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Professional Irish Financial Analysis • 2026
Generated On
22 July 2026
Note: This report is an estimate based on current Irish Revenue tax bands and provided inputs. For official tax advice, please consult a qualified professional or visit Revenue.ie.
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Estimate your pension pot at retirement and see if you're on track. Compare current savings against your target income.
Pension Gap Calculator helps you estimate whether your current pension savings will meet your retirement income goals.
Enter your current pension pot, monthly contributions, retirement age, and target income. The tool projects your pension value at retirement and highlights any shortfall.
All projections are estimates based on assumed growth rates and do not guarantee future performance. Consult a qualified financial adviser for personalised retirement planning.
Retirement Readiness Gauge
Annual Gap
What-If Sliders
ARF Drawdown
€14,804
Annual (4% rule) → fund depletes at age null
AVC Tax Relief
Monthly AVCs
€300
Annual Tax Saved
€1,440
Net Annual Cost
€2,160
Tax Rate Saved
40%
You save €1,440/yr in tax on your AVCs. Every €1k contributed costs just €600 out of pocket.
Detailed Breakdown
Expand →Retirement Planning Guide
25x Rule & 4% Withdrawal
Need €278,275 in pension funds (25x your target income of €11,131/yr). Your current projection of €493,455 is 177% of the way there.
State Pension Check
With 40 years of PRSI, you qualify for €14,420/yr. Check your PRSI record on Revenue MyAccount. You qualify for the full rate.
Closing the Gap
To close your €0/yr gap, the most effective strategy is €0/mo additional AVCs. At 40% tax relief, this costs just €0/mo net. Retiring 0 years later also impacts the projection.
Scenario-based suggestions to help you validate your result and explore the next decision point.