Free tools for civil and public servants in the Single Public Service Pension Scheme: a Defined Benefit pension and lump sum projection, and a real AVC tax-relief headroom calculator that accounts for your mandatory contribution. Standard Accrual and Fast Accrual (Uniformed — Gardaí, Prison Officers, Defence Forces, firefighters) member categories are both covered.
Everything runs in your browser using the Scheme's own published accrual rates from Circular 11/2014 and the current Contributory State Pension rate — nothing you enter is sent to a server. The pension projection mirrors the official Single Scheme Estimator Tool's own methodology: starting from your Annual Benefit Statement referable amounts (or zero, from a standing start), it projects forward to your Normal Retirement Age using the Estimator Tool's own stated assumptions.
No. The Single Scheme is Defined Benefit — your pension is a formula based on your service and pay, guaranteed by the State, with no investment pot. Private-sector pensions (including Ireland's My Future Fund auto-enrolment scheme) are Defined Contribution — a pot that grows from contributions and investment returns. If you're in the private sector, use the Irish Tax Calculator's My Future Fund and ARF Drawdown calculators instead.
This is a broad estimate, not a guarantee — the same disclaimer the official Single Scheme Estimator Tool carries. It uses the Scheme's own published accrual rates (Circular 11/2014) and the official Estimator Tool's own stated assumptions (3% pay growth, 1% career progression, CPI-uprating). Your actual benefits depend on your real salary history, service record, and Scheme rules in force at retirement — for anything official, use your Annual Benefit Statement or contact your Pensions Officer.
Revenue's age-related relief limit (15% under 30, rising to 40% at 60+, on earnings up to €115,000) applies to your mandatory Single Scheme contribution and your AVCs combined — not to AVCs alone. A calculator that ignores your mandatory contribution overstates your remaining AVC headroom.
The Irish Tax Calculator covers Income Tax, USC, PRSI, My Future Fund auto-enrolment, and ARF Drawdown for the private sector.
Figures are broad estimates for informational purposes only, based on the Single Scheme's own published assumptions — not a guarantee of benefits, and not a substitute for your Annual Benefit Statement or official Pensions Officer advice.