What is the Ireland Coast FIRE Calculator?

The Ireland Coast FIRE Calculator helps estimate how much you need to invest today so your portfolio can grow to your retirement target without requiring additional retirement contributions.

Does this calculator use Euro (€)?

Yes. This calculator is designed for users in Ireland and performs calculations using Euro (€).

Can I include the Irish State Pension in my retirement plan?

Yes. You can estimate your Coast FIRE goal while considering your expected Irish State Pension and other retirement income sources.

Is the Ireland Coast FIRE Calculator free to use?

Yes. This calculator is completely free to use and provides instant retirement planning estimates.

Coast FIRE Ireland (€)

Find your Coast FIRE number in Euros — when you can stop saving and let your pensions and investments compound to retirement. Factor in the State Pension, Auto-Enrolment, and other income.

State Pension (Contributory) • Auto-Enrolment • Occupational pension • 100% Free

Important: This calculator provides general estimates based on current Irish pension and tax rules. The State Pension (Contributory) amount, Auto-Enrolment contribution rates, and PRSI rules are subject to change. Always consult a qualified financial advisor and the Department of Social Protection for personalised guidance.

📊 Your Details

Enter your information and toggle income sources to see the impact on your Coast FIRE target.

Current Age

Retirement Age

Annual Spending in Retirement (€)

€

Current Savings & Investments (€)

€

Expected Investment Return (%)

Inflation (%)

Safe Withdrawal Rate (%)

State Pension (Contributory)

Occupational Pension

Auto-Enrolment

Other Income

🏛️ State Pension (Contributory)

Annual State Pension (€)

€

State Pension Start Age

Indexed annually (COLA) COLA — adjusts with inflation

The State Pension (Contributory) requires a certain number of PRSI contributions. The current maximum weekly rate is about €277.30 (2026). Eligibility and rates depend on your PRSI record.

💼 Occupational Pension

Annual Occupational Pension (€)

€

Occupational Pension Start Age

Includes Cost-of-Living Adjustments (COLA) COLA — adjusts for inflation

Occupational pensions are employer-sponsored schemes. Availability and terms vary by employer and sector. Many Irish public sector pensions are linked to salary and service length.

📈 Auto-Enrolment (AE)

Annual Auto-Enrolment Income (€)

€

AE Start Age

Includes COLA / indexation COLA — adjusts for inflation

Auto-Enrolment is Ireland's new workplace retirement savings system, rolling out from 2025. Employees contribute 1.5%, employers 1.5%, with government top-up. This is a general estimate — actual amounts depend on your earnings and contribution rates.

💰 Other Guaranteed Income

Annual Income (€)

€

Income Start Age

Includes Cost-of-Living Adjustments (COLA) COLA — adjusts for inflation

Irish pension note: State Pension (Contributory) requires a minimum number of PRSI contributions. The current maximum weekly rate is €277.30 (2026). Auto-Enrolment is being rolled out from 2025. This calculator provides estimates — always check your personal PRSI record and pension entitlements with the Department of Social Protection.

📈 Your Results

See how different income sources reduce your Coast FIRE target.

Coast FIRE Target (No Pensions) €0

Coast FIRE Target (With Pensions) €0

Your Current Savings €0

Progress 0%

0% Coast FIRE Target 100%

State Pension & Other Income Reduce Your Target By

€0

0% less to save

💡 The maximum State Pension (Contributory) in 2026 is €277.30 per week — that's about €14,400/year, reducing your Coast FIRE target by over €360,000 (4% rule).

Based on retire at 66, 4% withdrawal, 2.0% inflation.

Disclaimer: This is a general estimate. Irish pension rules and rates change. Consult the Department of Social Protection and a qualified financial advisor for accurate, personalised advice.

Irish Coast FIRE by Age

Based on €35,000 annual spending, 4% withdrawal rate, 5.5% expected return, 2.0% inflation, retiring at 66. All figures in today's Euros.

Current Age	Years to 66	Coast FIRE Number	Full FIRE Number
25	41	€283,815	€875,000
30	36	€327,513	€875,000
35	31	€377,977	€875,000
40	26	€436,140	€875,000
45	21	€503,314	€875,000
50	16	€580,848	€875,000

Change your spending, return, inflation, or retirement age in the calculator above for your exact number. Figures are in today's purchasing power.

Irish Coast FIRE Insights

Key considerations for Coast FIRE planning in Ireland.

🏛️

State Pension (Contributory)

You need 520 PRSI contributions (10 years) for a minimum State Pension. The full rate requires 2,080 contributions (40 years). The current maximum weekly rate is €277.30 (2026), increasing to €278.80 in 2027. Check your PRSI record for your exact entitlement.

📈

Auto-Enrolment (2025 Onwards)

Ireland's new automatic enrolment system starts in 2025. Employees contribute 1.5% of gross salary (rising to 6% over time), employers match, and the government adds a top-up. This new retirement savings scheme could significantly boost your Coast FIRE progress.

💼

Occupational Pensions

Many Irish employers offer occupational pension schemes, often with matching contributions. Public sector pensions (e.g., civil service, HSE, teachers) are typically defined benefit (DB) schemes, while private sector pensions are often defined contribution (DC). Factor in your actual or projected benefit.

💰

Tax Relief on Pensions

Irish pension contributions attract income tax relief at your marginal rate (up to 40%). This makes pension saving one of the most tax-efficient ways to build wealth in Ireland. The maximum tax-relieved contribution is age-based: up to 20% of earnings under 30, up to 40% for those over 60.

Frequently Asked Questions

Common questions about Coast FIRE in Ireland.

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