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AVC Calculator
Calculate the maximum tax deductible Additional Voluntary Contribution (AVC) that you can make to your pension scheme for 2024. Click here to learn more about AVCs.
Calculate how much extra you can contribute to your pension this year and still receive tax relief.
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Note: An AVC for the 2024 tax year must be made by 31 October 2025 in order to be eligible for tax relief. Your 2024 tax return must also be filed by this date.
This is an estimate of the position based on the information inputted. All figures rounded to the nearest Euro. Other factors can also influence an individual’s tax position, it is recommended that personal tax advice be sought. No responsibility is taken by Irish Tax Hub for any loss, however occasioned, to any person by reliance on this calculator.
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FAQs
Frequently Asked Questions
Everything you need to know about making an AVC in Ireland
What is the Irish AVC calculator and how does it calculate my maximum Additional Voluntary Contribution (AVC)?
The Irish AVC calculator helps you to estimate the maximum tax‑deductible Additional Voluntary Contribution you can make based on your age, gross earnings, and pension contributions paid in the year.
How do I use the Additional Voluntary Contribution calculator to calculate my pension tax relief?
You enter your age, gross earnings (€), and current pension contributions (€) and the calculator shows your maximum AVR threshold and potential tax relief benefit.
What are the Revenue age-based limits factored into the Irish AVC calculator?
The Irish AVC calculator is built around the Revenue-approved age-related contribution limits that determine how much of your income you can contribute to a pension scheme and still qualify for tax relief. These thresholds increase with age to encourage higher pension savings as you get older. Here's a breakdown of the age-based percentages applied by the calculator:
- Under 30 years – You can claim tax relief on pension contributions up to 15% of your gross earnings.
- Age 30–39 – The limit increases to 20% of gross earnings.
- Age 40–49 – You can contribute up to 25% of your gross earnings.
- Age 50–54 – The limit increases again to 30%.
- Age 55–59 – You can claim relief on up to 35%.
- Age 60 and over – You are allowed to contribute up to 40% of your gross earnings and still qualify for tax relief.
By when must I make an AVC to claim relief for tax year 2024 using the AVC calculator?
Contributions for the 2024 tax year must be made by 31 October 2025 and included with your tax return by that date to be eligible for relief.
Can the AVC calculator help predict how much tax relief I will receive on an AVC contribution?
Yes. It forecasts your potential tax rebate by applying your marginal income tax rate (20% or 40%) to the allowable AVC amount.
Is the Irish AVC calculator compliant with Revenue limits on pension contributions?
Yes. It uses Revenue‑approved percentage limits based on your age bracket and ensures total contributions fall within Revenue’s maximum thresholds.
Does the AVC calculator consider prior pension contributions when estimating allowable additional voluntary contributions?
Yes. It subtracts your existing pension contributions paid from your age-based maximum, giving you your AVC tax relief headroom.
Can I use the Additional Voluntary Contribution calculator to compare scenario contributions for tax-efficient pension planning?
Yes - you can input different AVC amounts, ages, and payroll contributions to model different tax relief outcomes and contribution strategies.
Does the AVC calculator estimate contributions according to taxable income thresholds and Revenue limits?
Yes - Revenue caps taxable earnings at €115,000 for relief eligibility and the calculator uses this cap along with age limits to set pension contribution boundaries correctly.
How does the Additional Voluntary Contribution (AVC) calculator help maximise my pension tax savings in Ireland?
The Irish AVC calculator helps you identify the maximum allowable AVC contribution eligible for income tax relief based on your age, earnings, and existing pension contributions. By calculating your remaining pension relief entitlement under Revenue limits, it enables you to make tax-efficient pension contributions before the self-assessment deadline. This ensures you can reduce your income tax bill while increasing your retirement savings, making it a powerful tool for tax planning and pension optimisation in Ireland.