You might already be in it
Since 1 January 2026, employees aged 23 to 60 who earn €20,000 or more and have no pension through payroll are enrolled in MyFutureFund automatically. Look for it on your payslip.
Lullagram · lullagram.ie/moneyFive cards, one minute. Swipe or tap the arrows.
Three people pay in
For every €3 you put in, your employer adds €3 and the State adds €1. So €3 of your pay becomes €7 in your pension pot.
Lullagram · lullagram.ie/moneyIt starts small
In the first three years you pay 1.5% of your salary and your employer matches it. It rises in steps to 6% each by year 10. Employer and State top-ups stop at a salary of €80,000.
Lullagram · lullagram.ie/moneyLeaving is a choice with a window
You must stay in for 6 months. You can then opt out in months 7 and 8 and get your own payments back, or pause later. If you leave, you're re-enrolled after 2 years if you're still eligible.
Lullagram · lullagram.ie/moneyBefore you opt out
Look at what you'd give up: your employer's matching payments and the State's top-up. You can see your fund on the MyFutureFund portal with your MyGovID.
Lullagram · lullagram.ie/money1 of 5
Your family's money dates, in Lullagram.
Free reminders before every payment and deadline, from pregnancy to your child's 2nd birthday, plus your pregnancy and baby tracker in one app. Made in Ireland.
Sources, checked 27 October 2026: Citizens Information. General information, not financial advice; it doesn't know your circumstances. Lullagram Limited isn't authorised by the Central Bank of Ireland to give financial advice, so for a decision about your own money, talk to a regulated adviser.