calculator
plan your pension, from saving to spending.
the state pension starts at 66, so 1 year would be on your pot alone
pot today: all your pensions, prsas and avcs added up
your plan
pot at 65
€343,299
30 years of saving, in today's money
lump sum at retirement
€85,825
25% of the pot, tax-free
an income of €2,500 a month
until 84
your pot can't make up the rest from 84
income that lasts until 90
€2,278 a month
today's money, rising with inflation, state pension included
no state pension until 66: 1 year on your pot alone. your pot pays all €30,000 a year until then. from 66 the state pension pays €15,564 of it, so you draw only €14,436 a year from the pot.
for €2,500 a month, your pot runs out at 84. for an income that lasts until 90, aim for about €2,278 a month instead (today's money), save more, or retire a little later. after that you'd live on the state pension of about €15,564 a year.
if returns were 2% a year lower, it would run out at 76 instead of 84. markets don't grow in a straight line — a bad few years early in retirement hurts most.
your pot, age 35 to 100
growing at 5.8% a year while saving, easing to 4.8% over the last 10 years — before the 1.00% charge · in today's money
your income in retirement
age 65 · before the state pension
€2,500 a month
€30,000 a year · 47% of your final pay
- from your pot
- €30,000
age 66–84 · with the state pension
€2,500 a month
€30,000 a year · 47% of your final pay
- from your pot
- €14,436
- state pension
- €15,564
age 85+ · state pension only
€1,297 a month
€15,564 a year · 25% of your final pay
- state pension
- €15,564
today's money, before income tax and usc · your final pay is about €63,380 in today's money
how the pot is built
50% of the pot is growth after charges · charges cost €117,804 by then
- tax relief this year
- €1,320 at 40%
- age-related relief limit (age 35)
- 20% of earnings
- earnings cap for relief
- €115,000
- most you can pay in with relief
- €11,000 a year
relief limits rise with age — 15% under 30 up to 40% at 60+ — on earnings up to €115,000. employer contributions don't count against your limit. irish pensions explained.
year by year, in today's money ↓↑
| age | pot | from pot | state pension | total income |
|---|---|---|---|---|
| 35 | €20,000 | — | — | — |
| 36 | €27,020 | — | — | — |
| 37 | €34,264 | — | — | — |
| 38 | €41,738 | — | — | — |
| 39 | €49,450 | — | — | — |
| 40 | €57,406 | — | — | — |
| 41 | €65,613 | — | — | — |
| 42 | €74,077 | — | — | — |
| 43 | €82,807 | — | — | — |
| 44 | €91,808 | — | — | — |
| 45 | €101,090 | — | — | — |
| 46 | €110,660 | — | — | — |
| 47 | €120,526 | — | — | — |
| 48 | €130,696 | — | — | — |
| 49 | €141,179 | — | — | — |
| 50 | €151,984 | — | — | — |
| 51 | €163,119 | — | — | — |
| 52 | €174,594 | — | — | — |
| 53 | €186,418 | — | — | — |
| 54 | €198,602 | — | — | — |
| 55 | €211,154 | — | — | — |
| 56 | €223,888 | — | — | — |
| 57 | €236,786 | — | — | — |
| 58 | €249,826 | — | — | — |
| 59 | €262,990 | — | — | — |
| 60 | €276,255 | — | — | — |
| 61 | €289,599 | — | — | — |
| 62 | €303,000 | — | — | — |
| 63 | €316,433 | — | — | — |
| 64 | €329,874 | — | — | — |
| 65 · retire | €343,299 | €30,000 | — | €30,000 |
| 66 | €231,377 | €14,436 | €15,564 | €30,000 |
| 67 | €220,663 | €14,436 | €15,564 | €30,000 |
| 68 | €209,764 | €14,436 | €15,564 | €30,000 |
| 69 | €198,679 | €14,436 | €15,564 | €30,000 |
| 70 | €187,404 | €14,436 | €15,564 | €30,000 |
| 71 | €175,935 | €14,436 | €15,564 | €30,000 |
| 72 | €164,269 | €14,436 | €15,564 | €30,000 |
| 73 | €152,404 | €14,436 | €15,564 | €30,000 |
| 74 | €140,334 | €14,436 | €15,564 | €30,000 |
| 75 | €128,058 | €14,436 | €15,564 | €30,000 |
| 76 | €115,571 | €14,436 | €15,564 | €30,000 |
| 77 | €102,870 | €14,436 | €15,564 | €30,000 |
| 78 | €89,951 | €14,436 | €15,564 | €30,000 |
| 79 | €76,810 | €14,436 | €15,564 | €30,000 |
| 80 | €63,443 | €14,436 | €15,564 | €30,000 |
| 81 | €49,848 | €14,436 | €15,564 | €30,000 |
| 82 | €36,019 | €14,436 | €15,564 | €30,000 |
| 83 | €21,953 | €14,436 | €15,564 | €30,000 |
| 84 | €7,645 | €7,645 | €15,564 | €23,209 |
| 85 | €0 | €0 | €15,564 | €15,564 |
| 86 | €0 | €0 | €15,564 | €15,564 |
| 87 | €0 | €0 | €15,564 | €15,564 |
| 88 | €0 | €0 | €15,564 | €15,564 |
| 89 | €0 | €0 | €15,564 | €15,564 |
| 90 | €0 | €0 | €15,564 | €15,564 |
| 91 | €0 | €0 | €15,564 | €15,564 |
| 92 | €0 | €0 | €15,564 | €15,564 |
| 93 | €0 | €0 | €15,564 | €15,564 |
| 94 | €0 | €0 | €15,564 | €15,564 |
| 95 | €0 | €0 | €15,564 | €15,564 |
| 96 | €0 | €0 | €15,564 | €15,564 |
| 97 | €0 | €0 | €15,564 | €15,564 |
| 98 | €0 | €0 | €15,564 | €15,564 |
| 99 | €0 | €0 | €15,564 | €15,564 |
take it with you
a pdf report with the charts — your inputs, the pot, your income in retirement and every year to 100 — or the same numbers as a csv spreadsheet.