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 | 19.3M P10 9.6M – P90 43M | 45.9M | 79.6k 23.2k + 56.4k | 181 % | – | 285k | 24M |
| Savings account only | 0 · 0 · 20k · 0 | 8.1M P10 8.1M – P90 8.1M | 19.2M | 46.8k 23.2k + 23.6k | 106 % | 6 % | 0 | 8.1M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 12M P10 6.9M – P90 22M | 28.5M | 58.3k 23.2k + 35.1k | 132 % | 0 % | 2.5M | 13.7M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 17.9M P10 8.9M – P90 39.4M | 42.4M | 75.3k 23.2k + 52.1k | 171 % | 2 % | 957k | 22.1M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 18.9M P10 9.6M – P90 41.4M | 44.9M | 78.4k 23.2k + 55.2k | 178 % | 11 % | 600k | 23.3M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 8.9M P10 8.2M – P90 10.2M | 21.1M | 49.1k 23.2k + 25.9k | 112 % | 6 % | 342k | 9.1M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 19.6M P10 9.7M – P90 43.5M | 46.5M | 80.4k 23.2k + 57.2k | 183 % | 95 % | 451k | 24.3M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 10.6M P10 8.6M – P90 15.6M | 25.2M | 54.2k 23.2k + 31k | 123 % | 6 % | 223k | 11.6M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 19.1M P10 9.6M – P90 41.9M | 45.3M | 78.9k 23.2k + 55.7k | 179 % | 21 % | 659k | 23.6M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 11M P10 8.5M – P90 17M | 26.2M | 55.4k 23.2k + 32.2k | 126 % | 6 % | 453k | 12.2M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 19.1M P10 9.6M – P90 41.9M | 45.3M | 78.9k 23.2k + 55.7k | 179 % | 21 % | 659k | 23.6M |
Median wealth by plan — today's money
DIP to deduction cap + 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)
DIP to deduction cap + 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.