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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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Optimise your pension contributions to maximise tax relief. See how AVCs, age-related limits, and the earnings cap affect your savings.
Pension Tax Efficiency Calculator helps you optimise your pension contributions to maximise tax relief within Revenue limits.
Enter your salary, age, current pension contributions, and target. The tool calculates your relievable headroom and optimal AVC strategy.
All calculations are estimates based on current Revenue rules. Consult a qualified financial adviser for personalised pension planning.
AVC Capacity
€8,000
Current: €8,000 · Max: €16,000 · Relief: 20%
Tax Saved
€0
Net Cost
€0
Retirement Summary
Projected Fund
€774,183
ARF (75%)
€97,500
State Pension
€14,420
Pension Guide
Maximize Your Relief
Contribute up to your age-based limit. Each €1,000 of AVC costs you only €600 net (40% relief). The €400 tax saved goes into your pension, growing tax-free.
SFT Planning
The €2M Standard Fund Threshold is a hard cap. If your fund exceeds it, consider stopping contributions or diversifying into property, ISAs, or other investments.
Retirement Options
25% tax-free lump sum (max €200k). Remaining 75% must go into an ARF (flexible drawdown) or annuity (guaranteed income). ARF offers more control.
Scenario-based suggestions to help you validate your result and explore the next decision point.