Calculate Ireland 'My Future Fund' Auto-Enrolment pension savings: Employee & Employer 1.5% to 6% match + State €1-for-€3 top-up up to €80,000 cap.
Statutory €80,000 cap & progressive government match
Deducted via net payroll
Mandatory 100% employer match
€1 for every €3 employee puts in
Basis = \min(Salary, €80,000) \\
Contribution_{Employee} = Basis \times Rate_{Phased} \quad (1.5\% \rightarrow 6.0\%) \\
Contribution_{Employer} = Contribution_{Employee} \quad (1:1\text{ Match}) \\
Top\text{-}Up_{State} = \frac{1}{3} \times Contribution_{Employee} \quad (33.3\%\text{ Bonus}) \\
Pot_{Total} = \sum (Emp + Employer + State) \times (1 + r)^tUnder the Irish Automatic Enrolment Retirement Savings Scheme ('My Future Fund'), for every €3 an employee saves, their employer contributes €3 and the State adds €1 (a guaranteed 133% instant match before investment returns). Phased from 1.5% up to 6.0% capped at €80,000 gross annual earnings.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual Central Bank of Ireland mortgage caps, Revenue PAYE/USC/PRSI rules, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or Irish Revenue documentation prior to executing financial commitments.
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