Free tool · Ireland

What could my pension pot be worth?

An indicative projection using Society of Actuaries in Ireland maximum gross investment return assumptions (ASP PRSA-2 v1.16, effective 1 July 2026), blended by risk profile and net of your annual charge. This is a guide only — real returns will vary.

Your details

Current age (35)Retirement age (66)

Current pension pot (€)Gross annual salary (€)

Your monthly contribution (€)Employer monthly contribution (€)

Marginal tax rate

Risk profile (asset mix)

Balanced: 62% equities & property · 35% fixed interest · 3% cash. Gross return 6.05%* p.a.

of which 50% equities, 12% property

* ASP PRSA-2 sets an overall maximum gross return of 6.00% p.a. That cap is not applied in this projection.

Annual charge (1.00%)Inflation (3.0%)

How the projection works

ASP PRSA-2 assumptions

Maximum gross returns per Society of Actuaries in Ireland ASP PRSA-2 v1.16 (effective 1 July 2026): equities & property 7.20%, fixed interest 4.25%, cash 3.20%. The standard also sets an overall maximum of 6.00% p.a., which is not applied in this projection. Benefits are shown in today's money using the standard's 3.00% deflation rate. The standard applies one return rate to equities and property combined, which is why they appear as a single figure in your asset mix.

Blended by risk

Your gross return is a weighted average across the asset mix for your chosen risk profile, then reduced by the annual charge to give a net return.

Irish tax rules

Personal contributions attract relief up to age-related limits on earnings capped at €115,000. At retirement, 25% of the pot is tax-free (max €200,000).

Indicative only — this is a simplified illustration, not a Statement of Reasonable Projection or a Preliminary Disclosure Certificate under the PRSA Disclosure Regulations. Investment returns are not guaranteed and past performance is not a guide to the future. Charges, fund choice, and legislation change over time. Speak to a qualified financial advisor before making pension decisions.