Plan Your Financial
Future Today

Use our suite of interactive calculators to estimate your pension shortfall, life cover needs, and upcoming auto-enrolment costs.

Pension Shortfall Calculator

Estimate the gap between the retirement income you want and what you're currently on track to receive — based on Irish pension rules and State Pension entitlements.

Enter 0 if you haven't started yet.

5%

Tax relief up to 20% applies at your age.

Income Replacement
65%
Projected Pot at Retirement€285,353
Estimated Pension Income€11,414
+ State Pension (full)€14,420
Total Projected Income€25,834
⚠️ Annual Shortfall
€14,166

To close this gap, contribute an additional €5,005/yr — costing just €4,004/yr after 20% tax relief.

Illustrative only. Assumes 5% annual growth, Irish contributory State Pension, and 4% drawdown rate. This is for illustrative purposes only and does not constitute financial advice.

Get a Personalised Pension Review

Life Cover Calculator

Calculate how much life assurance your family needs to maintain their lifestyle if you were no longer around — based on Irish financial planning guidelines.

Irish average is ~€8,000. Adjust for your wishes.

Include any employer Death-in-Service benefit.

Recommended Cover Amount
€1,498,000
Est. monthly premium from €719*
How We Calculate This
Income Replacement€1,200,000
Outstanding Mortgage€250,000
Other Debts€10,000
Funeral & Estate Costs€8,000
Childcare Buffer€30,000
Total Need€1,498,000
Additional Cover Needed€1,498,000

*Premium estimate is illustrative only for a non-smoker in good health. Actual premiums vary by age, health, and insurer. This is for illustrative purposes only and does not constitute financial advice.

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Auto-Enrolment Employer Cost Calculator

Estimate your mandatory employer contribution costs based on the Government's phased rollout plan.

Employees aged 23-60 earning over €20k.

Contributions are capped at €80,000 salary.

Estimated Additional Employer Cost

PhaseRateMonthlyAnnual
Years 1-3 (2025-2027)1.5%€500€6,000
Years 4-6 (2028-2030)3.0%€1,000€12,000
Years 7-9 (2031-2033)4.5%€1,500€18,000
Year 10+ (2034 onwards)6.0%€2,000€24,000

This is for illustrative purposes only and does not constitute financial advice.

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