Auto-Enrolment Pension Calculator Ireland 2026
See how much you, your employer and the state will contribute to your new pension — and an estimate of what your pot could be worth at retirement.
Your Details
Contributions calculated on first €80,000
Historical average: 5–7% for a balanced fund
State pension age is 66
What Is Auto-Enrolment?
Auto-enrolment (AE) — “My Future Fund” — is Ireland's new mandatory workplace pension scheme, launched on 1 January 2026. All PAYE employees aged 23–60 earning over €20,000 are automatically enrolled if they do not already have a pension.
For every €3 you contribute, your employer adds €3 and the state adds €1 — giving you €7 in your pension pot for every €3 of your own money.
| Phase | Years | Employee | Employer | State |
|---|---|---|---|---|
| Phase 1 | 2026–2028 | 1.5% | 1.5% | 0.5% |
| Phase 2 | 2029–2031 | 3% | 3% | 1% |
| Phase 3 | 2032–2034 | 4.5% | 4.5% | 1.5% |
| Phase 4 | 2035+ | 6% | 6% | 2% |
Disclaimer: This calculator provides estimates only. Projections assume salary stays constant and a fixed annual return. Actual investment returns vary. Always consult a financial advisor for personalised pension advice.
Revenue.ie Statutory Rates
Calculations strictly align with the Finance Act 2025/2026 and official rate schedules published by the Irish Revenue Commissioners.
Chartered Accountant Reviewed
Formulas designed and verified by a qualified Chartered Accountant (ACA) for Auto-Enrolment Pension Calculator.
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