Irish Pension Calculator

See your projected retirement fund, monthly income, and how much Revenue subsidises your contributions through tax relief. Updated for 2026.

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

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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) and constant contributions throughout. Actual pension values depend on investment performance, fund charges, contribution history, tax law changes, and other factors. The State Pension figure (€289.30/week) reflects the 2026 contributory rate and may change. Tax relief assumes you are a PAYE employee and 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.