How much could your company put into your pension?
As a director you can fund your pension straight from the company, often far beyond personal limits, and every contribution is an allowable expense for the company.
Your details
Estimates are fine. Slide, or tap a value to type any amount.
What the company would pay into your pension annually.
A long-term average. Real returns vary and can be negative.
With €40,000 a year from the company, from 48 to 66, your pot could reach €1,511,849, and the company could save €90,000 in corporation tax.
How we got this
- Paid in by the company, €40,000 a year to 66 €720,000
- Built up already €150,000
- Growth at 5% a year €641,849
- Your pot at 66 €1,511,849
- Corporation tax, 12.5% of each year’s contribution €90,000
This projection is above the Standard Fund Threshold — the cap on the total pension fund that gets full tax relief. Anything above it is taxed on drawdown, so the practical ceiling is lower than this illustration. Damian will work out your exact figures.
The same money, two ways
Your €40,000 company contribution, taken as salary instead.
40% income tax8% USC4.2% PRSI
€20,000 as salary is €9,560 in your pocket. €20,000 into the pension is €20,000 for your retirement.
Both routes are an allowable expense for the company, so the corporation tax position is the same either way. The comparison is about how much of the money reaches you.
How your pot could grow
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Director funding is where the big wins are.
The numbers above are illustrations. Your exact funding limit and tax saving need a proper calculation, and Damian does this for directors all the time. Free 20-minute call, no pitch.
This calculator is information, not advice. It shows simplified illustrations from the figures you choose, not a personal recommendation. Maximum funding needs an actuarial calculation. Regulated financial advice is given in a personal consultation with Damian.
The assumptions behind these numbers
- Corporation tax relief is shown at the 12.5% trading rate, and assumes the contribution is wholly and exclusively for the business and within Revenue funding limits.
- The salary comparison assumes a higher-rate taxpayer facing up to 52.2% on additional income (40% income tax, 8% USC, 4.2% PRSI), and 52.35% from 1 October 2026, when PRSI rises to 4.35%. Your rate may differ.
- Pension benefits are taxed when drawn, though up to 25% of the fund may usually be taken as a tax-free lump sum, within limits.
- Maximum funding (up to two-thirds of salary) requires sufficient service and an actuarial calculation. This tool does not perform that calculation.
- A Standard Fund Threshold caps the total fund eligible for full tax relief. Figures here are not adjusted for inflation and ignore product charges.
- This tool provides general information, not financial, tax or pension advice. For advice on your circumstances, speak to Damian.