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 · 3k | 889k P10 381k – P90 2.2M | 2.1M | 25.8k 23.2k + 2.6k | 59 % | – | 20.3k | 1.2M |
| Savings account only | 0 · 0 · 3k · 0 | 1.2M P10 1.2M – P90 1.2M | 2.8M | 26.7k 23.2k + 3.4k | 61 % | 66 % | 0 | 1.2M |
| Full DPS (no broker) | 3k · 0 · 0 · 0 | 818k P10 387k – P90 1.8M | 1.9M | 25.6k 23.2k + 2.4k | 58 % | 32 % | 146k | 1M |
| Full DIP (no broker) | 0 · 3k · 0 · 0 | 908k P10 391k – P90 2.2M | 2.2M | 25.9k 23.2k + 2.6k | 59 % | 75 % | 73.8k | 1.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 1.3k | 862k P10 391k – P90 2M | 2M | 25.7k 23.2k + 2.5k | 58 % | 37 % | 91k | 1.1M |
| DPS to state max + savings | 1.7k · 0 · 1.3k · 0 | 992k P10 755k – P90 1.5M | 2.4M | 26.1k 23.2k + 2.9k | 59 % | 61 % | 81.5k | 1.1M |
| DIP to deduction cap + broker | 0 · 3k · 0 · 0 | 908k P10 391k – P90 2.2M | 2.2M | 25.9k 23.2k + 2.6k | 59 % | 75 % | 73.8k | 1.2M |
| DIP to deduction cap + savings | 0 · 3k · 0 · 0 | 908k P10 391k – P90 2.2M | 2.2M | 25.9k 23.2k + 2.6k | 59 % | 75 % | 73.8k | 1.2M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 1.3k · 0 · 0 | 876k P10 398k – P90 2M | 2.1M | 25.8k 23.2k + 2.6k | 59 % | 45 % | 116k | 1.1M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 1.3k · 0 · 0 | 876k P10 398k – P90 2M | 2.1M | 25.8k 23.2k + 2.6k | 59 % | 45 % | 116k | 1.1M |
| Custom split | 1.7k · 1.3k · 0 · 0 | 876k P10 398k – P90 2M | 2.1M | 25.8k 23.2k + 2.6k | 59 % | 45 % | 116k | 1.1M |
Median wealth by plan — today's money
Savings account only — 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)
Savings account only — 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.