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 -3.0 ± 1.0 | = -4.9 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 · 10k | 9.4M P10 4.7M – P90 20.9M | 22.3M | 50.7k 23.2k + 27.4k | 115 % | – | 139k | 11.7M |
| Savings account only | 0 · 0 · 10k · 0 | 3.9M P10 3.9M – P90 3.9M | 9.4M | 34.7k 23.2k + 11.5k | 79 % | 6 % | 0 | 3.9M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 4.4M P10 2.5M – P90 7.8M | 10.4M | 36k 23.2k + 12.8k | 82 % | 0 % | 847k | 4.9M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 8.7M P10 4.3M – P90 19.2M | 20.6M | 48.5k 23.2k + 25.3k | 110 % | 2 % | 466k | 10.7M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 8.7M P10 4.4M – P90 18.9M | 20.6M | 48.5k 23.2k + 25.3k | 110 % | 0 % | 273k | 10.7M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 4.1M P10 3.8M – P90 4.7M | 9.7M | 35.2k 23.2k + 11.9k | 80 % | 4 % | 155k | 4.2M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 9.4M P10 4.7M – P90 20.8M | 22.2M | 50.5k 23.2k + 27.3k | 115 % | 41 % | 268k | 11.6M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 5.9M P10 4.2M – P90 9.9M | 13.9M | 40.3k 23.2k + 17.1k | 91 % | 6 % | 178k | 6.6M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 8.6M P10 4.3M – P90 18.7M | 20.3M | 48.2k 23.2k + 25k | 109 % | 0 % | 402k | 10.5M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 6M P10 4M – P90 10.6M | 14.2M | 40.7k 23.2k + 17.5k | 92 % | 3 % | 336k | 6.9M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 8.6M P10 4.3M – P90 18.7M | 20.3M | 48.2k 23.2k + 25k | 109 % | 0 % | 402k | 10.5M |
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.