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 · 6k | 13.4M P10 3.4M – P90 13.4M | 31.7M | 62.2k 23.2k + 39k | 141 % | – | 443k | 7.7M |
| Savings account only | 0 · 0 · 6k · 0 | 5.6M P10 3.4M – P90 5.6M | 13.3M | 39.6k 23.2k + 16.4k | 90 % | 10 % | 369k | 4.4M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 9M P10 2.8M – P90 9M | 21.4M | 49.6k 23.2k + 26.3k | 113 % | 1 % | 1M | 5.7M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 12.8M P10 3.3M – P90 12.8M | 30.3M | 60.4k 23.2k + 37.2k | 137 % | 10 % | 625k | 7.4M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 12.3M P10 3.3M – P90 12.3M | 29.1M | 59k 23.2k + 35.8k | 134 % | 5 % | 614k | 7.2M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 6.7M P10 3.3M – P90 6.7M | 15.8M | 42.7k 23.2k + 19.4k | 97 % | 9 % | 560k | 4.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 13.3M P10 3.4M – P90 13.3M | 31.5M | 61.9k 23.2k + 38.7k | 141 % | 44 % | 558k | 7.7M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 10.1M P10 3.4M – P90 10.1M | 24M | 52.7k 23.2k + 29.5k | 120 % | 10 % | 528k | 6.3M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 12.1M P10 3.3M – P90 12.1M | 28.7M | 58.5k 23.2k + 35.2k | 133 % | 4 % | 729k | 7.1M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 11.1M P10 3.3M – P90 11.1M | 26.4M | 55.7k 23.2k + 32.4k | 126 % | 5 % | 720k | 6.7M |
| Custom split | 1.7k · 4k · 0 · 300 | 12.1M P10 3.3M – P90 12.1M | 28.7M | 58.5k 23.2k + 35.2k | 133 % | 4 % | 729k | 7.1M |
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.