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 | 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 · 10k | 7.7M P10 2.3M – P90 35.5M | 18.3M | 45.7k 23.2k + 22.4k | 104 % | – | 9 % | 273k | 17.1M |
| Savings account only | 0 · 0 · 10k · 0 | 4.8M P10 4.8M – P90 4.8M | 11.4M | 37.2k 23.2k + 14k | 85 % | 32 % | 0 % | 0 | 4.8M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 6.9M P10 4M – P90 12.5M | 16.5M | 43.4k 23.2k + 20.2k | 99 % | 43 % | 0 % | 1.4M | 7.9M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 9.7M P10 5M – P90 21M | 23.1M | 51.6k 23.2k + 28.4k | 117 % | 67 % | 0 % | 558k | 11.9M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 8.1M P10 3.2M – P90 29.3M | 19.1M | 46.7k 23.2k + 23.5k | 106 % | 57 % | 9 % | 756k | 14.8M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 6M P10 4.9M – P90 8.2M | 14.3M | 40.8k 23.2k + 17.6k | 93 % | 39 % | 0 % | 560k | 6.4M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 9.4M P10 4M – P90 30.3M | 22.3M | 50.6k 23.2k + 27.3k | 115 % | 75 % | 9 % | 449k | 15.5M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 7.8M P10 5.2M – P90 14M | 18.6M | 46.1k 23.2k + 22.9k | 105 % | 51 % | 0 % | 306k | 9M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 9.2M P10 4.2M – P90 27.1M | 21.9M | 50.2k 23.2k + 26.9k | 114 % | 69 % | 9 % | 608k | 14.2M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 8.1M P10 5.1M – P90 15.1M | 19.3M | 46.9k 23.2k + 23.7k | 106 % | 53 % | 0 % | 501k | 9.4M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 9.2M P10 4.2M – P90 27.1M | 21.9M | 50.2k 23.2k + 26.9k | 114 % | 69 % | 9 % | 608k | 14.2M |
Median wealth by plan — today's money
Full DIP (no 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)
Full DIP (no 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.