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 · 6k | 5.6M P10 1.6M – P90 27M | 14M | 40.4k 24.1k + 16.4k | 92 % | – | 10 % | 207k | 13.1M |
| Savings account only | 0 · 0 · 6k · 0 | 3.4M P10 3.4M – P90 3.4M | 8.5M | 34k 24.1k + 9.9k | 77 % | 31 % | 0 % | 0 | 3.4M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 5.3M P10 2.9M – P90 9.9M | 13.2M | 39.5k 24.1k + 15.5k | 90 % | 46 % | 0 % | 1.1M | 6.1M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 7.6M P10 3.7M – P90 16.9M | 18.9M | 46.2k 24.1k + 22.1k | 105 % | 71 % | 0 % | 452k | 9.4M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 5.9M P10 2.5M – P90 19.7M | 14.7M | 41.3k 24.1k + 17.2k | 94 % | 56 % | 10 % | 739k | 10.3M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 4.7M P10 3.4M – P90 7.2M | 11.7M | 37.8k 24.1k + 13.7k | 86 % | 42 % | 0 % | 620k | 5.1M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 7.4M P10 3.3M – P90 20.8M | 18.5M | 45.8k 24.1k + 21.7k | 104 % | 75 % | 10 % | 406k | 11.1M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 6.8M P10 3.8M – P90 13.9M | 16.9M | 43.8k 24.1k + 19.8k | 100 % | 62 % | 0 % | 344k | 8.2M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 7.3M P10 3.5M – P90 17M | 18.1M | 45.3k 24.1k + 21.2k | 103 % | 69 % | 10 % | 579k | 9.5M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 7.1M P10 3.7M – P90 15M | 17.6M | 44.7k 24.1k + 20.6k | 101 % | 66 % | 0 % | 560k | 8.6M |
| Custom split | 1.7k · 4k · 0 · 300 | 7.3M P10 3.5M – P90 17M | 18.1M | 45.3k 24.1k + 21.2k | 103 % | 69 % | 10 % | 579k | 9.5M |
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.