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 · 3k | 1.1M P10 669k – P90 2M | 1.8M | 20.1k 16.8k + 3.3k | 46 % | – | 11.8k | 1.3M |
| Savings account only | 0 · 0 · 3k · 0 | 694k P10 694k – P90 694k | 1.1M | 18.9k 16.8k + 2k | 43 % | 12 % | 0 | 694k |
| Full DPS (no broker) | 3k · 0 · 0 · 0 | 988k P10 642k – P90 1.6M | 1.6M | 19.7k 16.8k + 2.9k | 45 % | 14 % | 134k | 1.1M |
| Full DIP (no broker) | 0 · 3k · 0 · 0 | 1.2M P10 718k – P90 2.1M | 2M | 20.3k 16.8k + 3.5k | 46 % | 99 % | 43.7k | 1.3M |
| DPS to state max + broker | 1.7k · 0 · 0 · 1.3k | 1.1M P10 662k – P90 1.8M | 1.7M | 19.9k 16.8k + 3.1k | 45 % | 17 % | 81.7k | 1.2M |
| DPS to state max + savings | 1.7k · 0 · 1.3k · 0 | 867k P10 672k – P90 1.2M | 1.4M | 19.4k 16.8k + 2.5k | 44 % | 12 % | 76.4k | 909k |
| DIP to deduction cap + broker | 0 · 3k · 0 · 0 | 1.2M P10 718k – P90 2.1M | 2M | 20.3k 16.8k + 3.5k | 46 % | 99 % | 43.7k | 1.3M |
| DIP to deduction cap + savings | 0 · 3k · 0 · 0 | 1.2M P10 718k – P90 2.1M | 2M | 20.3k 16.8k + 3.5k | 46 % | 99 % | 43.7k | 1.3M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 1.3k · 0 · 0 | 1.1M P10 686k – P90 1.8M | 1.8M | 20k 16.8k + 3.2k | 45 % | 33 % | 95.8k | 1.2M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 1.3k · 0 · 0 | 1.1M P10 686k – P90 1.8M | 1.8M | 20k 16.8k + 3.2k | 45 % | 33 % | 95.8k | 1.2M |
| Custom split | 1.7k · 1.3k · 0 · 0 | 1.1M P10 686k – P90 1.8M | 1.8M | 20k 16.8k + 3.2k | 45 % | 33 % | 95.8k | 1.2M |
Median wealth by plan — today's money
DIP to deduction cap + savings — 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 + savings — 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.