Séanadh Dlíthiúil

Cóipcheart

Is leis An Bhord Pinsean cóipcheart an ábhair atá ar áireamh i láithreán gréasáin an Bhoird Phinsean. Is féidir leas a bhaint as an ábhar seo d’fhonn úsáid phríobháideach neamhthráchtála ar choinníoll go gcoinníonn aon chóip gach cóipcheart agus gach fógra dílseánach eile atá ar áireamh sa bhunábhar. Níl se ceadaithe na hábhair ar an láithreán gréasáin seo a athrú ar aon bhealach nó iad a atáirgeadh nó a thaispeáint , a chur i láthair nó a dháileadh go poiblí nó iad a úsáid chun críocha poiblí nó tráchtála eile.

Séanadh Dlíthiúil

Ullmhaíodh ábhar an láithreáin gréasáin seo chun eolas ar phinsin a chur ar fáil agus níos sonraí chun eolas a chur ar fáil ar ról agus ar fheidhmeanna An Bhoird Phinsean maidir le scéimeanna pinsean gairme. Agus an láithreán gréasáin á sholáthar níl An Bord Pinsean ag ofráil comhairle dlíthiúil nó comhairle tráchtála. Ní foinse iomlán eolais ar phinsin an t-eolas sa láithreán gréasáin seo. Má tá comhairle shonrach de dhíth ba chóir duit dul i gcomhairle le gairmí atá cáilithe go hoiriúnach.

Siúd is go bhfuil gach iarracht déanta ag An Bhord Pinsean lena chinntiú go bhfuil an t-eolas atá ar áireamh sa láithreán gréasáin ceart agus cruinn, is féidir, mar sin féin earráidí nó easnaimh a bheith san ábhar ó am go chéile. Ní ghlacfaidh An Bord Pinsean, a sheirbhísigh nó a ghníomhairí, dliteanas ar bith as aon earráidí nó easnaimh san eolas nó sna sonraí nó as aon chaillteanas nó díobháil a tharlaíonn d’aon duine a théann i mbun gnímh nó nach dtéann i mbun gnímh de thoradh ar eolais nó ar shonraí atá ar áireamh sa láithreán gréasáin seo.

Naisc

Ní cheadaítear hipirtéacs nó naisc eile chuig an láithreán gréasáin seo gan chead ón Bhord Pinsean. Má theastaíonn uait nasc a sholáthar chuig an láithreán gréasáin seo, ba chóir duit a chur in iúl dúinn sa ríomhphost ag info@pensionsboard.ie agus sonraí a thabhairt d’ aimsitheoir(í) aonfhoirmeach(a) acmhainne (URL(s)) an leathanaigh ( na leathanach) le naisc chuig ár láithreán gréasáin agus URL(s) an leathanaigh (nó na leathanach) ar mhian leat nasc a chruthú chucu ar ár láithreán gréasáin.

 
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Pensions Board
Pensions Board - Engage with your Pension

About the Pension’s Calculator

  • This pension’s calculator is designed to give a broad indication of the level of contributions required to give your desired pension at your retirement age. This calculator only provides a sample indication of the funding contributions for your pension and no reliance should be placed on it.
  • This calculator does not take into account any contributions an employer might make to your pension.
  • Do you know that contributions paid to a pension scheme will benefit from income tax relief at your highest rate of income tax? This calculator takes into account current income tax relief benefits.
  • For a full and accurate assessment of your personal finances and any tax relief you may be entitled to on your pension contributions always consult with a professional financial adviser

The next step is to talk to your employer, trade union, bank, insurance company, building society or financial advisor about starting your pension today.

Pension Calculator Notes:
  1. Assumptions used: Investment return will be 5% per year before retirement and 4% per year after retirement. Salary will increase at 3% per year. Pension will increase at 2% per year in retirement. The State Pension will increase in line with salary increases. Spouse's annuity assumes a 3 year age gap between the Main Life and Spouse. Your personal illustration above makes an approximate allowance for the recently introduced Pensions Levy (i.e. 0.6% of your Fund Value) until 2014 or your intended retirement year if earlier.
  2. Contribution amounts shown will increase each year as salary increases.
  3. The actual pension at retirement will depend on actual investment return and salary inflation up to retirement and on the cost of purchasing annuities at retirement.
  4. Tax relief calculations take account of age related limits on tax relief in any given year as prescribed by the Revenue. Your financial advisor will be able to help you to stay within your limits. The maximum tax relief as a % of earnings are as follows:
         Under 30: 15%
         30 to 39: 20%
         40 to 49: 25%
         50 to 54: 30%
         55 to 59: 35%
         60 and over: 40%
  5. Contributions or benefits may exceed limits prescribed by the Revenue. Your financial advisor will be able to help you to stay within your limits. Budget 2011, introduced a Standard Fund Threshold (SFT) of €2.3 million. Individuals with pension funds in excess of this value as at 7 December 2010 may apply for a Personal Fund Threshold(PFT). When the capital value of pension benefits drawn down by an individual exceed his or her SFT or PFT as appropriate, a tax charge of 41% is applied to the excess fund.
  6. In these net contribution calculations, PAYE & single persons tax reliefs and single persons tax bands are assumed. It is also assumed that no other tax reliefs apply.
  7. The annuity rate used to convert your pension fund at retirement age is a long term average annuity rate, which makes no allowance for the recent gender equalisation ruling. The annuity rate used in your personal illustration above will be shown when you run the calculator.
  8. This calculator takes account of the fact that the State Pension (Transition) will no longer be paid from 1 January 2014. This means that there will then be a standard State Pension age of 66 years for everyone. If you have qualified for the State Pension Transition before 1 January 2014 you remain entitled to it for the duration of your claim (1 year). State pension age will increase to 67 in 2021 and to 68 in 2028

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