Pensions made simple
Compare providers, calculate your retirement savings, and understand your options. Plain English, no jargon, no sales pitch.
New: Auto-Enrolment is here
800,000 workers just got auto-enrolled. Find out what it means for you.
Pension Tools
Free calculators and comparison tools to help you plan your retirement.
Pension Calculator
How much will you have at retirement? See projections based on your age, salary, and contributions.
š°Tax Relief Calculator
Find out how much tax relief you can claim on pension contributions. Save up to 40%.
āļøCompare Providers
See how Ireland's pension providers stack up on fees, funds, and features.
šÆWhich Pension Type?
8 types of pension in Ireland. Take our 60-second quiz to find which ones apply to you.
šJargon Buster
ARF, PRSA, AVC, AMC... Pension jargon explained in plain English.
šStart a Pension
Never had a pension? Here's exactly how to start one in 2026, step by step.
8 Types of Pension in Ireland
The system is confusing by design. We make it simple.
State Pension
Everyone 66+ with enough PRSI contributions
Up to ā¬277.30/week (~ā¬14,420/year). Not enough alone.
Occupational DC
Employees with an employer pension scheme
Employer contributes alongside you. Most common private-sector type.
Occupational DB
Mostly public sector workers
Guaranteed 'final salary' payout. Almost extinct in private sector.
Standard PRSA
Anyone ā especially if no employer scheme
Fee-capped: max 1% annual charge, 5% contribution charge. Portable.
Non-Standard PRSA
Anyone wanting wider investment options
No fee caps. More investment flexibility but watch the charges.
RAC / Personal Pension
Self-employed (legacy product)
Pre-PRSA product. No fee caps. Being phased out.
Auto-Enrolment
Employees 23-60, earning >ā¬20K, no existing workplace pension
NEW from Jan 2026. State tops up ā¬1 for every ā¬3 you save. Just 0.10% charge.
Executive Pension
Company directors
Most tax-efficient way to extract profits. Maximum contribution flexibility.
Ireland's Pension Providers
The 6 main companies that manage Irish pensions.
Irish Life
Market share: ~35%
Market leader, 1.3M+ customers, part of Great-West Lifeco
Zurich
Market share: Top 3
Strong brand, Prisma fund range, good online tools
New Ireland
Market share: Major
Part of Bank of Ireland Group, large employer scheme book
Aviva
Market share: Top 3
International backing, dedicated broker portal
Standard Life
Market share: Major
Now part of Phoenix Group/Abrdn, strong in workplace pensions
Royal London
Market share: Growing
Works through brokers, expanding Irish presence
100%
Independent ā we don't sell pensions
Irish
Founded & based in Ireland
Free
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