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 | 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 | 10.3M P10 3.3M – P90 40.8M | 21.6M | 51.1k 21.1k + 30k | 116 % | – | 8 % | 328k | 19.8M |
| Savings account only | 0 · 0 · 20k · 0 | 6.8M P10 6.8M – P90 6.8M | 14.3M | 41k 21.1k + 19.9k | 93 % | 34 % | 0 % | 0 | 6.8M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 8.4M P10 5M – P90 14.5M | 17.6M | 45.6k 21.1k + 24.5k | 104 % | 36 % | 0 % | 1.5M | 9.3M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 11.2M P10 6M – P90 22.3M | 23.6M | 53.8k 21.1k + 32.8k | 122 % | 57 % | 0 % | 576k | 13.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 10.2M P10 3.5M – P90 38.8M | 21.5M | 50.9k 21.1k + 29.9k | 116 % | 46 % | 8 % | 447k | 19.1M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 7.1M P10 6.7M – P90 7.6M | 14.8M | 41.7k 21.1k + 20.6k | 95 % | 35 % | 0 % | 145k | 7.1M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 10.6M P10 3.9M – P90 38M | 22.3M | 52.1k 21.1k + 31k | 118 % | 65 % | 8 % | 382k | 18.9M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 7.8M P10 6.8M – P90 10M | 16.3M | 43.8k 21.1k + 22.7k | 100 % | 37 % | 0 % | 113k | 8.2M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 10.6M P10 4.1M – P90 35.9M | 22.2M | 51.9k 21.1k + 30.8k | 118 % | 58 % | 8 % | 500k | 18.1M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 8M P10 6.7M – P90 10.7M | 16.8M | 44.4k 21.1k + 23.4k | 101 % | 38 % | 0 % | 258k | 8.5M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 10.6M P10 4.1M – P90 35.9M | 22.2M | 51.9k 21.1k + 30.8k | 118 % | 58 % | 8 % | 500k | 18.1M |
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.