MYFUTUREFUND EMPLOYER FILE

ONE MISSED FIFTH DAY, ONE FIXED PENALTY NOTICE

Every payday has a fifth day.

The letter

Picture a Tuesday morning in March. A fixed payment notice from NAERSA is on the desk: a contribution from January reached them late, EUR 250 is due, and the missed money is demanded on top. You open the portal. It shows what NAERSA received. You open the payroll. It shows what you deducted. Neither one shows your proof: which AEPN you applied for which employee, the day you told each of them they were enrolled, or the receipt for that January payment checked against its deadline. Three systems hold pieces of your January. None of them is yours, and the notice is due now.

The Employer File is the record that is yours. One file, kept beside your payroll, that answers the March question in ten seconds.

Every AEPN acted on, every employee notified, every MyFutureFund payment receipt-checked by its fifth-day deadline, in one employer file.

Count the fifth day

Every payday runs the same count. Payday is a Friday, the 2nd of January. The money has to be with NAERSA by midnight on the fifth working day: Monday the 5th is one, Tuesday the 6th is two, Wednesday the 7th is three, Thursday the 8th is four, Friday the 9th is five. The tracker works the count out for every payday, on every employee, and checks the receipt against it, so the deadline is never a guess and never a surprise in March.

PaydayFri 2 Jan

1Mon 5

2Tue 6

3Wed 7

4Thu 8

5Fri 9 JanDeadline midnight

Receipt checked and filed

What the file holds

AEPN register: every employee and every direction from NAERSA, one line each, so who was enrolled under what is never a memory test.
Notification log, with dates: the proof of the day each employee was told, kept while it still matters.
Payment tracker: every payday's fifth working day worked out for you, each payment checked against its own deadline the day the receipt lands.
Opt-out windows for months 7 and 8, flagged before they open, not after they close.
Exemption evidence page: your existing-pension exemption, its basis and its dates, on one page when NAERSA asks.

A checklist tells you what to do once. This file is the record you keep every payday.

The stakes, in the scheme's own numbers

Since 1 January 2026 the duty has applied to about 115,000 employers and over 835,000 employees (Department of Social Protection, October 2026). Fixed payment notices run from EUR 250 to EUR 5,000 depending on what is unpaid, and interest on late money runs at 0.0274 percent a day. The rules are free to read in the official handbook. What the handbook cannot do is keep your proof for you. That part is yours, or it is nobody's.

EUR 39, one payment. No monthly fee.

Not on sale yet. We are finishing the file now and opening a first release list. Register your interest and we will email you when it is ready.

Every payday has a fifth day. Keep the proof for all of them.

An independent record-keeping aid. Not affiliated with NAERSA or the Department of Social Protection. Not pension, tax, or legal advice.