2026 RULES — NEW TCA METHOD
State Pension Calculator
Estimate your Irish State Pension (Contributory) using the new 2025+ calculation rules — TCA and Yearly Average blended.
Check your PRSI record at mywelfare.ie
Avg contributions per year since you first paid PRSI
Deferring past 66 increases your weekly rate
New Rules Since January 2025
Since January 2025, the State Pension uses a Total Contributions Approach (TCA) — your pension rate is proportional to your total PRSI contributions (max 2,080 = full pension). Previously, a yearly average was used.
In 2026, the blended rate is 80% Yearly Average + 20% TCA. By 2034, only TCA will apply. You'll receive whichever method gives you the higher amount.
The maximum rate at age 66 in 2026 is €289.30/week (€15,044/year). Deferring adds approximately €15/week per year of deferral.