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 · 20k | 13.7M P10 3.8M – P90 66M | 34.2M | 64k 24.1k + 40k | 145 % | – | 10 % | 504k | 32M |
| Savings account only | 0 · 0 · 20k · 0 | 8.3M P10 8.3M – P90 8.3M | 20.7M | 48.3k 24.1k + 24.2k | 110 % | 31 % | 0 % | 0 | 8.3M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 10.6M P10 5.9M – P90 19.6M | 26.5M | 55.1k 24.1k + 31k | 125 % | 34 % | 0 % | 2.2M | 12.2M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 15.3M P10 7.5M – P90 33.9M | 38.2M | 68.7k 24.1k + 44.6k | 156 % | 58 % | 0 % | 904k | 19M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 13.6M P10 4.1M – P90 62.4M | 33.9M | 63.7k 24.1k + 39.6k | 145 % | 43 % | 10 % | 679k | 30.5M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 8.6M P10 8.2M – P90 9.5M | 21.5M | 49.2k 24.1k + 25.2k | 112 % | 32 % | 0 % | 212k | 8.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 14.2M P10 4.6M – P90 60.9M | 35.4M | 65.5k 24.1k + 41.4k | 149 % | 64 % | 10 % | 591k | 30M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 9.8M P10 8.3M – P90 13.5M | 24.4M | 52.7k 24.1k + 28.6k | 120 % | 35 % | 0 % | 177k | 10.5M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 14M P10 4.9M – P90 57.1M | 35M | 65k 24.1k + 40.9k | 148 % | 57 % | 10 % | 764k | 28.4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 10.1M P10 8.1M – P90 14.6M | 25.2M | 53.5k 24.1k + 29.4k | 122 % | 36 % | 0 % | 393k | 11M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 14M P10 4.9M – P90 57.1M | 35M | 65k 24.1k + 40.9k | 148 % | 57 % | 10 % | 764k | 28.4M |
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.