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 | Margin call? 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 | 8.8M P10 1.2M – P90 19.1M | 21M | 49k 23.2k + 25.8k | 111 % | – | 9 % | 147k | 9.2M |
| Savings account only | 0 · 0 · 6k · 0 | 2.6M P10 2.6M – P90 2.6M | 6.1M | 30.7k 23.2k + 7.5k | 70 % | 32 % | 0 % | 0 | 2.6M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 5M P10 2.1M – P90 6.7M | 11.8M | 37.8k 23.2k + 14.5k | 86 % | 42 % | 0 % | 751k | 4.2M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 7.6M P10 2.6M – P90 11M | 17.9M | 45.3k 23.2k + 22k | 103 % | 65 % | 0 % | 292k | 6.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 7.8M P10 1.7M – P90 15.3M | 18.6M | 46k 23.2k + 22.8k | 105 % | 52 % | 9 % | 391k | 7.7M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 3.6M P10 2.5M – P90 4.3M | 8.6M | 33.8k 23.2k + 10.6k | 77 % | 37 % | 0 % | 289k | 3.3M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 8.4M P10 2.2M – P90 14.5M | 19.9M | 47.6k 23.2k + 24.4k | 108 % | 69 % | 9 % | 250k | 7.6M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 6M P10 2.7M – P90 8.3M | 14.3M | 40.8k 23.2k + 17.6k | 93 % | 54 % | 0 % | 196k | 5.2M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 7.3M P10 2.5M – P90 11.3M | 17.4M | 44.6k 23.2k + 21.4k | 101 % | 62 % | 9 % | 408k | 6.3M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 6.6M P10 2.6M – P90 9.4M | 15.7M | 42.6k 23.2k + 19.3k | 97 % | 58 % | 0 % | 390k | 5.5M |
| Custom split | 1.7k · 4k · 0 · 300 | 7.3M P10 2.5M – P90 11.3M | 17.4M | 44.6k 23.2k + 21.4k | 101 % | 62 % | 9 % | 408k | 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.