Pension Contributions Tax Relief Calculator

Pension Relief Calculator

Our Pension Relief Calculator helps you quickly estimate how much tax relief you could be entitled to. Enter:

  • Your age
  • Income
  • Current pension contributions

The tool will apply Revenue’s age-based limits and calculate the maximum allowable contribution and the estimated tax savings. This is a helpful guide for planning top-ups but remember, it’s an estimate and not a formal Revenue calculation.

Please enter the gross USC income for the year:

How old are you:

If you are a PAYE earner and in a company pension plan:
Please enter the amount deducted by your employer from your gross salary for the year

Maximum Allowance:

Amount paid via employer:

Amount paid during tax year via cheque or direct debit
(excluding amounts processed through payroll if applicable)

Maximum Top-up payment:

Revised payment for Tax Relief:

Are you going to make the top-up payment?
Please enter the amount you are going to pay:

* This additional payment must be paid and claimed for tax purposes by 31st October 2025

Final amount on which tax relief allowed:

Who Can Claim Pension Contribution Tax Relief?

You can claim tax relief on pension contributions if you’re earning taxable income and contributing to a Revenue-approved pension scheme. That includes:

  • PAYE employees in occupational schemes
  • Self-employed individuals making personal contributions
  • Company directors funding personal or executive pensions
  • Retirees with taxable income contributing to PRSAs or ARFs

Relief is only available for qualifying schemes and eligible contributions, so it’s important to know what counts before claiming.

Contribution Limits by Age

Revenue allows higher pension contributions as you get older, based on a percentage of your net relevant earnings, up to an annual earnings cap of €115,000. FastTax.ie will help you to calculate the most efficient contribution for you based on your age and earnings.

How the Pension Tax Relief Works

Tax relief can be granted in two ways:

  • Through payroll (if your employer handles pension deductions).
  • Through your self-assessment return (Form 11) for lump sum contributions or if you’re self-employed.

Employer contributions aren’t treated the same as personal contributions — but they’re still tax-efficient. To qualify for relief in a specific tax year, contributions must be paid before the tax return deadline (31 October of the following year, or mid-November if using ROS or FastTax.ie).

Retirees

Claiming Relief on Your Tax Return

If you’re filing a Form 11, claiming your pension tax relief is simple:

  • Report your personal contributions in the relevant pension section
  • Do not include employer contributions in the relief calculation
  • Ensure your payment date is before the tax filing deadline

If Revenue queries your claim, you may be asked for a statement from your pension provider showing contribution dates and amounts — so keep those records handy!