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 | 20.9M P10 10.3M – P90 46.5M | 49.5M | 84.1k 23.2k + 60.9k | 191 % | – | 307k | 25.9M |
| Savings account only | 0 · 0 · 20k · 0 | 8.7M P10 8.7M – P90 8.7M | 20.8M | 48.7k 23.2k + 25.5k | 111 % | 6 % | 0 | 8.7M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 13.5M P10 7.7M – P90 24.8M | 32.1M | 62.7k 23.2k + 39.4k | 142 % | 1 % | 2.8M | 15.5M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 20.1M P10 10.1M – P90 44.5M | 47.8M | 82k 23.2k + 58.8k | 186 % | 20 % | 1.1M | 24.9M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 20.5M P10 10.4M – P90 44.1M | 48.6M | 82.9k 23.2k + 59.7k | 188 % | 23 % | 921k | 25M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 10.4M P10 9M – P90 13M | 24.6M | 53.5k 23.2k + 30.3k | 121 % | 6 % | 663k | 10.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 21.9M P10 10.9M – P90 48.7M | 51.9M | 87.1k 23.2k + 63.8k | 198 % | 100 % | 575k | 27.2M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 12.9M P10 9.7M – P90 20.8M | 30.7M | 60.9k 23.2k + 37.7k | 138 % | 7 % | 348k | 14.5M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 21.4M P10 10.7M – P90 47M | 50.7M | 85.6k 23.2k + 62.3k | 194 % | 92 % | 783k | 26.4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 13.3M P10 9.6M – P90 22.1M | 31.6M | 62.1k 23.2k + 38.9k | 141 % | 7 % | 580k | 15M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 21.4M P10 10.7M – P90 47M | 50.7M | 85.6k 23.2k + 62.3k | 194 % | 92 % | 783k | 26.4M |
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.