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DIP vs DPS Comparison

Compare Czech pension products side by side. See how fees, employer contributions, and tax benefits affect your final balance.

Plan Comparison

Shared Inputs
50020,000
Many employers contribute ~3% of gross salary. Employer can contribute to both DIP and DPS.
1 year40 years
DIP — Dlouhodobý investiční produkt
Annual fee charged on total assets. Typical: 0.5–1.5%
Fee on positive returns only. Many DIP platforms charge 0%.
Deducted from each of your own contributions (not employer). Some platforms charge up to 3–5%.
DPS — Doplňkové penzijní spoření
Annual fee charged on total assets. Typical: 0.4–1.0%
Fee on positive returns only. Typical: 0–15%
Always 0% for DPS — entry fees are not permitted by regulation.

DIP

0CZK
Better
Your contributions0
Employer contributions0
Investment growth0
Total fees paid0
Annual tax deduction0
Total tax saved0

DPS

0CZK
Better
Your contributions0
Employer contributions0
Investment growth0
Total fees paid0
Annual tax deduction0
Total tax saved0
0 CZK
Difference in final balance
DPS wins with higher returns

Lifetime Fee Breakdown

DIP Fees
Management fees0
Performance fees0
Entry fees0 (always)
Total DIP fees0
DPS Fees
Management fees0
Performance fees0
Entry fees0
Total DPS fees0

Growth Over Time

YearDIP BalanceDPS BalanceDifference
Not sure which is right for you? DIP and DPS have different tax rules, lock-in periods, and investment options. We help expats pick the optimal combination based on their timeline and goals. Book a free consultation →

DIP vs DPS — What's the Difference?

Czechia offers two tax-advantaged long-term savings products. Both provide tax deductions of up to 48,000 CZK per year (combined limit), but they work differently under the hood.

DIP — Dlouhodobý investiční produkt (Long-term Investment Product)

DIP was introduced in 2024 as a flexible long-term investment product. It allows investing in a wider range of assets including stocks, ETFs, and bonds through banks and brokerages. Returns can be higher, but entry fees may apply and investment options carry more risk. DIP also qualifies for the same 48,000 CZK tax deduction.

DPS — Doplňkové penzijní spoření (Supplementary Pension Savings)

DPS is the regulated Czech pension product managed by pension fund companies. It offers a limited selection of funds (typically conservative to balanced), has no entry fees by regulation, and includes employer contribution benefits. The trade-off is generally lower returns due to more conservative investment options and regulated fee structures.

Can I Have Both?

Yes — you can have both a DIP and a DPS. The combined annual tax deduction is capped at 48,000 CZK across both products. Many expats use DPS for the employer match and conservative base, then add DIP for higher-growth equity exposure.

Fee Structures

DPS fees are regulated: no entry fees, and management fees are typically 0.4–1.0% p.a. DIP fees vary by provider and may include entry fees (deducted from your contributions), management fees, and sometimes performance fees. Over long periods, even small fee differences compound into large amounts — which is exactly what this calculator helps you see.

Disclaimer: This calculator provides projections based on assumed constant returns and fee rates. Actual investment returns vary, fees may change, and past performance does not predict future results. The 48,000 CZK combined deduction limit applies to DIP + DPS together. For personalized advice on optimal product allocation, book a free consultation. Learn more about our pension planning services.