Insolvency instalment calculator 2026
Find out your monthly instalment in debt relief (insolvency) by a repayment schedule, how much goes to creditors and how much you keep. Calculation under the 2026 rules.
Inputs
Monthly instalment (deducted from income)
— CZK
Instalment split
- Insolvency trustee fee
- —
- To unsecured creditors / month
- —
- To creditors over 3 years
- —
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How does debt relief by a repayment schedule work?
In debt relief (insolvency) by a repayment schedule with realisation of assets, the debtor pays each month the same amount that would be deducted in an enforcement for priority claims. From this amount the insolvency trustee's fee and expenses and any current maintenance are paid first; the rest is distributed to unsecured creditors. The debtor always keeps the non-seizable amount.
Debt relief usually lasts 3 years (36 months). The trustee fee is CZK 1,089 per month (CZK 1,633.50 for joint debt relief of spouses) incl. VAT. For the court to approve it, the debtor must generally be able to pay creditors at least as much as the trustee fee.
Official sources
For guidance only, under the 2026 rules. See also the wage garnishment calculator.
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