🇮🇪 Ireland Pension Planner
Tax relief & fund growth calculator — updated for 2025/2026
Your details
💡 Employer contributions don't count against your Revenue limit
Revenue's age-linked limit applies only to your contributions. Whatever your employer puts in sits completely outside that cap — it is entirely on top. Many employees unnecessarily reduce their own contributions thinking they are near their limit, not realising their employer's share is treated separately.
Your contribution
€5,500
per year
Tax relief value
€2,200
at 40% band
Employer contribution
€2,200
per year
Total going in
€7,700
yours + employer
Net cost to you
€3,300
after tax relief
Monthly net cost
€275
per month
Your gross annual contribution€5,500
Employer annual contribution€2,200
Total going into your pension€7,700
Tax relief saving (on your share)−€2,200
Your max tax-relieved contribution€11,000
Employer limitNo cap (separate)
Revenue income cap€115,000
Standard rate threshold€44,000
Projection inputs
Projected fund at 65
—
tax-free growth included
Your contributions
—
Employer contributions
—
Growth scenarios at 65
Pension fund growth
Stacked: your contributions / employer / tax-free growth.
PRSI contributions (TCA method)
Estimated weekly pension
€0.00
€0/year · from age 66
% of maximum
0%
Max (2026)
€299.30/wk
Contribution tracker
0520 (min)1,0402,080
Contributions to date520
Projected future contributions0
Home caring (capped at 1,040)0
Total TCA contributions520
Maximum required2,080
TCA phase-in from January 2025
You need 2,080 PRSI contributions (40 years × 52/year) for the full €299.30/week pension. Home caring periods count toward up to 1,040 weeks. The older Yearly Average method is being phased out by 2034. You can defer from age 66 to 70 for a higher weekly rate.
ARF drawdown model
Estimated age fund depleted
95+
6% withdrawal rate
Monthly income
€1,500
Retirement age
65
ARF balance over time
Key ARF rules
Revenue requires a minimum 4% annual withdrawal (5% from age 70). All withdrawals are taxed as income. At retirement you can take 25% of your fund (up to €200,000) tax-free; the next €300,000 is taxed at 20%. Unused ARF funds can pass to your estate.
Revenue age-linked contribution limits
| Age range | Max % | Max contrib | Relief @40% |
|---|
Your current age row is highlighted. Based on a €115,000 earnings cap. Employer contributions are treated separately.
Auto-enrolment rates (from 2025)
Years 1–3
1.5% + 1.5%
+ 0.5% state top-up
Years 4–6
3% + 3%
+ 1% state top-up
Years 7–9
4.5% + 4.5%
+ 1.5% state top-up
Year 10+
6% + 6%
+ 2% state top-up
Auto-enrolment applies to employees aged 23–60 earning over €20,000. You can opt out after 6 months but will be automatically re-enrolled after 2 years.
