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 | 11.8M P10 6.3M – P90 24.7M | 28.1M | 57.7k 23.2k + 34.5k | 131 % | – | 212k | 14.3M |
| Savings account only | 0 · 0 · 20k · 0 | 8.7M P10 8.7M – P90 8.7M | 20.8M | 48.7k 23.2k + 25.5k | 111 % | 27 % | 0 | 8.7M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 9M P10 5.2M – P90 15.7M | 21.3M | 49.5k 23.2k + 26.2k | 112 % | 4 % | 1.7M | 10.1M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 11.5M P10 6.3M – P90 23.8M | 27.4M | 56.9k 23.2k + 33.7k | 129 % | 26 % | 747k | 13.8M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 11.9M P10 6.5M – P90 24.1M | 28.2M | 57.9k 23.2k + 34.7k | 132 % | 51 % | 571k | 14.1M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 9.3M P10 8.4M – P90 10.9M | 22.1M | 50.4k 23.2k + 27.2k | 114 % | 29 % | 391k | 9.6M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 12.4M P10 6.7M – P90 25.8M | 29.5M | 59.5k 23.2k + 36.3k | 135 % | 100 % | 397k | 15M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 10.1M P10 8.4M – P90 14.1M | 24.1M | 52.8k 23.2k + 29.6k | 120 % | 32 % | 240k | 10.9M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 12.3M P10 6.6M – P90 25.2M | 29.1M | 59k 23.2k + 35.7k | 134 % | 98 % | 518k | 14.7M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 10.2M P10 8.2M – P90 14.7M | 24.2M | 53k 23.2k + 29.7k | 120 % | 32 % | 376k | 11M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 12.3M P10 6.6M – P90 25.2M | 29.1M | 59k 23.2k + 35.7k | 134 % | 98 % | 518k | 14.7M |
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.