MyFutureFund (Auto-Enrolment Retirement Savings)
For 2026 to 2028: 1.5% of your pay from you, 1.5% from your employer and a 0.5% top-up from the State. These rates rise in steps over 10 years to 6% employee, 6% employer and 2% State by 2035 onward.
Last checked October 2026
What it is
Ireland's new pension auto-enrolment scheme, live since 1 January 2026. If you're aged 23 to 60, earning €20,000 or more a year across all your jobs and not already paying into a workplace pension, you're automatically enrolled: you put in 1.5% of pay, your employer matches it and the State tops up another 0.5%, rising in steps over 10 years to 6% plus 6% plus 2%. Over 835,000 people were taking part by mid-September 2026.
Who can get it
- You are aged between 23 and 60
- You earn €20,000 or more a year across all your employments
- You are not already paying into a pension through payroll for that job
- It's automatic: if you meet the conditions, you're enrolled and contributions start coming out of your pay without you having to apply.
- Run by NAERSA, the National Automatic Enrolment Retirement Savings Authority, established 14 October 2025.
- Over 835,000 people were taking part and over €500 million in contributions had been collected and invested on their behalf by mid-September 2026.
How to apply
Applications go through NAERSA. The official page has the full eligibility rules and the application itself.
Go to the official page →Checked against the official source on 20 October 2026. Always confirm the details on the official page before applying.
Questions people ask
Do I need to apply for MyFutureFund?
No. If you meet the conditions, aged 23 to 60, earning €20,000 or more a year across all your jobs and not already in a workplace pension, you are automatically enrolled and contributions start coming out of your pay.
How much goes into MyFutureFund?
For 2026 to 2028 it's 1.5% of your pay from you, 1.5% from your employer and a 0.5% top-up from the State. These rates rise in steps over 10 years to 6% employee, 6% employer and 2% State.
Related guides
- Carer's Allowance
- Carer's Support Grant
- Domiciliary Care Allowance
- Carer's Benefit
- Home Carer Tax Credit
Not sure if this one is you?
Describe your situation in your own words and the assistant shows every support you might qualify for, this one included. Free, no sign up, anonymous.
Check what you might qualify for →Grants change all the time.
Leave your email and I will tell you if the MyFutureFund (Auto-Enrolment Retirement Savings) changes, or a new support opens that fits you. It is free and there is no spam.