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 2.49 Kč in 2063, so a nominal amount at retirement is 2.49 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
24 073 Kč / month
from age 67.0 · 55 % 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 | 5.3M P10 2.1M – P90 14.2M | 13.1M | 39.4k 24.1k + 15.3k | 89 % | – | 86.4k | 7.3M |
| Savings account only | 0 · 0 · 6k · 0 | 2.5M P10 2.5M – P90 2.5M | 6.2M | 31.3k 24.1k + 7.3k | 71 % | 15 % | 0 | 2.5M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 3.5M P10 1.7M – P90 7.5M | 8.7M | 34.3k 24.1k + 10.2k | 78 % | 2 % | 768k | 4.3M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 5M P10 2M – P90 13.3M | 12.4M | 38.5k 24.1k + 14.5k | 87 % | 8 % | 298k | 6.9M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 4.9M P10 2.1M – P90 12.4M | 12.1M | 38.2k 24.1k + 14.2k | 87 % | 6 % | 289k | 6.6M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 2.8M P10 2.3M – P90 4M | 7.1M | 32.4k 24.1k + 8.3k | 73 % | 13 % | 225k | 3.1M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 5.2M P10 2.1M – P90 14M | 13M | 39.3k 24.1k + 15.2k | 89 % | 36 % | 220k | 7.2M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 4.1M P10 2.3M – P90 9.3M | 10.2M | 36k 24.1k + 11.9k | 82 % | 14 % | 185k | 5.3M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 4.7M P10 2M – P90 12.2M | 11.8M | 37.9k 24.1k + 13.8k | 86 % | 4 % | 424k | 6.4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 4.4M P10 2.1M – P90 10.7M | 11M | 36.9k 24.1k + 12.9k | 84 % | 8 % | 413k | 5.8M |
| Custom split | 1.7k · 4k · 0 · 300 | 4.7M P10 2M – P90 12.2M | 11.8M | 37.9k 24.1k + 13.8k | 86 % | 4 % | 424k | 6.4M |
Median wealth by plan — today's money
Broker ETF only — 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 — 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.