · {h} na leto","Net per paid hour":"Neto na plačano uro","gross {g} · {h} paid":"bruto {g} · {h} plačanih","With your commute":"S potjo na delo","net · {h} of travel a year":"neto · {h} poti na leto","add your commute above":"zgoraj dodaj pot na delo","Net per working day":"Neto na delovni dan","gross {g} · {d} days a year":"bruto {g} · delovnih dni na leto: {d}","Hours worked":"Opravljene ure","Paid leave":"Plačan dopust","Commuting, unpaid":"Pot na delo, neplačana","{o} paid days off (the 28 statutory days include bank holidays)":"plačani prosti dnevi: {o} (28 zakonskih dni vključuje praznike)","{o} paid days off ({l} leave + {h} public holidays)":"plačani prosti dnevi: {o} (dopust {l} + prazniki {h})","{y}: 52 weeks of {k} days = {c} working days − {off} = {w} days of work, {d} each.":"{y}: 52 tednov po {k} dni = delovni dnevi: {c} − {off} = opravljeni dnevi: {w}, vsak po {d}.","Pay is the year’s gross and net from this tab, with extra salaries and bonuses.":"Plača je letni bruto in neto znesek s tega zavihka, z dodatnimi plačami in nagradami.","With employer contributions, each hour you work costs {e}.":"S prispevki delodajalca vsaka opravljena ura stane {e}.","Leave follows the {l} tab (years with your employer) unless you type your own.":"Dopust sledi zavihku {l} (leta pri delodajalcu), razen če vpišeš svojega.","Hours and leave are the same as in the {o} and {l} tabs.":"Ure in dopust so enaki kot na zavihkih {o} in {l}.","EFKA {r}%":"EFKA {r} %","Income tax withheld":"Odtegnjena dohodnina","✓ Matches":"✓ Se ujema","⚠ Small difference":"⚠ Majhna razlika","✗ Large difference":"✗ Velika razlika","Not checked":"Ni preverjeno","Higher than the rules give for this gross. Common reasons: a higher health-insurance rate (in Germany each insurer sets its own extra rate), a surcharge such as the German care levy for people without children, or other deductions (union, company pension) listed with the contributions.":"Višji, kot jih dajejo pravila za ta bruto. Pogosti razlogi: višji prispevek za zdravstveno zavarovanje (v Nemčiji vsaka blagajna določi svoj dodatni prispevek), doplačilo, kot je nemški prispevek za oskrbo za osebe brez otrok, ali drugi odtegljaji (sindikat, pokojnina delodajalca), navedeni pri prispevkih.","Lower than the rules give. Common reasons: pay above a contribution ceiling, private health insurance (Germany), part of your pay put into a company pension (salary sacrifice), a reduced rate for apprentices, mini-jobs or new hires, or tax-free allowances that carry no contributions.":"Nižji, kot jih dajejo pravila. Pogosti razlogi: plača nad zgornjo mejo prispevkov, zasebno zdravstveno zavarovanje (Nemčija), del plače vplačan v pokojnino delodajalca, znižana stopnja za vajence, minijobe ali nove zaposlene ali neobdavčeni dodatki brez prispevkov.","Higher than expected. Common reasons: a different tax class or code (check the options in this tab), extra pay this month (bonus, overtime) taxed at your top rate, church or local taxes, benefits in kind such as a company car, or allowances your employer has not applied.":"Višja od pričakovane. Pogosti razlogi: drug davčni razred ali koda (preveri možnosti na tem zavihku), dodatno plačilo ta mesec (bonus, nadure), obdavčeno po tvoji najvišji stopnji, cerkveni ali lokalni davki, bonitete, kot je službeni avto, ali olajšave, ki jih delodajalec ni upošteval.","Lower than expected. Common reasons: allowances or credits on your tax code or certificate (children, commuting, a tax-free amount set by the tax office), part of your pay put into a company pension, tax-free overtime or night supplements, or a refund of tax from earlier months (cumulative withholding, as in the UK).":"Nižja od pričakovane. Pogosti razlogi: olajšave ali dobropisi v tvoji davčni kodi ali potrdilu (otroci, pot na delo, neobdavčeni znesek, ki ga je določil davčni urad), del plače vplačan v pokojnino delodajalca, neobdavčene nadure ali nočni dodatki ali vračilo davka iz prejšnjih mesecev (kumulativni odtegljaj, kot v Združenem kraljestvu).","More net pay than expected: see the lines above, or additions on the payslip such as allowances or expense refunds.":"Več neto plače od pričakovane: poglej vrstice zgoraj ali dodatke na plačilni listi, kot so nadomestila ali povračila stroškov.","Less net pay than expected: see the lines above, or other deductions such as a company pension, union fee or meal vouchers.":"Manj neto plače od pričakovane: poglej vrstice zgoraj ali druge odtegljaje, kot so pokojnina delodajalca, sindikalna članarina ali boni za prehrano.","Higher than the rules give for this gross. Common reasons: the higher rate of heavy and unhealthy occupations (BAE), contributions to an occupational fund (TEA), or other deductions listed with EFKA.":"Višji, kot jih dajejo pravila za ta bruto. Pogosti razlogi: višja stopnja za težka in zdravju škodljiva dela (BAE), prispevki v poklicni pokojninski sklad (TEA) ali drugi odtegljaji, navedeni pri EFKA.","Lower than the rules give. Common reasons: pay above the EFKA ceiling, a contribution-relief scheme, or allowances that carry no contributions.":"Nižji, kot jih dajejo pravila. Pogosti razlogi: plača nad zgornjo mejo EFKA, program znižanja prispevkov ali dodatki brez prispevkov.","Higher than expected. Common reasons: fewer dependent children registered with your employer than set in this tab, extra pay this month (bonus, overtime), benefits in kind such as a company car, or a second employer at the same time.":"Višja od pričakovane. Pogosti razlogi: delodajalcu je prijavljenih manj vzdrževanih otrok, kot je nastavljeno na tem zavihku, dodatno plačilo ta mesec (bonus, nadure), bonitete, kot je službeni avto, ali drugi delodajalec hkrati.","Lower than expected. Common reasons: more dependent children registered with your employer, the 50% relief for people who moved their tax residence to Greece (art. 5C), or tax-free allowances.":"Nižja od pričakovane. Pogosti razlogi: delodajalcu je prijavljenih več vzdrževanih otrok, 50-odstotna olajšava za osebe, ki so davčno rezidentstvo preselile v Grčijo (čl. 5C), ali neobdavčeni dodatki.","Check your payslip":"Preveri svojo plačilno listo","Type the figures from one payslip: they are compared with the {y} rules for the situation set in this tab, with the same calculation as the breakdown above. Nothing is saved or sent.":"Vnesi zneske z ene plačilne liste: primerjajo se s pravili za leto {y} za položaj, nastavljen na tem zavihku, z enakim izračunom kot razčlenitev zgoraj. Nič se ne shrani ali pošlje.","Payslip for":"Plačilna lista za","EFKA deducted":"Odtegnjen EFKA","Social security deducted":"Odtegnjeni prispevki","Income tax deducted":"Odtegnjena dohodnina","Net pay received":"Izplačana neto plača","Add up all lines of a kind, for example wage tax + solidarity surcharge + church tax. Leave a box empty to skip it; an empty gross uses this tab’s salary.":"Seštej vse vrstice iste vrste, na primer akontacijo dohodnine + druge davke. Polje pusti prazno, če ga želiš preskočiti; prazen bruto uporabi plačo s tega zavihka.","Type at least one deduction or the net pay from your payslip to check it.":"Za preverjanje vnesi vsaj en odtegljaj ali neto znesek s plačilne liste.","Other deductions":"Drugi odtegljaji","Other additions":"Drugi dodatki","✓ Your payslip matches the rules for this gross.":"✓ Tvoja plačilna lista se ujema s pravili za ta bruto.","✗ Large difference: {list}.":"✗ Velika razlika: {list}.","⚠ Small difference: {list}.":"⚠ Majhna razlika: {list}.","See what to check below.":"Spodaj poglej, kaj preveriti.","Personal tax or insurance details often explain it.":"Pogosto jo pojasnijo osebni davčni ali zavarovalni podatki.","Your payslip":"Tvoja plačilna lista","Expected":"Pričakovano","the difference ({d}) comes from the other items on the payslip, below.":"razlika ({d}) izhaja iz drugih postavk plačilne liste, spodaj.","Not tax or social security: for example a company pension, union fee, meal vouchers or a salary advance (deductions), or allowances and expense refunds (additions). They are not checked here.":"Ne davek ne prispevki: na primer pokojnina delodajalca, sindikalna članarina, boni za prehrano ali predujem plače (odtegljaji) ali nadomestila in povračila stroškov (dodatki). Tu se ne preverjajo.","Together, tax and social security match: your payslip probably lists some lines under another heading (for example a solidarity or church tax among the contributions).":"Skupaj se davek in prispevki ujemajo: tvoja plačilna lista verjetno navaja nekatere vrstice pod drugim naslovom (na primer solidarnostni prispevek ali cerkveni davek med prispevki).","What to check":"Kaj preveriti","The check uses the gross on your payslip ({g}); the rest of this tab uses {b}.":"Preverjanje uporablja bruto s tvoje plačilne liste ({g}); preostali del zavihka uporablja {b}.","With {n} salaries a year the expected figures are the average of all of them; where the extra salaries are taxed differently, a regular month can be a little higher or lower.":"Pri {n} plačah na leto so pričakovani zneski povprečje vseh; kjer so dodatne plače obdavčene drugače, je lahko običajni mesec malo višji ali nižji.","Estimates for information only: the expected figures use the options in this tab (tax class, children, region and so on). If a line still looks wrong, ask your payroll department, which has to explain every deduction.":"Samo informativne ocene: pričakovani zneski uporabljajo možnosti na tem zavihku (davčni razred, otroci, regija itd.). Če se vrstica še vedno zdi napačna, vprašaj obračun plač, ki mora pojasniti vsak odtegljaj.","Expected deductions for this gross":"Pričakovani odtegljaji za ta bruto","Expected net pay":"Pričakovana neto plača","Net pay plus the benefits that matter: meal vouchers, group health insurance, other perks, commuting cost and extra leave. Empty gross for Offer A uses your current salary.":"Neto plača in ugodnosti, ki štejejo: boni za prehrano, skupinsko zdravstveno zavarovanje, druge ugodnosti, stroški prevoza in dodatni dopust. Prazen bruto pri ponudbi A uporabi tvojo sedanjo plačo.","Regular age 67 (born 1964+); 66 and 2–10 months for those born 1959–1963 (66 and 4 months for 1960). Minimum 5 years. From 63 with 35 years: −0.3% for each month before the regular age (max 14.4%). With 45 years: no cut from 65 (64 and 2–10 months for those born 1959–1963). Working past the regular age adds 0.5% per month.":"Redna starost 67 (letnik 1964+); 66 let in 2–10 mesecev za letnike 1959–1963 (66 let in 4 mesece za letnik 1960). Najmanj 5 let. Od 63 s 35 leti: −0,3 % za vsak mesec pred redno starostjo (največ 14,4 %). S 45 leti: brez znižanja od 65 (64 let in 2–10 mesecev za letnike 1959–1963). Delo po redni starosti doda 0,5 % na mesec.","Same purchasing power as in {a}":"Enaka kupna moč kot leta {a}","Regular pension age, born 1960 (months: 66 years and 4 months)":"Redna upokojitvena starost, letnik 1960 (meseci: 66 let in 4 meseci)","Early pension at 63 with 35 years, born 1963: cut":"Predčasna pokojnina pri 63 s 35 leti, letnik 1963: znižanje","This tab has no result to save as an image yet.":"Ta zavihek še nima rezultata, ki bi ga lahko shranili kot sliko.","Estimate with the rules in the calculator. Not financial advice.":"Ocena po pravilih kalkulatorja. Ni finančni nasvet.","Check your answers first, then save your score as an image.":"Najprej preveri odgovore, nato shrani rezultat kot sliko.","Level: {l}":"Raven: {l}","How well do you know {c}?":"{c}: koliko veš?","Take the quiz: {u}":"Reši kviz: {u}","Questions from official statistics and the rules of the calculators.":"Vprašanja iz uradne statistike in pravil kalkulatorjev.","{g} gross a year: what you keep":"{g} bruto na leto: koliko ti ostane","Net pay a year, in what it buys at {c} prices":"Neto na leto v kupni moči (cene: {c})","Net pay a year, in euros":"Neto na leto, v evrih","Job offer comparison":"Primerjava zaposlitvenih ponudb","{o}: +{v} a year":"{o}: +{v} na leto","Free · No sign-up · Rules from official sources":"Brezplačno · Brez registracije · Pravila iz uradnih virov","Picture size":"Velikost slike","Square · posts":"Kvadratna · objave","Tall · stories":"Pokončna · zgodbe","Download picture":"Prenesi sliko","Made in your browser: nothing is sent anywhere.":"Narejeno v tvojem brskalniku: nič se ne pošlje nikamor.","Save as image":"Shrani kot sliko","Share my score":"Deli moj rezultat","Can you beat my score?":"Ti uspe preseči moj rezultat?","National holidays on weekdays in 2026 (Delhi)":"Državni prazniki na delovne dni v letu 2026 (Delhi)","Annual leave for a full year on a 6-day week (days, national minimum)":"Letni dopust za celo leto pri šestdnevnem tednu (dnevi, državni minimum)","Maharashtra: fixed paid holidays on weekdays in 2026":"Maharaštra: stalni plačani prazniki na delovne dni v letu 2026","Maharashtra: leave days on a 5-day week (earned + casual + 4 agreed holidays)":"Maharaštra: prosti dnevi pri petdnevnem tednu (dopust + občasni dopust + 4 dogovorjeni prazniki)","Stamp duty on a ₹1 crore home in Mumbai":"Kolkovina za stanovanje za ₹1 crore v Mumbaju","Registration fee on a ₹1 crore home in Mumbai (capped)":"Pristojbina za vpis stanovanja za ₹1 crore v Mumbaju (z zgornjo mejo)","Dubai Land Department fee on an AED 2,000,000 home":"Pristojbina Dubai Land Department za stanovanje za AED 2.000.000","Middle East":"Bližnji vzhod","Maharashtra (Mumbai, Pune)":"Maharaštra (Mumbaj, Pune)","Karnataka (Bengaluru)":"Karnataka (Bengaluru)","Tamil Nadu (Chennai)":"Tamil Nadu (Čenaj)","Telangana (Hyderabad)":"Telangana (Hajderabad)","West Bengal (Kolkata)":"Zahodna Bengalija (Kalkuta)","Gujarat (Ahmedabad)":"Gudžarat (Ahmadabad)","Delhi":"Delhi","Uttar Pradesh or Haryana (Noida, Gurugram)":"Utar Pradeš ali Harjana (Noida, Gurugram)","Other state (professional tax not included)":"Druga zvezna država (brez poklicnega davka)","EPF employee contribution 12% of basic pay":"Prispevek zaposlenega za EPF 12 % osnovne plače","EPF employee contribution 12% (wages up to ₹15,000 a month)":"Prispevek zaposlenega za EPF 12 % (plača do ₹15.000 na mesec)","ESIC 0.75% (pay up to ₹21,000 a month)":"ESIC 0,75 % (plača do ₹21.000 na mesec)","Professional tax (state)":"Poklicni davek (zvezna država)","Income tax (old regime)":"Dohodnina (stari sistem)","Income tax (new regime)":"Dohodnina (novi sistem)","Surcharge on high incomes":"Doplačilo za visoke dohodke","Health and education cess 4%":"Prispevek za zdravje in izobraževanje 4 %","Standard deduction":"Standardna olajšava","Deductions (professional tax, section 80C incl. EPF, others)":"Olajšave (poklicni davek, oddelek 80C z EPF, drugo)","Employer EPF, EPS, EDLI and ESIC":"Prispevki delodajalca EPF, EPS, EDLI in ESIC","You are not in the EPF, so there is no EPF savings or EPS pension. The National Pension System (Private pension tab) is the usual alternative.":"Nisi v EPF, zato ni prihrankov EPF niti pokojnine EPS. Običajna alternativa je National Pension System (zavihek Zasebna pokojnina).","EPS pension {e} a month ({s} years of pensionable service).":"Pokojnina EPS {e} na mesec ({s} let pokojninske dobe).","No EPS pension: it needs at least 10 years of service (shorter service gives a lump sum instead).":"Brez pokojnine EPS: potrebnih je vsaj 10 let delovne dobe (za krajšo dobo se izplača enkratni znesek).","No EPS pension before 50.":"Brez pokojnine EPS pred 50. letom.","No EPS pension: members who joined after August 2014 with basic pay above ₹15,000 are not in the scheme.":"Brez pokojnine EPS: kdor se je vključil po avgustu 2014 z osnovno plačo nad ₹15.000, ni v sistemu.","EPF savings of about {b}, shown as {m} a month if drawn down evenly over your life expectancy (3% real return assumed); EPF withdrawals after 5 years of membership are tax-free.":"Prihranki EPF približno {b}, prikazani kot {m} na mesec ob enakomernem črpanju v pričakovani življenjski dobi (predpostavljen realni donos 3 %); izplačila iz EPF po 5 letih članstva so oproščena davka.","EPF savings of about {b} can be withdrawn on retirement from 55.":"Prihranke EPF v višini približno {b} lahko dvigneš ob upokojitvi od 55. leta.","No social security for the self-employed (NPS is voluntary)":"Brez socialnega zavarovanja za samozaposlene (NPS je prostovoljen)","Retrenchment compensation (15 days’ wages per year of service; tax-free up to ₹5 lakh)":"Odpravnina ob zmanjšanju števila delavcev (15 dnevnih plač na leto delovne dobe; neobdavčena do ₹5 lakh)","Worker Re-skilling Fund (15 days’ wages, paid within 45 days)":"Worker Re-skilling Fund (15 dnevnih plač, izplačilo v 45 dneh)","Gratuity (15 days’ wages per year of service; tax-free up to ₹20 lakh)":"Gratuity (15 dnevnih plač na leto delovne dobe; neobdavčeno do ₹20 lakh)","1 month (or pay instead)":"1 mesec (ali plača namesto tega)","As in your contract (often 1–3 months)":"Po tvoji pogodbi (pogosto 1–3 mesece)","Industrial Relations Code s. 70":"Industrial Relations Code, člen 70","No general unemployment benefit. Workers insured with ESIC (pay up to ₹21,000 a month) may get a limited allowance from its schemes.":"Splošnega nadomestila za brezposelnost ni. Zavarovanci ESIC (plača do ₹21.000 na mesec) lahko iz njegovih programov dobijo omejeno nadomestilo.","Retrenchment (workers)":"Zmanjšanje števila delavcev (delavci)","15 days’ wages a year + 1 month’s notice":"15 dnevnih plač na leto + 1 mesec odpovednega roka","15 days’ wages a year (at most ₹20 lakh)":"15 dnevnih plač na leto (največ ₹20 lakh)","From 5 years (1 year on a fixed-term contract)":"Od 5 let (1 leto pri pogodbi za določen čas)","India":"Indija","New regime (default)":"Novi sistem (privzeto)","Old regime (with deductions)":"Stari sistem (z olajšavami)","State (professional tax)":"Zvezna država (poklicni davek)","Basic pay (% of gross)":"Osnovna plača (% bruto)","EPF contributions":"Prispevki EPF","On wages up to ₹15,000 (₹1,800 a month)":"Od plače do ₹15.000 (₹1.800 na mesec)","On the full basic pay":"Od celotne osnovne plače","Not in the EPF":"Brez EPF","Other section 80C savings a year (old regime)":"Drugi prihranki po oddelku 80C na leto (stari sistem)","Other deductions a year: HRA, 80D, home loan interest (old regime)":"Druge olajšave na leto: HRA, 80D, obresti stanovanjskega kredita (stari sistem)","Member of the pension scheme EPS (joined before September 2014 or basic pay up to ₹15,000)":"Član pokojninskega sistema EPS (vstop pred septembrom 2014 ali osnovna plača do ₹15.000)","The new regime is the default: no tax up to ₹4 lakh, then 5% steps up to 30% above ₹24 lakh, and no tax at all when taxable income is ₹12 lakh or less (marginal relief just above). Salaried employees deduct a standard ₹75,000. The old regime has higher rates (5%, 20%, 30%) but keeps deductions such as section 80C (up to ₹1.5 lakh, including EPF), HRA, health insurance and home loan interest; you can choose it each year when you file. A 4% health and education cess is added, and a surcharge above ₹50 lakh.":"Novi sistem je privzet: brez davka do ₹4 lakh, nato razredi po 5 % do 30 % nad ₹24 lakh, in sploh brez davka, ko obdavčljivi dohodek ne presega ₹12 lakh (tik nad tem velja mejna olajšava). Zaposleni odštejejo fiksnih ₹75.000. Stari sistem ima višje stopnje (5 %, 20 %, 30 %), vendar ohrani olajšave, kot so oddelek 80C (do ₹1,5 lakh, vključno z EPF), HRA, zdravstveno zavarovanje in obresti stanovanjskega kredita; izbereš ga lahko vsako leto ob napovedi. Dodata se prispevek za zdravje in izobraževanje 4 % in nad ₹50 lakh doplačilo.","EPF, ESIC and professional tax":"EPF, ESIC in poklicni davek","You pay 12% of your wages (basic pay, at least half of your total pay under the Labour Codes) into the Employees’ Provident Fund and your employer pays 12%, of which up to ₹1,250 a month goes to the pension scheme EPS. Many employers pay only on the ₹15,000 wage ceiling (₹1,800 a month). ESIC health insurance (0.75% for you, 3.25% for the employer) applies when your pay is ₹21,000 a month or less. Most states charge a professional tax of up to ₹2,500 a year.":"Plačuješ 12 % plače (osnovna plača, po Labour Codes vsaj polovica celotnega plačila) v Employees’ Provident Fund, delodajalec pa 12 %, od tega do ₹1.250 na mesec v pokojninski sistem EPS. Veliko delodajalcev plačuje le od zgornje meje ₹15.000 (₹1.800 na mesec). Zdravstveno zavarovanje ESIC (0,75 % zate, 3,25 % za delodajalca) velja pri plači do ₹21.000 na mesec. Večina zveznih držav pobira poklicni davek do ₹2.500 na leto.","Workers are paid at least twice their normal rate of wages for overtime (Code on Wages 2019 and Occupational Safety, Health and Working Conditions Code 2020, in force since November 2025). Wages here are basic pay, at least half of the total pay. Normal hours are at most 8 a day and 48 a week; each state sets the overtime limit. Managers and supervisors follow their contract.":"Delavci za nadure dobijo vsaj dvakratnik redne plače (Code on Wages 2019 in Occupational Safety, Health and Working Conditions Code 2020, veljavna od novembra 2025). Plača je tu osnovna plača, vsaj polovica celotnega plačila. Redni delovni čas je največ 8 ur na dan in 48 na teden; vsaka zvezna država določi mejo nadur. Vodje in nadzorniki se ravnajo po svoji pogodbi.","Set by each state":"Določi vsaka zvezna država","×{f} of wages ({w} of pay)":"×{f} plače ({w} celotnega plačila)","Professionals with receipts up to ₹75 lakh can declare 50% of their receipts as profit (presumptive taxation) and pay income tax on it at the normal rates. There is no compulsory social security for the self-employed; the National Pension System is voluntary.":"Samostojni poklici s prejemki do ₹75 lakh lahko prijavijo 50 % prejemkov kot dobiček (pavšalna obdavčitev) in od tega plačajo dohodnino po rednih stopnjah. Obveznega socialnega zavarovanja za samozaposlene ni; National Pension System je prostovoljen.","EPS pension":"Pokojnina EPS","The Employees’ Pension Scheme pays pensionable salary (average of the last 60 months, at most ₹15,000) × years of service ÷ 70, with service counted up to 35 years and 2 extra years after 20 years: at most ₹7,500 and at least ₹1,000 a month. You need 10 years of service; the pension starts at 58, from 50 with 4% less for each year earlier, or up to 60 with 4% more a year. Members who joined after August 2014 with basic pay above ₹15,000 are not covered.":"Employees’ Pension Scheme izplačuje pokojninsko osnovo (povprečje zadnjih 60 mesecev, največ ₹15.000) × leta delovne dobe ÷ 70, pri čemer šteje največ 35 let, po 20 letih pa se prištejeta 2 leti: največ ₹7.500 in najmanj ₹1.000 na mesec. Potrebnih je 10 let delovne dobe; pokojnina se začne pri 58 letih, od 50. leta s 4 % manj za vsako leto prej ali do 60. leta s 4 % več na leto. Kdor se je vključil po avgustu 2014 z osnovno plačo nad ₹15.000, ni zajet.","EPF savings":"Prihranki EPF","Your 12% and the rest of the employer’s 12% build up in the Employees’ Provident Fund with yearly interest (8.25% for 2024-25). You can withdraw it on retirement from 55; withdrawals after 5 years of membership are tax-free. There is no general state pension.":"Tvojih 12 % in preostanek delodajalčevih 12 % se nabira v Employees’ Provident Fund z letnimi obrestmi (8,25 % za 2024-25). Dvigneš jih lahko ob upokojitvi od 55. leta; izplačila po 5 letih članstva so oproščena davka. Splošne državne pokojnine ni.","Old regime: your own NPS contributions give an extra deduction of up to ₹50,000 a year (section 80CCD(1B)), on top of the ₹1.5 lakh section 80C limit. Employer contributions up to 10% of your basic pay are tax-free.":"Stari sistem: tvoji lastni prispevki v NPS dajo dodatno olajšavo do ₹50.000 na leto (oddelek 80CCD(1B)), poleg meje ₹1,5 lakh iz oddelka 80C. Prispevki delodajalca do 10 % tvoje osnovne plače so neobdavčeni.","New regime: your own NPS contributions get no tax relief, but employer contributions up to 14% of your basic pay are tax-free (section 80CCD(2)).":"Novi sistem: tvoji lastni prispevki v NPS nimajo davčne olajšave, prispevki delodajalca do 14 % tvoje osnovne plače pa so neobdavčeni (oddelek 80CCD(2)).","National Pension System (NPS): employer contributions up to 14% of basic pay are tax-free (10% in the old regime, where your own contributions also get up to ₹50,000 of extra deduction). From 60 you can take up to 80% as a lump sum (60% of the fund is tax-free) and the rest buys an annuity taxed as income. Gains in equity funds are taxed at 12.5% above ₹1.25 lakh a year.":"National Pension System (NPS): prispevki delodajalca do 14 % osnovne plače so neobdavčeni (10 % v starem sistemu, kjer tudi tvoji lastni prispevki dajo do ₹50.000 dodatne olajšave). Od 60. leta lahko dvigneš do 80 % v enkratnem znesku (60 % sklada je neobdavčenih), s preostankom pa se kupi renta, obdavčena kot dohodek. Dobički delniških skladov so nad ₹1,25 lakh na leto obdavčeni s 12,5 %.","Gandhi Jayanti":"Gandhi Jayanti","Maharashtra Day":"Dan Maharaštre","The Occupational Safety, Health and Working Conditions Code gives 1 day of paid annual leave for every 20 days worked once you have worked 180 days in a year (about 12 days on a 5-day week, 15 on a 6-day week). In Maharashtra the Shops and Establishments Act adds 8 days of casual leave and 8 paid festival holidays: 26 January, 1 May, 15 August, 2 October and 4 you agree with your employer, so the leave figure there includes the casual leave and those 4 holidays. Other states: only the national minimum and the 3 national holidays (Republic Day, Independence Day, Gandhi Jayanti) are shown; state laws and contracts usually add casual leave and festival holidays.":"Occupational Safety, Health and Working Conditions Code daje 1 dan plačanega letnega dopusta za vsakih 20 delovnih dni, ko v letu opraviš 180 delovnih dni (približno 12 dni pri petdnevnem tednu, 15 pri šestdnevnem). V Maharaštri Shops and Establishments Act doda 8 dni občasnega dopusta in 8 plačanih praznikov: 26. januar, 1. maj, 15. avgust, 2. oktober in 4, ki se jih dogovoriš z delodajalcem; število dni dopusta tam zato vključuje občasni dopust in te 4 praznike. Druge zvezne države: prikazana sta le državni minimum in 3 državni prazniki (dan republike, dan neodvisnosti, Gandhi Jayanti); zakoni zveznih držav in pogodbe običajno dodajo občasni dopust in verske praznike.","26 weeks (12 weeks from the third child)":"26 tednov (od tretjega otroka 12 tednov)","Full pay (after 80 days of work in the last year)":"Polna plača (po 80 delovnih dneh v zadnjem letu)","None by law in the private sector":"V zasebnem sektorju po zakonu ni","By employer policy":"Po pravilih delodajalca","Set by state law and contracts (often 7–12 days a year)":"Določajo zakon zvezne države in pogodbe (pogosto 7–12 dni na leto)","ESIC pays 70% of wages for up to 91 days if your pay is up to ₹21,000":"ESIC plačuje 70 % plače do 91 dni, če je tvoja plača do ₹21.000","Retrenched (worker with at least 1 year of service)":"Zmanjšanje števila delavcev (delavec z vsaj 1 letom delovne dobe)","Let go as a manager or supervisor":"Prenehanje pogodbe vodje ali nadzornika","Fixed-term contract ends":"Iztek pogodbe za določen čas","After 5 years of continuous service (1 year on a fixed-term contract) you get 15 days’ wages for each year: wages × 15 ÷ 26 × years, where a part year of more than 6 months counts as a full year. Wages are basic pay, at least half of your total pay. It is paid whether you resign, retire or are let go (not after dismissal for serious misconduct), at most ₹20 lakh, and is tax-free up to that amount.":"Po 5 letih neprekinjenega dela (1 letu pri pogodbi za določen čas) dobiš 15 dnevnih plač za vsako leto: plača × 15 ÷ 26 × leta, pri čemer se del leta, daljši od 6 mesecev, šteje kot celo leto. Plača je osnovna plača, vsaj polovica celotnega plačila. Izplača se ob odpovedi s tvoje strani, upokojitvi ali odpovedi delodajalca (ne po odpovedi zaradi hujše kršitve), največ ₹20 lakh, in je do tega zneska neobdavčena.","Retrenchment":"Zmanjšanje števila delavcev","Workers (not managers or supervisors) with at least a year of service get one month’s notice or pay instead, 15 days’ wages for each year of service (tax-free up to ₹5 lakh) and another 15 days’ wages from the Worker Re-skilling Fund. Large establishments (300 or more workers) need government permission. There is no general unemployment benefit; ESIC schemes help some low-paid insured workers for a limited time.":"Delavci (ne vodje ali nadzorniki) z vsaj letom delovne dobe dobijo mesec odpovednega roka ali plačo namesto tega, 15 dnevnih plač za vsako leto delovne dobe (neobdavčeno do ₹5 lakh) in še 15 dnevnih plač iz Worker Re-skilling Fund. Veliki obrati (300 delavcev ali več) potrebujejo dovoljenje oblasti. Splošnega nadomestila za brezposelnost ni; programi ESIC omejen čas pomagajo nekaterim slabše plačanim zavarovancem.","With your figures the {r} would leave you <b>{d}</b> more a year. Salaried employees can choose their regime each year when they file.":"Pri tvojih podatkih bi ti {r} pustil <b>{d}</b> več na leto. Zaposleni lahko sistem izberejo vsako leto ob napovedi.","new regime":"novi sistem","old regime":"stari sistem","Your regime is the better one with your figures: the {r} would cost you <b>{d}</b> more a year.":"Pri tvojih podatkih je tvoj sistem boljši: {r} bi te stal <b>{d}</b> več na leto.","An employer NPS contribution of up to 14% of your basic pay is tax-free even in the new regime, so asking for part of your pay that way can raise your take-home pay.":"Prispevek delodajalca v NPS do 14 % tvoje osnovne plače je neobdavčen tudi v novem sistemu, zato lahko z izplačilom dela plačila na ta način povečaš neto plačo.","Spouses are taxed separately and there is no child allowance in the new regime; in the old regime school fees for up to two children count towards section 80C.":"Zakonca sta obdavčena ločeno, novi sistem pa nima olajšave za otroke; v starem sistemu se šolnine za največ dva otroka štejejo v oddelek 80C.","Retrenchment 15 days’ wages a year + gratuity after 5 years":"Zmanjšanje števila delavcev 15 dnevnih plač na leto + gratuity po 5 letih","26 weeks at full pay":"26 tednov s polno plačo","By state law (often 7–12 days)":"Po zakonu zvezne države (pogosto 7–12 dni)","Yearly EPF, ESIC, professional tax and income tax for one salaried employee in FY 2026-27 (April 2026 to March 2027). The old regime uses only the deductions you enter; HRA exemption rules, perquisites, the employer’s admin minimums, Labour Welfare Fund, the higher EPS pension option and women’s professional tax exemptions are not modelled.":"Letni EPF, ESIC, poklicni davek in dohodnina za eno zaposleno osebo v davčnem letu 2026-27 (april 2026 – marec 2027). Stari sistem upošteva le olajšave, ki jih vneseš; pravila oprostitve HRA, bonitete, minimalne upravne pristojbine delodajalca, Labour Welfare Fund, možnost višje pokojnine EPS in oprostitve poklicnega davka za ženske niso upoštevani.","Official sources: Income Tax Department (tax slabs and rebate for FY 2026-27), EPFO (EPF and EPS contributions, EPS-95 pension), ESIC (contribution rates and wage limit), Ministry of Labour and Employment (Labour Codes in force since 21 November 2025: wages, leave, overtime, gratuity, retrenchment), state professional tax laws, Reserve Bank of India (housing loan limits), MoSPI (consumer prices, household consumption survey 2023-24), World Bank ICP (price levels).":"Uradni viri: Income Tax Department (razredi in olajšava 2026-27), EPFO (prispevki EPF in EPS, pokojnina EPS-95), ESIC (stopnje in zgornja meja plače), Ministry of Labour and Employment (Labour Codes, veljavni od 21. novembra 2025: plače, dopust, nadure, gratuity, zmanjšanje števila delavcev), zakoni zveznih držav o poklicnem davku, Reserve Bank of India (meje stanovanjskih kreditov), MoSPI (cene življenjskih potrebščin, raziskava o porabi gospodinjstev 2023-24), Svetovna banka ICP (ravni cen).","New-regime tax on ₹14.25 lakh of taxable income (incl. 4% cess)":"Davek v novem sistemu od ₹14,25 lakh obdavčljivega dohodka (s 4-odstotnim prispevkom)","Tax on ₹12.1 lakh of taxable income after marginal relief (incl. cess)":"Davek od ₹12,1 lakh obdavčljivega dohodka po mejni olajšavi (s prispevkom)","Old-regime tax on ₹10 lakh of taxable income (under 60, incl. cess)":"Davek v starem sistemu od ₹10 lakh obdavčljivega dohodka (pod 60 let, s prispevkom)","New-regime tax on ₹51 lakh with surcharge marginal relief":"Davek v novem sistemu od ₹51 lakh z mejno olajšavo doplačila","EPF employee contribution at the ₹15,000 wage ceiling (a month)":"Prispevek zaposlenega za EPF pri zgornji meji ₹15.000 (na mesec)","Employer share going to EPS (a month)":"Delodajalčev delež, ki gre v EPS (na mesec)","Maximum EPS pension (₹15,000, 35 years)":"Najvišja pokojnina EPS (₹15.000, 35 let)","EPS minimum pension after 10 years on ₹5,000":"Najnižja pokojnina EPS po 10 letih s ₹5.000","Gratuity after 10 years on ₹30,000 wages":"Gratuity po 10 letih pri plači ₹30.000","Gratuity cap":"Zgornja meja gratuity","GPSSA pension contribution 11%":"Pokojninski prispevek GPSSA 11 %","ILOE unemployment insurance premium":"Premija zavarovanja za brezposelnost ILOE","Income tax (none in the UAE)":"Dohodnina (v ZAE je ni)","Basic salary (used for gratuity and overtime)":"Osnovna plača (za odpravnino in nadure)","Employer GPSSA contribution":"Prispevek delodajalca GPSSA","Expatriates build no state pension in the UAE. Your end-of-service gratuity (Termination tab) is paid when you leave a job, and your home country’s pension may count earlier years.":"S tujim državljanstvom v ZAE ne pridobiš državne pokojnine. Tvoja odpravnina ob koncu zaposlitve (zavihek Odpoved) se izplača, ko zapustiš službo, pokojnina v tvoji matični državi pa lahko upošteva prejšnja leta.","A GPSSA pension needs at least 15 years of contributions; with fewer years you get an end-of-service gratuity instead.":"Pokojnina GPSSA zahteva vsaj 15 let prispevkov; z manj leti namesto nje dobiš odpravnino ob koncu zaposlitve.","The pension starts at 60, or from 55 once you have 30 years of contributions.":"Pokojnina se začne pri 60 letih ali od 55. leta, ko imaš 30 let prispevkov.","GPSSA pension: {p} of your average contribution salary of the last 6 years ({s} a month) after {y} years of contributions. No income tax is due on it.":"Pokojnina GPSSA: {p} tvoje povprečne osnove za prispevke v zadnjih 6 letih ({s} na mesec) po {y} letih prispevkov. Dohodnine od nje ni.","End-of-service gratuity (21 days’ basic salary a year for 5 years, then 30 days)":"Odpravnina ob koncu zaposlitve (21 dni osnovne plače na leto 5 let, nato 30 dni)","ILOE: {m} a month (60% of your basic salary, capped) for up to 3 months, if you subscribed for at least 12 months":"ILOE: {m} na mesec (60 % tvoje osnovne plače, z zgornjo mejo) do 3 mesece po vsaj 12 mesecih zavarovanja","ILOE does not pay after a resignation":"ILOE po odpovedi s tvoje strani ne plača","30 to 90 days, as in your contract":"30 do 90 dni, po tvoji pogodbi","Gratuity per year (basic salary)":"Odpravnina na leto (osnovna plača)","21 days":"21 dni","30 days (total at most 2 years’ wage)":"30 dni (skupaj največ 2 letni plači)","Labour law art. 43":"Zakon o delu, člen 43","Eid al-Fitr holiday":"Praznik eid al-fitr","Arafat Day":"Dan Arafata","Eid al-Adha holiday":"Praznik eid al-adha","Islamic New Year":"Islamsko novo leto","Prophet Muhammad’s birthday":"Rojstni dan preroka Mohameda","National Day (Eid Al Etihad)":"Državni praznik (Eid Al Etihad)","National Day holiday":"Prost dan ob državnem prazniku","United Arab Emirates":"Združeni arabski emirati","Nationality":"Državljanstvo","Expatriate":"Tuje državljanstvo","UAE national (GPSSA, insured from 31 October 2023)":"Državljanstvo ZAE (GPSSA, zavarovanje od 31. oktobra 2023)","Basic salary (% of gross)":"Osnovna plača (% bruto)","No income tax":"Brez dohodnine","The UAE has no personal income tax on salaries, so your take-home pay is your gross pay less any pension contribution and the small ILOE premium. Salaries are usually split into basic salary and allowances (housing, transport); the basic salary sets your gratuity and overtime pay.":"ZAE nimajo dohodnine na plače, zato je tvoja neto plača bruto plača, zmanjšana za morebitni pokojninski prispevek in majhno premijo ILOE. Plača se običajno deli na osnovno plačo in dodatke (stanovanje, prevoz); osnovna plača določa odpravnino in plačilo nadur.","Pension contributions (Emiratis)":"Pokojninski prispevki (državljani ZAE)","UAE nationals in the private sector insured from 31 October 2023 pay 11% of their contract salary (AED 3,000 to AED 70,000 a month) to the GPSSA and their employer 15%, of which the government pays 2.5 points below AED 20,000. Those insured earlier pay 5% under the old law. Expatriates pay no pension contributions.":"Državljani ZAE v zasebnem sektorju, zavarovani od 31. oktobra 2023, plačujejo 11 % pogodbene plače (AED 3.000 do AED 70.000 na mesec) GPSSA, delodajalec pa 15 %, od česar država pod AED 20.000 plača 2,5 točke. Prej zavarovani plačujejo 5 % po starem zakonu. S tujim državljanstvom se pokojninski prispevki ne plačujejo.","Unemployment insurance (ILOE)":"Zavarovanje za brezposelnost (ILOE)","Every private-sector employee must subscribe to the Involuntary Loss of Employment scheme: AED 5 a month, or AED 10 when the basic salary is above AED 16,000.":"Vsak zaposleni v zasebnem sektorju se mora vključiti v program Involuntary Loss of Employment: AED 5 na mesec ali AED 10, če osnovna plača presega AED 16.000.","Overtime is paid at the hourly basic wage plus at least 25%, or plus 50% for overtime between 10 pm and 4 am (not for shift work). Work on your rest day gives another day off or the basic wage plus 50%. The hourly basic wage is the basic salary ÷ 30 ÷ daily hours. Overtime is at most 2 hours a day; normal hours are at most 8 a day and 48 a week.":"Nadure se plačajo po urni osnovni plači in vsaj 25 % več ali 50 % več za nadure med 22. in 4. uro (ne pri izmenskem delu). Delo na dan počitka da drug prost dan ali osnovno plačo in 50 % več. Urna osnovna plača je osnovna plača ÷ 30 ÷ dnevne ure. Nadure so največ 2 uri na dan; redni delovni čas je največ 8 ur na dan in 48 na teden.","+{p}% on basic pay":"+{p} % na osnovno plačo","Overtime between 10 pm and 4 am":"Nadure med 22. in 4. uro","Work on your rest day":"Delo na tvoj dan počitka","No social security for self-employed expatriates":"Brez socialnega zavarovanja za samozaposlene s tujim državljanstvom","Freelancers":"Svobodnjaki","There is no personal income tax. Individuals whose business turnover is above AED 1 million a year fall under the 9% corporate tax on profit above AED 375,000, but small business relief (revenue up to AED 3 million) removes it for tax periods ending by 31 December 2026. Freelancers need a freelance permit or a trade licence.":"Dohodnine za fizične osebe ni. Osebe s prometom nad AED 1 milijon na leto so zavezane davku od dohodkov pravnih oseb 9 % od dobička nad AED 375.000, vendar ga olajšava za mala podjetja (prihodki do AED 3 milijone) odpravi za davčna obdobja, ki se končajo najpozneje 31. decembra 2026. Svobodnjaki potrebujejo dovoljenje za samostojno delo ali trgovsko licenco.","GPSSA pension (Emiratis)":"Pokojnina GPSSA (državljani ZAE)","For Emiratis insured from 31 October 2023, the pension is 2.67% of the average contribution salary of the last 6 years for each year of contributions up to 30 years (80.1%), then 4% a year, reaching 100% at 35 years. It is paid from 60 with at least 15 years, or on request from 55 with 30 years; with fewer than 15 years you get an end-of-service gratuity instead. Mothers can retire earlier.":"Za državljane ZAE, zavarovane od 31. oktobra 2023, je pokojnina 2,67 % povprečne osnove za prispevke v zadnjih 6 letih za vsako leto prispevkov do 30 let (80,1 %), nato 4 % na leto, do 100 % po 35 letih. Izplačuje se od 60. leta z vsaj 15 leti ali na zahtevo od 55. leta s 30 leti; z manj kot 15 leti se namesto nje izplača odpravnina. Matere se lahko upokojijo prej.","Expatriates":"Tuje državljanstvo","Expatriates are not covered by the GPSSA and build no state pension. They receive the end-of-service gratuity when a job ends; some employers offer the voluntary end-of-service savings scheme instead.":"Osebe s tujim državljanstvom niso zajete v GPSSA in ne pridobijo državne pokojnine. Ob koncu zaposlitve dobijo odpravnino; nekateri delodajalci namesto tega ponujajo prostovoljni program varčevanja za odpravnino.","There is no income tax, so savings get no tax relief and withdrawals are not taxed.":"Dohodnine ni, zato varčevanje nima davčne olajšave in izplačila niso obdavčena.","With no income tax, a private plan has no tax advantage over investing yourself: compare the fees. Employers can pay the end-of-service gratuity into an approved savings fund under the voluntary scheme introduced in 2023.":"Brez dohodnine zasebni načrt nima davčne prednosti pred lastnim vlaganjem: primerjaj stroške. Delodajalci lahko odpravnino vplačujejo v odobren varčevalni sklad v okviru prostovoljnega programa iz leta 2023.","After a year of service you get 30 calendar days of paid annual leave (about 22 working days with a Saturday–Sunday weekend); between 6 and 12 months, 2 days a month. The official public holidays of 2026 are shown, including the Islamic holidays as announced; their dates follow the moon and are set each year.":"Po enem letu dela imaš 30 koledarskih dni plačanega letnega dopusta (približno 22 delovnih dni pri vikendu sobota–nedelja); med 6 in 12 meseci 2 dni na mesec. Prikazani so uradni prazniki leta 2026, vključno z islamskimi, kot so bili objavljeni; njihovi datumi sledijo luni in se določijo vsako leto.","60 days":"60 dni","45 days full pay, 15 days half pay":"45 dni polna plača, 15 dni pol plače","5 working days within 6 months of the birth":"5 delovnih dni v 6 mesecih po rojstvu","Up to 90 days a year after probation":"Do 90 dni na leto po poskusni dobi","15 days full pay, 30 days half pay, then unpaid":"15 dni polna plača, 30 dni pol plače, nato neplačano","Contract ends":"Iztek pogodbe","End-of-service gratuity":"Odpravnina ob koncu zaposlitve","Expatriates with at least a year of continuous service get 21 days of basic salary for each of the first 5 years and 30 days for each further year, pro rata for part years, at most two years’ wage. A day is the basic salary ÷ 30. It is paid however the contract ends, including a resignation. UAE nationals are covered by the pension law instead.":"Osebe s tujim državljanstvom in vsaj letom neprekinjenega dela dobijo 21 dni osnovne plače za vsako od prvih 5 let in 30 dni za vsako naslednje leto, sorazmerno za dele leta, največ dve letni plači. Dan je osnovna plača ÷ 30. Izplača se ne glede na to, kako se pogodba konča, tudi ob odpovedi s tvoje strani. Državljani ZAE so namesto tega zajeti v pokojninskem zakonu.","Notice and ILOE":"Odpovedni rok in ILOE","The notice period is 30 to 90 days, as agreed in the contract. If you lose your job (not by resignation or for misconduct) after at least 12 months in the ILOE scheme, it pays 60% of your average basic salary of the last 6 months, at most AED 10,000 a month (AED 20,000 when the basic salary is above AED 16,000), for up to 3 months.":"Odpovedni rok je 30 do 90 dni po pogodbi. Če izgubiš službo (ne z lastno odpovedjo ali zaradi kršitve) po vsaj 12 mesecih v ILOE, program izplačuje 60 % tvoje povprečne osnovne plače v zadnjih 6 mesecih, največ AED 10.000 na mesec (AED 20.000, če osnovna plača presega AED 16.000), do 3 mesece.","Your gratuity and overtime pay are based on your basic salary only, so the share of basic pay in your package matters as much as the total.":"Tvoja odpravnina in plačilo nadur temeljita le na osnovni plači, zato je delež osnovne plače v tvojem paketu enako pomemben kot skupni znesek.","As an expatriate you build no state pension here: saving part of your tax-free pay yourself is the main way to prepare for retirement.":"Brez državljanstva ZAE tu ne pridobiš državne pokojnine: lastno varčevanje dela neobdavčene plače je glavni način priprave na upokojitev.","There is no income tax, so a partner’s salary does not change your take-home pay.":"Dohodnine ni, zato plača partnerja ali partnerke ne spremeni tvoje neto plače.","Gratuity: 21–30 days’ basic salary per year":"Odpravnina: 21–30 dni osnovne plače na leto","30–90 days":"30–90 dni","60% of basic salary, 3 months":"60 % osnovne plače, 3 mesece","60 days (45 at full pay, 15 at half pay)":"60 dni (45 s polno, 15 s pol plače)","15 days full pay, 30 days half pay":"15 dni polna plača, 30 dni pol plače","Monthly take-home pay for one private-sector employee in 2026: no income tax, the ILOE premium and, for UAE nationals insured from 31 October 2023, the 11% GPSSA contribution. Emiratis insured under the old law (5%), Abu Dhabi’s own pension fund for its nationals, DIFC’s DEWS plan, VAT and fees are not modelled.":"Mesečna neto plača ene zaposlene osebe v zasebnem sektorju v letu 2026: brez dohodnine, s premijo ILOE in za državljane ZAE, zavarovane od 31. oktobra 2023, s prispevkom GPSSA 11 %. Državljani po starem zakonu (5 %), lastni pokojninski sklad Abu Dabija za njegove državljane, načrt DEWS v DIFC, DDV in pristojbine niso upoštevani.","Official sources: General Pension and Social Security Authority (Federal Decree-Law 57 of 2023: contributions and pension), Ministry of Human Resources and Emiratisation (Labour Law, Decree-Law 33 of 2021: leave, overtime, gratuity, notice; ILOE scheme), UAE Government portal (public holidays 2026), Federal Tax Authority (corporate tax and small business relief), Central Bank of the UAE (mortgage rules), Dubai Land Department (fees), Federal Competitiveness and Statistics Centre (consumer prices), World Bank ICP (price levels).":"Uradni viri: General Pension and Social Security Authority (zakonska uredba 57/2023: prispevki in pokojnina), Ministry of Human Resources and Emiratisation (zakon o delu, zakonska uredba 33/2021: dopust, nadure, odpravnina, odpovedni rok; program ILOE), vladni portal ZAE (prazniki 2026), Federal Tax Authority (davek od dohodkov pravnih oseb in olajšava za mala podjetja), centralna banka ZAE (pravila stanovanjskih kreditov), Dubai Land Department (pristojbine), Federal Competitiveness and Statistics Centre (cene življenjskih potrebščin), Svetovna banka ICP (ravni cen).","GPSSA employee contribution on AED 15,000 a month (UAE national)":"Prispevek zaposlenega GPSSA od AED 15.000 na mesec (državljanstvo ZAE)","Maximum GPSSA employee contribution (AED 70,000 ceiling)":"Najvišji prispevek zaposlenega GPSSA (zgornja meja AED 70.000)","GPSSA pension after 30 years on an average of AED 20,000":"Pokojnina GPSSA po 30 letih pri povprečju AED 20.000","GPSSA pension after 35 years on an average of AED 20,000":"Pokojnina GPSSA po 35 letih pri povprečju AED 20.000","Gratuity after 10 years on a basic salary of AED 10,000":"Odpravnina po 10 letih pri osnovni plači AED 10.000","Gratuity cap after 30 years (two years’ wage)":"Zgornja meja odpravnine po 30 letih (dve letni plači)","ILOE benefit for 3 months on a basic salary of AED 10,000":"Nadomestilo ILOE za 3 mesece pri osnovni plači AED 10.000","Maharashtra (6% + 1%)":"Maharaštra (6 % + 1 %)","Karnataka (about 5.6% + 1%)":"Karnataka (približno 5,6 % + 1 %)","Tamil Nadu (about 7% + 2%)":"Tamil Nadu (približno 7 % + 2 %)","Telangana (about 7.5%)":"Telangana (približno 7,5 %)","West Bengal (about 6–7% + 1%)":"Zahodna Bengalija (približno 6–7 % + 1 %)","Gujarat (about 4.9% + 1%)":"Gudžarat (približno 4,9 % + 1 %)","Delhi (6% + 1%)":"Delhi (6 % + 1 %)","Uttar Pradesh or Haryana (about 7% + 1%)":"Utar Pradeš ali Harjana (približno 7 % + 1 %)","Other state (estimate, 6% + 1%)":"Druga zvezna država (ocena, 6 % + 1 %)","Dubai":"Dubaj","Abu Dhabi":"Abu Dabi","Stamp duty {0}":"Kolkovina {0}","Registration fee 1% (at most ₹30,000)":"Pristojbina za vpis 1 % (največ ₹30.000)","Registration fee {0}":"Pristojbina za vpis {0}","Loan processing, legal and valuation fees (estimate, about 0.5% of the loan)":"Stroški obdelave, pravni stroški in ocena kredita (ocena, približno 0,5 % kredita)","Abu Dhabi transfer fee 2%":"Pristojbina za prenos v Abu Dabiju 2 %","Mortgage registration 0.1% of the loan":"Vpis hipoteke 0,1 % kredita","Agent commission and bank fees (estimate, about 3%)":"Provizija posrednika in bančni stroški (ocena, približno 3 %)","Dubai Land Department transfer fee 4% + AED 580":"Pristojbina za prenos Dubai Land Department 4 % + AED 580","Mortgage registration 0.25% of the loan + AED 290":"Vpis hipoteke 0,25 % kredita + AED 290","Trustee office fee incl. VAT":"Pristojbina pisarne trustee z DDV","Agent commission 2% + VAT (estimate)":"Provizija posrednika 2 % + DDV (ocena)","Bank arrangement and valuation fees (estimate, about 1% of the loan)":"Bančni stroški odobritve in ocene (ocena, približno 1 % kredita)","Not modelled: in the old tax regime up to ₹2 lakh of interest a year on a home you live in is deductible (section 24(b)) and repayments of the loan count towards the ₹1.5 lakh section 80C limit; the new regime gives no relief for a home you live in.":"Ni upoštevano: v starem davčnem sistemu lahko odšteješ do ₹2 lakh obresti na leto za stanovanje, v katerem živiš (oddelek 24(b)), odplačilo glavnice pa se šteje v mejo ₹1,5 lakh iz oddelka 80C; novi sistem za lastno stanovanje ne daje olajšave.","There is no income tax, so there is no relief on mortgage interest.":"Dohodnine ni, zato ni niti olajšave za obresti stanovanjskega kredita.","Reserve Bank of India: a housing loan can be at most 90% of the value for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above (stamp duty and registration not counted in the value). Banks also check that all loan payments stay within about 50–60% of your income.":"Reserve Bank of India: stanovanjski kredit je lahko največ 90 % vrednosti pri kreditih do ₹30 lakh, 80 % do ₹75 lakh in 75 % nad tem (kolkovina in vpis se ne štejeta v vrednost). Banke preverijo tudi, da vsi obroki ostanejo okoli 50–60 % tvojega dohodka.","Central Bank of the UAE: a first home loan can be at most 80% of the value for expatriates (70% above AED 5 million) and 85% for UAE nationals (75% above AED 5 million); 60% or 65% for a second home and 50% for off-plan homes. All debt payments at most 50% of income, and at most 25 years.":"Centralna banka ZAE: kredit za prvo stanovanje je lahko največ 80 % vrednosti pri tujem državljanstvu (70 % nad AED 5 milijonov) in 85 % za državljane ZAE (75 % nad AED 5 milijonov); 60 % ali 65 % za drugo stanovanje in 50 % za stanovanja v gradnji. Vsi obroki največ 50 % dohodka in največ 25 let.","The old regime uses only the deductions you enter (HRA exemption, health insurance and home loan interest must be typed in), and professional tax follows the state you choose.":"Stari sistem upošteva le olajšave, ki jih vneseš (oprostitev HRA, zdravstveno zavarovanje in obresti stanovanjskega kredita je treba vnesti), poklicni davek pa sledi izbrani zvezni državi.","EPF savings are projected with a 3% real return (EPF interest has been about 8–8.65% a year) and shown as a monthly amount; the higher EPS pension on actual pay and the lump sums for less than 10 years of service are not modelled. Your EPFO passbook gives your real balance.":"Prihranki EPF so projicirani z realnim donosom 3 % (obresti EPF so bile približno 8–8,65 % na leto) in prikazani kot mesečni znesek; višja pokojnina EPS od dejanske plače in enkratni zneski za manj kot 10 let delovne dobe niso upoštevani. Tvoj izpisek EPFO kaže dejansko stanje.","Expatriates have no state pension. For UAE nationals the rules for people insured before 31 October 2023, the earlier ages for mothers and Abu Dhabi’s own pension fund are not modelled.":"S tujim državljanstvom ni državne pokojnine. Za državljane ZAE niso upoštevana pravila za zavarovane pred 31. oktobrom 2023, nižja starost za matere in lastni pokojninski sklad Abu Dabija.","Gratuity and retrenchment use your basic pay as wages (at least half of your pay) and a day as wages ÷ 26. The law does not fix the divisor for retrenchment and some employers use ÷ 30, which gives 13% less. State laws, standing orders and contracts can give longer notice, and unused leave encashment is tax-free up to ₹25 lakh.":"Gratuity in odpravnina ob zmanjšanju števila delavcev štejeta za plačo tvojo osnovno plačo (vsaj polovico celotnega plačila), za dan pa plačo ÷ 26. Zakon delitelja za zmanjšanje števila delavcev ne določa in nekateri delodajalci uporabljajo ÷ 30, kar da 13 % manj. Zakoni zveznih držav, pravilniki o delu in pogodbe lahko določajo daljši odpovedni rok, izplačilo neizrabljenega dopusta pa je neobdavčeno do ₹25 lakh.","The gratuity counts a day as the basic salary ÷ 30; some employers use basic × 12 ÷ 365, which gives about 1% less. Unpaid leave and days of absence are not deducted from the service.":"Odpravnina šteje dan kot osnovno plačo ÷ 30; nekateri delodajalci uporabljajo osnovno plačo × 12 ÷ 365, kar da približno 1 % manj. Neplačani dopust in odsotnosti se ne odštejejo od delovne dobe.","Your NPS contributions":"Tvoji prispevki v NPS","Questions":"Vprašanja"}