Contributions plus compounding
Your pension grows from three things: your contributions, your employer's, and investment growth compounding year after year. Irish pension contributions attract tax relief at your marginal rate, and an employer match is essentially free money — so it's worth capturing in full.
Because of compounding, starting age matters enormously: the same monthly contribution a decade earlier can mean a far bigger pot.
Common questions
No. This projects your occupational or personal (PRSA) pension pot only. The State Pension is separate and paid on top if you qualify.
Ireland's auto-enrolment scheme adds matched employer contributions and a State top-up. You can model your own contribution rates here.
Long-run diversified returns average around 7% before inflation. Lower assumptions give a more conservative projection.