Auto-Enrolment Start Date Pushed to 2026
The Government has officially announced a delay to the long-anticipated automatic pension enrolment scheme, My Future Fund, shifting the start date for contributions from 30 September 2025 to 1 January 2026. The scheme, which aims to help over 800,000 workers without an occupational pension begin saving for retirement, is one of the most significant pension reforms in recent Irish history.
Rationale for the Delay
Minister for Social Protection Dara Calleary cited the alignment with the standard tax year as a primary reason for the postponement. Additionally, he emphasised the need to give payroll providers and small businesses more time to adapt their systems and ensure compliance from day one. The deferral, he said, will help ensure a smoother rollout and bring “all stakeholders along with us” as part of the national implementation.
The scheme will apply to employees aged 23–60 earning over €20,000 annually and not already part of a pension scheme. Contributions will begin at 1.5% from both employer and employee, rising gradually to 6% over 10 years. The State will also contribute €1 for every €3 saved by employees.
Criticism from Workers’ Representatives
While the government frames the delay as practical, the Irish Congress of Trade Unions (ICTU) has criticised the move, arguing it comes amidst a broader trend of backpedalling on worker protections. ICTU referenced the halving of statutory sick pay promises, delays to the living wage, and an indefinite deferral of changes to youth wage structures.
“Delaying bringing an end to our failed voluntary approach to occupational pensions will be a bitter pill to swallow for the 811,000 workers without a workplace pension,” an ICTU spokesperson said.
The Importance of Planning and Process
Despite the criticism, the delay also reflects the critical need for proper implementation processes. Pension reform of this scale touches employers, payroll providers, state infrastructure, and individual workers. A poorly executed launch could undermine trust in the system. While the delay is frustrating for some, it underscores the importance of readiness, communication, and phased planning to ensure long-term success.
As the new 1 January 2026 date approaches, employers—particularly SMEs—should begin preparing now to ensure a smooth and compliant transition.