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 | 5.2M P10 1.5M – P90 23.9M | 12.3M | 38.3k 23.2k + 15.1k | 87 % | – | 9 % | 183k | 11.5M |
| Savings account only | 0 · 0 · 6k · 0 | 3.2M P10 3.2M – P90 3.2M | 7.7M | 32.6k 23.2k + 9.4k | 74 % | 32 % | 0 % | 0 | 3.2M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 5M P10 2.8M – P90 9M | 11.9M | 37.8k 23.2k + 14.6k | 86 % | 47 % | 0 % | 1M | 5.7M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 7M P10 3.6M – P90 15.1M | 16.6M | 43.6k 23.2k + 20.3k | 99 % | 71 % | 0 % | 401k | 8.6M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 5.5M P10 2.4M – P90 17.7M | 13.1M | 39.3k 23.2k + 16.1k | 89 % | 57 % | 9 % | 663k | 9.2M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 4.4M P10 3.3M – P90 6.7M | 10.6M | 36.2k 23.2k + 13k | 82 % | 42 % | 0 % | 560k | 4.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 6.8M P10 3.2M – P90 18.7M | 16.2M | 43.2k 23.2k + 20k | 98 % | 75 % | 9 % | 360k | 9.9M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 6.3M P10 3.7M – P90 12.5M | 14.9M | 41.5k 23.2k + 18.3k | 94 % | 63 % | 0 % | 306k | 7.5M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 6.7M P10 3.4M – P90 15.4M | 15.9M | 42.8k 23.2k + 19.6k | 97 % | 69 % | 9 % | 518k | 8.6M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 6.5M P10 3.5M – P90 13.5M | 15.5M | 42.3k 23.2k + 19.1k | 96 % | 66 % | 0 % | 501k | 7.9M |
| Custom split | 1.7k · 4k · 0 · 300 | 6.7M P10 3.4M – P90 15.4M | 15.9M | 42.8k 23.2k + 19.6k | 97 % | 69 % | 9 % | 518k | 8.6M |
Median wealth by plan — today's money
Max benefit: DPS state max + DIP + savings — 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)
Max benefit: DPS state max + DIP + savings — 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.