Public Sector Pension Calculator — Ireland (Indicative)
Estimate an indicative occupational pension for public sector roles (teachers, health, local authority etc.). Choose calculation type and adjust inputs as needed.
Planning for retirement is a big step, and if you’re working in the Irish public sector, understanding your pension entitlements is essential. Our Public Sector Pension Calculator Ireland is a free and easy-to-use tool that gives you an indicative estimate of your retirement benefits. Whether you’re a teacher, nurse, garda, local authority worker, or other public service employee, this calculator helps you estimate your annual pension, monthly income, lump sum, and replacement rate. Explore more pension-related tools in our Pensions & Retirement Calculators category.
It’s designed to make pension planning clearer, so you can make informed decisions about your future.
⚙️ How the Public Sector Pension Calculator Works
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Select Calculation Type – Choose between Final Pensionable Salary or Career Average calculation.
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Enter Pensionable Salary – Input your final salary (or average pensionable pay, depending on scheme).
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Years of Pensionable Service – Enter your reckonable years of service.
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Accrual Rate – By default, this is set at 1/80 (0.0125), but you can change it if your scheme differs.
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Service Cap (Optional) – If your scheme limits maximum years of service (e.g. 40 years), enter the cap.
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Lump Sum Multiplier – Usually 3× annual pension, but adjustable.
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Calculate – The calculator will instantly display:
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Annual Pension
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Monthly Pension (approximate)
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Lump Sum Estimate
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Replacement Rate (% of your salary)
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This makes it easy to see your projected pension entitlements in seconds.
You can also go through - Civil Service Pension Calculator Ireland
✅ Why Use This Calculator?
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Free & Instant – No signup or registration needed.
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Customizable – Adjust rates, years, and caps to match your scheme.
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Ireland-Focused – Tailored for Irish public sector employees.
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Clarity for Planning – See annual, monthly, and lump sum results together.
ℹ️ Additional Information
This calculator is for illustration only. Pension entitlements in Ireland depend on:
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Your specific scheme rules (e.g. Single Scheme vs Final Salary).
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Definitions of pensionable pay.
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Service limits and accrual rules.
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Commutation options and integration with the State Pension.
Always check official calculations with your HR, union, or pension administrator.
❓ FAQs – Public Sector Pension Calculator Ireland
Q1. Who is this calculator for?
It is for Irish public sector workers, including teachers, healthcare staff, civil servants, gardaí, and local authority employees.
Q2. How accurate is it?
It provides an indicative estimate based on standard pension formulas. Actual entitlements may differ depending on scheme rules and personal service history.
Q3. What is the accrual rate?
The accrual rate is the fraction of salary earned as pension per year of service. For example, 1/80 means you earn 1/80th of your salary as annual pension for each year worked.
Q4. Can I include the State Pension in this?
No, this calculator only estimates your occupational public sector pension. The State Pension is separate.
Q5. What is the lump sum multiplier?
In many schemes, the lump sum is three times your annual pension, but this can vary. That’s why we let you set your own multiplier.