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Ireland pension

Ireland Pension Calculator

Estimate how your pension could grow before retirement. Include your current pension balance, employee and employer contributions, expected investment return and estimated Income Tax relief.

Estimate your pension savings

Enter your age, income and contribution rates to estimate your pension pot at retirement. The calculator also estimates how much of your employee pension contribution may qualify for Income Tax relief under Ireland's age-related pension limits.

Pension calculator

Calculate your pension projection

Enter your pension details and assumptions below. Fields left empty use the example value shown in the field without automatically filling it in.

1. Your retirement profile

Your current age. This is also used to determine the age-related pension tax relief limit.

The age at which you want the pension projection to end.

2. Income and current pension

Your current gross annual employment income.

The approximate current value of your existing pension savings.

3. Pension contributions

The percentage of your annual income that you contribute to your pension.

The percentage of your annual income contributed by your employer.

4. Projection assumptions

The average annual investment return assumed for the projection.

The estimated yearly increase in your salary. Contributions increase with salary in this projection.

Your estimated marginal Income Tax rate used to calculate potential pension tax relief.

If you leave a field empty, the example value shown in that field will be used for the calculation.

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Your pension projection will appear here

Enter your information or use the example values shown in the calculator, then select Calculate.

Pension tax relief

Age-related pension contribution limits

Ireland applies age-related percentage limits when determining how much of an individual's qualifying pension contributions can receive Income Tax relief. The percentage generally increases with age.

AgeMaximum percentage of earnings
Under 3015%
30 to 3920%
40 to 4925%
50 to 5430%
55 to 5935%
60 or over40%

Earnings limit for tax relief

The calculator applies an annual earnings limit of €115,000 when estimating the age-related maximum employee contribution that may qualify for Income Tax relief.

Employee pension contributions

Personal pension contributions can help build retirement savings while potentially qualifying for Income Tax relief, subject to the applicable rules and limits.

  • The age-related percentage limit generally increases as you get older.
  • The calculator estimates relief using your entered marginal Income Tax rate.
  • Tax treatment depends on whether the contribution and pension arrangement qualify under the applicable rules.

Employer pension contributions

Employer contributions can significantly increase the amount invested toward your retirement without increasing your own contribution rate.

  • Employer contributions are included in the projected pension balance.
  • The calculator keeps employer contributions separate from your estimated employee Income Tax relief calculation.
  • Actual employer contribution rules depend on the pension arrangement and employment terms.

How the pension calculator works

1

Enter your current situation

Provide your age, retirement age, income and current pension balance.

2

Set your contributions

Enter the percentage contributed by you and, if applicable, by your employer.

3

Project your retirement savings

The calculator compounds your pension balance using your selected investment return and salary growth assumptions.

Important information

This calculator provides an educational estimate and does not constitute financial, tax or pension advice. Pension tax rules, investment returns, fees, contribution structures and individual circumstances can materially affect actual results.

Sources and methodology

The pension tax relief assumptions used by this calculator are based on information published by Ireland's Revenue Commissioners.