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 | 9.9M P10 4.9M – P90 22.1M | 23.5M | 52.2k 23.2k + 28.9k | 118 % | – | 146k | 12.3M |
| Savings account only | 0 · 0 · 10k · 0 | 4.2M P10 4.2M – P90 4.2M | 9.9M | 35.3k 23.2k + 12.1k | 80 % | 6 % | 0 | 4.2M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 6.5M P10 3.7M – P90 11.9M | 15.3M | 42.1k 23.2k + 18.9k | 96 % | 1 % | 1.4M | 7.4M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 9.5M P10 4.8M – P90 21M | 22.6M | 51k 23.2k + 27.8k | 116 % | 16 % | 510k | 11.8M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 9.5M P10 4.9M – P90 20.4M | 22.6M | 51k 23.2k + 27.8k | 116 % | 11 % | 460k | 11.6M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 4.9M P10 4.2M – P90 6.3M | 11.7M | 37.6k 23.2k + 14.4k | 85 % | 6 % | 342k | 5.2M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 10.2M P10 5.1M – P90 22.7M | 24.2M | 53k 23.2k + 29.8k | 120 % | 95 % | 312k | 12.7M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 6.7M P10 4.6M – P90 11.7M | 15.9M | 42.7k 23.2k + 19.5k | 97 % | 7 % | 223k | 7.7M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 9.7M P10 4.9M – P90 21M | 23M | 51.5k 23.2k + 28.3k | 117 % | 21 % | 520k | 11.9M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 7.1M P10 4.6M – P90 13M | 16.9M | 44k 23.2k + 20.7k | 100 % | 6 % | 453k | 8.2M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 9.7M P10 4.9M – P90 21M | 23M | 51.5k 23.2k + 28.3k | 117 % | 21 % | 520k | 11.9M |
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.