{"id":163077,"date":"2026-11-03T18:34:12","date_gmt":"2026-11-03T17:34:12","guid":{"rendered":"https:\/\/www.mojevrijeme.hr\/magazin\/?p=163077"},"modified":"2026-11-03T19:19:21","modified_gmt":"2026-11-03T18:19:21","slug":"finska-ogranicila-rast-mirovina-u-hrvatskoj-bi-ista-inflacija-donijela-54-eura-vise","status":"publish","type":"post","link":"https:\/\/www.mojevrijeme.hr\/magazin\/2026\/11\/finska-ogranicila-rast-mirovina-u-hrvatskoj-bi-ista-inflacija-donijela-54-eura-vise\/","title":{"rendered":"Finska ograni\u010dila rast mirovina: U Hrvatskoj bi ista inflacija donijela 54 eura vi\u0161e"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Finska je zakonom ograni\u010dila budu\u0107e uskla\u0111ivanje mirovina u razdobljima kada cijene rastu br\u017ee od pla\u0107a. Nova ko\u010dnica uskla\u0111ivanja, na \u017ealost brojnih umirovljenika, mo\u0107i \u0107e se prvi put primijeniti 2030. godine. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finska uskla\u0111uje radni\u010dke mirovine prema indeksu u kojem cijene imaju udio od 80 posto, a pla\u0107e 20 posto. Novi zakon uvodi ograni\u010denje: ako taj indeks tijekom dvije godine raste br\u017ee od koeficijenta pla\u0107a, rast mirovina bit \u0107e ograni\u010den na rast koeficijenta pla\u0107a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mo\u017eda je to jednostavnije re\u0107i ovim rije\u010dima: kada inflacija nadma\u0161i rast pla\u0107a, mirovine \u0107e i dalje rasti, ali sporije nego \u0161to bi rasle prema dosada\u0161njoj formuli. Ograni\u010denje se ne odnosi na sve finske mirovinske i socijalne naknade.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Koliko bi izgubili umirovljenici?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Usporedili smo finski i hrvatski sustav na hipotetskoj mirovini od 1.000 eura. Pretpostavili smo da cijene dvije godine zaredom rastu po \u0161est posto, a pla\u0107e po dva posto godi\u0161nje. Bez ko\u010dnice finska bi mirovina nakon dvije godine iznosila 1.106,70 eura. S aktiviranom ko\u010dnicom porasla bi na 1.056,78 eura, odnosno gotovo 50 eura manje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U Hrvatskoj se primjenjuje formula 85:15, koja ve\u0107u te\u017einu daje povoljnijem pokazatelju. Prema pojednostavljenom izra\u010dunu, ista mirovina nakon dvije godine dosegnula bi 1.110,92 eura. Razlika u odnosu na finsku mirovinu s ko\u010dnicom iznosila bi 54,13 eura mjese\u010dno.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hrvatska mirovine uskla\u0111uje polugodi\u0161nje, a Finska godi\u0161nje. Radi usporedbe hrvatsku smo formulu primijenili na godi\u0161nje stope.<\/p>\n\n\n\n<style>\n#mv-finska-usporedba {\n  --mv-red: #c81d25;\n  --mv-red-dark: #a9151c;\n  --mv-red-soft: #fdf1f2;\n  --mv-text: #242b32;\n  --mv-muted: #5d6975;\n  --mv-border: #e3e6ea;\n  --mv-track: #eceff2;\n  box-sizing: border-box;\n  width: 100%;\n  margin: 28px 0;\n  padding: 22px;\n  border: 1px solid var(--mv-border);\n  border-radius: 12px;\n  background: #fff;\n  color: var(--mv-text);\n  font-family: inherit;\n  line-height: 1.5;\n}\n#mv-finska-usporedba *,\n#mv-finska-usporedba *::before,\n#mv-finska-usporedba *::after {\n  box-sizing: border-box;\n}\n#mv-finska-usporedba .mv-kicker {\n  color: var(--mv-red);\n  font-size: 12px;\n  font-weight: 700;\n  letter-spacing: .07em;\n  text-transform: uppercase;\n}\n#mv-finska-usporedba h3 {\n  margin: 8px 0 10px;\n  font-size: clamp(20px, 3vw, 27px);\n  line-height: 1.22;\n  color: #1f2730;\n}\n#mv-finska-usporedba .mv-intro {\n  margin: 0 0 24px;\n  font-size: 14px;\n  color: var(--mv-muted);\n}\n#mv-finska-usporedba .mv-item {\n  margin: 0 0 24px;\n}\n#mv-finska-usporedba .mv-labels {\n  display: flex;\n  justify-content: space-between;\n  align-items: baseline;\n  flex-wrap: wrap;\n  gap: 6px 14px;\n  margin-bottom: 8px;\n}\n#mv-finska-usporedba .mv-name {\n  font-size: 15px;\n  font-weight: 700;\n}\n#mv-finska-usporedba .mv-value {\n  font-size: 22px;\n  font-weight: 800;\n  font-variant-numeric: tabular-nums;\n}\n#mv-finska-usporedba .mv-track {\n  width: 100%;\n  height: 18px;\n  background: var(--mv-track);\n  border-radius: 5px;\n  overflow: hidden;\n}\n#mv-finska-usporedba .mv-fill {\n  height: 100%;\n  border-radius: 5px;\n}\n#mv-finska-usporedba .mv-hr { background: var(--mv-red); width: 99.6%; }\n#mv-finska-usporedba .mv-fi-old { background: #ef9aa0; width: 95.8%; }\n#mv-finska-usporedba .mv-fi-new { background: #f4cfd2; width: 50.9%; }\n#mv-finska-usporedba .mv-delta {\n  display: block;\n  margin-top: 5px;\n  font-size: 13px;\n  color: var(--mv-muted);\n}\n#mv-finska-usporedba .mv-results {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 14px;\n  padding-top: 20px;\n  border-top: 1px solid var(--mv-border);\n}\n#mv-finska-usporedba .mv-result {\n  background: var(--mv-red-soft);\n  padding: 16px;\n  border-radius: 8px;\n  border-left: 4px solid var(--mv-red);\n}\n#mv-finska-usporedba .mv-result strong {\n  display: block;\n  color: var(--mv-red-dark);\n  font-size: clamp(22px, 4vw, 29px);\n  font-weight: 800;\n  font-variant-numeric: tabular-nums;\n  line-height: 1.2;\n  margin-bottom: 6px;\n}\n#mv-finska-usporedba .mv-result span {\n  font-size: 13px;\n  color: var(--mv-muted);\n}\n#mv-finska-usporedba .mv-note {\n  margin: 18px 0 0;\n  padding-top: 14px;\n  border-top: 1px solid var(--mv-border);\n  color: #68737d;\n  font-size: 12px;\n  line-height: 1.55;\n}\n@media(max-width: 520px) {\n  #mv-finska-usporedba { padding: 16px; }\n  #mv-finska-usporedba .mv-results {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n  #mv-finska-usporedba .mv-value { font-size: 20px; }\n}\n<\/style>\n\n<section id=\"mv-finska-usporedba\" aria-labelledby=\"mv-fi-title\">\n  <div class=\"mv-kicker\">Usporedba sustava<\/div>\n  <h3 id=\"mv-fi-title\">\u0160to se doga\u0111a s mirovinom od 1.000 \u20ac?<\/h3>\n  <p class=\"mv-intro\">\n    Hipotetska simulacija za dvije godine: cijene rastu 6 % godi\u0161nje,\n    pla\u0107e 2 % godi\u0161nje.\n  <\/p>\n\n  <div class=\"mv-item\">\n    <div class=\"mv-labels\">\n      <span class=\"mv-name\">Hrvatska (85:15)<\/span>\n      <span class=\"mv-value\">1.110,92 \u20ac<\/span>\n    <\/div>\n    <div class=\"mv-track\" role=\"img\" aria-label=\"Hrvatska, pove\u0107anje 110,92 eura\">\n      <div class=\"mv-fill mv-hr\"><\/div>\n    <\/div>\n    <span class=\"mv-delta\">Pove\u0107anje: +110,92 \u20ac<\/span>\n  <\/div>\n\n  <div class=\"mv-item\">\n    <div class=\"mv-labels\">\n      <span class=\"mv-name\">Finska bez ko\u010dnice<\/span>\n      <span class=\"mv-value\">1.106,70 \u20ac<\/span>\n    <\/div>\n    <div class=\"mv-track\" role=\"img\" aria-label=\"Finska bez ko\u010dnice, pove\u0107anje 106,70 eura\">\n      <div class=\"mv-fill mv-fi-old\"><\/div>\n    <\/div>\n    <span class=\"mv-delta\">Pove\u0107anje: +106,70 \u20ac<\/span>\n  <\/div>\n\n  <div class=\"mv-item\">\n    <div class=\"mv-labels\">\n      <span class=\"mv-name\">Finska s ko\u010dnicom<\/span>\n      <span class=\"mv-value\">1.056,78 \u20ac<\/span>\n    <\/div>\n    <div class=\"mv-track\" role=\"img\" aria-label=\"Finska s ko\u010dnicom, pove\u0107anje 56,78 eura\">\n      <div class=\"mv-fill mv-fi-new\"><\/div>\n    <\/div>\n    <span class=\"mv-delta\">Pove\u0107anje: +56,78 \u20ac<\/span>\n  <\/div>\n\n  <div class=\"mv-results\">\n    <div class=\"mv-result\">\n      <strong>54,13 \u20ac<\/strong>\n      <span>Ve\u0107a mjese\u010dna mirovina u hrvatskoj simulaciji nego u Finskoj s ko\u010dnicom<\/span>\n    <\/div>\n    <div class=\"mv-result\">\n      <strong>49,92 \u20ac<\/strong>\n      <span>Toliki je mjese\u010dni u\u010dinak finske indeksne ko\u010dnice u odnosu na sustav bez ograni\u010denja<\/span>\n    <\/div>\n  <\/div>\n\n\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Finska je ve\u0107 imala takav inflacijski udar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Koliko se dva finska indeksa mogu razlikovati pokazuje razdoblje visoke inflacije. Mirovinski indeks porastao je 2023. godine za 6,8 posto, a koeficijent pla\u0107a za 3,8 posto. Sljede\u0107e godine pove\u0107anja su iznosila 5,7 odnosno 5,1 posto. Takav dvogodi\u0161nji odnos pokazuje u kakvim bi okolnostima nova ko\u010dnica mogla ograni\u010diti rast mirovina.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finska je ograni\u010denje uvela u sklopu reforme kojom nastoji stabilizirati financiranje mirovina zbog starenja stanovni\u0161tva. Hrvatska zasad nema takvu dvogodi\u0161nju ko\u010dnicu, ali ni njezina formula ne jam\u010di potpuno o\u010duvanje kupovne mo\u0107i.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finska je zakonom ograni\u010dila budu\u0107e uskla\u0111ivanje mirovina. Usporedili smo finski i hrvatski model na primjeru mirovine od 1.000 eura.<\/p>\n","protected":false},"author":9,"featured_media":140648,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4947],"tags":[1590,971],"class_list":["post-163077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mirovina","tag-finska","tag-uskladivanje-mirovina"],"_links":{"self":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/163077","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/comments?post=163077"}],"version-history":[{"count":5,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/163077\/revisions"}],"predecessor-version":[{"id":163084,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/163077\/revisions\/163084"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media\/140648"}],"wp:attachment":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media?parent=163077"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/categories?post=163077"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/tags?post=163077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}