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 | 4.3M P10 2.2M – P90 8.8M | 9M | 33.6k 21.1k + 12.5k | 76 % | – | 57.9k | 5.1M |
| Savings account only | 0 · 0 · 6k · 0 | 2M P10 2M – P90 2M | 4.3M | 27.1k 21.1k + 6k | 61 % | 7 % | 0 | 2M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 3.1M P10 1.8M – P90 5.3M | 6.4M | 30k 21.1k + 8.9k | 68 % | 2 % | 574k | 3.4M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 4.1M P10 2.2M – P90 8.4M | 8.7M | 33.2k 21.1k + 12.1k | 75 % | 19 % | 202k | 4.9M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 4M P10 2.2M – P90 7.9M | 8.4M | 32.8k 21.1k + 11.7k | 74 % | 5 % | 211k | 4.7M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 2.4M P10 2M – P90 3.1M | 5M | 28k 21.1k + 6.9k | 64 % | 6 % | 168k | 2.5M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 4.3M P10 2.3M – P90 8.8M | 9.1M | 33.7k 21.1k + 12.6k | 77 % | 64 % | 149k | 5.1M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 3.4M P10 2.2M – P90 6M | 7.1M | 31k 21.1k + 9.9k | 70 % | 8 % | 125k | 3.9M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 4M P10 2.2M – P90 7.9M | 8.4M | 32.8k 21.1k + 11.7k | 74 % | 7 % | 302k | 4.7M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 3.7M P10 2.1M – P90 7M | 7.8M | 31.9k 21.1k + 10.9k | 73 % | 5 % | 295k | 4.3M |
| Custom split | 1.7k · 4k · 0 · 300 | 4M P10 2.2M – P90 7.9M | 8.4M | 32.8k 21.1k + 11.7k | 74 % | 7 % | 302k | 4.7M |
Median wealth by plan — today's money
Max benefit: DPS state max + DIP + 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)
Max benefit: DPS state max + DIP + 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.