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 -0.4 | vs market -0.2 ± 0.2 | = -0.7 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 | 5.6M P10 2.8M – P90 12.6M | 13.4M | 39.7k 23.2k + 16.5k | 90 % | – | 83.1k | 7M |
| Savings account only | 0 · 0 · 6k · 0 | 2.4M P10 2.4M – P90 2.4M | 5.6M | 30.1k 23.2k + 6.9k | 68 % | 6 % | 0 | 2.4M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 3.7M P10 2.1M – P90 6.8M | 8.8M | 34k 23.2k + 10.8k | 77 % | 1 % | 773k | 4.2M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 5.4M P10 2.7M – P90 12M | 12.9M | 39k 23.2k + 15.8k | 89 % | 16 % | 255k | 6.7M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 5.2M P10 2.7M – P90 11.1M | 12.3M | 38.4k 23.2k + 15.2k | 87 % | 3 % | 288k | 6.3M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 2.8M P10 2.3M – P90 3.7M | 6.7M | 31.4k 23.2k + 8.2k | 71 % | 5 % | 226k | 3M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 5.6M P10 2.8M – P90 12.5M | 13.4M | 39.7k 23.2k + 16.5k | 90 % | 52 % | 192k | 7M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 4.3M P10 2.6M – P90 8.4M | 10.2M | 35.8k 23.2k + 12.6k | 81 % | 6 % | 158k | 5.1M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 5.1M P10 2.6M – P90 10.9M | 12.2M | 38.2k 23.2k + 15k | 87 % | 3 % | 398k | 6.3M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 4.7M P10 2.6M – P90 9.7M | 11.2M | 37k 23.2k + 13.8k | 84 % | 3 % | 387k | 5.7M |
| Custom split | 1.7k · 4k · 0 · 300 | 5.1M P10 2.6M – P90 10.9M | 12.2M | 38.2k 23.2k + 15k | 87 % | 3 % | 398k | 6.3M |
Median wealth by plan — today's money
Full DIP (no 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)
Full DIP (no 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.