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 -3.0 ± 1.0 | = -4.9 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 | 18.8M P10 9.3M – P90 41.9M | 44.6M | 78.1k 23.2k + 54.9k | 177 % | – | 277k | 23.4M |
| Savings account only | 0 · 0 · 20k · 0 | 7.9M P10 7.9M – P90 7.9M | 18.7M | 46.2k 23.2k + 23k | 105 % | 6 % | 0 | 7.9M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 8.5M P10 4.8M – P90 15.1M | 20.1M | 48k 23.2k + 24.8k | 109 % | 0 % | 1.6M | 9.6M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 17M P10 8.5M – P90 37.6M | 40.4M | 72.9k 23.2k + 49.6k | 165 % | 0 % | 912k | 21M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 18.1M P10 9M – P90 39.8M | 42.9M | 76k 23.2k + 52.7k | 172 % | 0 % | 412k | 22.3M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 8M P10 7.7M – P90 8.7M | 19.1M | 46.7k 23.2k + 23.4k | 106 % | 5 % | 155k | 8.1M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 18.8M P10 9.3M – P90 41.8M | 44.5M | 78k 23.2k + 54.7k | 177 % | 41 % | 406k | 23.3M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 9.8M P10 8.1M – P90 13.8M | 23.2M | 51.8k 23.2k + 28.6k | 118 % | 6 % | 178k | 10.6M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 18M P10 9M – P90 39.6M | 42.7M | 75.6k 23.2k + 52.4k | 172 % | 0 % | 541k | 22.2M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 9.9M P10 7.9M – P90 14.6M | 23.6M | 52.2k 23.2k + 29k | 118 % | 5 % | 336k | 10.8M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 18M P10 9M – P90 39.6M | 42.7M | 75.6k 23.2k + 52.4k | 172 % | 0 % | 541k | 22.2M |
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.