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 · 20k | 11M P10 5.1M – P90 25.1M | 26M | 55.2k 23.2k + 32k | 125 % | – | 197k | 13.8M |
| Savings account only | 0 · 0 · 20k · 0 | 7.9M P10 7.9M – P90 7.9M | 18.7M | 46.2k 23.2k + 23k | 105 % | 29 % | 0 | 7.9M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 7.8M P10 4.1M – P90 14.8M | 18.5M | 46k 23.2k + 22.8k | 104 % | 2 % | 1.5M | 9M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 10.1M P10 4.7M – P90 22.7M | 23.9M | 52.5k 23.2k + 29.3k | 119 % | 1 % | 649k | 12.5M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 10.8M P10 5.1M – P90 24.4M | 25.7M | 54.8k 23.2k + 31.5k | 124 % | 12 % | 322k | 13.5M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 8M P10 7.6M – P90 8.6M | 18.9M | 46.5k 23.2k + 23.3k | 106 % | 28 % | 140k | 8.1M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 11M P10 5.1M – P90 25M | 26M | 55.2k 23.2k + 32k | 125 % | 49 % | 289k | 13.8M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 8.4M P10 7.4M – P90 10.9M | 20M | 47.8k 23.2k + 24.6k | 109 % | 29 % | 127k | 8.9M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 10.8M P10 5M – P90 24.3M | 25.5M | 54.6k 23.2k + 31.4k | 124 % | 10 % | 414k | 13.4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 8.5M P10 7.1M – P90 11.6M | 20.2M | 48k 23.2k + 24.8k | 109 % | 28 % | 269k | 9.1M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 10.8M P10 5M – P90 24.3M | 25.5M | 54.6k 23.2k + 31.4k | 124 % | 10 % | 414k | 13.4M |
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.