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Budget 2027 Ireland: The €50,000 Tax-Free Investment Account
October 7, 2026
How much is the State Pension in Ireland after Budget 2027?
The maximum State Pension (Contributory) in Ireland rises by €10 a week to €309.30, which is about €16,084 a year. The Budget 2027 documents show the new rate applying for the 2027 year.
Budget 2027 in Ireland came with the usual noise about tax bands and credits. If you are within 5 to 10 years of retiring, or already retired, those are rarely the lines that matter. In this Budget special, Paddy Delaney goes through what actually changed for Irish pensions, investments and retirement income.
• The new Investment Account in Ireland: €12,000 a year, the first €50,000 tax-free, 1% a year above that, from 1 July 2027
• Exit tax down from 38% to 35%, capital gains tax down to 31%, and why deemed disposal is still with us
• What the Budget did and did not touch on pensions, including new valuation factors for defined benefit schemes under the Standard Fund Threshold
• Fergal, 67: €1,000 a month for 8 years, and the difference between €15,400 of exit tax and roughly €2,000 of account charges
If the Budget has you wondering where you actually stand, this episode is for you.
🎓 Free webinar, Friday 9 October, 12:00, with Alan Purcell: https://www.informeddecisions.ie/webinar?utm_source=podcast&utm_content=budget-2027-ireland
🎙️ Full podcast episode and 📖 Blog: www.informeddecisions.ie/post/budget-2027-ireland-pensions-investing
📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard: www.informeddecisions.ie/pension-calculator
📅 Find out how we work: https://www.informeddecisions.ie/our-process
Did Budget 2027 change pension tax relief or tax-free lump sums in Ireland?
No. Budget 2027 in Ireland announced no changes to pension tax relief, lump sums, PRSAs or ARFs. The one pension measure revises the valuation factors for defined benefit pensions under the Standard Fund Threshold from 1 January 2027, with figures to follow in the Finance Bill.
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The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you.
The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share
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