Tax-efficient pension & retirement planning in Ireland
Maximise your 40% tax relief and build a secure future. From PRSAs to Executive Pensions, we design bespoke strategies that bridge the gap between your current savings and true financial freedom.
Start your pension reviewSpecialist pension advice & retirement services
Navigating Irish Revenue rules to build tax-efficient retirement strategies for individuals and businesses.
Personal Retirement Savings (PRSA)
Flexible, portable PRSA solutions with total fund control — ideal for employees and contractors.
Pension transfers & PRBs
Maximise your frozen pension funds with Occupational Scheme transfers into Personal Retirement Bonds.
AVC & tax relief strategies
Use Additional Voluntary Contributions to bridge your retirement gap and claim up to 40% tax relief.
Executive & Master Trusts
IORP II compliant structures for company directors — tax-efficient wealth extraction.
The pension goal calculator
The most frequent question in retirement planning isn't "how do I invest?" but "how much is enough?"
Building a successful retirement strategy requires moving beyond guesswork and defining your target fund — the specific capital sum required for your desired lifestyle. The full State Pension currently provides approximately €14,400 per annum, a significant income gap for most professionals.
"Retirement is not an age; it is a financial number — the point where growth and income from your assets can replace your salary indefinitely."
This tool calculates the required monthly contribution needed to bridge that gap.
€0
Required monthly contribution
Disclaimer: Illustrative only. Excludes inflation, tax relief and management fees. For a bespoke actuarial review, consult a Financial Health advisor.
Who is the best pension provider in Ireland?
Finding the right home for your retirement savings depends on fund performance, management fees, and your specific risk profile.
| Metric & feature | Zurich Life | Aviva Ireland | Irish Life |
|---|---|---|---|
| Strategy style | Active management (Prisma) | Multi-manager (Cantor) | Passive / indexed (MAPS) |
| Market position | Award-winning returns | Strategic partnerships | Ireland's largest provider |
| Key differentiator | Equity-biased growth | Access to Cantor Fitzgerald | Volatility management |
Top growth performance
Zurich Life Pensions
Commonly cited as one of the best providers for long-term growth. Their active Prisma fund range is designed to outperform benchmarks through dynamic asset allocation.
Expert partner choice
Aviva Pensions
A leading choice for Multi-Asset funds. Through their partnership with Cantor Fitzgerald, Aviva offers high-earners and businesses bespoke investment strategies and ESG options.
Ireland's market leader
Irish Life Pensions
Providing PRSA and Occupational schemes for thousands of Irish employees, specialising in risk-managed passive strategies via ILIM.
Selecting a provider isn't just about the brand — it's about Revenue approval, tax relief maximisation, and minimising the Annual Management Charge (AMC). As an independent firm, Financial Health isn't tied to any one provider, so our recommendations are led by what's right for you.
Book my pension auditIrish pension strategy & tax relief FAQ
If you're a higher-rate taxpayer, a €1,000 pension contribution effectively costs only €600 net. We analyse your total taxable income to ensure you're using your Revenue age-related percentage limits — such as 25% for those aged 40–49 — to reclaim the maximum tax relief before the annual deadline.
While "cleaning up" old schemes seems logical, it can lead to losing guaranteed annuity rates or early retirement rights at age 50. Our forensic pension review identifies superior legacy growth rates within your old schemes before recommending a transfer to a modern Personal Retirement Bond (PRB).
The pension gap is the shortfall between your target retirement income and the Irish State Pension (approx. €14,419 per annum in 2026). Using our Retirement Goal Calculator above, we determine the exact monthly investment required to bridge this gap.
Looking for specific 2026 pension contribution limits?
Speak with a qualified pension advisorFree resource: Pension cheat sheet
Having a pension in 2026 is a financial necessity. Our guide simplifies the Irish pension landscape, covering Auto-Enrolment, PRSA tax relief, and the pension gap.