Ireland State Pension calculator 2026
Estimate your State Pension (Contributory) from your PRSI contributions, and see how much extra to save.
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Popular questions
How much will my pension be in Ireland?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 50,000 EUR per year who keeps working until 66 can expect about 1,297 EUR net per month in today's money.
At what age can I retire in Ireland?
For someone aged 40 today the statutory retirement age is 66. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in Ireland?
State Pension age is 66, and you can defer up to 70 for a higher rate. You need at least 520 paid contributions (10 years). Weekly pension = 299.30 EUR x contributions / 2,080 (max. 100%). The pension is taxable, but people aged 65 and over with income up to 18,000 EUR pay no income tax, and it is exempt from USC and PRSI.
How much should I save for retirement in Ireland?
With a salary of 50,000 EUR per year, the estimated pension covers about 31.1% of your gross salary. To reach 70% you would need to save about 625 EUR per month, assuming a 3% real return.
How the pension is calculated in Ireland
The Irish State Pension (Contributory) is a flat weekly payment that does not depend on your salary. Under the total contributions approach, 2,080 PRSI contributions (40 years) give the full rate of 299.30 EUR a week in 2026, and fewer contributions give a proportional amount. Auto-enrolment, which started in January 2026, adds a separate retirement savings pot.
- State Pension age is 66, and you can defer up to 70 for a higher rate.
- You need at least 520 paid contributions (10 years).
- Weekly pension = 299.30 EUR x contributions / 2,080 (max. 100%).
- The pension is taxable, but people aged 65 and over with income up to 18,000 EUR pay no income tax, and it is exempt from USC and PRSI.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 40,000 EUR | 1,297 EUR | 1,297 EUR | 38.9% |
| 50,000 EUR | 1,297 EUR | 1,297 EUR | 31.1% |
| 75,000 EUR | 1,297 EUR | 1,297 EUR | 20.8% |
Minimum pension and retirement age
The full State Pension (Contributory) is 299.30 EUR per week from age 66 and 309.30 EUR from age 80 in 2026. The non-contributory pension is 288 EUR per week, subject to a means test.
Frequently asked questions
What is the minimum pension in Ireland?
The full State Pension (Contributory) is 299.30 EUR per week from age 66 and 309.30 EUR from age 80 in 2026. The non-contributory pension is 288 EUR per week, subject to a means test.
What does the calculator not include?
The yearly average method for people retiring before 2034, credited contributions, the living alone increase, auto-enrolment savings and occupational pensions are not included.
Is this an official pension calculation?
No. It is an informational estimate based on 2026 rules published by the official sources listed on this page. For your exact entitlement, check your personal pension statement or ask the pension authority.
Sources and disclaimer
These results are an informational estimate in today's money. We use the 2026 rules and amounts published by the institutions below and check them when the rules change. Real pensions depend on your full insurance record. The yearly average method for people retiring before 2034, credited contributions, the living alone increase, auto-enrolment savings and occupational pensions are not included.