Auto-Enrolment Pension Calculator
See exactly how much you, your employer, and the State will contribute to your MyFutureFund pension — and what your retirement pot could be worth.
Your projected MyFutureFund pot at age 66
€297,973
Based on 36 years of contributions with escalation schedule
You paid
€75,600
Employer paid
€75,600
State added
€25,200
Right now, that's €12 per week from your pay. Your employer matches it, and the State chips in on top. Contributions scale up every 3 years.
Is this enough? Probably not for a comfortable retirement on its own. Financial experts recommend replacing 50-66% of your pre-retirement income. Consider topping up with a PRSA or AVC alongside auto-enrolment.
How Your Money Is Invested
Under the MyFutureFund auto-enrolment scheme (launched January 2026), your pension contributions are professionally managed by three of the world’s largest investment firms:
- Irish Life— Ireland’s largest pension provider
- Amundi— Europe’s biggest asset manager
- BlackRock— the world’s largest investment manager
You choose from three investment strategies based on your risk appetite and time to retirement:
Conservative
Lower risk. Mostly bonds and cash. Best if you’re close to retirement.
Moderate
Balanced mix of shares and bonds. The default option for most people.
Adventurous
Higher risk, higher potential return. Mostly shares. Best if retirement is 20+ years away.
Total annual charge: just 0.10%
That’s roughly ten times cheaper than a typical private pension fund in Ireland (where fees often range from 0.75% to 1.5%). Over a 30-year career, the fee difference alone could mean tens of thousands more in your pension pot.
Want to compare auto-enrolment with a private pension?