A better way to grow your savings
Personal Investment Account from Irish Life, coming in 2027
A Personal Investment Account (PIA) is a proposed new account designed to make investing easier for everyone. Available from 2027, it will offer a simpler way to invest, with more straightforward tax rules. You can start with small amounts, invest at your own pace and access your money when you need it.
In the meantime, why not try our investment growth calculator to explore how your money could grow over time compared with leaving it in a cash savings account.
Advice is provided by Irish Life Financial Services.
What is a Personal Investment Account (PIA)?
The proposed Personal Investment Account aims to make investing simpler and more accessible for Irish savers. It could offer tax benefits and a simpler experience compared with some existing investment products.
Why is the government introducing PIA?
Irish households missed out on around €800 million in deposit interest in 2024 by keeping money in low or no-interest accounts. The Government's aim is to make saving and investing easier for people who may otherwise leave money in cash.
Investment Growth Calculator
See how your money could grow over time compared with keeping it in a cash savings account.
Calculations are based on an illustrative annual return of 5%.
See how your investment could grow
Enter your investment plan details to see your projected value, growth over time and contribution breakdown.
Investment growth vs cash savings
Investment growth
Cash savings
How the numbers add up
Your contributions
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Your initial amount and monthly contributions over a chosen period
Potential investment value
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Based on a 5% illustrative annual return
Potential investment growth
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The difference between your contributions and potential investment value
Your PIA questions answered
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