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 · 20k | 13M P10 3.9M – P90 59.8M | 30.8M | 61k 23.2k + 37.8k | 139 % | – | 9 % | 460k | 28.8M |
| Savings account only | 0 · 0 · 20k · 0 | 8.1M P10 8.1M – P90 8.1M | 19.2M | 46.8k 23.2k + 23.6k | 106 % | 32 % | 0 % | 0 | 8.1M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 10.5M P10 6M – P90 18.8M | 24.9M | 53.8k 23.2k + 30.6k | 122 % | 36 % | 0 % | 2.1M | 11.9M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 14.7M P10 7.6M – P90 31.7M | 35M | 66.2k 23.2k + 43k | 150 % | 59 % | 0 % | 841k | 18M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 13.1M P10 4.3M – P90 56.1M | 31M | 61.3k 23.2k + 38.1k | 139 % | 52 % | 9 % | 705k | 27.3M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 8.7M P10 8.1M – P90 9.8M | 20.6M | 48.5k 23.2k + 25.3k | 110 % | 33 % | 0 % | 289k | 8.9M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 13.8M P10 4.9M – P90 55.5M | 32.8M | 63.5k 23.2k + 40.3k | 144 % | 69 % | 9 % | 564k | 27.2M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 9.9M P10 8.2M – P90 13.9M | 23.5M | 52.1k 23.2k + 28.9k | 118 % | 37 % | 0 % | 196k | 10.7M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 13.7M P10 5.1M – P90 52.3M | 32.5M | 63.2k 23.2k + 40k | 143 % | 62 % | 9 % | 722k | 25.9M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 10.2M P10 8.1M – P90 14.9M | 24.2M | 52.9k 23.2k + 29.7k | 120 % | 38 % | 0 % | 390k | 11.1M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 13.7M P10 5.1M – P90 52.3M | 32.5M | 63.2k 23.2k + 40k | 143 % | 62 % | 9 % | 722k | 25.9M |
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.