How to read the numbers
Every amount is in today's money — what the crowns can buy today — unless a column says nominal. At 2.5 % inflation, 1 Kč today equals 1.64 Kč in 2046, so a nominal amount at retirement is 1.64 times its today's-money value.
Pensions are monthly amounts. They are compared with your net salary of 44 040 Kč a month (today's money; pay stays constant).
State pension
16 829 Kč / month
from age 67.0 · 38 % of net salary
Each vehicle vs the plain index it follows, per year?
| DPS fund | fees -1.9 | vs market -1.0 ± 1.0 | = -2.9 points a year | |
| DIP | fees -0.5 | vs market -0.2 ± 0.2 | = -0.8 points a year | |
| Broker ETF account | fees -0.1 | vs market +0.0 ± 0.0 | = -0.1 points a year |
Show / hide columns
| Plan? | Deposit / month? DPS · DIP · savings · broker | Pot at retirement? Kč, today's money | Pot, nominal? Kč, future crowns | Pension / month? Kč, today's money | Of net salary? pension ÷ net pay | Beats plan 1? share of futures | Margin call? share of futures | Fees paid? Kč, today's, median | Pot if returns were constant? Kč, today's money |
|---|---|---|---|---|---|---|---|---|---|
| Broker ETF only | 0 · 0 · 0 · 20k | 6.1M P10 2.4M – P90 19.1M | 10M | 34.7k 16.8k + 17.8k | 79 % | – | 5 % | 143k | 9.2M |
| Savings account only | 0 · 0 · 20k · 0 | 4.6M P10 4.6M – P90 4.6M | 7.6M | 30.3k 16.8k + 13.5k | 69 % | 36 % | 0 % | 0 | 4.6M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 5.4M P10 3.5M – P90 8.4M | 8.8M | 32.6k 16.8k + 15.7k | 74 % | 39 % | 0 % | 704k | 5.8M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 6.5M P10 3.9M – P90 11.4M | 10.7M | 35.8k 16.8k + 19k | 81 % | 56 % | 0 % | 247k | 7.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 6.1M P10 2.5M – P90 18.2M | 10M | 34.7k 16.8k + 17.9k | 79 % | 51 % | 5 % | 200k | 9M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 4.8M P10 4.6M – P90 5M | 7.8M | 30.7k 16.8k + 13.9k | 70 % | 37 % | 0 % | 67.4k | 4.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 6.3M P10 2.7M – P90 17.9M | 10.4M | 35.3k 16.8k + 18.4k | 80 % | 65 % | 5 % | 166k | 9M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 5.1M P10 4.6M – P90 6M | 8.3M | 31.7k 16.8k + 14.8k | 72 % | 39 % | 0 % | 48.3k | 5.2M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 6.3M P10 2.8M – P90 17M | 10.3M | 35.2k 16.8k + 18.4k | 80 % | 60 % | 5 % | 223k | 8.7M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 5.2M P10 4.5M – P90 6.4M | 8.5M | 32k 16.8k + 15.2k | 73 % | 40 % | 0 % | 116k | 5.4M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 6.3M P10 2.8M – P90 17M | 10.3M | 35.2k 16.8k + 18.4k | 80 % | 60 % | 5 % | 223k | 8.7M |
Median wealth by plan — today's money
Full DIP (no broker) — likely range, today's money
dark line: median · bands: 25–75 % and 10–90 % of simulated paths · dashed line: retirement · click a plan name in the table to show another
Median wealth by plan — nominal (future crowns)
Full DIP (no broker) — likely range, nominal
- Broker ETF only
- Savings account only
- Full DPS (no broker)
- Full DIP (no broker)
- DPS to state max + broker
- DPS to state max + savings
- DIP to deduction cap + broker
- DIP to deduction cap + savings
- Max benefit: DPS state max + DIP + broker
- Max benefit: DPS state max + DIP + savings
- Custom split
Estimates, not financial or tax advice. Czech rules as of November 2026; every assumption is editable on the left and lives in src/config.rs. Past returns do not guarantee future ones.