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 | 17.3M P10 8.9M – P90 36.9M | 41M | 73.6k 23.2k + 50.3k | 167 % | – | 616k | 21M |
| Savings account only | 0 · 0 · 20k · 0 | 9.7M P10 8.9M – P90 11.1M | 22.9M | 51.4k 23.2k + 28.2k | 117 % | 10 % | 369k | 9.9M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 11.8M P10 6.7M – P90 21.2M | 28M | 57.6k 23.2k + 34.4k | 131 % | 0 % | 2.4M | 13.4M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 15.8M P10 8.3M – P90 33.5M | 37.6M | 69.4k 23.2k + 46.2k | 158 % | 0 % | 1.2M | 19.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 16.9M P10 8.9M – P90 35.8M | 40.2M | 72.6k 23.2k + 49.4k | 165 % | 5 % | 787k | 20.6M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 10M P10 8.8M – P90 12.2M | 23.6M | 52.3k 23.2k + 29.1k | 119 % | 10 % | 560k | 10.3M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 17.2M P10 8.9M – P90 36.8M | 40.9M | 73.5k 23.2k + 50.3k | 167 % | 44 % | 731k | 21M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 11M P10 8.9M – P90 15.6M | 26.1M | 55.3k 23.2k + 32.1k | 126 % | 10 % | 528k | 11.9M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 16.9M P10 8.8M – P90 35.6M | 40M | 72.4k 23.2k + 49.1k | 164 % | 4 % | 901k | 20.5M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 11.3M P10 8.8M – P90 16.6M | 26.8M | 56.1k 23.2k + 32.9k | 127 % | 10 % | 720k | 12.3M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 16.9M P10 8.8M – P90 35.6M | 40M | 72.4k 23.2k + 49.1k | 164 % | 4 % | 901k | 20.5M |
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.