Ireland — pension bump vs take-home (simplified relief)
Pension vs take-home
These are example numbers — change them. Not advice.
If you put more into your pension, how much does take-home drop after tax relief, and how much more goes into the pot? Numbers update as you type.
€
%
%
%
Your usual income-tax rate for relief
Uses a simple 20% or 40% relief toggle — not a full Irish PAYE/USC/PRSI calc. Age and contribution caps ignored. Not advice.
Result
Take-home drops by €72 / month after relief
Net cost to you
€72
Extra into pot
€120
Annualised
€864 / year
€72 × 12