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 2.10 Kč in 2056, so a nominal amount at retirement is 2.10 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
21 090 Kč / month
from age 67.0 · 48 % 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 · 10k | 7.1M P10 3.7M – P90 14.6M | 15M | 41.9k 21.1k + 20.8k | 95 % | – | 96.4k | 8.5M |
| Savings account only | 0 · 0 · 10k · 0 | 3.4M P10 3.4M – P90 3.4M | 7.1M | 31k 21.1k + 9.9k | 70 % | 7 % | 0 | 3.4M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 4.9M P10 2.9M – P90 8.5M | 10.2M | 35.3k 21.1k + 14.2k | 80 % | 1 % | 916k | 5.5M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 6.7M P10 3.5M – P90 13.6M | 14.1M | 40.7k 21.1k + 19.6k | 92 % | 5 % | 327k | 8M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 6.9M P10 3.7M – P90 13.8M | 14.4M | 41.2k 21.1k + 20.1k | 93 % | 5 % | 250k | 8.1M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 3.7M P10 3.4M – P90 4.4M | 7.9M | 32k 21.1k + 10.9k | 73 % | 7 % | 168k | 3.9M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 7.2M P10 3.8M – P90 14.6M | 15.1M | 42k 21.1k + 21k | 95 % | 64 % | 188k | 8.6M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 4.8M P10 3.5M – P90 7.4M | 10M | 35k 21.1k + 13.9k | 79 % | 7 % | 125k | 5.3M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 6.9M P10 3.7M – P90 13.7M | 14.4M | 41.1k 21.1k + 20k | 93 % | 7 % | 341k | 8.1M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 5.1M P10 3.5M – P90 8.4M | 10.7M | 35.9k 21.1k + 14.8k | 82 % | 6 % | 295k | 5.7M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 6.9M P10 3.7M – P90 13.7M | 14.4M | 41.1k 21.1k + 20k | 93 % | 7 % | 341k | 8.1M |
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.