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 | 4.1M P10 1.2M – P90 19.8M | 10.2M | 36.1k 24.1k + 12k | 82 % | – | 10 % | 151k | 9.6M |
| Savings account only | 0 · 0 · 6k · 0 | 2.5M P10 2.5M – P90 2.5M | 6.2M | 31.3k 24.1k + 7.3k | 71 % | 31 % | 0 % | 0 | 2.5M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 3.4M P10 1.9M – P90 6.3M | 8.5M | 34k 24.1k + 9.9k | 77 % | 38 % | 0 % | 725k | 3.9M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 4.8M P10 2.4M – P90 10.7M | 12M | 38.1k 24.1k + 14k | 86 % | 61 % | 0 % | 285k | 6M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 4M P10 1.4M – P90 16.2M | 9.9M | 35.7k 24.1k + 11.6k | 81 % | 43 % | 10 % | 326k | 8.1M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 2.8M P10 2.4M – P90 3.7M | 7M | 32.3k 24.1k + 8.2k | 73 % | 34 % | 0 % | 212k | 3M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 4.6M P10 2M – P90 14.6M | 11.6M | 37.6k 24.1k + 13.5k | 85 % | 64 % | 10 % | 238k | 7.6M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 4M P10 2.5M – P90 7.6M | 10M | 35.7k 24.1k + 11.6k | 81 % | 48 % | 0 % | 177k | 4.7M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 4.5M P10 2.2M – P90 10.8M | 11.2M | 37.1k 24.1k + 13.1k | 84 % | 57 % | 10 % | 411k | 6M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 4.3M P10 2.3M – P90 8.7M | 10.7M | 36.6k 24.1k + 12.5k | 83 % | 53 % | 0 % | 393k | 5.1M |
| Custom split | 1.7k · 4k · 0 · 300 | 4.5M P10 2.2M – P90 10.8M | 11.2M | 37.1k 24.1k + 13.1k | 84 % | 57 % | 10 % | 411k | 6M |
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.