Maximum tax relief for pensions in Ireland

The maximum pension contributions, in any one year, for which you are entitled to tax relief, is related to your age and is expressed as a percentage of your gross income. The maximum gross income figure for relief purposes is €115,000. The maximum tax relief you receive as a % of your earnings for pensions in Ireland is set out below.

Tax Relief by Age Bracket

Under 30:

30 to 39:

40 to 49:

50 to 54:

55 to 59:

60 and over:
15% 20% 25% 30% 35% 40%


*For employers, "earnings" means gross pay for tax purposes, while for the self-employed, "earnings" means net relevant earnings, i.e., earnings less allowable expenses.


Detailed information regarding tax relief on contributions and pensions in general can be found on citizensinformation.ie
Warning: Income tax relief is not guaranteed.
To be eligible to claim income tax relief, your income must be taxable either Schedule E or Schedule D (case I or II).
To claim income tax relief, you can apply to your Inspector of Taxes to adjust your tax credits. Contributions deducted from salary will receive immediate tax relief.If you are self-employed, you must include your pension contributions in your self assessment tax returns in order to obtain income tax relief.
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Irish Life Financial Services ltd. is regulated by the Central Bank of Ireland. Irish Life Assurance plc. is regulated by the Central Bank of Ireland.
Irish Life Financial Services ltd and Irish Life Assurance plc Registered Office - Lower Abbey Street, PO Box 129, Freepost, Dublin 1. Phone: 01 704 2000, E-mail: customerservice@irishlife.ie.
Irish Life Financial Services Registered Number 489221. Irish Life Assurance plc Registered Number 152576.
In the interest of customer service, we will record and monitor calls.

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