For how the calculation works, the formula behind it and what it leaves out, see the full guide.
Data sources
- Current
Irish consumer finance conventions
Effective 2021-01-01 onward · retrieved 2026-08-30
The scheduled increase in the State Pension age was cancelled, leaving it at 66.
How we checked these figures
Citizens Information publishes 66 as the State Pension age, with a deferral option to 70.
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CentExact Editorial · Research & verification
Every CentExact calculator is built from the published finance formula, tested against spreadsheet, lender and tax-authority figures, and reviewed when the underlying rates or rules change.
How we build and test our calculatorsThis calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.