Finance & Irish taxes · Calculator companion · By K Imports
MyFutureFund contributions 2026: practical guide
This guide explains how to use the Count.ie myfuturefund contributions 2026. Compare a labelled annualised approximation with an evenly monthly paid, full-year contribution estimate. Follow the inputs, method and worked example below, then compare your own scenario.
Guide written .
Open the MyFutureFund contributions 2026 calculatorWhat to prepare
- Have the figures for annual gross qualifying payroll earnings (€) and employee age ready, from a dated document, with the period (annual, monthly or per transaction) that each input expects.
- Note the date of the transaction, since this model has no year selector and fixed rates may have changed.
- Compare your circumstances with the cited Official rules and guidance and Enrolment eligibility in the revised Act before relying on the headline result.
Understand the inputs
- Collection assumption
Options: Flat-cap annualised approximation (not exact payroll); Even monthly pay, one employment, enrolled all year.
The calculation method
2026 employee/employer 1.5% each and State 0.5%. Flat-cap mode uses min(earnings, €80,000) only as an annualised approximation. Even-monthly mode collects the entire threshold-crossing monthly pay run and then stops; it assumes one employment and full-year enrolment.
Worked example
Illustrative inputs and their result.
Example inputs
- Annual gross qualifying payroll earnings (€)
- 45000
- Employee age
- 35
- Existing qualifying pension through payroll
- No
- Confirmed voluntary enrolment if outside automatic criteria
- No
- Collection assumption
- Flat-cap annualised approximation (not exact payroll)
Calculated example result
- Total Annual Contributions
- €1,575.00
- Monthly average employee contribution (annual / 12, not payslip deduction)
- €56.25
How to interpret the result
Reviewed 6 October 2026. Distinguish a tax saving, a tax bill, cash received and money remaining: they are not interchangeable. An estimate does not establish eligibility, filing compliance or when a refund will be paid.
Change one input of myfuturefund contributions 2026 at a time and record the result; keep a record of the year, date and assumptions so a change in the result can be explained.
Common mistakes to avoid
- Do not mix tax years or apply a newly announced measure to an earlier transaction.
- Avoid counting an allowance, credit, contribution or loss twice.
- Check exclusions and personal circumstances before relying on the headline result.
Assumptions and sources
Reviewed 6 October 2026. Annual salary alone cannot determine exact collections. Monthly average means annual contribution / 12, NOT the payslip deduction. Even-monthly mode excludes irregular pay, bonuses, multiple employment timing, partial-year enrolment, notification delays and payroll rounding differences. At €110,000, nine contributing months of €137.50 give employee/employer €1,237.50 each and State €412.50. NAERSA notifications determine actual collections.
Sources and further information
If your case falls outside this scope, use a more suitable calculator or contact us about an unclear method.