Finance & Irish taxes
MyFutureFund Contribution Calculator 2026
Estimate employee, employer and State contributions with the annual earnings cap. This free myfuturefund contribution calculator 2026 shows the calculation and its assumptions so you can compare your own figures.
Your results
Estimate employee, employer and State contributions with the annual earnings cap.
Calculated outcomes
- Annual Employee Contribution
- €675.00
- Annual Employer Contribution
- €675.00
- Annual State Contribution
- €225.00
- Indicative Automatic Eligibility
- Yes
Assumptions and estimates
- 2026–2028 contribution phase: employee/employer 1.5% each and State 0.5%, earnings capped at €80,000 annually across employments. Statutory automatic criteria: age at least 23 and under 60, annualised gross pay at least €20,000, no exempt payroll-pension employment; opt-in requires age at least 18 and under pensionable age, currently 66; some employees may opt in. Actual enrolment uses Revenue payroll records and PRSI eligibility. State top-up replaces pension tax relief on these employee contributions; opt-outs, partial years and fees are excluded.
- Method: 2026 employee 1.5%, employer 1.5%, State 0.5% of qualifying earnings capped at €80,000, subject to enrolment rules.
- Rates/conditions reviewed against the linked official sources on 5 October 2026. Confirm the stated scope before relying on the result.
Sources: Official rules and guidance, Enrolment eligibility in the revised Act
Useful next steps
- Use Compare options to test an alternative side by side.
- Check the official sources above before relying on the figure.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the myfuturefund contributions 2026 calculation works
2026 employee 1.5%, employer 1.5%, State 0.5% of qualifying earnings capped at €80,000, subject to enrolment rules.
Rates/conditions reviewed against the linked official sources on 5 October 2026. Confirm the stated scope before relying on the result.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review total annual contributions and monthly employee deduction, then read the stated assumptions and eligibility conditions before using the result.
Official sources and further information
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Annual gross qualifying payroll earnings (€)
- 45000
- Employee age
- 35
- Existing qualifying pension through payroll
- No
- Confirmed voluntary enrolment if outside automatic criteria
- No
- Total Annual Contributions
- €1,575.00
- Monthly Employee Deduction
- €56.25