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 | 18.9M P10 4.2M – P90 18.9M | 47.1M | 79.2k 24.1k + 55.2k | 180 % | – | 138k | 10.6M |
| Savings account only | 0 · 0 · 10k · 0 | 4.2M P10 4.2M – P90 4.2M | 10.4M | 36.2k 24.1k + 12.1k | 82 % | 10 % | 0 | 4.2M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 10.1M P10 3M – P90 10.1M | 25.3M | 53.6k 24.1k + 29.5k | 122 % | 1 % | 1.2M | 6.3M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 17.3M P10 3.8M – P90 17.3M | 43.2M | 74.6k 24.1k + 50.5k | 169 % | 2 % | 461k | 9.7M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 17.6M P10 4.1M – P90 17.6M | 43.9M | 75.5k 24.1k + 51.4k | 171 % | 4 % | 330k | 10M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 5.3M P10 4M – P90 5.3M | 13.3M | 39.6k 24.1k + 15.5k | 90 % | 9 % | 212k | 4.6M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 18.8M P10 4.1M – P90 18.8M | 47M | 79k 24.1k + 54.9k | 179 % | 35 % | 266k | 10.5M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 9.3M P10 4.1M – P90 9.3M | 23.2M | 51.2k 24.1k + 27.1k | 116 % | 10 % | 177k | 6.4M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 17.4M P10 4M – P90 17.4M | 43.4M | 74.8k 24.1k + 50.8k | 170 % | 2 % | 458k | 9.8M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 10.4M P10 4M – P90 10.4M | 25.9M | 54.4k 24.1k + 30.3k | 124 % | 8 % | 393k | 6.8M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 17.4M P10 4M – P90 17.4M | 43.4M | 74.8k 24.1k + 50.8k | 170 % | 2 % | 458k | 9.8M |
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.