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 -1.5 ± 1.0 | = -2.0 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 · 6k | 6.3M P10 3.2M – P90 13.8M | 15M | 41.7k 23.2k + 18.4k | 95 % | – | 99.7k | 7.8M |
| Savings account only | 0 · 0 · 6k · 0 | 3.2M P10 3.2M – P90 3.2M | 7.7M | 32.6k 23.2k + 9.4k | 74 % | 10 % | 0 | 3.2M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 5M P10 2.8M – P90 9M | 11.9M | 37.8k 23.2k + 14.6k | 86 % | 8 % | 1M | 5.7M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 5.5M P10 2.8M – P90 12M | 12.9M | 39.1k 23.2k + 15.9k | 89 % | 18 % | 344k | 6.7M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 6.1M P10 3.3M – P90 12.3M | 14.5M | 41.1k 23.2k + 17.9k | 93 % | 32 % | 614k | 7.2M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 4.4M P10 3.3M – P90 6.7M | 10.6M | 36.2k 23.2k + 13k | 82 % | 13 % | 560k | 4.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 6.1M P10 3.1M – P90 13.1M | 14.4M | 40.9k 23.2k + 17.7k | 93 % | 34 % | 293k | 7.4M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 5.1M P10 3.1M – P90 10.1M | 12.1M | 38.1k 23.2k + 14.9k | 87 % | 14 % | 262k | 6M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 5.7M P10 3M – P90 12M | 13.4M | 39.7k 23.2k + 16.5k | 90 % | 19 % | 464k | 6.8M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 5.4M P10 3M – P90 11.1M | 12.8M | 38.9k 23.2k + 15.7k | 88 % | 14 % | 455k | 6.4M |
| Custom split | 1.7k · 4k · 0 · 300 | 5.7M P10 3M – P90 12M | 13.4M | 39.7k 23.2k + 16.5k | 90 % | 19 % | 464k | 6.8M |
Median wealth by plan — today's money
Broker ETF 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)
Broker ETF 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.