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 · 20k | 17.5M P10 8.5M – P90 38.9M | 43.6M | 75k 24.1k + 51k | 170 % | – | 284k | 21.7M |
| Savings account only | 0 · 0 · 20k · 0 | 8.5M P10 8.5M – P90 8.5M | 21.3M | 49k 24.1k + 24.9k | 111 % | 10 % | 0 | 8.5M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 11.1M P10 6.2M – P90 20.6M | 27.8M | 56.6k 24.1k + 32.5k | 128 % | 1 % | 2.4M | 12.8M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 16.1M P10 7.9M – P90 35.6M | 40M | 70.9k 24.1k + 46.8k | 161 % | 2 % | 948k | 19.9M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 17.1M P10 8.5M – P90 37.5M | 42.7M | 74.1k 24.1k + 50k | 168 % | 15 % | 578k | 21.2M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 9.1M P10 8.5M – P90 10.4M | 22.8M | 50.7k 24.1k + 26.7k | 115 % | 10 % | 320k | 9.4M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 17.7M P10 8.7M – P90 39.4M | 44.2M | 75.7k 24.1k + 51.7k | 172 % | 93 % | 448k | 22M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 10.6M P10 8.7M – P90 15.1M | 26.3M | 54.9k 24.1k + 30.8k | 125 % | 10 % | 221k | 11.4M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 17.3M P10 8.5M – P90 38M | 43M | 74.4k 24.1k + 50.3k | 169 % | 22 % | 640k | 21.4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 10.8M P10 8.5M – P90 16.2M | 27M | 55.7k 24.1k + 31.6k | 126 % | 10 % | 437k | 11.9M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 17.3M P10 8.5M – P90 38M | 43M | 74.4k 24.1k + 50.3k | 169 % | 22 % | 640k | 21.4M |
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.