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 | Margin call? 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 | 6.9M P10 1.9M – P90 33M | 17.1M | 44.1k 24.1k + 20k | 100 % | – | 10 % | 252k | 16M |
| Savings account only | 0 · 0 · 10k · 0 | 4.2M P10 4.2M – P90 4.2M | 10.4M | 36.2k 24.1k + 12.1k | 82 % | 31 % | 0 % | 0 | 4.2M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 5.5M P10 3M – P90 10.1M | 13.6M | 40k 24.1k + 16k | 91 % | 36 % | 0 % | 1.2M | 6.3M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 7.8M P10 3.8M – P90 17.3M | 19.5M | 46.8k 24.1k + 22.8k | 106 % | 59 % | 0 % | 461k | 9.7M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 6.7M P10 2.2M – P90 29.3M | 16.8M | 43.7k 24.1k + 19.6k | 99 % | 43 % | 10 % | 428k | 14.5M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 4.5M P10 4M – P90 5.3M | 11.2M | 37.1k 24.1k + 13k | 84 % | 33 % | 0 % | 212k | 4.6M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 7.4M P10 2.7M – P90 27.8M | 18.4M | 45.6k 24.1k + 21.5k | 103 % | 64 % | 10 % | 338k | 14M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 5.7M P10 4.1M – P90 9.3M | 14.1M | 40.6k 24.1k + 16.5k | 92 % | 40 % | 0 % | 177k | 6.4M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 7.2M P10 3M – P90 24M | 18M | 45.1k 24.1k + 21k | 102 % | 57 % | 10 % | 513k | 12.4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 5.9M P10 4M – P90 10.4M | 14.8M | 41.4k 24.1k + 17.3k | 94 % | 42 % | 0 % | 393k | 6.8M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 7.2M P10 3M – P90 24M | 18M | 45.1k 24.1k + 21k | 102 % | 57 % | 10 % | 513k | 12.4M |
Median wealth by plan — today's money
Full DIP (no 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)
Full DIP (no 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.