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Annual Gap
€0
Progress
115.0%
Replacement
53.3%
Analyze retirement readiness: target income vs projected income, gap analysis, and bridge strategies.
Retirement Readiness Gauge
Annual Gap
What-If Sliders
ARF Drawdown
€9,575
Annual (4% rule) → fund depletes at age null
AVC Tax Relief
Monthly AVCs
€113
Annual Tax Saved
€540
Net Annual Cost
€810
Tax Rate Saved
40%
You save €540/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 €319,171 is 115% 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.
Frequently Asked Questions
25x rule: multiply desired annual income by 25. E.g. €35k/yr → €875k needed.
€277.30/wk (2025). Need 10yr minimum, 40yr for full. Deferring gives +30.6%.
€2M threshold. Excess taxed at 40%. Plan to stay under.
ARF = flexible drawdown (4% rule). Annuity = guaranteed for life. ARF better for €200k+.
Most workers have 2-5. Consolidate via PRSA or track separately. GBP pots auto-converted.
3% halves buying power in 24yr. Always use real (inflation-adjusted) projections.
Transfer to Irish QROPS. GBP values converted at current rate (€1 ≈ £0.86).
From 50 (occupational) or 60 (PRSA). 25% tax-free lump sum (max €200k).
Reduce taxable income now. At 40% rate, €1k AVC costs just €600 net — instant 40% return.
Scenario-based suggestions to help you validate your result and explore the next decision point.