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 2.37 Kč in 2061, so a nominal amount at retirement is 2.37 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
23 221 Kč / month
from age 67.0 · 53 % 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 | 16M P10 6.6M – P90 42.3M | 38M | 70k 23.2k + 46.8k | 159 % | – | 253k | 21.7M |
| Savings account only | 0 · 0 · 20k · 0 | 7.9M P10 7.9M – P90 7.9M | 18.7M | 46.2k 23.2k + 23k | 105 % | 16 % | 0 | 7.9M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 10.3M P10 5M – P90 21.5M | 24.5M | 53.3k 23.2k + 30.1k | 121 % | 1 % | 2.1M | 12.5M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 14.5M P10 6.1M – P90 37.8M | 34.5M | 65.6k 23.2k + 42.4k | 149 % | 1 % | 830k | 19.6M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 15.7M P10 6.5M – P90 40.8M | 37.3M | 69k 23.2k + 45.8k | 157 % | 7 % | 438k | 21.1M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 8.2M P10 7.7M – P90 9.3M | 19.5M | 47.2k 23.2k + 24k | 107 % | 15 % | 203k | 8.4M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 16M P10 6.6M – P90 42.1M | 37.9M | 69.8k 23.2k + 46.6k | 158 % | 44 % | 370k | 21.7M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 9.3M P10 7.7M – P90 13.9M | 22.1M | 50.4k 23.2k + 27.1k | 114 % | 16 % | 163k | 10.3M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 15.6M P10 6.5M – P90 40.5M | 37M | 68.7k 23.2k + 45.5k | 156 % | 6 % | 555k | 21M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 9.6M P10 7.5M – P90 15.2M | 22.8M | 51.2k 23.2k + 28k | 116 % | 15 % | 369k | 10.8M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 15.6M P10 6.5M – P90 40.5M | 37M | 68.7k 23.2k + 45.5k | 156 % | 6 % | 555k | 21M |
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.