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Financial advisory for young families and individuals

Want your own home, peace in your budget and a plan that makes sense?

I help young families and individuals organize their finances so they know what they can afford and when we'll get there. Together and stress-free.

🏡 Own home 👨‍👩‍👧 Family finances 📈 Investments 💰 Budget 🛡️ Insurance
Vendula — Vendy Finance
6+
years of experience
Free
no-obligation consultation

"It is obvious she does her job with her heart and soul."

— Bára, Mělník

Finance works only
when it makes sense together

🧩

I don't just deal with numbers and rates

It's not just about finding a good rate. I mainly focus on whether you can comfortably afford the mortgage and budget even in 3 years when kids, a job change, or other life plans happen.

🤝

Human approach

I'll explain everything clearly and humanely — without overly complex jargon.

💚

Your interests first

As an independent advisor, I care about your goals and your family. We look for the right solution for you — not for commissions.

"Goals without a plan are just wishes.
A plan without goals is just a spreadsheet.
Sense is created in between."

📅 Book a consultation Try the calculators

Numbers speak
louder than assumptions

Choose an area you are interested in. Try different scenarios and see how the numbers change.

📈
Investment calculator Calculate the future value of your investments
Show
Planned investment duration 20 years
1 year40 years
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

Deposit
Expected value
Optimistic scenario
Pessimistic scenario

💬 Want to get the most out of your savings?

The real return depends on choosing the right tools, your risk profile, and investment horizon. Let's find a strategy that earns money and lets you sleep peacefully.

🏠
Mortgage calculator Calculate your monthly mortgage payment
Show
Mortgage amount 3 000 000 CZK
500 000 CZK15 000 000 CZK
Interest rate 5.5 %
1 %10 %
Repayment period 25 years
5 years35 years

Monthly payment

Total to pay
Total interest paid
Principal paid
Interest paid

💬 Thinking about your own home?

The interest rate is just the beginning. It's important to choose a bank that lends to you under conditions suitable for your situation, and to set payments so you can afford them even in a few years when family dynamics change.

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

Your monthly income

total

💬 Money disappearing and you don't know where?

Setting a budget is the first step. Keeping it is the second. Together we will find the leaks where money escapes and set up a system that won't restrict you, but give you financial freedom.

🎯
Saving calculator When will you reach your goal?
Show
Target amount 500 000 CZK
50 000 CZK5 000 000 CZK
Already saved 50 000 CZK
0 CZK1 000 000 CZK
Monthly saving 5 000 CZK
500 CZK50 000 CZK
Interest rate 4.0 %
0 %10 %

You will reach your goal in

Target amount
You save monthly

💬 Do you have dreams you need to save 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 just with a regular bank account.

🛡️
Insurance calculator How much should your insurance cover?
Show
Net monthly income 50 000 CZK
15 000 CZK200 000 CZK
Years to replace income 10 years
3 years20 years
Number of dependents 2
05
Total debts 500 000 CZK
0 CZK10 000 000 CZK

RECOMMENDED LIFE INSURANCE

0 CZK

💡 Rule: Insure yourself for 10–12× your annual income + debts

💬 Want certainty if something happens?

Insurance isn't about paying the most, but having the right risks covered – loss of income, disability, or critical illnesses. Let's check if you aren't paying for ineffective coverage.

❄️
Debt payoff calculator Snowball method – how to get out of debt faster
Show
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 monthly payment 2 000 CZK
0 CZK20 000 CZK

With an extra payment you save

in interest

Without extra payment
With extra payment

💬 Debts getting over your head?

Don't let interest drag you down. We will find a suitable strategy to get rid of debts as quickly and efficiently as possible (e.g., by refinancing or consolidating). Every saved month counts here.

🏦
Retirement calculator How much will you have in retirement?
Show
Your age 28 years
18 years60 years
Retirement age 65 years
55 years75 years
Current savings 0 CZK
0 CZK5 000 000 CZK
Monthly saving 5 000 CZK
500 CZK30 000 CZK
Monthly need in retirement 35 000 CZK
15 000 CZK100 000 CZK

AT 65 YOU WILL HAVE

0 CZK

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

💬 Want peace and freedom in your old age?

The state won't take care of us. A real retirement plan depends on when you start, how you utilize state contributions and tax deductions. The sooner we start, the cheaper it will be for you.

🏘️
Property underinsurance How much will the insurance company actually pay you in case of a claim?
Show
Current market value of the property 4 000 000 CZK
500 000 CZK20 000 000 CZK
Insured amount in the contract 2 500 000 CZK
100 000 CZK20 000 000 CZK
Amount of damage 500 000 CZK
50 000 CZK5 000 000 CZK
Correct payout
Actual payout after reduction
Your loss due to underinsurance

🏘️ Find out if your property is correctly insured

Underinsurance is one of the most common mistakes in insurance contracts — and in the event of a major claim, it can cause a significant financial loss. Let's check together if your insured amount matches the actual value of your property.

Three steps to peaceful finances

1

Free consultation (30 min)

The initial meeting is free and takes place online (or personally in Prague and its surroundings). We will find out exactly what you are dealing with, what your options are, and if we click personally. No pressure to sell.

2

Analysis and plan

We will review your situation as a whole and put together a specific financial plan tailored to your goals.

3

Ongoing support

I stay with you moving forward. A plan evolves in life — and I am here when things change.

💚 Financial advisory is completely free for clients.
Vendula Křivánková
Vendula · Vendy Finance

My name is Vendula
and I look at finance as a whole

I help young people and families fulfill their financial goals so they fit into real life.

I know finance isn't just about numbers. Priorities change, housing comes, kids, uncertainties, and new goals. That's exactly why I work with a financial plan as a whole — not with individual decisions without context.

I am not an advisor who only looks at spreadsheets from a desk. I am a mother of two and I know very well what it's like to plan the future with a mortgage, rising expenses, and occasional uncertainty. That's exactly why I look for solutions that bring you the absolute most important thing – peace at home.

Understandably and humanely — without complex terms
A comprehensive view of your financial situation
Free advisory — I am paid by institutions, not by you
A long-term relationship, not a one-time consultation

I can help you if:

🏠

You are figuring out your first home and don't know what you can afford

👶

You are planning a family and want to have your finances under control

📋

You have a mortgage and want to optimize it — rates, refixation, extra payments

💡

You earn money, but at the end of the month you don't know where it goes — you finally want a clear overview, build an emergency fund, and manage your money meaningfully.

Do you recognize yourself in this?

What my clients say —
calmness, clarity, personal approach

Real reviews from real clients. Specific results vary depending on individual situations.

★★★★★
21. 9. 2024

„Paní Vendula je velice lidská a znalá ve svém oboru. Komunikace vždy efektivní s požadujícím výsledkem. Vřele doporučuji. :)"

★★★★★
7. 2. 2023

„Paní Vendula je moc sympatická, komunikativní a znalá ve svém oboru. Vždy mi dobře poradila a komunikace s ní je na velmi přátelské úrovni."

★★★★★
27. 8. 2021

„Slečna je moc milá, skvělá komunikace, vše rychle a snadno zařízeno, 100% spokojenost, určitě doporučuji!"

★★★★★
25. 5. 2021

„Vendula je velmi příjemná a milá a poradí přesně to, co člověk potřebuje, nabídne i více možností na výběr a laicky vše vysvětlí. Je ochotná a především velmi trpělivá."

★★★★★
21. 5. 2021

„Je vidět, že to co dělá, je srdcem a duší. Je vidět že svou práci dělá ráda a je na svém místě. Mohu doporučit všem co nevědí i těm co vědí."

★★★★★
18. 5. 2021

„Wendy 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 — income, liabilities, goals, and preferences. That is exactly what we discuss during the consultation.
Do I have to book a consultation?
+
No, you don't. The calculators are freely available — feel free to calculate yourself. 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 my remuneration from financial institutions — this allows me to focus solely on your goals, not on selling a specific product.
What happens after the consultation?
+
After the first consultation, you are not committed to anything. If it makes sense to you to move forward, we will put together a specific plan together. You always set the pace and depth.

Let's talk.

Choose the way that suits you better — book a time right away, or leave me your contact info and I will reach out to you.

📅

Book a time

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

Pick a time →
or
✉️

I will contact you

Leave me your contact info and I'll get back to you.

✉️ kontakt@vendyfinance.cz 📸 Instagram 👥 Facebook