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 -1.6 | vs market -1.0 ± 1.0 | = -2.6 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 · 6k | 12.6M P10 2.8M – P90 12.6M | 29.8M | 59.9k 23.2k + 36.7k | 136 % | – | 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 | 4M P10 2.2M – P90 4M | 9.6M | 35k 23.2k + 11.8k | 79 % | 4 % | 565k | 3M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 11.8M P10 2.7M – P90 11.8M | 28M | 57.7k 23.2k + 34.5k | 131 % | 9 % | 287k | 6.6M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 10.2M P10 2.7M – P90 10.2M | 24.3M | 53.1k 23.2k + 29.9k | 121 % | 7 % | 228k | 6M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 2.9M P10 2.4M – P90 2.9M | 6.9M | 31.7k 23.2k + 8.5k | 72 % | 6 % | 165k | 2.6M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 12.4M P10 2.8M – P90 12.4M | 29.5M | 59.5k 23.2k + 36.3k | 135 % | 41 % | 212k | 7M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 8.3M P10 2.6M – P90 8.3M | 19.7M | 47.4k 23.2k + 24.2k | 108 % | 6 % | 178k | 5.1M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 10M P10 2.7M – P90 10M | 23.7M | 52.4k 23.2k + 29.2k | 119 % | 6 % | 359k | 5.9M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 8.8M P10 2.6M – P90 8.8M | 20.8M | 48.8k 23.2k + 25.5k | 111 % | 5 % | 348k | 5.3M |
| Custom split | 1.7k · 4k · 0 · 300 | 10M P10 2.7M – P90 10M | 23.7M | 52.4k 23.2k + 29.2k | 119 % | 6 % | 359k | 5.9M |
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.