If you work in the HSE or another Irish public service body, your pension is one of your most valuable benefits. Use this tool to estimate your tax-free lump sum and annual pension based on your pay, service, and retirement age.
Guidance only — not an official HSE tool. For exact figures, request a Pension Benefit Statement from HSE Pensions.
Enter a few details to estimate your lump sum, annual pension, and a simplified ASC (Additional Superannuation Contribution). You can adjust options like commutation and PRSI class.
€0
Calculated based on your scheme and reckonable service.
€0
Pre-tax; Class A PRSI includes simplified integration with the State Pension.
€0
Very rough estimate for current year.
Note: Early retirement reduces benefits. These figures assume normal retirement age unless stated.
Important: Exact rules differ by scheme, service history, and allowances. For official numbers, request a Benefit Statement from HSE Pensions.
Schemes depend on when you first joined the public service. Key concepts are the same: service, pensionable pay, integration, and commutation.
Pre-1995, 1995, 2004 (final salary) and the Single Scheme (2013) which is career-average with CPI revaluation.
Reckonable service (pro-rata for part-time), pensionable remuneration (salary + some allowances), and ASC.
Typical ages: 60 (1995), 65 (2004), and State Pension age for the Single Scheme. Early retirement is cost-neutral.
Find your likely scheme based on your first public service start date.
Benefits are based on your final pensionable salary and years of reckonable service. Integration applies for most Class A PRSI members.
1/80th per year of service.
3/80ths per year of service (tax-free within lifetime limits).
A career-average scheme. Each year you build pension and lump sum “credits” as a % of that year’s pensionable pay. Credits are revalued by CPI each year until retirement.
Revalued by CPI to retirement.
Also revalued by CPI to retirement.
These examples are illustrative. Exact rules vary by scheme, PRSI class, and your service record.
Age: 60
Final Salary: €55,000
Service: 35 years
Pension: €24,063/yr
Lump Sum: €72,188 (tax-free)
Age: 67
Average Salary: €45,000
Service: 30 years
Pension: ~€8,500/yr
Lump Sum: ~€25,500
Figures shown ignore CPI revaluation detail, integration nuances, and tax — for orientation only.
Integration: Class A PRSI pensions are coordinated with the State Pension (Contributory).
Commutation: You can trade part of your pension for a larger lump sum (within limits), reducing annual income.
Early Retirement: Cost-neutral reductions apply; leaving 5 years early can reduce benefits by ~25%.
Service isn’t always straightforward — here’s what typically changes your benefits.
Unpaid periods usually don’t count as service. Some breaks can be bought back by paying extra contributions (subject to rules).
Service is credited pro-rata. Example: 10 years at 0.5 FTE = 5 years reckonable service.
Service typically follows you across Irish public bodies via the Public Service Transfer Network. Overseas service recognition is limited.
Final salary schemes use your final pensionable pay. Some allowances are pensionable; overtime usually isn’t.
Leaving and re-joining after 2013 may place you in the Single Scheme for new service, even if you had earlier 1995/2004 service.
Most schemes include a lump sum death gratuity and a spouses’ & children’s pension, subject to eligibility.
Rules are the same, but pay elements differ by role.
Roster/premium allowances may be pensionable. Overtime generally isn’t.
Short contracts still count if continuous. Some allowances are pensionable.
Complex contracts; some elements pensionable. Income caps may interact with pensions.
Usually straightforward scales; check which allowances are pensionable.
Promotions near retirement can affect final salary schemes.
Part-time patterns common; service pro-rata is the key factor.
Straight answers for Irish public servants.
No. Use this page for guidance and request an official Benefit Statement from your HSE Pensions Office.
Contact your regional HSE Pensions Office or use the HSE Staff Portal. Have your staff number to hand.
Service is credited pro-rata. Example: 20 years at 0.5 FTE = 10 years reckonable service.
For most Class A PRSI members, HSE pension is coordinated with the State Pension (Contributory) payable from State Pension age.
The Additional Superannuation Contribution is a statutory deduction that replaced the PRD from 2019.
Yes, but benefits are reduced permanently under Cost-Neutral Early Retirement. The closer you are to normal pension age, the smaller the reduction.
For precise, binding figures, request a Pension Benefit Statement from your HSE Pensions Office.
Find your regional office on the HSE Staff Portal or check your payslip footer for contacts.
Plain-English guidance on public service pensions and retirement rules in Ireland.
INMO, SIPTU, Fórsa and others offer pension resources and workshops for members.
Consider independent financial advice for AVCs or complex situations. Ensure advisers are authorised by the Central Bank of Ireland.