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 | Fees paid? Kč, today's, median | Pot if returns were constant? Kč, today's money |
|---|---|---|---|---|---|---|---|---|
| Broker ETF only | 0 · 0 · 0 · 20k | 7.5M P10 4.5M – P90 13.4M | 12.3M | 38.8k 16.8k + 21.9k | 88 % | – | 78.8k | 8.4M |
| Savings account only | 0 · 0 · 20k · 0 | 4.6M P10 4.6M – P90 4.6M | 7.6M | 30.3k 16.8k + 13.5k | 69 % | 12 % | 0 | 4.6M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 5.8M P10 3.8M – P90 9.2M | 9.6M | 33.8k 16.8k + 17k | 77 % | 2 % | 797k | 6.3M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 7.2M P10 4.3M – P90 12.8M | 11.8M | 37.9k 16.8k + 21k | 86 % | 5 % | 263k | 8M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 7.5M P10 4.5M – P90 13.1M | 12.2M | 38.6k 16.8k + 21.8k | 88 % | 17 % | 149k | 8.3M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 4.8M P10 4.6M – P90 5.1M | 7.9M | 30.8k 16.8k + 14k | 70 % | 12 % | 76.4k | 4.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 7.6M P10 4.5M – P90 13.5M | 12.5M | 39k 16.8k + 22.2k | 89 % | 99 % | 116k | 8.4M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 5.2M P10 4.6M – P90 6.3M | 8.6M | 32.1k 16.8k + 15.2k | 73 % | 13 % | 51.4k | 5.4M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 7.5M P10 4.5M – P90 13.3M | 12.3M | 38.8k 16.8k + 21.9k | 88 % | 49 % | 187k | 8.3M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 5.4M P10 4.6M – P90 6.8M | 8.8M | 32.5k 16.8k + 15.7k | 74 % | 12 % | 128k | 5.6M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 7.5M P10 4.5M – P90 13.3M | 12.3M | 38.8k 16.8k + 21.9k | 88 % | 49 % | 187k | 8.3M |
Median wealth by plan — today's money
DIP to deduction cap + 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)
DIP to deduction cap + 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.