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 -0.2 | vs market +0.0 ± 0.0 | = -0.2 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 | 14.9M P10 6.1M – P90 40.2M | 35.4M | 66.7k 23.2k + 43.5k | 151 % | – | 341k | 20.8M |
| Savings account only | 0 · 0 · 20k · 0 | 7.9M P10 7.9M – P90 7.9M | 18.7M | 46.2k 23.2k + 23k | 105 % | 18 % | 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 % | 21 % | 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 % | 47 % | 802k | 17.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 18.3k | 14.6M P10 6.3M – P90 38.3M | 34.7M | 65.9k 23.2k + 42.7k | 150 % | 30 % | 515k | 20.2M |
| 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 % | 19 % | 191k | 8.3M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 16k | 15.1M P10 6.7M – P90 38.5M | 35.9M | 67.4k 23.2k + 44.2k | 153 % | 54 % | 443k | 20.4M |
| 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 % | 22 % | 157k | 9.8M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 14.3k | 14.8M P10 6.8M – P90 36.6M | 35.2M | 66.5k 23.2k + 43.3k | 151 % | 46 % | 612k | 19.7M |
| 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 % | 23 % | 350k | 10.2M |
| Custom split | 1.7k · 4k · 0 · 14.3k | 14.8M P10 6.8M – P90 36.6M | 35.2M | 66.5k 23.2k + 43.3k | 151 % | 46 % | 612k | 19.7M |
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.