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 | 16.9M P10 3.9M – P90 16.9M | 40.1M | 72.5k 23.2k + 49.3k | 165 % | – | 122k | 9.5M |
| Savings account only | 0 · 0 · 10k · 0 | 3.9M P10 3.9M – P90 3.9M | 9.4M | 34.7k 23.2k + 11.5k | 79 % | 10 % | 0 | 3.9M |
| Full DPS (no broker) | 10k · 0 · 0 · 0 | 9.3M P10 2.9M – P90 9.3M | 22M | 50.2k 23.2k + 27k | 114 % | 1 % | 1M | 5.8M |
| Full DIP (no broker) | 0 · 10k · 0 · 0 | 15.4M P10 3.7M – P90 15.4M | 36.6M | 68.3k 23.2k + 45k | 155 % | 2 % | 409k | 8.8M |
| DPS to state max + broker | 1.7k · 0 · 0 · 8.3k | 15.8M P10 3.9M – P90 15.8M | 37.4M | 69.2k 23.2k + 46k | 157 % | 5 % | 294k | 9M |
| DPS to state max + savings | 1.7k · 0 · 8.3k · 0 | 5M P10 3.8M – P90 5M | 11.9M | 37.8k 23.2k + 14.6k | 86 % | 9 % | 191k | 4.4M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 6k | 16.7M P10 3.9M – P90 16.7M | 39.7M | 72.1k 23.2k + 48.8k | 164 % | 44 % | 235k | 9.5M |
| DIP to deduction cap + savings | 0 · 4k · 6k · 0 | 8.4M P10 3.9M – P90 8.4M | 20M | 47.9k 23.2k + 24.6k | 109 % | 10 % | 157k | 5.9M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 4.3k | 15.6M P10 3.8M – P90 15.6M | 36.9M | 68.6k 23.2k + 45.4k | 156 % | 4 % | 409k | 8.9M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 4.3k · 0 | 9.5M P10 3.8M – P90 9.5M | 22.4M | 50.8k 23.2k + 27.6k | 115 % | 9 % | 350k | 6.3M |
| Custom split | 1.7k · 4k · 0 · 4.3k | 15.6M P10 3.8M – P90 15.6M | 36.9M | 68.6k 23.2k + 45.4k | 156 % | 4 % | 409k | 8.9M |
Median wealth by plan — today's money
Full DPS (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 DPS (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.