OwnIt
Will the money you’re building fund the life you want?
This tool gives you a starting picture based on today’s numbers and assumptions. See what you’re building towards, and whether it funds the life you actually want.
Your financial numbers never leave this page. Everything is calculated in your browser.
About you
The life you want
One number. What you spend in a typical month today, roughly. Estimates are fine.
Want more accuracy?
Remove costs that may be gone, like your mortgage or some family expenses, and add more for health, travel and the life you want. Then adjust the percentage below.
Your pension
The numbers doing the heavy lifting. They're on your pension statement or portal.
Your investments and shares
Outside your pension. Funds, shares, company share plans. Skip it if this isn't you yet.
At 60, each year
Add your numbers above and your picture appears here.
Make your picture more accurate Edit the cells below
Your retirement spending
Think about costs that may disappear and what you want more of in retirement. We’ve used % of what you spend today.
Your pension growth
Check how your pension is invested and what it has been returning. A more cautious fund may have lower expected returns. We’ve used %.
Your investment growth
Check how your investments are invested and what return is reasonable to expect. We’ve used %.
Your State Pension
What you get depends on how many years count. Time out for children or caring may count too, but you may need to apply. Request your Contribution Statement on MyWelfare.ie. We’ve used %.
See how this was calculated
- Your target retirement spending starts at your chosen percentage of what you spend today, rising with inflation of 2.5% a year.
- Your pension and investments grow at the rates you set above, after charges. Any rent grows at 2% a year.
- Monthly contributions stay level in euro terms. Ticking the box above increases your pension contributions by 2.5% a year, in line with inflation; investment contributions stay level either way.
- Your pension and investments are assumed to stay invested and keep growing after you retire, allowing your annual income to rise with inflation rather than stay fixed.
- Annual income is estimated at 4% of the projected value of each pot, or 3.5% when your chosen age is before 60, because your money has to work for longer.
- The State Pension starts at 66, using the 2026 rate of €15,564 a year, counted at the percentage you set above. The full rate needs 40 years of PRSI contributions.
- Tax is estimated using a simplified effective rate based on projected income. Your actual tax will depend on your circumstances and how your investments are held.
- Investment tax is simplified in this model. A 38% tax adjustment is applied to investment growth, but different investments can be taxed differently and the timing of tax charges, including deemed disposal where relevant, is not modelled. Treat the investment figures as an estimate and get specific tax or financial advice for your own circumstances.
- Personal and age tax credits are built into the estimated tax rates. Your own individual tax treatment depends on your circumstances.
- The years before the State Pension are assumed to be funded from your pension first, starting with your 25% tax-free lump sum (capped at €200,000), then the rest of your pension, then investments if needed. Tax-free cash beyond what the bridge needs is not modelled.
- Based on 2026 tax and State Pension rates. Updated August 2026.
This is financial education to support your own decisions. It is not regulated financial advice, a personal recommendation, or tax advice, and OwnIt Advisory is not regulated by the Central Bank of Ireland. The figures are planning estimates based on the assumptions shown above. They are not guarantees. The value of investments can fall as well as rise, and you may get back less than you invest. Projections are not a reliable guide to future performance.
Verify your own position with Revenue, MyWelfare.ie, or a regulated advisor before acting on any figure here.