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 | 15.4M P10 7.9M – P90 33.8M | 36.6M | 68.2k 23.2k + 45k | 155 % | – | 243k | 19M |
| Broker ETF only, buy the dip | 0 · 0 · 0 · 20k | 15.3M P10 7.8M – P90 33.4M | 36.4M | 67.9k 23.2k + 44.7k | 154 % | 36 % | 241k | 18.6M |
| Savings account only | 0 · 0 · 20k · 0 | 7.9M P10 7.9M – P90 7.9M | 18.7M | 46.2k 23.2k + 23k | 105 % | 10 % | 0 | 7.9M |
| Full DPS (no broker) | 20k · 0 · 0 · 0 | 10M P10 5.7M – P90 17.9M | 23.7M | 52.4k 23.2k + 29.2k | 119 % | 0 % | 2M | 11.3M |
| Full DIP (no broker) | 0 · 20k · 0 · 0 | 14M P10 7.2M – P90 30.3M | 33.3M | 64.2k 23.2k + 41k | 146 % | 0 % | 802k | 17.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 15.1M P10 7.8M – P90 32.7M | 35.9M | 67.3k 23.2k + 44.1k | 153 % | 5 % | 418k | 18.5M |
| DPS to state max + savings | 1.7k · 0 · 18.3k · 0 | 8.2M P10 7.8M – P90 8.9M | 19.4M | 47.1k 23.2k + 23.9k | 107 % | 10 % | 191k | 8.3M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 15.4M P10 7.9M – P90 33.6M | 36.6M | 68.2k 23.2k + 45k | 155 % | 44 % | 357k | 19M |
| DIP to deduction cap + savings | 0 · 4k · 16k · 0 | 9.2M P10 7.9M – P90 12.4M | 21.9M | 50.1k 23.2k + 26.9k | 114 % | 10 % | 157k | 9.8M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 15.1M P10 7.8M – P90 32.4M | 35.8M | 67.2k 23.2k + 43.9k | 153 % | 4 % | 532k | 18.4M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 14.3k · 0 | 9.5M P10 7.8M – P90 13.4M | 22.5M | 50.9k 23.2k + 27.7k | 116 % | 10 % | 350k | 10.2M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 15.1M P10 7.8M – P90 32.4M | 35.8M | 67.2k 23.2k + 43.9k | 153 % | 4 % | 532k | 18.4M |
Median wealth by plan — today's money
DPS to state max + savings — 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)
DPS to state max + savings — likely range, nominal
- Broker ETF only
- Broker ETF only, buy the dip
- 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.