Most personal pension policies are insurance policies. You may get tax relief on contributions to approved personal pension arrangements. This relief is more generous as you get older. Since 1 January 2011 you pay PRSI and the Universal Social Charge on your pension contributions.
| Age | Amount which qualifies for tax relief |
| Under 30 years | 15% of net relevant earnings |
| 30 to 39 years | 20% |
| 40 to 49 years | 25% |
| 50 to 54 years: | 30% |
| 55 to 59 years | 35% |
| 60 and over | 40% |
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