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Irish Pension Calculator 2025

Calculate pension tax relief, net cost, and projected pot at retirement.

%
= €250/mo | Max relief: 20%
%
Annual Contribution
€3,000
Tax Relief (40%)
€1,200
saved in tax
Net Cost to You
€1,800
= €150/mo
For every €1 you put into your pension, it only costs you €0.60 after tax relief at the 40% marginal rate.
Age-Based Relief Limits (Revenue Ireland)
Under 3015% of net relevant earnings
▶ 30 – 3920% of net relevant earnings
40 – 4925% of net relevant earnings
50 – 5430% of net relevant earnings
55 – 5935% of net relevant earnings
60 and over40% of net relevant earnings
Earnings cap: €115,000 | Maximum annual contribution eligible for relief: €23,000
Projected Pension Pot at Age 65 (5% growth)
Years to 65
30
Total annual into pension
€6,000
Projected pot
€418,565
Estimated monthly income in retirement: €1,395 over 25 years (rough drawdown estimate at 5% p.a. growth, before charges).
⚠️ Projection uses 5% annual growth before charges and is illustrative only. Actual returns depend on fund performance, charges and investment choices. Consult a QFA (Qualified Financial Adviser) regulated by the Central Bank of Ireland.