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

35
66

Your selected age is a planning assumption, not confirmation that your pension can be accessed then.

€50,000
€0
€200
€100
Expected real annual growth (after charges and inflation)
Your income tax rate
Projected pension fund at retirement
—
Illustrative monthly income from your pension fund
—
Before tax, using a 4% illustrative withdrawal rate. State Pension is excluded because your entitlement is unknown.
From your pension fund (4%/yr drawdown) —
State Pension assumption Excluded
Private pension income only —

The Irish State Pension (Contributory) is available from age 66 if you qualify. Your record may give you a full rate, a reduced rate or no entitlement. It is not included at any retirement age in this estimate. Check the official eligibility guidance and request your contribution record.

Fund growth year by year
Your current rate
If you maxed Revenue allowance
Revenue tax relief allowance
You contribute of salary Revenue cap:
Estimated Income Tax relief on your contribution: — per year, if the full amount qualifies at the selected rate.
Private pension gap: vs two-thirds of current earnings
A rough comparison in today's money, not a personal retirement-income target. This excludes State Pension and other income, so it is not your total retirement shortfall.
Annual comparison level —
Illustrative annual private pension income —
Gap —

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These numbers are illustrative. A regulated advisor can examine your salary, employer scheme, charges, tax position and likely State Pension entitlement, then prepare a projection based on your circumstances.

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Disclaimer: Figures are illustrative and shown in today's money. The selected growth rate is a real return after charges and inflation; contributions are assumed to keep pace with inflation and no withdrawals are assumed before retirement. The private pension income estimate applies a 4% illustrative withdrawal rate and is shown before tax. That rate is not a guarantee of sustainable income. Actual values depend on investment returns, charges, contribution history and pension rules. State Pension and other income are excluded from all income and gap calculations. Tax relief is limited to qualifying personal contributions, relevant earnings and your actual marginal Income Tax rate; no USC or PRSI relief applies. This tool is not financial advice.

What the estimate assumes: no State Pension is added, including when your selected retirement age is 66 or later. Excluding it is a modelling choice, not a finding that you have no entitlement. The tax-relief estimate applies only to your own entered contribution, then caps it using the displayed age band and €115,000 earnings limit. It does not check your employer scheme, AVCs, other pension products, tax paid, or whether any contribution is eligible for relief. See the State Pension 2026 rates and rules and Revenue's pension-contribution limits. Tax-relief figures and sources checked 29 August 2026. State Pension exclusion and official age guidance checked 9 September 2026.
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.

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