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 | 18.9M P10 9.2M – P90 42M | 47.1M | 79.1k 24.1k + 55k | 180 % | – | 307k | 23.5M |
| Savings account only | 0 · 0 · 20k · 0 | 9.2M P10 9.2M – P90 9.2M | 23M | 50.9k 24.1k + 26.9k | 116 % | 10 % | 0 | 9.2M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 12.5M P10 7M – P90 23.2M | 31.2M | 60.6k 24.1k + 36.5k | 138 % | 1 % | 2.7M | 14.3M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 18.1M P10 8.9M – P90 40.2M | 45.1M | 76.8k 24.1k + 52.7k | 174 % | 17 % | 1.1M | 22.4M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 18.5M P10 9.3M – P90 40M | 46.2M | 78.1k 24.1k + 54.1k | 177 % | 27 % | 878k | 22.7M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 10.5M P10 9.2M – P90 13M | 26.2M | 54.7k 24.1k + 30.7k | 124 % | 10 % | 620k | 10.9M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 19.8M P10 9.7M – P90 44.1M | 49.3M | 81.7k 24.1k + 57.7k | 186 % | 100 % | 571k | 24.6M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 12.6M P10 9.6M – P90 19.7M | 31.4M | 60.8k 24.1k + 36.7k | 138 % | 12 % | 344k | 14M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 19.3M P10 9.5M – P90 42.6M | 48.1M | 80.4k 24.1k + 56.3k | 183 % | 90 % | 765k | 23.9M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 12.9M P10 9.5M – P90 20.8M | 32.1M | 61.6k 24.1k + 37.6k | 140 % | 12 % | 560k | 14.4M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 19.3M P10 9.5M – P90 42.6M | 48.1M | 80.4k 24.1k + 56.3k | 183 % | 90 % | 765k | 23.9M |
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.