Czechia · CZK · Pension guide
Czechia retirement calculator
Start with your own ČSSZ pension forecast, then add any supplementary pension payments. Explore the gap between those amounts and your budget in Czech koruna.
Understand the pension systemWorked example. Change the inputs to explore your plan.
Accessible savings at retirement · 65
CZK 2,353,664
Today's money · After tax, in today's money.
At retirement, under these assumptions. This is not an extra monthly contribution.
Your accessible savings over time
Today's moneyThe first spending shortfall appears around age 72. Later pension payments may change the gap.
Pensions are set to zero. Add your estimates to include them.
See the year-by-year breakdown
| Age at year end | Phase | Savings added | Real growth | Pension income | Savings withdrawn | Unfunded spending | Savings left |
|---|---|---|---|---|---|---|---|
| 46 | Saving | CZK 36,000 | CZK 19,930 | CZK 0 | CZK 0 | CZK 0 | CZK 1,055,930 |
| 47 | Saving | CZK 36,000 | CZK 21,027 | CZK 0 | CZK 0 | CZK 0 | CZK 1,112,957 |
| 48 | Saving | CZK 36,000 | CZK 22,145 | CZK 0 | CZK 0 | CZK 0 | CZK 1,171,102 |
| 49 | Saving | CZK 36,000 | CZK 23,285 | CZK 0 | CZK 0 | CZK 0 | CZK 1,230,387 |
| 50 | Saving | CZK 36,000 | CZK 24,448 | CZK 0 | CZK 0 | CZK 0 | CZK 1,290,835 |
| 51 | Saving | CZK 36,000 | CZK 25,633 | CZK 0 | CZK 0 | CZK 0 | CZK 1,352,468 |
| 52 | Saving | CZK 36,000 | CZK 26,841 | CZK 0 | CZK 0 | CZK 0 | CZK 1,415,309 |
| 53 | Saving | CZK 36,000 | CZK 28,074 | CZK 0 | CZK 0 | CZK 0 | CZK 1,479,383 |
| 54 | Saving | CZK 36,000 | CZK 29,330 | CZK 0 | CZK 0 | CZK 0 | CZK 1,544,713 |
| 55 | Saving | CZK 36,000 | CZK 30,611 | CZK 0 | CZK 0 | CZK 0 | CZK 1,611,324 |
| 56 | Saving | CZK 36,000 | CZK 31,917 | CZK 0 | CZK 0 | CZK 0 | CZK 1,679,241 |
| 57 | Saving | CZK 36,000 | CZK 33,249 | CZK 0 | CZK 0 | CZK 0 | CZK 1,748,489 |
| 58 | Saving | CZK 36,000 | CZK 34,606 | CZK 0 | CZK 0 | CZK 0 | CZK 1,819,096 |
| 59 | Saving | CZK 36,000 | CZK 35,991 | CZK 0 | CZK 0 | CZK 0 | CZK 1,891,087 |
| 60 | Saving | CZK 36,000 | CZK 37,403 | CZK 0 | CZK 0 | CZK 0 | CZK 1,964,489 |
| 61 | Saving | CZK 36,000 | CZK 38,842 | CZK 0 | CZK 0 | CZK 0 | CZK 2,039,331 |
| 62 | Saving | CZK 36,000 | CZK 40,309 | CZK 0 | CZK 0 | CZK 0 | CZK 2,115,640 |
| 63 | Saving | CZK 36,000 | CZK 41,806 | CZK 0 | CZK 0 | CZK 0 | CZK 2,193,446 |
| 64 | Saving | CZK 36,000 | CZK 43,331 | CZK 0 | CZK 0 | CZK 0 | CZK 2,272,777 |
| 65 | Saving | CZK 36,000 | CZK 44,887 | CZK 0 | CZK 0 | CZK 0 | CZK 2,353,664 |
| 66 | Retirement | CZK 0 | CZK 42,926 | CZK 0 | CZK 360,000 | CZK 0 | CZK 2,036,590 |
| 67 | Retirement | CZK 0 | CZK 36,709 | CZK 0 | CZK 360,000 | CZK 0 | CZK 1,713,299 |
| 68 | Retirement | CZK 0 | CZK 30,370 | CZK 0 | CZK 360,000 | CZK 0 | CZK 1,383,669 |
| 69 | Retirement | CZK 0 | CZK 23,907 | CZK 0 | CZK 360,000 | CZK 0 | CZK 1,047,576 |
| 70 | Retirement | CZK 0 | CZK 17,317 | CZK 0 | CZK 360,000 | CZK 0 | CZK 704,893 |
| 71 | Retirement | CZK 0 | CZK 10,597 | CZK 0 | CZK 360,000 | CZK 0 | CZK 355,490 |
| 72 | Retirement | CZK 0 | CZK 3,746 | CZK 0 | CZK 359,237 | CZK 763 | CZK 0 |
| 73 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 74 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 75 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 76 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 77 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 78 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 79 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 80 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 81 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 82 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 83 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 84 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 85 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 86 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 87 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 88 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 89 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 90 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 91 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 92 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 93 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 94 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
| 95 | Retirement | CZK 0 | CZK 0 | CZK 0 | CZK 0 | CZK 360,000 | CZK 0 |
Educational estimates. Not personal financial advice. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.
Example: financing two years before public pension
Suppose you stop work at 63, spend CZK 30,000 a month and receive a confirmed supplementary payment of CZK 12,000 until 65. With no other income, the monthly savings gap is CZK 18,000. At zero return and zero inflation, the 24-month bridge needs CZK 432,000. These are invented figures and dates; the example does not establish eligibility for předdůchod or an early state pension.
Understand the pension systemCzechia
Common questions
Does this calculate my Czech state pension?
No. Use ČSSZ's IDA or the relevant official service for an informative public pension estimate. Enter that estimate here to compare it with your spending and savings. A final pension decision comes from the authority.
Are předdůchod and early state pension interchangeable?
No. Předdůchod uses your supplementary pension savings. Early state pension belongs to the public system; an early-claim reduction can remain after normal pension age. This tool calculates neither the conditions nor the reduction. Ask ČSSZ or your pension company about your case.
Are state contributions and tax relief included?
No. The savings input is money actually added to accessible savings. The calculator does not award state contributions, calculate tax relief or reproduce a supplementary pension contract. Use net amounts and avoid adding restricted assets twice.
Methodology · 1.0
Methodology
One consistent money basis
All inputs and results use today's purchasing power. Enter net pension payments and spending after tax. The net return is nominal, after investment taxes and fees. Monthly real growth factor = ((1 + net return / 100) / (1 + inflation / 100))^(1/12). Savings contributions remain constant in real terms and arrive at month-end until retirement.
How the income gap is funded
From retirement, the monthly gap is max(0, spending − active pension payments). Savings grow first, then a month-end withdrawal funds the gap up to the available balance. Excess pension income is not reinvested. The capital needed at retirement is the sum of these future gaps discounted at the monthly real return; no future pension is borrowed against.
What the estimate leaves out
Amounts stay constant in real terms: the model assumes payments keep pace with inflation, which your actual pension may not do. Ages use whole years; no calendar dates, pension accrual, changing taxes, benefit offsets, future lump sums, market volatility or inheritance target are modelled. Income before your entered retirement age is excluded. Changing a start age does not recalculate the payment amount. Only combine streams that share the same dates.
Official sources & pension overviews
- ČSSZ · Informativní důchodová aplikace (IDA) ↗
- Ministerstvo financí · Doplňkové penzijní spoření a předdůchod ↗
- ČSSZ · Předčasný starobní důchod: otázky a odpovědi ↗
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.