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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.
All CalculatorsLast updated: 25th Nov 2025
Calculate how much extra you can contribute to your pension this year and still receive tax relief.
€
€
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.
Last updated: 25th Nov 2025
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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. Still unsure? Get instant answers here.
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.
You enter your age, gross earnings (€), and current pension contributions (€) and the calculator shows your maximum AVR threshold and potential tax relief benefit.
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.
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.
Yes. It forecasts your potential tax rebate by applying your marginal income tax rate (20% or 40%) to the allowable AVC amount.
Yes. It uses Revenue‑approved percentage limits based on your age bracket and ensures total contributions fall within Revenue’s maximum thresholds.
Yes. It subtracts your existing pension contributions paid from your age-based maximum, giving you your AVC tax relief headroom.
Yes - you can input different AVC amounts, ages, and payroll contributions to model different tax relief outcomes and contribution strategies.
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.
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.