A web-based calculator that takes user inputs (income, age, current pensions, employer contribution details, job stability) and generates side-by-side financial projections for both scenarios. The tool visualizes lifetime value, tax savings, take-home pay changes, and provides a clear data-driven recommendation with sensitivity analysis for variables like job changes or salary increases.

Ireland's Auto-Enrolment Retirement Savings System launches in 2024, creating urgent decision-making needs for millions of workers who've never had pension access before. The scheme's unique structure (state top-ups, mandatory employer contributions, opt-out periods) requires specialized calculation tools that don't yet exist in the market.