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Weekly Pension
€194
Annual Pension
€10,094
Gap to Full
€83
Check your Irish Contributory State Pension entitlement, PRSI gaps, and whether voluntary contributions are worth it.
Current vs full Contributory Pension
Progress toward the 40-year target
Voluntary PRSI contributions ~€500/year
Missing years
12
Total cost
€6,000
Lifetime benefit
€64,888
Breakeven
1.4 yrs
Making voluntary contributions for 12 missing years costs €6,000 and adds €83.19/wk to your pension. You'll recoup the cost in 1.4 years.
See how changes affect your pension
28 yrs
Weekly€194.11
Annual€10,094
vs current+€0.00
+3 PRSI years
Weekly€214.91
Annual€11,175
vs current+€20.80
Add 5 yrs
Weekly€228.77
Annual€11,896
vs current+€34.66
You need 40 years of PRSI contributions for the maximum rate (€277.30/week). A minimum of 10 years is required for any entitlement. Your pension is prorated based on your contributions.
You are on PRSI Class A, which gives a 100% credit rate. Class A (private employees) get full credit. Other classes get half-rate credit, meaning 40 years in Class S credits as 20 years.
Based on your date of birth, your State Pension age is 68. You'll reach this in 2059.
HomeCaring Credits fill PRSI gaps for years you were caring for children under 12 or caring for a sick/disabled person. You can claim up to 20 years. Apply through the Department of Social Protection.
Yes, you can make voluntary contributions to fill gaps in your record, typically for the last 6 years. Contact the DSP for a statement of your PRSI record and to arrange payment.
If you provided full-time care for at least 5 years, you may qualify for up to 20 years of credited PRSI contributions. This significantly boosts your pension entitlement.
Yes — self-employed workers (Class S) at 4% PRSI qualify. The rate is half that of Class A employees. HomeCaring Credits can also apply.
The DSP checks your average weekly PRSI contributions per year. If you average fewer than 48 weeks per year, your pension is proportionally reduced. This test applies to your total PRSI history.
The State Pension age is currently 66. Under the Social Welfare and Pensions Act 2024, it will rise to 67 for those born in 1961 or later, and to 68 for those born in 1968 or later.
You can check your PRSI contribution record through the MyWelfare.ie portal or by contacting the Department of Social Protection. This calculator gives an estimate — always verify with your official record.
This calculator estimates your Irish Contributory State Pension based on 28 qualifying years (PRSI Class A). The full rate is €277.30/week. Your estimated entitlement is €194.11/wk.
For a date of birth of 1991-01-01, your State Pension age is 68. The full weekly rate is €277.30, and your estimated weekly entitlement is €194.11 based on your PRSI record.
Tell us your PRSI class, years of contributions, expected future years, and any HomeCaring Credits. Your date of birth determines your pension age.
Your Contributory Pension is calculated based on your qualifying years, PRSI class multiplier, and average weekly contributions. The full rate is €277.30/week (40 years required).
Compare scenarios, check if voluntary contributions are worth it, and see how HomeCaring Credits or working longer could boost your pension.
| Category | Weekly | Annual |
|---|---|---|
| Full Rate (under 80) | €277.30 | €14,419.60 |
| Age 80+ (increased rate) | €291.40 | €15,152.80 |
| Your estimated entitlement | €194.11 | €10,094 |