AI Pension Advisor Ireland

What you get

• A pension action score and recommendation
• Estimated Revenue age-band tax-relief headroom using the current €115,000 earnings cap
• Clear defined benefit versus defined contribution guidance
• Public-sector superannuation checks for civil/public service jobs, including Single Scheme, older schemes, AVCs, notional service and ASC questions
• A plain-English view of employer match, State top-up and MyFutureFund relevance
• PRSA, AVC, occupational pension, RAC and adviser questions to take to payroll, HR, a provider or a regulated adviser

What it checks

1. Calculates the user's age-related Irish pension tax-relief band without depending on MCP availability.
2. Compares current monthly personal and employer contributions with obvious headroom.
3. Checks whether MyFutureFund auto-enrolment is likely relevant from the user's age, income and workplace-pension status.
4. Explains DB versus DC clearly so users understand whether they have a promised benefit formula or an invested pot.
5. For public-sector users, highlights superannuation scheme membership, Single Public Service Pension Scheme, pre-2013 scheme questions, AVCs, notional service, survivor benefits and retirement-age rules.
6. Frames risk comfort against years to retirement without naming funds or promising returns.
7. Produces concrete next actions and questions rather than generic pension education.

Useful to know

This is not regulated financial, tax, investment, legal or retirement advice. Pension rules, fund options, charges, superannuation terms and tax treatment can change. Users should verify with Revenue, the Pensions Authority, their provider/payroll team, HR pension administrator, or a regulated financial adviser before acting.

Guidance basis

• Revenue: pension contribution tax-relief limits and earnings cap
• gov.ie / MyFutureFund: auto-enrolment rules and State/employer top-up context
• Pensions Authority: PRSA, occupational pension, DB and DC guidance
• Single Public Service Pension Scheme / publicservicepensions.gov.ie: public-sector superannuation and pension modeller context
• User inputs: age, income, contribution level, pension balance, employment type, retirement age and risk comfort