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Why Vendy? Calculators About me FAQ Česky 🌐 Book a consultation β†’

Financial advisory for young families and individuals

Want your own home, budget clarity,
and a plan that actually makes sense?

I help young families and individuals get their finances in order so they know what they can afford and when we'll get there. Together, without the stress.

🏑 Own a home πŸ‘¨β€πŸ‘©β€πŸ‘§ Family finances πŸ“ˆ Investments πŸ’° Budget πŸ›‘οΈ Insurance
Vendula β€” Vendy Finance
6+
years of experience
Free
free consultation

"You can see she puts her heart and soul into her work."

β€” BΓ‘ra, MΔ›lnΓ­k

Finances work
only when they
make sense together

🧩

I don't just focus on numbers and rates

It's not just about finding the lowest rate. What matters most is whether you can comfortably manage your mortgage and budget in 3 years β€” when kids arrive, jobs change, or life takes a new direction.

🀝

A human approach

I explain everything in plain, human terms β€” no unnecessary jargon.

πŸ’š

Your interests come first

As an independent advisor, your goals and your family are what matter to me. We find the best solution for you β€” not for commissions.

"Goals without a plan are just wishes.
A plan without goals is just a spreadsheet.
Meaning lives somewhere in between."

πŸ“… Book a consultation Try the calculators

Numbers speak
louder than assumptions

Choose the area that interests you right now. Try different scenarios and see how the numbers change.

πŸ“ˆ
Investment Calculator Calculate the future value of your investments
Show
β–Ύ
Planned investment duration 20 years
1 yr40 yrs
Risk profile 8
The higher the risk profile, the more your investment return or loss may fluctuate over time.

Expected value at the end of the investment period

–

–

Contributions
Expected value
Optimistic scenario
Pessimistic scenario

πŸ’¬ Want to make the most out of your savings?

Real returns depend on choosing the right instruments, your risk profile, and investment horizon. Let's find a strategy that works for you and lets you sleep at night.

🏠
Mortgage Calculator Calculate your monthly mortgage payment
Show
β–Ύ
Mortgage amount 3 000 000 CZK
500 000 CZK15 000 000 CZK
Interest rate 5.5 %
1 %10 %
Repayment period 25 years
5 yrs35 yrs

Monthly payment

–

Total amount paid
–
Total interest paid
–
Principal repaid
Interest paid

πŸ’¬ Thinking about buying your own home?

The interest rate is just the beginning. What matters is finding the bank that offers you the best deal and setting repayments you can handle even years from now as life changes.

⏱️
50/30/20 Rule Optimal budget allocation
Show
β–Ύ
Net monthly income 50 000 CZK
15 000 CZK200 000 CZK

Your monthly income

–

–
total

πŸ’¬ Money disappears and you don't know where?

Setting up a budget is the first step. Sticking to it is the second. Together we'll find where the money leaks and build a system that doesn't restrict you β€” it gives you financial freedom.

🎯
Savings Calculator When will you reach your goal?
Show
β–Ύ
Target amount 500 000 CZK
50 000 CZK5 000 000 CZK
Already saved 50 000 CZK
0 CZK1 000 000 CZK
Monthly savings 5 000 CZK
500 CZK50 000 CZK
Interest rate 4.0 %
0 %10 %

You will reach your goal in

–

Target amount
–
Monthly savings
–

πŸ’¬ Do you have dreams worth saving for?

Whether it's a car, a wedding, or a rainy-day fund, with a clear plan and the right product you'll get there much faster and more efficiently than with a plain bank account.

πŸ›‘οΈ
Insurance Calculator How much should your insurance cover?
Show
β–Ύ
Net monthly income 50 000 CZK
15 000 CZK200 000 CZK
Years of income to replace 10 yrs
3 yrs20 yrs
Number of dependants 2
05
Total debts 500 000 CZK
0 CZK10 000 000 CZK

RECOMMENDED LIFE INSURANCE

0 CZK

πŸ’‘ Rule of thumb: Insure for 10–12Γ— annual income + debts

πŸ’¬ Want peace of mind if something goes wrong?

Insurance isn't about paying the most β€” it's about covering the right risks: income loss, disability, or serious illness. Let's check if you're paying for things you don't need.

❄️
Debt Payoff Calculator Snowball method – how to get out of debt faster
Show
β–Ύ
Total debt 150 000 CZK
10 000 CZK1 000 000 CZK
Average interest rate 15.0 %
5 %30 %
Minimum monthly payment 5 000 CZK
1 000 CZK30 000 CZK
Extra payment on top 2 000 CZK
0 CZK20 000 CZK

You will save with extra payment

–

in interest

Without extra payment
–
With extra payment
–
–

πŸ’¬ Are your debts getting out of hand?

Don't let interest drag you down. We'll find the best strategy to get out of debt as fast and cheaply as possible (e.g. refinancing or consolidation). Every saved month counts.

🏦
Retirement Calculator How much will you have in retirement?
Show
β–Ύ
Your age 28 yrs
18 yrs60 yrs
Retirement age 65 yrs
55 yrs75 yrs
Current savings 0 CZK
0 CZK5 000 000 CZK
Monthly savings 5 000 CZK
500 CZK30 000 CZK
Retirement need (monthly) 35 000 CZK
15 000 CZK100 000 CZK

AT AGE 65 YOU WILL HAVE

0 CZK

Monthly income (4%)
0 CZK
You need
0 CZK

πŸ’¬ Want financial freedom in retirement?

The state won't take care of us. A real retirement plan depends on when you start and how you use state contributions and tax benefits (DIP, pension schemes). The sooner we start, the cheaper it is for you.

Three steps to financial peace of mind

1

Free consultation (30 min)

The first meeting is free and takes place online (or in person in Prague and surroundings). We'll find out what you're dealing with, what your options are, and whether we click. No sales pressure.

2

Analysis and plan

We'll review your full situation and build a concrete financial plan tailored to your goals.

3

Ongoing support

I stay by your side. Life plans evolve β€” and I'm here when things change.

πŸ’š Financial advisory is completely free for clients.
Vendula KΕ™ivΓ‘nkovΓ‘
Vendula Β· Vendy Finance

My name is Vendula
and I see finances as a whole

I help young people and families achieve their financial goals in a way that fits real life.

I know that finances aren't just about numbers. Priorities shift, homes are bought, children arrive, uncertainties come and go. That's why I work with the financial plan as a whole β€” not isolated decisions without context.

I'm not an advisor who just crunches spreadsheets. I'm a mother of two, and I know firsthand what it's like to plan for the future with a mortgage, rising costs, and the occasional uncertainty. That's why I look for solutions that bring you what matters most β€” peace at home.

Clearly and humanly β€” without complex jargon
A holistic view of your financial situation
Advisory is free β€” I'm paid by institutions, not by you
A long-term relationship, not a one-off consultation

I can help you if:

🏠

You're looking at your first home and don't know what you can afford

πŸ‘Ά

You're planning a family and want to have finances under control

πŸ“‹

You have a mortgage and want to optimise it β€” rate, refixation, extra payments

πŸ’‘

You earn well, but at month's end don't know where the money went β€” you want a clear overview, build savings, and manage money meaningfully.

What my clients say β€”
calm, clarity, personal approach

Real reviews from real clients. Individual results may vary.

β˜…β˜…β˜…β˜…β˜…
21. 9. 2024

β€žPanΓ­ Vendula je velice lidskΓ‘ a znalΓ‘ ve svΓ©m oboru. Komunikace vΕΎdy efektivnΓ­ s poΕΎadujΓ­cΓ­m vΓ½sledkem. VΕ™ele doporučuji. :)"

β˜…β˜…β˜…β˜…β˜…
7. 2. 2023

β€žPanΓ­ Vendula je moc sympatickΓ‘, komunikativnΓ­ a znalΓ‘ ve svΓ©m oboru. VΕΎdy mi dobΕ™e poradila a komunikace s nΓ­ je na velmi pΕ™Γ‘telskΓ© ΓΊrovni."

β˜…β˜…β˜…β˜…β˜…
27. 8. 2021

β€žSlečna je moc milΓ‘, skvΔ›lΓ‘ komunikace, vΕ‘e rychle a snadno zaΕ™Γ­zeno, 100% spokojenost, určitΔ› doporučuji!"

β˜…β˜…β˜…β˜…β˜…
25. 5. 2021

β€žVendula je velmi pΕ™Γ­jemnΓ‘ a milΓ‘ a poradΓ­ pΕ™esnΔ› to, co človΔ›k potΕ™ebuje, nabΓ­dne i vΓ­ce moΕΎnostΓ­ na vΓ½bΔ›r a laicky vΕ‘e vysvΔ›tlΓ­. Je ochotnΓ‘ a pΕ™edevΕ‘Γ­m velmi trpΔ›livΓ‘."

β˜…β˜…β˜…β˜…β˜…
21. 5. 2021

β€žJe vidΔ›t, ΕΎe to co dΔ›lΓ‘, je srdcem a duΕ‘Γ­. Je vidΔ›t ΕΎe svou prΓ‘ci dΔ›lΓ‘ rΓ‘da a je na svΓ©m mΓ­stΔ›. Mohu doporučit vΕ‘em co nevΔ›dΓ­ i tΔ›m co vΔ›dΓ­."

β˜…β˜…β˜…β˜…β˜…
18. 5. 2021

β€žWendy is an expert in the financial and insurance sector. She has in-depth knowledge and is able to find the perfect solution for every situation. It is a pleasure to deal with her."

Have questions?
Here are the answers

Are the calculator results accurate?
+
They are indicative. A real plan is always based on your specific situation β€” income, commitments, goals and preferences. That's exactly what we discuss in the consultation.
Do I have to book a consultation?
+
No need to. The calculators are freely available β€” feel free to use them on your own. A consultation is the next step only for those who want to go deeper and build a real plan.
How much does a consultation cost?
+
Financial advisory is completely free for you. I receive compensation from financial institutions β€” this allows me to focus exclusively on your goals, not on selling a specific product.
What happens after the consultation?
+
After the first consultation you're not committed to anything. If it makes sense to continue, we'll build a concrete plan together. You always set the pace and depth.

Let's talk.

Choose what works best for you β€” book a slot directly, or leave your contact and I'll reach out to you.

πŸ“…

Book a slot

Pick a time directly in my calendar. Free 30-minute consultation.

Choose a time β†’
nebo
βœ‰οΈ

I'll reach out to you

Leave your contact and I'll get in touch.

βœ‰οΈ [email protected] πŸ“Έ Instagram πŸ‘₯ Facebook