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 | 3.5M P10 1.9M – P90 7.3M | 8.3M | 33.4k 23.2k + 10.2k | 76 % | – | 62.7k | 4.2M |
| Savings account only | 0 · 0 · 6k · 0 | 2.6M P10 2.6M – P90 2.6M | 6.1M | 30.7k 23.2k + 7.5k | 70 % | 27 % | 0 | 2.6M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 2.8M P10 1.6M – P90 4.9M | 6.7M | 31.4k 23.2k + 8.2k | 71 % | 8 % | 525k | 3.2M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 3.5M P10 1.9M – P90 7.3M | 8.4M | 33.6k 23.2k + 10.3k | 76 % | 65 % | 229k | 4.2M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 3.4M P10 1.9M – P90 6.7M | 8.1M | 33.2k 23.2k + 10k | 75 % | 33 % | 245k | 4M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 2.8M P10 2.4M – P90 3.6M | 6.7M | 31.4k 23.2k + 8.2k | 71 % | 28 % | 202k | 2.9M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 3.7M P10 2M – P90 7.6M | 8.7M | 34k 23.2k + 10.7k | 77 % | 98 % | 178k | 4.4M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 3.3M P10 2.2M – P90 5.9M | 7.9M | 33k 23.2k + 9.7k | 75 % | 39 % | 154k | 3.8M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 3.5M P10 1.9M – P90 7M | 8.3M | 33.4k 23.2k + 10.2k | 76 % | 47 % | 297k | 4.1M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 3.4M P10 2M – P90 6.5M | 8.1M | 33.1k 23.2k + 9.9k | 75 % | 36 % | 290k | 3.9M |
| Custom split | 1.7k · 4k · 0 · 300 | 3.5M P10 1.9M – P90 7M | 8.3M | 33.4k 23.2k + 10.2k | 76 % | 47 % | 297k | 4.1M |
Median wealth by plan — today's money
Savings account 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)
Savings account 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.