{"id":5667,"date":"2025-07-15T13:34:45","date_gmt":"2025-07-15T13:34:45","guid":{"rendered":"https:\/\/functiontranslator.com\/ispmt\/"},"modified":"2021-02-26T09:58:35","modified_gmt":"2021-02-26T09:58:35","slug":"ispmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/cs\/ispmt\/","title":{"rendered":"ISPMT"},"content":{"rendered":"

V oblasti financ\u00ed je \u010dasto nezbytn\u00e9 spo\u010d\u00edtat \u00farok spl\u00e1cen\u00fd b\u011bhem ur\u010dit\u00e9ho obdob\u00ed na z\u00e1klad\u011b investice nebo p\u016fj\u010dky. Pro tento \u00fa\u010del nab\u00edz\u00ed Excel a Google Sheets funkci ISPMT, kter\u00e1 umo\u017e\u0148uje ur\u010dit \u00farok z periodick\u00fdch spl\u00e1tek p\u0159i konstantn\u00ed \u00farokov\u00e9 sazb\u011b.<\/p>\n

Syntaxe funkce<\/h2>\n

Syntaxe funkce ISPMT je p\u0159ehledn\u00e1, skl\u00e1d\u00e1 se z n\u00e1sleduj\u00edc\u00edch \u010dty\u0159 parametr\u016f:<\/p>\n

ISPMT(\u00farokov\u00e1_sazba, obdob\u00ed_splatnosti, celkov\u00fd_po\u010det_obdob\u00ed, hlavn\u00ed_dluh)<\/code><\/pre>\n
    \n
  • \u00farokov\u00e1_sazba<\/strong> – \u00darokov\u00e1 sazba za jedno obdob\u00ed.<\/li>\n
  • obdob\u00ed_splatnosti<\/strong> – Obdob\u00ed, pro kter\u00e9 se po\u010d\u00edt\u00e1 \u00farok (nap\u0159\u00edklad pro prvn\u00ed rok zad\u00e1te 1).<\/li>\n
  • celkov\u00fd_po\u010det_obdob\u00ed<\/strong> – Celkov\u00fd po\u010det obdob\u00ed, po kter\u00e9 p\u016fj\u010dka \u010di investice trv\u00e1.<\/li>\n
  • hlavn\u00ed_dluh<\/strong> – V\u00fd\u0161e p\u016fj\u010dky nebo z\u00e1kladn\u00ed \u010d\u00e1stka dluhu na za\u010d\u00e1tku.<\/li>\n<\/ul>\n
    P\u0159\u00edklady vyu\u017eit\u00ed<\/h2>\n
    Funkce ISPMT se ukazuje jako velmi u\u017eite\u010dn\u00e1 v r\u016fzn\u00fdch situac\u00edch finan\u010dn\u00edch anal\u00fdz, jako jsou nap\u0159\u00edklad pl\u00e1nov\u00e1n\u00ed spl\u00e1tek p\u016fj\u010dek \u010di vyhodnocen\u00ed investi\u010dn\u00edch projekt\u016f. N\u00e1sleduj\u00edc\u00ed p\u0159\u00edklady ukazuj\u00ed praktick\u00e9 vyu\u017eit\u00ed t\u00e9to funkce.<\/p>\n
    Praktick\u00fd p\u0159\u00edklad \u010d. 1: V\u00fdpo\u010det \u00faroku p\u016fj\u010dky<\/h2>\n
    P\u0159edstavte si, \u017ee si p\u016fj\u010d\u00edte 1 000 000 K\u010d s ro\u010dn\u00ed \u00farokovou sazbou 5 % a doba splatnosti p\u016fj\u010dky je stanovena na 10 let. Jak\u00fd \u00farok zaplat\u00edme v prvn\u00edm m\u011bs\u00edci?<\/p>\n
    =ISPMT(5%\/12, 1, 10*12, 1000000)<\/code><\/pre>\n\n\n\n\n\n
    \u00farokov\u00e1_sazba<\/td>\n5%\/12 (m\u011bs\u00ed\u010dn\u00ed \u00farok)<\/td>\n<\/tr>\n
    obdob\u00ed_splatnosti<\/td>\n1 (prvn\u00ed m\u011bs\u00edc)<\/td>\n<\/tr>\n
    celkov\u00fd_po\u010det_obdob\u00ed<\/td>\n120 (10 let * 12 m\u011bs\u00edc\u016f)<\/td>\n<\/tr>\n
    hlavn\u00ed_dluh<\/td>\n1 000 000 K\u010d<\/td>\n<\/tr>\n<\/table>\n
    Tento p\u0159\u00edklad ukazuje v\u00fdpo\u010det \u00faroku, kter\u00fd bude zaplacen v prvn\u00edm m\u011bs\u00edci p\u016fj\u010dky.<\/p>\n
    Praktick\u00fd p\u0159\u00edklad \u010d. 2: Hodnocen\u00ed investi\u010dn\u00edho projektu<\/h2>\n
    M\u011bjme investi\u010dn\u00ed projekt s po\u010d\u00e1te\u010dn\u00ed investic\u00ed 2 000 000 K\u010d a o\u010dek\u00e1vanou ro\u010dn\u00ed \u00farokovou sazbou 7 % b\u011bhem 5 let. Kolik \u00faroku zaplat\u00edme v prvn\u00edm m\u011bs\u00edci?<\/p>\n
    =ISPMT(7%\/12, 1, 5*12, 2000000)<\/code><\/pre>\n\n\n\n\n\n
    \u00farokov\u00e1_sazba<\/td>\n7%\/12 (m\u011bs\u00ed\u010dn\u00ed \u00farok)<\/td>\n<\/tr>\n
    obdob\u00ed_splatnosti<\/td>\n1 (prvn\u00ed m\u011bs\u00edc)<\/td>\n<\/tr>\n
    celkov\u00fd_po\u010det_obdob\u00ed<\/td>\n60 (5 let * 12 m\u011bs\u00edc\u016f)<\/td>\n<\/tr>\n
    hlavn\u00ed_dluh<\/td>\n2 000 000 K\u010d<\/td>\n<\/tr>\n<\/table>\n
    Tento p\u0159\u00edklad vypo\u010d\u00edt\u00e1 \u00farok zaplacen\u00fd v prvn\u00edm m\u011bs\u00edci investice.<\/p>\n
    Funkce ISPMT je tedy kl\u00ed\u010dov\u00e1 pro finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed a anal\u00fdzy, poskytuj\u00edc\u00ed mo\u017enost rovnom\u011brn\u011b rozlo\u017eit \u00farok na jednotliv\u00e9 platby b\u011bhem doby spl\u00e1cen\u00ed p\u016fj\u010dky nebo \u017eivotnost investice.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Vypo\u010dte v\u00fd\u0161i \u00faroku z\u00a0investice zaplacen\u00e9ho b\u011bhem ur\u010dit\u00e9ho obdob\u00ed<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[283],"tags":[],"class_list":["post-5667","post","type-post","status-publish","format-standard","hentry","category-financni"],"acf":[],"yoast_head":"\nFunkce ISPMT v Excelu: jak funguje, primjeri kori\u0161tenja formule<\/title>\n<meta name=\"description\" content=\"Opis funkcije ISPMT u Excelu i Google tablicama. Sintaksa, parametri funkcije te prakti\u010dni primjeri.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/functiontranslator.com\/cs\/ispmt\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Funkce ISPMT v Excelu: jak funguje, primjeri kori\u0161tenja formule\" \/>\n<meta property=\"og:description\" content=\"Opis funkcije ISPMT u Excelu i Google tablicama. Sintaksa, parametri funkcije te prakti\u010dni primjeri.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/functiontranslator.com\/cs\/ispmt\/\" \/>\n<meta property=\"og:site_name\" content=\"Function Translator\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-15T13:34:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-26T09:58:35+00:00\" \/>\n<meta name=\"author\" content=\"glavadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Funkce ISPMT v Excelu: jak funguje, primjeri kori\u0161tenja formule\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"glavadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/functiontranslator.com\/cs\/ispmt\/\",\"url\":\"https:\/\/functiontranslator.com\/cs\/ispmt\/\",\"name\":\"Funkce ISPMT v Excelu: jak funguje, primjeri kori\u0161tenja formule\",\"isPartOf\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\"},\"datePublished\":\"2025-07-15T13:34:45+00:00\",\"dateModified\":\"2021-02-26T09:58:35+00:00\",\"author\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\"},\"description\":\"Opis funkcije ISPMT u Excelu i Google tablicama. Sintaksa, parametri funkcije te prakti\u010dni primjeri.\",\"breadcrumb\":{\"@id\":\"https:\/\/functiontranslator.com\/cs\/ispmt\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/functiontranslator.com\/cs\/ispmt\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/functiontranslator.com\/cs\/ispmt\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Funkce aplikace Excel\",\"item\":\"https:\/\/functiontranslator.com\/cs\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finan\u010dn\u00ed\",\"item\":\"https:\/\/functiontranslator.com\/cs\/financni\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"ISPMT\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\",\"url\":\"https:\/\/functiontranslator.com\/no\/\",\"name\":\"Function Translator\",\"description\":\"Excel function translator\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/functiontranslator.com\/no\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\",\"name\":\"glavadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"caption\":\"glavadmin\"},\"sameAs\":[\"https:\/\/functiontranslator.com\"],\"url\":\"https:\/\/functiontranslator.com\/cs\/author\/glavadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Funkce ISPMT v Excelu: jak funguje, primjeri kori\u0161tenja formule","description":"Opis funkcije ISPMT u Excelu i Google tablicama. Sintaksa, parametri funkcije te prakti\u010dni primjeri.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/functiontranslator.com\/cs\/ispmt\/","og_locale":"cs_CZ","og_type":"article","og_title":"Funkce ISPMT v Excelu: jak funguje, primjeri kori\u0161tenja formule","og_description":"Opis funkcije ISPMT u Excelu i Google tablicama. Sintaksa, parametri funkcije te prakti\u010dni primjeri.","og_url":"https:\/\/functiontranslator.com\/cs\/ispmt\/","og_site_name":"Function Translator","article_published_time":"2025-07-15T13:34:45+00:00","article_modified_time":"2021-02-26T09:58:35+00:00","author":"glavadmin","twitter_card":"summary_large_image","twitter_title":"Funkce ISPMT v Excelu: jak funguje, primjeri kori\u0161tenja formule","twitter_misc":{"Napsal(a)":"glavadmin","Odhadovan\u00e1 doba \u010dten\u00ed":"2 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/functiontranslator.com\/cs\/ispmt\/","url":"https:\/\/functiontranslator.com\/cs\/ispmt\/","name":"Funkce ISPMT v Excelu: jak funguje, primjeri kori\u0161tenja formule","isPartOf":{"@id":"https:\/\/functiontranslator.com\/no\/#website"},"datePublished":"2025-07-15T13:34:45+00:00","dateModified":"2021-02-26T09:58:35+00:00","author":{"@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389"},"description":"Opis funkcije ISPMT u Excelu i Google tablicama. Sintaksa, parametri funkcije te prakti\u010dni primjeri.","breadcrumb":{"@id":"https:\/\/functiontranslator.com\/cs\/ispmt\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/functiontranslator.com\/cs\/ispmt\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/functiontranslator.com\/cs\/ispmt\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Funkce aplikace Excel","item":"https:\/\/functiontranslator.com\/cs\/"},{"@type":"ListItem","position":2,"name":"Finan\u010dn\u00ed","item":"https:\/\/functiontranslator.com\/cs\/financni\/"},{"@type":"ListItem","position":3,"name":"ISPMT"}]},{"@type":"WebSite","@id":"https:\/\/functiontranslator.com\/no\/#website","url":"https:\/\/functiontranslator.com\/no\/","name":"Function Translator","description":"Excel function translator","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/functiontranslator.com\/no\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"},{"@type":"Person","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389","name":"glavadmin","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","caption":"glavadmin"},"sameAs":["https:\/\/functiontranslator.com"],"url":"https:\/\/functiontranslator.com\/cs\/author\/glavadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/posts\/5667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/comments?post=5667"}],"version-history":[{"count":2,"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/posts\/5667\/revisions"}],"predecessor-version":[{"id":30805,"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/posts\/5667\/revisions\/30805"}],"wp:attachment":[{"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/media?parent=5667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/categories?post=5667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/functiontranslator.com\/cs\/wp-json\/wp\/v2\/tags?post=5667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}