Your Profile
Strategy
Investment Tax Model
State Pension
€15,000/yr from Age 66
Est. Return: 7%
Inflation: 2.5%
Irish FIRE Nuance
We model the 40% pension relief on contributions and apply the 41% Exit Tax on non-pension investment growth. The State Pension (Contributory) kicks in at age 66, currently valued at approx €15,000/year.
Years to FIRE
20 Years
Age 50
Net Worth at FIRE
€0
Combined assets
Sustainability
Funds out at age 66
Consider reducing expenses
Portfolio Growth Projection
Pension
Post-Tax
Pension Strategy
By contributing 10%, you save approximately €2,600 in tax annually.
Bridge Fund & PRSI
Your post-tax savings must cover expenses until pension age.⚠️ PRSI Gap Detected: You may need voluntary contributions (Class S) during retirement to ensure a full State Pension at 66.
Yearly Breakdown
| Age | Pension Pot | Post-Tax | Total Net Worth | Growth |
|---|---|---|---|---|
| Age 30 | €9,750 | €60,765 | €70,515 | +€2,065 |
| Age 35 | €69,745 | €109,355 | €179,099 | +€8,073 |
| Age 40 | €153,890 | €145,820 | €299,710 | +€15,201 |
| Age 45 | €271,909 | €178,524 | €450,432 | +€24,231 |
| Age 50LUMP SUM | €262,931 | €322,616 | €585,546 | +€33,780 |
| Age 55 | €11,591 | €394,971 | €406,562 | +€20,704 |
| Age 60 | €0 | €171,169 | €171,169 | +€9,285 |
| Age 65 | €0 | €4 | €4 | +€4 |
| Age 70 | €0 | €0 | €0 | +€0 |
| Age 75 | €0 | €0 | €0 | +€0 |
| Age 80 | €0 | €0 | €0 | +€0 |
| Age 85 | €0 | €0 | €0 | +€0 |
| Age 90 | €0 | €0 | €0 | +€0 |
| Age 95 | €0 | €0 | €0 | +€0 |
| Age 100 | €0 | €0 | €0 | +€0 |