What My Future Fund adds to an Irish payroll, per pay run, at every phase rate to 2035
Employer cost at this phase rate
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EUR/yr
Employer cost per pay run
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EUR
Under-budget if EUR 20,000 is treated as a lower band
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EUR/yr
State top-up on the same payroll
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EUR/yr
Same payroll at the 6% end rate
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EUR/yr
Still to find against your provision
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EUR
Free above, and it stays free: all 6 figures, any headcount, no key, no limit.
Full version: exports this costing as a dated CSV row for your budget file and sets a browser alert before the 1 January 2029 step to employer 3%.
$60 once · one licence key per person or team seat · An Irish payroll bureau charges EUR 5 to EUR 12 per payslip, and a fully managed bureau service EUR 15 to EUR 25 per employee per month.
All four phase rates to 2035 Employer 1.5% for 2026 to 2028, 3% for 2029 to 2031, 4.5% for 2032 to 2034 and 6% from 2035, with the matching State top-up of 0.5%, 1%, 1.5% and 2%.
The EUR 20,000 line handled the Irish way EUR 20,000 decides who is enrolled; it is never deducted before the percentage. Contributions run from the first euro of gross pay.
The band mistake in euros Shows exactly how much you under-budget if you copy the UK qualifying-earnings method and take EUR 20,000 off each salary first.
EUR 80,000 cap on the employer side Employer and State contributions stop at EUR 80,000 of gross pay, so high earners are costed at the cap, not at their salary.
Per pay run, not just per year Splits the annual employer cost across monthly, fortnightly or weekly payroll so the figure matches the run you are about to approve.
Gap against what you provisioned Subtracts the amount already in your 2026 budget so the output is the number you still have to find.