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Pension Calculator

Pension Comparison Calculator Ireland

Compare common Irish pension routes side by side. Estimate future pension value, tax-relievable contribution room, employer matching, net monthly cost and retirement lump-sum treatment.

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How It Works

This page compares common Irish pension routes by combining product-fit guidance with a pension value projection. It is useful when you want to understand whether a PRSA, AVC, personal pension or buy-out bond is broadly aligned with your situation before speaking with an adviser.

1

Choose a pension option

Select personal pension, PRSA, AVC or buy-out bond. The calculator explains the broad use case, transfer position and typical access notes for that option.

2

Enter income and contributions

Add current fund value, income, your contribution and employer contribution. Buy-out bonds are treated as transfer-focused and do not model new ongoing contributions from the bond itself.

3

Check tax-relief room

Your own pension contributions are compared with the age-related Revenue relief percentage and the EUR115,000 earnings cap. The result shows estimated relief and unused contribution room.

4

Review retirement value

The calculator estimates future fund value, today's-money value, a 25% lump sum, potential lump-sum tax and the remaining fund after the lump sum.

Sources, Assumptions and Disclaimer

Last updated: 11 August 2026

This pension comparison calculator is educational only and is not financial, tax or investment advice. Pension product eligibility, retirement access, transfer rules, fees, investment performance, employer scheme rules and tax treatment can change and depend on your circumstances. Speak with a regulated financial adviser before choosing, transferring or drawing down a pension.

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