Ireland · Pension & Retirement
Irish pensions get income-tax relief at the saver's marginal rate, age-banded contribution limits, and a separate USC/PRSI charge that isn't relieved. The retirement decision then splits into ARF drawdown, annuity, or a mix. The calculators in this hub work through every step — model the cost of a contribution after relief, project the pot at retirement, plan ARF drawdowns under the imputed-distribution rules, and check the contributory state pension entitlement from your PRSI record.
Pension Projection
Project your pension fund value at retirement age
Pension Contribution
Calculate tax relief on pension contributions at your marginal rate
Retirement Income
Estimate how long your pension pot will last in retirement
State Pension
Check State Pension eligibility based on your PRSI contributions
ARF Drawdown
Model Approved Retirement Fund drawdown scenarios
Additional Voluntary Contribution (AVC)
An extra pension payment on top of employer scheme contributions, qualifying for income-tax relief at the saver's marginal rate.
Approved Retirement Fund (ARF)
A post-retirement investment vehicle that holds your pension pot, lets you draw an income, and passes the residual to your estate.
Ireland's pension tax relief is capped by both your age and an earnings limit. Here's how the age-related percentage bands work in 2026, the €115,000 earnings cap, marginal-rate relief, and what really gets you the maximum tax saving.
AVCs let you top up your pension beyond employer contributions and claim income tax relief at your marginal rate. Here's how they work, how much you can contribute, and when they make sense.
