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 | 17.1M P10 8.7M – P90 37.5M | 40.6M | 73.1k 23.2k + 49.9k | 166 % | – | 270k | 21.1M |
| Savings account only | 0 · 0 · 20k · 0 | 8.7M P10 8.7M – P90 8.7M | 20.8M | 48.7k 23.2k + 25.5k | 111 % | 10 % | 0 | 8.7M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 11.8M P10 6.7M – P90 21.2M | 28M | 57.6k 23.2k + 34.4k | 131 % | 1 % | 2.4M | 13.4M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 16.6M P10 8.5M – P90 35.8M | 39.4M | 71.6k 23.2k + 48.4k | 163 % | 21 % | 951k | 20.3M |
| 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 % | 32 % | 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 % | 11 % | 560k | 10.3M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 18M P10 9.2M – P90 39.2M | 42.7M | 75.6k 23.2k + 52.4k | 172 % | 100 % | 506k | 22.1M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 11.8M P10 9.2M – P90 18M | 27.9M | 57.6k 23.2k + 34.3k | 131 % | 13 % | 306k | 13M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 17.6M P10 9.1M – P90 38M | 41.8M | 74.6k 23.2k + 51.4k | 169 % | 95 % | 681k | 21.6M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 12.1M P10 9.1M – P90 19M | 28.6M | 58.4k 23.2k + 35.2k | 133 % | 12 % | 501k | 13.4M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 17.6M P10 9.1M – P90 38M | 41.8M | 74.6k 23.2k + 51.4k | 169 % | 95 % | 681k | 21.6M |
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.