Important note in relation to contributions.

• Where applicable the income Tax Rate applied is 20%. Please select the 40% rate if this applies to you.



1. Contributions

• Where we hold a verified contribution rate for you any contribution amounts displayed for employee, employer and additional voluntary contribution on this page are based on your current contribution rate and the latest salary held by Unio. If the latest salary held by us is not your current salary the amounts displayed may differ from your actual pension contributions on your payslip.
  
  Where we don't hold a verified contribution rate for you, contribution amounts and rates displayed on this page are based on your last contribution to the plan.

Please read this section carefully if you are contributing to any other pension plans.

Information displayed in the above tax tool is in respect of the only.

Where you are also paying pension contributions into other plan(s), contributions into the other plan(s) are not taken into account in any of the figures presented on this page.

Before taking any action based on the information presented on this page you must take all of your pension contributions into account and ensure that your total contributions across all plans do not exceed the revenue age based tax relief limit (see details below).



2. Maximum earnings limit

• Where applicable our online tools assume the maximum earnings limit for tax relief on pension contributions is and that the Standard Fund Threshold is not exceeded. If your salary is over , the maximum salary on which you may be eligible to claim tax relief is per annum and at the tax relief rate applicable to your age.(see age related table below).
  
  You are limited to a maximum of by tax relief rate applicable to your age. For example if you are aged 35 and earning over , the maximum personal pension contribution allowed per income tax year upon which tax relief can be claimed is limited to x 20% = €23,000.
  
  The figure of is the aggregate of income across all employments. You can only claim tax relief in respect of contributions you make to a pension scheme of your employer. If you have more than one employment and your combined income is greater than per annum, then the income that qualifies for tax relief for pension contributions will be capped at
  
  This only reflects Income Tax Relief, it does not cover Personal Tax Credits, PRSI or USC*.



3. Age-Related Tax Relief

• The Revenue Commissioners have established limits which apply to the contributions for which you can claim tax relief. A maximum earnings limit also applies. The table below displays the percentage of your income that you can receive tax relief on when contributing to a retirement fund. The maximum contribution levels for tax relief relate to the total employee contributions to any occupational pension schemes.



Age	Maximum annual contribution as % of gross salary
Under 30	15%
30-39	20%
40-49	25%
50-54	30%
55-59	35%
60 and over	40%



• On how your contributions are affected by these limits please consult your financial adviser for further details.
• This tax tool is for information purposes only.
• Information provided on this page should not be construed as financial or tax advice.
• We recommend getting financial and tax advice before making any decisions based on information presented on this page

*Pension contributions do not qualify for relief from Universal Social Charge (USC) or Pay Related Social Insurance (PRSI)