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 · 10k | 10.4M P10 5.1M – P90 23.1M | 25.9M | 54.3k 24.1k + 30.2k | 123 % | – | 168k | 12.9M |
| Savings account only | 0 · 0 · 10k · 0 | 5.1M P10 5.1M – P90 5.1M | 12.6M | 38.8k 24.1k + 14.8k | 88 % | 10 % | 0 | 5.1M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 7.4M P10 4.1M – P90 13.7M | 18.3M | 45.5k 24.1k + 21.5k | 103 % | 3 % | 1.6M | 8.4M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 10.6M P10 5.2M – P90 23.6M | 26.4M | 54.9k 24.1k + 30.9k | 125 % | 69 % | 629k | 13.1M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 10M P10 5.1M – P90 21.1M | 25M | 53.3k 24.1k + 29.2k | 121 % | 27 % | 737k | 12.2M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 6.4M P10 5.1M – P90 8.9M | 15.9M | 42.6k 24.1k + 18.6k | 97 % | 11 % | 620k | 6.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 11.2M P10 5.5M – P90 25.1M | 28M | 56.8k 24.1k + 32.8k | 129 % | 100 % | 433k | 14M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 8.4M P10 5.5M – P90 15.5M | 21M | 48.7k 24.1k + 24.6k | 111 % | 17 % | 344k | 9.8M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 10.8M P10 5.4M – P90 23.7M | 26.9M | 55.5k 24.1k + 31.5k | 126 % | 90 % | 626k | 13.3M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 8.7M P10 5.3M – P90 16.6M | 21.8M | 49.5k 24.1k + 25.4k | 112 % | 16 % | 560k | 10.3M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 10.8M P10 5.4M – P90 23.7M | 26.9M | 55.5k 24.1k + 31.5k | 126 % | 90 % | 626k | 13.3M |
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.