Estimate the weekly and annual contributory pension.
Estimated weekly pension
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Annual pension
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Increases included
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Your breakdown
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Worked example
Take someone with a strong PRSI record, a yearly average of 48 contributions, and a spouse under 66 who is a qualified adult. An average of 48 or more earns the full personal rate, which is 289.30 euro a week. The Increase for a Qualified Adult under 66 adds about 175 euro a week, bringing the weekly pension to about 464.30 euro, or roughly 24,144 euro a year. The personal rate alone would be 289.30 euro a week, about 15,044 euro a year. If the yearly average dropped into the 30 to 39 band, the personal rate would scale back to roughly 92% of the full amount, showing how sensitive the contributory pension is to your contribution record.
How it is calculated
The contributory State Pension depends on your PRSI record. Under the yearly average method, the system looks at your average paid or credited contributions a year across your working life. An average of 48 or more earns the full personal rate, and reduced bands step the rate down, to about 98% for an average of 40 to 47, 92% for 30 to 39, and so on, with no contributory pension below an average of 10. The tool applies the band that matches your average to the full weekly rate, then adds an Increase for a Qualified Adult if you support a dependent spouse, at a higher amount if that spouse is 66 or over, plus amounts for any child dependants. There is also a separate total contributions approach, building toward 40 years of contributions for the full rate, and your actual entitlement may be assessed on whichever method gives more. Rates are reviewed each Budget, so treat the figures as an estimate.