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Example: Calculate the monthly repayments for a €400,000 loan over a 30 year period an interest rate of 4%
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Future Fund Calculator
Calculate the value of your Fund Fund at retirement.
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 Irish pensions
How do I calculate the future value of my pension in Ireland?
You can calculate your pension's future value using our Pension Value Calculator, which estimates your retirement fund based on your current pension pot, salary, retirement age, and contribution levels.
What is a good pension pot in Ireland for retirement?
A typical target is to replace two-thirds of your pre-retirement income. Depending on your lifestyle, this could require a fund of €300,000 to €600,000 or more. Our calculator helps you project whether you're on track.
Does the Irish pension calculator include the State Pension?
No, this tool estimates the value of your private or occupational pension only. You can factor in the State Pension (Contributory) separately, which is currently around €15,000 per year.
How much should I contribute to my pension in Ireland?
The amount depends on your age, income, and retirement goals. Revenue allows tax relief on pension contributions up to 15–40% of earnings depending on your age, with a cap of €115,000. Our calculator shows how your contributions grow over time.
What is the average pension fund in Ireland at retirement?
While it varies, many people in Ireland retire with less than €100,000 in private pensions. Use our pension projection tool to see how increasing your contributions can improve your long-term retirement outcome.
Can I include my employer’s pension contributions in the calculator?
Yes. The calculator allows you to input both employee and employer contributions, giving you a full picture of your projected pension fund at retirement.
Are pension fund charges and fees included in the pension estimate?
Yes, the calculator includes a field for annual management charges and contribution fees. These can significantly affect your final pension value over time.
What retirement age should I use in my pension calculation?
You can input any retirement age between 55 and 70. Keep in mind that access to private pensions typically starts at 60, and State Pension starts at age 66 in Ireland.
Is the Irish pension calculator suitable for PRSAs and AVCs?
Yes. Whether you're contributing to a PRSA, an employer-sponsored pension, or making Additional Voluntary Contributions (AVCs), this calculator can model your fund’s future value.
Can I use this tool to see if I’m saving enough for retirement in Ireland?
Absolutely. Our Irish pension calculator shows whether your current pension savings and contributions are likely to meet your income needs at retirement — helping you plan smarter and earlier.