How much pension do Irish citizens get? A guide to 2025 rates and eligibility

For 2025, the maximum weekly personal rate for the Irish State Contributory Pension is €289.30. If you're asking, how much pension do Irish citizens get, the answer depends on factors like your work history and social insurance contributions (PRSI). This guide breaks down the different pension types, their rates, and the qualifications required, reflecting key updates from Budget 2025.

Quick Summary

This article explains the two primary types of Irish state pensions, their maximum weekly rates for 2025, and the eligibility criteria involving PRSI contributions or a means test. It also covers the shift to the new Total Contributions Approach and how to apply.

Key Points

• Contributory Pension Rate: As of January 2025, the maximum weekly rate for the State Pension (Contributory) is €289.30 for those under 80.

• Non-Contributory Pension Rate: The maximum weekly rate for the means-tested State Pension (Non-Contributory) is €278.00 for those aged 66 to 79, from January 2025.

• PRSI Contributions are Key: Eligibility for the Contributory Pension is based on having enough paid PRSI contributions, with a minimum of 520 (10 years) required for any payment.

• Total Contributions Approach (TCA): A new calculation method based on total PRSI contributions over a career is being phased in from 2025, replacing the old yearly average system.

• Means-Tested vs. Non-Means-Tested: The Contributory Pension is not means-tested, while the Non-Contributory Pension is based on a review of your income and assets.

• Apply Six Months Early: It is recommended to apply for your State Pension approximately six months before your 66th birthday via MyWelfare.ie or by paper form.

• Planning is Essential: The State Pension provides a basic income, and many financial experts recommend supplementing it with private or occupational pensions for a more comfortable retirement.

Understanding the two types of Irish state pensions

In Ireland, there are two main state pensions for citizens aged 66 and over: the State Pension (Contributory) and the State Pension (Non-Contributory). Eligibility and the amount received depend on either your social insurance (PRSI) record or your financial means.

State Pension (Contributory)

This pension is based on your PRSI contributions and is not means-tested. To qualify, you must be 66 or older and have a minimum of 520 full-rate PRSI contributions (10 years).

State Pension (Non-Contributory)

This is a means-tested option for those who don't qualify for the Contributory Pension. The Department of Social Protection assesses your income and assets to determine eligibility and payment rate. Requirements include being aged 66 or over, passing a means test, and being habitually resident in Ireland.

2025 pension rates and recent changes

Budget 2025 introduced rate increases and changes to calculation methods. Maximum weekly personal rates for both pensions increased by at least €12 from January 2025.

State Pension (Contributory) weekly rates (effective January 2025):

• Personal Rate (under 80): €289.30
• Personal Rate (aged 80 and over): €299.30
• Increase for a Qualified Adult (under 66): €192.70
• Increase for a Qualified Adult (aged 66 and over): €259.40

State Pension (Non-Contributory) weekly rates (effective January 2025):

• Personal Rate (aged 66 to 79): €278.00
• Personal Rate (aged 80 and over): €288.00
• Increase for Qualified Adult (under 66): €183.60

The new pension calculation: Total Contributions Approach (TCA)

From 2025, the State Pension (Contributory) calculation is shifting from the 'Yearly Average' method to the Total Contributions Approach (TCA). The TCA will be fully implemented by 2034.

The TCA bases your pension rate on your total PRSI contributions throughout your working life. Having 2,080 or more contributions (40 years) will qualify you for the maximum rate. During the transition (2025-2034), your pension will be calculated using both methods, and you'll receive the higher amount. The TCA considers paid PRSI, Long-Term Carer's Contributions, HomeCaring Periods, and credited contributions.

How to apply for your Irish state pension

It's advised to apply about six months before you turn 66. Online applications are faster and require a verified MyGovID account. Paper forms are also available.

The application process step-by-step

1. Gather documentation: Have your PPS number and social insurance record ready.
2. Register for MyGovID: Set up and verify your account for online application.
3. Apply via MyWelfare: Log in to MyWelfare.ie to apply online.
4. Submit supporting evidence: Provide any requested documents.
5. Use paper forms if needed: Download forms from Citizens Information or get one from an Intreo Centre.

Comparing Irish state pensions

Feature	State Pension (Contributory)	State Pension (Non-Contributory)
Basis for payment	Social Insurance (PRSI) contributions	Means-tested; based on income and assets
Means Test	No	Yes
Maximum Weekly Rate (2025)	€289.30 (under 80)	€278.00 (aged 66–79)
Residency Requirement	Can be paid abroad if conditions met	Must be habitually resident in Ireland
Work and Other Income	Can work or have other income	Income can affect payment rate
PRSI Requirement	Minimum 520 full-rate contributions (10 years)	No PRSI requirement

Conclusion: Planning for your pension in Ireland

The State Pension provides a fundamental retirement income, but many supplement it with occupational or private pensions for a better lifestyle. The move to the Total Contributions Approach highlights the value of a consistent social insurance record. Understanding eligibility and applying in advance is crucial for retirement.

For more detailed, up-to-date information on entitlements and calculations, you can visit the official Citizens Information website. [https://www.citizensinformation.ie/en/social-welfare/older-and-retired-people/]

Frequently Asked Questions

What is the qualifying age for the Irish state pension?

The qualifying age for both the State Pension (Contributory) and the State Pension (Non-Contributory) is 66 years old.

What is the difference between the contributory and non-contributory pension?

The Contributory pension is based on your Pay Related Social Insurance (PRSI) contributions and is not means-tested, while the Non-Contributory pension is a means-tested payment for those without sufficient PRSI contributions.

How many PRSI contributions do I need for the maximum contributory pension?

To receive the maximum personal rate for the State Pension (Contributory), you need to have made 2,080 or more PRSI contributions (equivalent to 40 years of employment), particularly under the new Total Contributions Approach.

Can I receive the state pension if I am still working?

Yes, you can still claim the State Pension (Contributory) while working or having other income, as it is not means-tested. However, if you receive the means-tested State Pension (Non-Contributory), your income from working may impact your payment rate.

How does the Total Contributions Approach (TCA) work?

The TCA calculates your pension rate based on your total number of PRSI contributions over your working life. It is being phased in from 2025, replacing the old yearly average method, with the transition expected to be complete by 2034.

What is a 'means test' for the non-contributory pension?

A means test is an assessment of your income and assets conducted by the Department of Social Protection to determine your eligibility and payment rate for the State Pension (Non-Contributory).

Can I claim the Irish state pension if I have worked abroad?

Yes, if you have worked in other EU/EEA countries or countries with a bilateral social security agreement with Ireland, your contributions can be combined with your Irish PRSI to determine eligibility.