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 | 10.5M P10 5M – P90 23.9M | 26.1M | 54.6k 24.1k + 30.5k | 124 % | – | 159k | 13.2M |
| Savings account only | 0 · 0 · 10k · 0 | 4.2M P10 4.2M – P90 4.2M | 10.4M | 36.2k 24.1k + 12.1k | 82 % | 5 % | 0 | 4.2M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 6.3M P10 3.5M – P90 12M | 15.8M | 42.5k 24.1k + 18.5k | 97 % | 0 % | 1.4M | 7.3M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 9.6M P10 4.6M – P90 21.8M | 23.9M | 52k 24.1k + 27.9k | 118 % | 1 % | 530k | 12M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 9.9M P10 4.8M – P90 22.2M | 24.8M | 53k 24.1k + 29k | 120 % | 2 % | 388k | 12.4M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 4.6M P10 4.1M – P90 5.7M | 11.6M | 37.6k 24.1k + 13.5k | 85 % | 5 % | 252k | 4.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 10.4M P10 5M – P90 23.8M | 25.9M | 54.4k 24.1k + 30.3k | 123 % | 33 % | 306k | 13.1M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 6.3M P10 4.4M – P90 11M | 15.8M | 42.5k 24.1k + 18.5k | 97 % | 5 % | 203k | 7.3M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 9.8M P10 4.8M – P90 21.8M | 24.4M | 52.6k 24.1k + 28.5k | 119 % | 1 % | 535k | 12.2M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 6.8M P10 4.4M – P90 12.4M | 16.9M | 43.8k 24.1k + 19.8k | 100 % | 4 % | 460k | 7.9M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 9.8M P10 4.8M – P90 21.8M | 24.4M | 52.6k 24.1k + 28.5k | 119 % | 1 % | 535k | 12.2M |
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.