No pension yet. Tax relief is there at any age.
Whether you've nothing in place or a workplace scheme you've never really looked at, starting is simpler than you think.
Have I left it too late to start?
Almost certainly not. Earlier gives money more time to grow, but starting now beats waiting longer, and tax relief is there at any age.
If any of this is you, you're in the right place.
No pension at all yet
You've been meaning to sort one for a while, but never quite knew where to begin or who to ask.
A scheme you've never looked at
There's a workplace pension ticking away, but you've no real idea what's in it or whether it's set up well.
Feeling behind
You think you've left it too long to bother. The good news: starting now still makes a real difference.
Three steps. Plain English, no pressure.
Tell us where you're at
A quick, relaxed chat about your situation. There's nothing you need to prepare or know in advance.
We explain your options
What a pension is, how the tax relief works in your favour, and what makes sense to start with, all in plain English.
You start with confidence
If you decide to go ahead, we'll help you set it up properly and make sure it's working from day one.
What builds up, and when.
Your first payslip
PRSI starts. Each year of full-rate PRSI adds 52 contributions toward your State Pension.
Ten years in
520 paid contributions, the qualifying minimum for any State Pension (Contributory). Credits and HomeCaring Periods do not count toward it.
All along the way
A pension contribution gets tax relief, up to a share of earnings that Revenue raises with age: 15% under 30, rising in steps to 40% at 60 and over.
Forty years in
2,080 reckonable contributions is a full record, and the maximum personal rate: €299.30 a week from January 2026.
Sixty-six
Pension age. The State Pension pays €15,564 a year at the maximum. What sits on top of it is up to you, and the chart below shows what time does.
The same monthly amount, started at 30, 40 and 50.
Illustration only · the value of investments can fall as well as rise. Assumes 5% growth a year, contributions from that age to 66, and no pension to start with. Figures ignore charges and inflation.
Revenue helps you save.
Pension contributions get tax relief, so some of what you'd have paid in tax goes into your future instead. Our calculator shows how much that could add up to.
It could cost you about €60 at the higher rate of tax, or €80 at the standard rate, within Revenue’s age-related limits.
See it for your age and salary
Tax relief is there at any age. Revenue's limit on the contributions that get it rises with age, as a share of earnings.
Earnings count up to €115,000.
Your employer and the State pay into auto-enrolment. A personal pension pays you the tax relief instead.
My Future Fund is the auto-enrolment scheme. The comparison tool shows both, side by side, for your salary and age.
A year, at the 2026 to 2028 rates: 1.5% of salary each from you and your employer, and 0.5% from the State, on salary up to €80,000. Whatever the rates, the ratio is always 3 to 3 to 1.
What the State Pension actually leaves you to find.
The reality check shows the difference, for a full record and for your own.
Living standards: Pensions Council, Irish Retirement Living Standards, researched by KPMG, September 2024, single person. The maximum personal rate is €299.30 a week from January 2026.
See the State Pension reality checkPensions get explained badly. This guide is short.
How a pension works, how tax relief helps, how to begin.
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Questions, answered.
Have I left it too late to start?+
Almost certainly not. Earlier gives money more time to grow, but starting now beats waiting longer, and tax relief is there at any age.
How much do I need to put in?+
There's no single right number. It depends on your income, your goals and what's comfortable.
I've a work pension I've ignored. Where do I start?+
That's a great place to start, because there may already be value there and employer contributions you don't want to miss. We'll look at what you've got and explain whether it's set up well for you.
This page is information, not advice. What's right for you depends on your circumstances. Regulated financial advice is given in a personal consultation with Damian.
Let's get your
pension started.
Twenty relaxed minutes with Damian to take the first step. Free, no jargon, no pressure.
Book a call with Damian for free