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by KeenEthics
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Hlídač spoření

By Hlídač spoření

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Overview

Hlídač spoření (hlidacsporeni.cz) compares Czech savings accounts (spořicí účty) and term deposits (termínované vklady) from the banks it tracks, verified every day and published only after a human review of each change. The connector answers questions such as “Where should I put 800 000 CZK?” or “Best one-year term deposit for 200 000 CZK?” with the same numbers as the website: - hlidac_compare_savings ranks savings accounts by the effective rate for the WHOLE amount (many banks pay their headline rate only up to a limit), with the net yearly yield after the 15 % withholding tax, conditions (card payments, income, new money) and promotion end dates. - hlidac_compare_term_deposits ranks term deposits for an amount and term, for new or existing clients, optionally only where early withdrawal is possible. - hlidac_get_product returns one product in full: rate bands, conditions, deposit insurance, early withdrawal, tax, when it was verified, and the facts we do not have. - hlidac_plan_allocation splits a large sum across banks so each stays under the 100 000 EUR deposit insurance limit, converted at the day's ČNB rate. Every result carries the date of the data, a link to the detail page on hlidacsporeni.cz and an attribution. Read-only, no sign-in, no personal data. Informational comparison, not financial advice; terms should be confirmed with the bank.

Tools

hlidac_compare_savings

Claude
Rank Czech savings accounts (spořicí účty) by the effective interest rate (úrok, sazba) for a given deposit, with the net yield after the 15 % tax. The effective rate is computed for the WHOLE amount: many banks pay their headline rate only up to a limit (e.g. Česká spořitelna 5,20 % only up to 400 000 Kč), so the ranking changes with the amount. Filters drop accounts with card-payment, income or new-money conditions, or keep only accounts without conditions. Examples: - "Kam dát 800 000 Kč na spořicí účet?" -> amount=800000 - "Nejvyšší úrok bez podmínek pro 1 milion" -> amount=1000000, no_conditions=true Use hlidac_get_product for one account's bands and conditions, hlidac_plan_allocation to split a large sum across banks.

hlidac_compare_term_deposits

Claude
Rank Czech term deposits (termínované vklady) for a deposit and a term (délka v měsících) by the rate (úrok, sazba), with the net yield for the whole term after the 15 % tax. Offers only for new clients (noví klienti) count only with client='new'; promotions (akce) can be excluded; need_early_withdrawal keeps banks where an early withdrawal (předčasný výběr) is possible without the bank's consent. Banks whose limits do not take the amount are listed in outside_limits. Examples: - "Nejlepší termínovaný vklad na rok pro 200 000" -> amount=200000, term_months=12 - "Vklad na 3 měsíce, jsem nový klient" -> term_months=3, client='new'

hlidac_get_product

Claude
Full detail of one product (spořicí účet or termínovaný vklad): rate bands, conditions, end of a promotion, deposit insurance (pojištění vkladu), early withdrawal, tax, when it was verified, and the facts we do not have (unknown). product_id comes from hlidac_compare_savings or hlidac_compare_term_deposits, e.g. 'trinity', 'ceska-sporitelna', 'tv-csob'. An unknown id returns the list of valid ids.

hlidac_plan_allocation

Claude
Split a sum across Czech savings accounts (spořicí účty) for the highest net yield, keeping each bank under the deposit insurance limit of 100 000 EUR per client and bank (pojištění vkladů), converted at today's ČNB rate unless eur_czk is given. Only accounts whose conditions the client says they meet are used (card payments, income, new money, investing). Several products of one bank share one limit. Example: "Mám 6 milionů, jak je rozložit, aby byly pojištěné?" -> amount=6000000, max_banks=3

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