Pick the one closest to you and we show the services that fit.
Everything below is set up for you by your own senior advisor.
Or Freephone 1800 808 808 and a senior advisor takes it from there.
In about three minutes, see what your retirement is likely to cost, what your income is likely to be and the gap between the two, in today's money. Then a senior advisor can show you how to close it.
Your age, your pay, what you have saved and when you want to stop. The result shows your gap in today's money, with costs that end, such as a mortgage, counted only for the years they run.
These are the Irish figures and assumptions the calculator uses, so you can check the workings. The result is an illustration, not advice, and investment returns are not guaranteed.
| What it is | 2026 figure |
|---|---|
| Maximum State Pension (Contributory) | €299.30 a week, €15,563.60 a year |
| State Pension age | 66, with the option to defer to 70 |
| PRSI contributions for the maximum rate | 2,080, about 40 years |
| Minimum PRSI contributions to qualify | 520, about 10 years |
| Standard rate cut-off, single person | €44,000 |
| Earnings counted for pension tax relief | Up to €115,000 a year |
| Tax-free lump sum at retirement | Up to €200,000 over your lifetime |
| Assumed growth, before charges | 6% a year |
| Assumed management charge | 1% a year |
| Assumed inflation | 2.5% a year |
| Assumed drawdown in retirement | 4% a year |
Send us your result or tell us where you stand. Two minutes, then a senior advisor is in touch with a plan to close the gap.
Tax relief, contribution limits and the right plan differ between the three.
Stored securely, never sold. Used only to come back to you about your request.
A confirmation email is on its way to you, and a senior financial advisor is reviewing what you sent and will be in touch. Want to get ahead in the diary? Book your discovery call, or Freephone 1800 808 808.
The maximum State Pension (Contributory) is €299.30 a week in 2026, €15,563.60 a year, from age 66. Budget 2027 raises it to €309.30 a week from January 2027. It is a floor, not a lifestyle.
Not everyone gets the maximum. Under the Total Contributions Approach you need 2,080 PRSI contributions, about 40 years, for the full rate, and fewer gives you a share of it. You need at least 520 to qualify at all. That is why the calculator asks how many years you have worked.
The Pensions Authority's own calculator asks you to set a target income as a share of your pay before retirement, State Pension included. A traditional final salary scheme was built to pay two-thirds of final pay after 40 years.
Take someone on €50,000 aiming for two-thirds, €33,333 a year. The full State Pension covers €15,564 of it. The gap, about €17,770 a year, has to come from a private pension. At a 4% drawdown, that needs a fund of about €444,000 in today's money.
Time does most of the work. On the calculator's assumptions, the €444,000 above needs about €813 a month from age 35, in today's money. From 45 it needs about €1,371 a month, more than Revenue's age limit allows on €50,000 of pay.
Tax relief cuts the cost. Contributions get income tax relief at your marginal rate, so €100 into your pension costs €80 at 20% and €60 at 40%. On €50,000 in 2026, only the pay above €44,000 is taxed at 40%, so the €813 at 35 costs about €550 a month from take-home pay.
Revenue sets the limit as a share of your earnings, rising with age, on earnings up to €115,000. Employer contributions to your scheme do not use up your limit.
| Your age | Limit |
|---|---|
| Under 30 | 15% of earnings |
| 30 to 39 | 20% |
| 40 to 49 | 25% |
| 50 to 54 | 30% |
| 55 to 59 | 35% |
| 60 and over | 40% |
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
The difference between what you expect to spend each year in retirement and the income you are on track for from the State Pension, your own pensions and anything else. The calculator shows it in today's money so the figure means something now.
The maximum State Pension (Contributory) is €299.30 a week in 2026, rising to €309.30 from January 2027. Your rate depends on your PRSI record: 2,080 contributions for the full rate, 520 to qualify at all.
Between 15% and 40% of your earnings, depending on your age, on earnings up to €115,000 a year. Employer contributions to a company scheme are counted separately.
€100 into your pension costs €80 if you pay tax at 20% and €60 at 40%. Relief at 40% applies only to the part of your pay taxed at 40%, above €44,000 for a single person in 2026.
You need to fund the years between stopping work and the State Pension starting. The calculator works out how many of those bridging years you face and what they cost.
MyFutureFund, the State scheme that started on 1 January 2026, starts at 1.5% of pay from you and 1.5% from your employer, rising to 6% each by year 10. It is a floor, not a plan, and on its own it may not close your gap. See our start a pension page.
It works for you as an individual. Your company can pay into your pension on more generous terms, so see our self-employed and director pensions page as well.
Checked 8 October 2026.
Use the calculator, then a senior advisor is in touch with a plan built around the retirement you want.