Pension Calculator

This is still a work in progress. Comments/suggestions welcome !


Date of Birth
Retirement Age

Your Income

Annual Salary (€)
Annual Salary Increase (%) Paid In
Employer's Pension Contribution (%)
Employee's Pension Contribution (%) (max. tax-free contribution=)
Your Tax Bracket
Monthly Pension Contribution (before tax relief)
Monthly Pension Contribution (after tax relief)

Your Pension

Perform Calculations From
Existing Fund Value (€)
Projected Annual Fund Growth Rate (%)
Projected Annuity Rate (%)
Annual Fund Management Charges
Percentage (%)
Fixed (€)

Your Retirement

Tax Free Retirement Lump Sum (€) (max=)
Time to Retirement months / years
Expected Income at Retirement (€)
Pension Fund Value at Retirement (€)
Annual Income from Annuity (€)
Annuity Income as % of Final Income

Your Privacy - This program does not transmit any information back to the server (or to anywhere else). All of the calculations are done on your PC and none of the information you enter here is stored anywhere or sent anywhere.

My Disclaimer - I'm not an expert on pensions or financial planning (a fact which my wife discovered a little to late to be useful !) While I believe the results from this program should be fairly accurate, please don't bet the farm on it and do check with a financial advisor. In particular, note that the defaults suggest for "Fund Growth Rate" and "Annuity Rate" should be considered to make sure they are appropriate to your particular circumstances.