IE
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Annual Gap
€0
Progress
115.0%
Replacement
53.3%
Analyze retirement readiness: target income vs projected income, gap analysis, and bridge strategies.
Are you on track for the retirement you want? This gap analyser projects your future pension income based on current contributions and compares it against your target retirement income.
Enter your current pension pot, contribution rate, and target retirement income. The model projects growth to retirement age, factors in your State Pension entitlement, and highlights any shortfall you need to address through increased contributions or alternative savings.
Retirement Readiness Gauge
Annual Gap
What-If Sliders
ARF Drawdown
€9,575
Annual (4% rule) → fund depletes at age null
AVC Tax Relief
Monthly AVCs
€113
Annual Tax Saved
€540
Net Annual Cost
€810
Tax Rate Saved
40%
You save €540/yr in tax on your AVCs. Every €1k contributed costs just €600 out of pocket.
Detailed Breakdown
Expand →Retirement Planning Guide
25x Rule & 4% Withdrawal
Need €278,275 in pension funds (25x your target income of €11,131/yr). Your current projection of €319,171 is 115% of the way there.
State Pension Check
With 40 years of PRSI, you qualify for €14,420/yr. Check your PRSI record on Revenue MyAccount. You qualify for the full rate.
Closing the Gap
To close your €0/yr gap, the most effective strategy is €0/mo additional AVCs. At 40% tax relief, this costs just €0/mo net. Retiring 0 years later also impacts the projection.
Frequently Asked Questions
25x rule: multiply desired annual income by 25. E.g. €35k/yr → €875k needed.
€277.30/wk (2025). Need 10yr minimum, 40yr for full. Deferring gives +30.6%.
€2M threshold. Excess taxed at 40%. Plan to stay under.
ARF = flexible drawdown (4% rule). Annuity = guaranteed for life. ARF better for €200k+.
Most workers have 2-5. Consolidate via PRSA or track separately. GBP pots auto-converted.
3% halves buying power in 24yr. Always use real (inflation-adjusted) projections.
Transfer to Irish QROPS. GBP values converted at current rate (€1 ≈ £0.86).
From 50 (occupational) or 60 (PRSA). 25% tax-free lump sum (max €200k).
Reduce taxable income now. At 40% rate, €1k AVC costs just €600 net — instant 40% return.
Scenario-based suggestions to help you validate your result and explore the next decision point.