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 · 10k | 8.1M P10 4.2M – P90 17.8M | 19.3M | 46.9k 23.2k + 23.7k | 107 % | – | 128k | 10M |
| Savings account only | 0 · 0 · 10k · 0 | 4.2M P10 4.2M – P90 4.2M | 9.9M | 35.3k 23.2k + 12.1k | 80 % | 10 % | 0 | 4.2M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 5.6M P10 3.2M – P90 10.1M | 13.4M | 39.7k 23.2k + 16.4k | 90 % | 1 % | 1.1M | 6.4M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 7.9M P10 4M – P90 16.9M | 18.6M | 46.1k 23.2k + 22.9k | 105 % | 18 % | 449k | 9.6M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 7.9M P10 4.1M – P90 16.6M | 18.8M | 46.3k 23.2k + 23.1k | 105 % | 17 % | 393k | 9.6M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 4.7M P10 4.1M – P90 5.9M | 11.2M | 37k 23.2k + 13.8k | 84 % | 10 % | 289k | 4.9M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 8.4M P10 4.3M – P90 18.2M | 19.9M | 47.7k 23.2k + 24.5k | 108 % | 97 % | 275k | 10.3M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 6M P10 4.3M – P90 9.9M | 14.1M | 40.6k 23.2k + 17.4k | 92 % | 12 % | 196k | 6.7M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 8M P10 4.2M – P90 17M | 19M | 46.6k 23.2k + 23.4k | 106 % | 29 % | 449k | 9.8M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 6.2M P10 4.2M – P90 11M | 14.8M | 41.4k 23.2k + 18.2k | 94 % | 11 % | 390k | 7.1M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 8M P10 4.2M – P90 17M | 19M | 46.6k 23.2k + 23.4k | 106 % | 29 % | 449k | 9.8M |
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.