Act Before October 31: Turn Tax Into Retirement Savings

Hi ,

In the next few days, one of the most powerful tax-saving windows of the year will quietly close.

We’re talking about Additional Voluntary Contributions (AVCs) — the overlooked strategy that lets you boost your pension and cut your tax bill at the same time.

Here’s how it works:
You make an extra one-off payment into your pension before October 31 (or November 14 if you file through ROS). Revenue treats it as if you made it last year — meaning instant tax relief on that lump sum.

For higher-rate taxpayers, that’s a 40% return on your money — guaranteed by Revenue.

Think about that:
Add €10,000 to your pension, and your real cost is just €6,000. The rest comes straight off your tax bill.

And unlike a market bet, this one always pays off.

You can see the potential impact for yourself using our Pension Pot Calculator — it projects the future value of your pension and shows how AVCs can dramatically change your retirement outcome.

But remember —
⚠️ Funds must clear before October 31 (or November 14 via ROS).
After that, this year’s tax relief opportunity is gone.

Don’t leave money on the table.
Take two minutes today to see what an AVC could do for you.

Calculate My Pension Potential →

To smarter saving,
The National Pension Helpline Team