Pensions · Ireland

Pension Contribution Calculator

See how much you can pay into a pension — and what it could grow to by retirement. Enter a few details for an indicative figure, then talk to a Greenway adviser to turn the estimate into a real plan.

Use the calculator Talk to an adviser

Last reviewed by Debbie Cheevers, QFA, RPA · 30 June 2026

How much can you pay into a pension?

The amount you can contribute — and claim income tax relief on — rises with your age, up to a set percentage of your earnings. On top of the relief going in, your fund grows tax-free, which is why starting early makes such a difference.

Up to 40%income tax relief on contributions at your marginal rate

Tax-freegrowth on your fund while it’s invested

€115,000the earnings cap relief is based on

Your age	Max % of earnings you can claim relief on
Under 30	15%
30–39	20%
40–49	25%
50–54	30%
55–59	35%
60 and over	40%

Rates current for 2026. For the full picture see our pension advice and pension calculator guides, or how it works for the self-employed and company directors.

Try the pension calculator

Enter your details below for an indicative estimate of your contributions and potential fund at retirement.

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Step 1 of 5

Company

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What age are you?

What age do you want to retire at?

INCOME IN RETIREMENT

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Hide: Balance Over €200K 2 (monthly)

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Hide: 25% Tax Free Lump Sum 2 (monthly)

25% Tax Free Lump Sum

When you retire this is the lump sum amount you can receive from your pension tax-free.

Including State Pension

If you are entitled to a state pension this figure shows an estimate of the income you will have each year.
Could you live off that amount?

Excluding State Pension

With the reminder of your fund, you invest in an Approved Retirement Fund (ARF) or annuity.
This is an estimate of the income you can expect each year.
Could you live off that amount?

WHAT IF YOU WAITED?

1 Year Before Starting Pension

2 Years Before Starting Pension

5 Years Before Starting Pension

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MAXIMUM PENSION POSSIBLE

Explainer: The below calculations uses the full tax reliefs available to you
Read more about maximum pension contributions here.

These values are based on the maximum you can add to your monthly pension.
If you can't afford the maximum that's not a problem.
You set the amount added to your pension each month or through an annual contribution.

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HIDE: New Fund After Charges (max con)

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HIDE: Investment Growth New Fund (max con)

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Total Retirement Fund

Estimate of the maximum possible value of your pension.
Amount of money your pension could build to based on your retirement age.
This is a fund estimate after any charges.

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What you save in tax

Pensions in Ireland benefit from income tax relief.
Based on your salary this is the maximum income tax saving you could make.
Tax relief is calculated based on age and marginal income tax rate.

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Investment Growth

This figure is an estimate of the investment growth of your pension.
Growth values depend on the risk level of your pension.

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You Would Pay

This is the amount you would pay into your pension until retirement age.

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What you pay each month

This is the amount you personally have to pay.
It is calculated after tax relief and employer contributions.

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Existing Plans

If you have any existing or old pensions this figure is the potential value.

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Your Employer Pays

This is the amount your employer pays into your pension until retirement age.

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INCOME IN RETIREMENT

Based on maximum contributions and current pensions this is an estimate of your income in retirement.

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Hide: Balance Over €200K

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Hide: 25% Tax Free Lump Sum

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25% Tax Free Lump Sum

Once you retire this is the lump sum amount you can receive from your pension tax-free.

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Income Per Year | Excluding State Pension

With the reminder of your fund. You invest in an Approved Retirement Fund (ARF) or annuity.
This is the amount of income you can expect each year.

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Income Per Year | Including State Pension

If you are entitled to a state pension this figure shows an estimate of the income you will have each year.
With the reminder of your fund. You invest in an Approved Retirement Fund (ARF) or annuity.
This is the amount of income you can expect each year.

This field is hidden when viewing the form

Income Per Year | Including State Pension

If you are entitled to a state pension this figure shows an estimate of the income you will have each year.
With the reminder of your fund. You invest in an Approved Retirement Fund (ARF) or annuity.
This is the amount of income you can expect each year.

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WHAT IF YOU WAITED?

This is an estimate of your maximum contribution pension fund value if you waited to start your pension.

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1 Year Before Starting Pension

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2 Years Before Starting Pension

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5 Years Before Starting Pension

What to do next:

Take Control of Your Financial Future – Schedule a Free Consultation Today!

We can guide you through your pension in a straightforward way.
Show you how to maximise your tax reliefs.
Guide you on pension funds risk levels.
Combine and transfer old pensions into one pension to maximise growth.

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Name*

First

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Email*

The assumptions behind this calculator

To keep things simple, the calculator uses a set of standard assumptions. Your real figures will depend on the plan, provider and fund you choose — which is exactly what we help you get right.

4% growth

An estimated annual growth rate of 4% on your pension contributions.

95% allocation

An assumed 95% allocation rate on the money you pay in.

1.25% charge

An assumed annual management charge of 1.25%.

Indicative only

The result is a guide, not a quote — we confirm the real numbers with you.

Warning: Past performance is not a reliable guide to future performance.

Warning: The value of your investment may go down as well as up.

Warning: This product may be affected by changes in currency exchange rates.

Warning: If you invest in this product you may lose some or all of the money you invest.

Pension calculator FAQs

How much can I pay into a pension in Ireland?

You can claim income tax relief on contributions up to an age-related percentage of your earnings — from 15% under 30 to 40% at 60 and over — based on earnings of up to €115,000 a year. You can pay in more, but only that portion gets relief.

How is my pension contribution calculated?

It’s based on your age, your earnings and the percentage limit for your age band. The calculator estimates the maximum tax-relieved amount and projects the potential fund using standard growth and charge assumptions.

How much tax relief will I get?

Relief is given at your marginal rate — 20% or 40%. For a 40% taxpayer, €100 in a pension can cost as little as €60 after relief.

Are the calculator figures guaranteed?

No — they’re indicative and based on assumptions (4% growth, 95% allocation, 1.25% charge). Your actual result depends on the plan, provider and fund. We confirm real figures with you.

Can I include employer contributions?

Employer contributions to a company or executive pension are generally on top of your personal age-related limits. We’ll factor these in when we build your plan.

What should I do after using the calculator?

Book a free consultation. We’ll compare the market, maximise your tax relief and set up a pension that matches your goals — see our pension advice guide.

Turn the estimate into a real plan

Talk to a qualified Greenway adviser for free. We’ll compare Ireland’s leading providers, maximise your tax relief and build a pension around your retirement goals.

Book a Free Consultation Call 01 853 2727

Last reviewed by Debbie Cheevers, QFA, RPA, 30 June 2026. Information is general and not personalised financial advice.