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 | 3.9M P10 1.7M – P90 9M | 9.3M | 33k 23.2k + 9.8k | 75 % | – | 65.9k | 4.9M |
| Savings account only | 0 · 0 · 6k · 0 | 2.4M P10 2.4M – P90 2.4M | 5.6M | 29.1k 23.2k + 5.9k | 66 % | 23 % | 0 | 2.4M |
| Full DPS (no broker) | 6k · 0 · 0 · 0 | 2.9M P10 1.4M – P90 5.4M | 6.8M | 30.4k 23.2k + 7.2k | 69 % | 5 % | 574k | 3.3M |
| Full DIP (no broker) | 0 · 6k · 0 · 0 | 3.7M P10 1.6M – P90 8.6M | 8.8M | 32.5k 23.2k + 9.3k | 74 % | 12 % | 227k | 4.7M |
| DPS to state max + broker | 1.7k · 0 · 0 · 4.3k | 3.7M P10 1.6M – P90 8.1M | 8.7M | 32.4k 23.2k + 9.2k | 74 % | 12 % | 217k | 4.5M |
| DPS to state max + savings | 1.7k · 0 · 4.3k · 0 | 2.6M P10 2.1M – P90 3.3M | 6.1M | 29.6k 23.2k + 6.4k | 67 % | 22 % | 168k | 2.7M |
| DIP to deduction cap + broker | 0 · 4k · 0 · 2k | 3.9M P10 1.7M – P90 9M | 9.2M | 32.9k 23.2k + 9.7k | 75 % | 46 % | 168k | 4.9M |
| DIP to deduction cap + savings | 0 · 4k · 2k · 0 | 3.3M P10 1.9M – P90 6.3M | 7.7M | 31.4k 23.2k + 8.2k | 71 % | 23 % | 142k | 3.9M |
| Max benefit: DPS state max + DIP + broker | 1.7k · 4k · 0 · 300 | 3.6M P10 1.6M – P90 8M | 8.6M | 32.3k 23.2k + 9.1k | 73 % | 9 % | 320k | 4.5M |
| Max benefit: DPS state max + DIP + savings | 1.7k · 4k · 300 · 0 | 3.4M P10 1.7M – P90 7.2M | 8.1M | 31.8k 23.2k + 8.6k | 72 % | 15 % | 312k | 4.2M |
| Custom split | 1.7k · 4k · 0 · 300 | 3.6M P10 1.6M – P90 8M | 8.6M | 32.3k 23.2k + 9.1k | 73 % | 9 % | 320k | 4.5M |
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.