Pension contributions qualify for generous tax relief in Ireland. You can claim back 20% or 40% of what you contribute, depending on your tax bracket. Here's how to maximise this valuable tax benefit.
💰 Pension Tax Relief at a Glance
- Relief rate: 20% or 40% (your marginal rate)
- Maximum contribution: Age-based limits (15%-40% of earnings)
- Earnings cap: €115,000 for 2025
- Claim period: Current year + 4 previous years
How Pension Tax Relief Works
When you contribute to a pension, you get tax relief at your marginal rate. This means:
- If you pay 20% tax: Every €100 you contribute only costs you €80
- If you pay 40% tax: Every €100 you contribute only costs you €60
This is one of the most valuable tax reliefs available to Irish workers.
Maximum Contribution Limits by Age
How to Claim Pension Tax Relief
How you claim depends on your pension type:
Occupational Pension (Employer Scheme)
Tax relief is usually applied automatically through your payroll. However, if you've made Additional Voluntary Contributions (AVCs), you may need to claim separately.
Personal Pension / PRSA
You need to actively claim relief through Revenue. We can help ensure you claim for all eligible contributions across 4 years.
Maximise Your Pension Tax Relief
We'll check you've claimed all the pension tax relief you're entitled to.
Check My Tax Relief →No refund, no fee • TAIN: 77632V