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 · 6k | 3.6M P10 1.9M – P90 7.3M | 7.6M | 31.7k 21.1k + 10.6k | 72 % | – | 52.1k | 4.3M |
| Broker ETF only, buy the dip | 0 · 0 · 0 · 6k | 3.6M P10 1.9M – P90 7.2M | 7.6M | 31.7k 21.1k + 10.6k | 72 % | 36 % | 51.4k | 4.2M |
| Savings account only | 0 · 0 · 6k · 0 | 2M P10 2M – P90 2M | 4.3M | 27.1k 21.1k + 6k | 61 % | 12 % | 0 | 2M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 2.7M P10 1.6M – P90 4.7M | 5.7M | 29k 21.1k + 7.9k | 66 % | 3 % | 493k | 3M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 3.5M P10 1.9M – P90 7M | 7.4M | 31.4k 21.1k + 10.3k | 71 % | 20 % | 182k | 4.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 3.4M P10 1.9M – P90 6.7M | 7.2M | 31.1k 21.1k + 10k | 71 % | 7 % | 183k | 4M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 2.3M P10 2M – P90 2.9M | 4.8M | 27.7k 21.1k + 6.7k | 63 % | 11 % | 145k | 2.4M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 3.7M P10 2M – P90 7.3M | 7.7M | 31.8k 21.1k + 10.7k | 72 % | 66 % | 134k | 4.3M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 3M P10 2M – P90 5.2M | 6.3M | 29.9k 21.1k + 8.8k | 68 % | 14 % | 113k | 3.4M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 3.4M P10 1.9M – P90 6.6M | 7.2M | 31.1k 21.1k + 10k | 71 % | 10 % | 265k | 4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 3.2M P10 1.9M – P90 6M | 6.8M | 30.5k 21.1k + 9.4k | 69 % | 9 % | 258k | 3.7M |
| Custom split | 1.7k · 4k · 0 · 300 | 3.4M P10 1.9M – P90 6.6M | 7.2M | 31.1k 21.1k + 10k | 71 % | 10 % | 265k | 4M |
Median wealth by plan — today's money
Broker ETF only, buy the dip — 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)
Broker ETF only, buy the dip — likely range, nominal
- Broker ETF only
- Broker ETF only, buy the dip
- 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.