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 · 20k | 8.9M P10 4.9M – P90 17.1M | 18.6M | 47k 21.1k + 25.9k | 107 % | – | 143k | 10.3M |
| Savings account only | 0 · 0 · 20k · 0 | 6.8M P10 6.8M – P90 6.8M | 14.3M | 41k 21.1k + 19.9k | 93 % | 30 % | 0 | 6.8M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 6.7M P10 4M – P90 11.2M | 14M | 40.5k 21.1k + 19.4k | 92 % | 2 % | 1.1M | 7.4M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 8.3M P10 4.6M – P90 15.8M | 17.3M | 45.2k 21.1k + 24.1k | 103 % | 1 % | 472k | 9.6M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 8.8M P10 4.9M – P90 16.8M | 18.5M | 46.8k 21.1k + 25.7k | 106 % | 16 % | 236k | 10.2M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 6.9M P10 6.6M – P90 7.3M | 14.4M | 41.2k 21.1k + 20.1k | 94 % | 29 % | 104k | 7M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 8.9M P10 5M – P90 17.1M | 18.7M | 47.1k 21.1k + 26k | 107 % | 71 % | 210k | 10.4M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 7.2M P10 6.5M – P90 8.7M | 15.1M | 42.1k 21.1k + 21k | 96 % | 30 % | 92.4k | 7.5M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 8.8M P10 4.9M – P90 16.8M | 18.5M | 46.8k 21.1k + 25.7k | 106 % | 19 % | 303k | 10.2M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 7.3M P10 6.3M – P90 9.2M | 15.3M | 42.3k 21.1k + 21.2k | 96 % | 29 % | 197k | 7.6M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 8.8M P10 4.9M – P90 16.8M | 18.5M | 46.8k 21.1k + 25.7k | 106 % | 19 % | 303k | 10.2M |
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.