Before you begin
What you need to check your opt-out window
Copy the date from the notice telling you that you had been enrolled. The law measures the ordinary window from that notice date.
No salary or contribution estimate is needed. Your actual participant contributions are already recorded by MyFutureFund and are the correct basis for any statutory refund.
Reading the answer
Understanding your opt-out window and refund
The ordinary window begins only after six months have elapsed from the notice date and runs until the eight-month anniversary.
An ordinary opt-out refunds the participant contributions covered by the statutory refund rule. Employer and State contributions already credited remain in the participant's fund.
Boundaries
Assumptions and limitations
Working assumptions
- Dates are compared as Irish calendar dates. No rounded month count is used.
- The checker is for the ordinary post-enrolment opt-out window, not the later windows created after contribution-rate increases.
Where to be careful
- MyFutureFund remains authoritative for the assigned opt-out date and the euro refund actually payable.
- Suspension and contribution-rate-change opt-out windows have different mechanics and are not presented as the ordinary window.
Worked example
The same question, answered end to end
A person confirms that they are currently enrolled and enters the exact date shown on their enrolment notice.
What was entered
- Current MyFutureFund membership is confirmed.
- The enrolment notice is dated 24 January 2026.
How it is worked out
The checker constructs the actual notice date rather than converting it to a whole-month count.
It calculates the six-month and eight-month anniversaries using calendar months.
It compares today's Irish calendar date with those statutory boundaries.
It does not estimate the refund from earnings: the refund basis is the participant contributions actually paid under the statutory rule.
What the tool returns
- Refund basis
- Your participant contributions actually paid
- Employer and State already credited
- Remain in your fund
Common questions
Questions about this tool
Can Verdanyx calculate my exact MyFutureFund refund from my salary?
No salary estimate is needed or appropriate. The ordinary refund is based on the participant contributions actually paid under the statutory rule. MyFutureFund holds that contribution record and determines the euro refund.
When is the ordinary MyFutureFund opt-out window?
It is defined from the date your enrolment notice was given: more than six months and not more than eight months afterwards. This checker uses the actual notice date rather than a rounded month number.
What happens to employer and State contributions already in my fund?
They remain in your MyFutureFund account. An ordinary opt-out stops future contributions but does not return already-credited employer and State amounts to them.
When would I be automatically re-enrolled after opting out?
The statutory re-enrolment cycle is measured from the actual opt-out date. It is not a countdown from your original enrolment notice.