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 | 17.5M P10 1.1M – P90 17.5M | 41.5M | 66.9k 23.2k + 43.7k | 152 % | – | 9 % | 134k | 8.4M |
| Savings account only | 0 · 0 · 6k · 0 | 2.4M P10 2.4M – P90 2.4M | 5.6M | 29.1k 23.2k + 5.9k | 66 % | 32 % | 0 % | 0 | 2.4M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 5.8M P10 1.8M – P90 5.8M | 13.7M | 37.7k 23.2k + 14.5k | 86 % | 39 % | 0 % | 654k | 3.6M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 9.5M P10 2.3M – P90 9.5M | 22.6M | 47k 23.2k + 23.8k | 107 % | 61 % | 0 % | 252k | 5.4M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 14.4M P10 1.4M – P90 14.4M | 34.2M | 59.2k 23.2k + 36k | 134 % | 44 % | 9 % | 293k | 7.2M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 3.4M P10 2.3M – P90 3.4M | 8.1M | 31.8k 23.2k + 8.5k | 72 % | 34 % | 0 % | 191k | 2.8M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 13.1M P10 1.9M – P90 13.1M | 31.1M | 56k 23.2k + 32.7k | 127 % | 64 % | 9 % | 211k | 6.8M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 6.9M P10 2.4M – P90 6.9M | 16.3M | 40.4k 23.2k + 17.2k | 92 % | 48 % | 0 % | 157k | 4.3M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 9.8M P10 2.1M – P90 9.8M | 23.2M | 47.6k 23.2k + 24.4k | 108 % | 57 % | 9 % | 368k | 5.5M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 7.9M P10 2.2M – P90 7.9M | 18.7M | 42.9k 23.2k + 19.7k | 97 % | 53 % | 0 % | 350k | 4.7M |
| Custom split | 1.7k · 4k · 0 · 300 | 9.8M P10 2.1M – P90 9.8M | 23.2M | 47.6k 23.2k + 24.4k | 108 % | 57 % | 9 % | 368k | 5.5M |
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.