Irish pension projection calculator
Plan your fund year by year, on your own or as a couple, and change salary and contributions for each age band — not just one flat assumption until retirement.
Who are you planning for?
Optional lump sum / AVC amount paid each year.
Tax-relief limits by age
| Ages | Relief limit | Salary (€/yr) | Personal (%) | Employer (%) | Extra (€/yr) | Lump sum (€) | Relief-eligible (€/yr) |
|---|---|---|---|---|---|---|---|
| 36–39 | 20% | From age 50 | €4,000 | ||||
| 40–44 | 25% | From age 50 | €4,000 | ||||
| 45–49 | 25% | From age 50 | €4,000 | ||||
| 50–54 | 30% | €4,000 | |||||
| 55–59 | 35% | €4,000 | |||||
| 60–64 | 40% | €4,000 | |||||
| 65 | 40% | €4,000 |
Relief-eligible is this person's own contributions plus extras, capped at their age-related percentage of earnings (salary capped at €115,000). Employer contributions don't count against the limit. Amounts over the limit are still included in the projection — they may simply not attract income-tax relief.
Gross return scenarios
Net: 1.97%
Net: 3.95%
Net: 5.93%
Net return = ((1 + gross return) × (1 − annual fee)) − 1. All projections use the net return. Contributions are assumed to be paid evenly through the year, so each year's contributions earn roughly half a year of growth (mid-year convention).
Estimated value at age 65
€582,341
5% gross · 3.95% net after fees
In today's money
€327,923
After 2% inflation a year
Estimated annual income from age 66
€50,932
4% private draw plus State Pension
Annual income in today's money
€28,681
Includes €15,564 State Pension
Your regular contributions
€120,000
Employer contributions
€120,000
Extra contributions
€0
All contributions
€240,000
Investment growth
€292,341
Fees paid
− €147,233
Versus the same return with no annual fee
Fund value year by year
Contributions and growth by age bracket
Bracket detail
| Ages | Salary | Personal / yr | Extra / yr | Employer / yr | Lump sum | Limit | Relief-eligible / yr | Over limit / yr | Growth |
|---|---|---|---|---|---|---|---|---|---|
| 36–39 | €80,000 | €4,000 | €0 | €4,000 | €0 | 20% | €4,000 | €0 | €10,991 |
| 40–44 | €80,000 | €4,000 | €0 | €4,000 | €0 | 25% | €4,000 | €0 | €24,009 |
| 45–49 | €80,000 | €4,000 | €0 | €4,000 | €0 | 25% | €4,000 | €0 | €37,690 |
| 50–54 | €80,000 | €4,000 | €0 | €4,000 | €0 | 30% | €4,000 | €0 | €54,294 |
| 55–59 | €80,000 | €4,000 | €0 | €4,000 | €0 | 35% | €4,000 | €0 | €74,448 |
| 60–64 | €80,000 | €4,000 | €0 | €4,000 | €0 | 40% | €4,000 | €0 | €98,909 |
| 65 | €80,000 | €4,000 | €0 | €4,000 | €0 | 40% | €4,000 | €0 | €23,159 |
These are estimates of the personal contribution potentially eligible for income-tax relief — not an estimate of a tax refund. Relief limits and the €115,000 earnings cap apply to each person separately and cannot be shared between spouses. Employer contributions don't count against the percentage limit. Employee pension contributions do not get USC or PRSI relief.
These results are illustrative estimates only. Investment returns are not guaranteed and the value of a pension fund can fall as well as rise.
Pension and tax rules can change, and tax relief depends on your individual circumstances. This calculator does not provide financial, investment or tax advice — speak to a qualified adviser before making decisions.
Everything is calculated in your browser. No account is needed and none of your figures are sent, stored or shared.
Irish pension guidance
How this Irish pension estimate works
What tax-relief limits are used?
Personal pension contributions are checked against Ireland's age-related limits, from 15% under age 30 to 40% from age 60. Relief-eligible earnings are capped at €115,000. Employer contributions are shown separately.
How is State Pension income estimated?
If selected, the estimate includes the maximum 2026 State Pension (Contributory) rate of €299.30 weekly from age 66. Your actual payment may be lower and depends on your PRSI contribution record.
Why plan in five-year age brackets?
Salary, contribution rates and planned lump sums can change over a career. Editing each bracket makes those changes visible instead of assuming one contribution level until retirement.
Is the annual income guaranteed?
No. It illustrates a 4% annual draw from the projected private fund, plus selected State Pension income. Returns, charges, tax rules and drawdown needs can all change.
Sources: Revenue Ireland guidance on pension tax relief and the Department of Social Protection's State Pension (Contributory) service. Last reviewed: September 2026. Revenue guidance · State Pension guidance