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 | 20.9M P10 10M – P90 47.9M | 52.1M | 85k 24.1k + 61k | 193 % | – | 318k | 26.4M |
| Savings account only | 0 · 0 · 20k · 0 | 8.3M P10 8.3M – P90 8.3M | 20.7M | 48.3k 24.1k + 24.2k | 110 % | 5 % | 0 | 8.3M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 12.3M P10 6.8M – P90 23.3M | 30.7M | 59.9k 24.1k + 35.9k | 136 % | 0 % | 2.7M | 14.2M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 18.8M P10 9M – P90 42.7M | 46.8M | 78.8k 24.1k + 54.7k | 179 % | 0 % | 1M | 23.5M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 20.4M P10 9.8M – P90 46.1M | 50.8M | 83.5k 24.1k + 59.4k | 190 % | 2 % | 548k | 25.5M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 8.8M P10 8.3M – P90 9.8M | 21.9M | 49.7k 24.1k + 25.6k | 113 % | 5 % | 252k | 9M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 20.8M P10 9.9M – P90 47.7M | 51.9M | 84.8k 24.1k + 60.8k | 193 % | 33 % | 464k | 26.3M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 10.5M P10 8.6M – P90 15.2M | 26.1M | 54.6k 24.1k + 30.6k | 124 % | 5 % | 203k | 11.4M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 20.2M P10 9.8M – P90 45.8M | 50.5M | 83.1k 24.1k + 59k | 189 % | 1 % | 694k | 25.4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 10.9M P10 8.5M – P90 16.6M | 27.2M | 55.9k 24.1k + 31.9k | 127 % | 5 % | 460k | 12M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 20.2M P10 9.8M – P90 45.8M | 50.5M | 83.1k 24.1k + 59k | 189 % | 1 % | 694k | 25.4M |
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.