Irish Pension Calculator

Estimate your retirement fund, monthly income, pension gap and Revenue tax-relief room before you compare PRSAs, increase contributions or speak with an advisor.

Illustrative only — not financial advice. Consult a regulated advisor for your actual situation.

Your details

Current age 35
Planned retirement age 66
Annual salary €50,000
Current pension pot €0
Your contribution / month €200
Employer contribution / month €100
Expected annual growth (net of charges)
Your income tax rate
Projected pension fund at retirement
—
Estimated monthly income in retirement
—
Pension drawdown (4% withdrawal rate) + State Pension
From your pension fund (4%/yr drawdown) —
State Pension (€289.30/week, 2026 rate) €1,254/mo
Total estimated monthly income —
Fund growth year by year
Your current rate
If you maxed Revenue allowance
Revenue tax relief allowance
You contribute of salary Revenue cap:
Revenue contributes — per year via tax relief — money you'd otherwise pay in income tax.
Gap analysis — vs ⅔ salary retirement target
Target: ⅔ of your current salary as annual retirement income
Target annual income —
Projected annual income —
Gap —

Get a personalised projection

These numbers are illustrative. A Central Bank regulated advisor can model your exact salary trajectory, employer scheme, and State Pension entitlement — and give you a precise contribution rate to hit your retirement target.

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Disclaimer: All figures are illustrative estimates based on the inputs you provide and assume a constant rate of return (net of charges), constant contributions and no withdrawals before retirement. Actual pension values depend on investment performance, fund charges, contribution history, tax law changes, pension type, employer contributions and State Pension entitlement. The State Pension figure (€289.30/week) reflects the 2026 contributory rate and may change. Tax relief assumes contributions qualify for relief under Revenue rules. The €115,000 earnings cap on qualifying contributions applies. This tool does not constitute financial advice. Consult a Central Bank of Ireland regulated financial advisor before making pension decisions.

How to use this estimate: If the gap is large, compare the result against the tax-relief guide before simply increasing contributions. If you are self-employed, read the self-employed pension guide because PRSA and RAC contribution room depends on net relevant earnings. If you are choosing a new product, use the PRSA guide to prepare provider and charge questions for a regulated advisor.