Pension Calculator
Work out how much more you need to invest for the retirement income you want, or see what pension your savings could provide. Based on Irish pension rules for 2026.
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This calculator is an illustration only. It is not financial advice or a quote, and the figures are not guaranteed. It assumes steady growth, constant charges, and that your earnings and contributions rise at the rate you chose. It uses the 2026 rules: tax relief on your own contributions to all pensions combined, limited to 15% to 40% of earnings by age, on earnings up to €115,000; a 25% lump sum, with €200,000 tax-free over your lifetime, 20% tax up to €500,000 and 40% above; a Standard Fund Threshold of €2,200,000 in 2026, rising to €2.8 million in 2029; and the full State Pension of €299.30 a week from 66, assumed to rise with inflation. Your State Pension depends on your PRSI record. Members of company pension schemes may have a different lump sum option (up to 1.5 times final salary). Tax relief carried forward to later years is not shown. Rules, tax rates and annuity rates change. Annuity and ARF incomes are before income tax. Your answers are processed in your browser and are not stored or sent anywhere.