Start with the real figure
The State Pension (Contributory) pays a maximum of €299.30 a week, which is about €15,564 a year. That is the full rate, and the full rate is not automatic.
Three things almost nobody knows
Request your PRSI contribution statement from the Department of Social Protection through MyWelfare. It is free and it takes minutes. Finding a gap in your forties gives you twenty years to fix it. Finding it at 65 gives you almost no options at all.
Want to know your real number?
Bring your PRSI statement, or we will help you get it. Then we work out what closing the gap would take.
Book a first meetingYour gap
Put in what you spend now, and adjust the State Pension down if your record has gaps.
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Illustrative only and not personal advice. Figures are checked against Revenue, the Department of Social Protection and the Pensions Authority, and revised after each Budget. Maximum State Pension (Contributory) of €299.30 a week from age 66 in 2026. The fund figure is what you would need at a steady drawdown to produce the shortfall, and makes no allowance for inflation.
This calculator is one part of our pensions advice. The main pensions page explains the types, the relief, and how to tell whether the pension you have is any good.
The other pension calculators
Pension tax relief calculator
What a pension contribution really costs you after tax relief, and how much headroom you have left this year.
Open the calculator →Auto-enrolment or private pension
My Future Fund set against your own pension: the State top-up and employer match against tax relief.
Open the calculator →ARF drawdown calculator
How long your retirement fund would last at the rate you want to draw from it.
Open the calculator →Pick a date and time that suits you.
No sales pitch, just a conversation about what you already have, what it is heading for and whether we can improve it. You will get a written summary either way.
