Work out how Ireland's new auto-enrolment pension affects your payslip, your employer's costs and your long-term savings. Free, plain-English estimates — no sign-up.
Built for ordinary employees and busy employers. Pick a tool — each gives a clear estimate in seconds.
Your auto-enrolment deduction, employer match and State top-up.
Open calculator → Live🏢What auto-enrolment adds to your payroll, now and as rates rise.
Open calculator → Live💶Net pay after PAYE, USC, PRSI and pension — 2026 rates.
Open calculator → Live⚖️What you'd keep short-term vs the contributions you'd leave behind.
Open calculator → 📈Total going into your pension across the 10-year phase-up.
See in MyFutureFund → 🧾€30k, €40k, €50k+ broken down for 2026.
See in Take-Home →See whether you may be auto-enrolled and exactly what it means for your pay and pension.
Employer & State contributions are capped on earnings above €80,000.
Forecast your auto-enrolment payroll bill — and how it grows as contribution rates phase up to 6% by 2035.
Compliance checklist, staff explainer templates and matched payroll/pension advisers.
Your estimated net pay after income tax, USC, PRSI and pension — using Budget 2026 rates.
Gets income-tax relief.
e.g. Rent, Home Carer.
A neutral look at the trade-off: short-term take-home vs the contributions you'd leave behind. This tool does not tell you whether to opt out.
The whole scheme in five minutes — no jargon.
MyFutureFund is Ireland's new auto-enrolment retirement savings scheme. It started on 1 January 2026. The idea is simple: instead of having to set up a pension yourself, eligible workers are enrolled automatically through payroll, with money added by you, your employer and the State.
You may be automatically enrolled if you are:
If you're outside these rules you can usually still opt in.
Contributions start small and rise over ten years. In 2026 you pay 1.5% of your gross salary and your employer pays the same. This steps up to 3%, then 4.5%, reaching 6% each by 2035. Contributions are calculated on earnings up to €80,000 a year.
For every €3 you contribute, the State adds €1. Combined with your employer's matching contribution, every €3 you put in becomes about €7 in your pension pot. This replaces the usual income-tax relief on pension contributions.
You must stay in for the first six months. After that there's a two-month window where you can opt out and get your own contributions refunded. If you opt out, you're automatically re-enrolled every two years.
Your contribution comes out of your pay, so your take-home drops slightly — but you gain the employer and State money on top, which you only keep if you stay in.
Employers must match contributions for every eligible employee and the cost rises as rates phase up. Around 104,000 employers are now in scope, so payroll budgets and processes need to account for it.
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