About this project
Ledgerline publishes general information about Irish pensions for people working independently, including freelancers, contractors and sole traders.
Why we created this website
When My Future Fund launched in January 2026, it brought most employees into a workplace pension automatically. The self-employed were left out: no employer, no auto-enrolment, no state top-up. Saving for retirement is still possible and often tax-efficient, but you have to set it up yourself, and the rules are not easy to find in plain English.
We explain PRSAs, age-related tax-relief limits, questions to raise with providers and key dates in straightforward language.
Who is behind Ledgerline
Ledgerline is an independent information project.
Our approach to checking information
Our guides draw on primary sources, and we aim to revisit them after each Budget. If a qualified financial adviser independently reviews a guide, we will identify that review here.
How we keep guides current
- We compare figures such as relief limits, income thresholds, age ranges and deadlines with information from Revenue, the Department of Social Protection, gov.ie and the Pensions Authority.
- Each guide shows when it was reviewed. We aim to check the material after each Budget and whenever relevant rules change.
- Calculator outputs are indicative estimates based on published guidance; they are not a substitute for advice tailored to your situation.
- If you spot a possible error, please email us at [email protected]. We correct mistakes promptly and note significant changes on the page.
What you can expect from this website
Ledgerline provides general educational material only. We are not a financial adviser, broker or pension provider, and we are not authorised by the Central Bank of Ireland to provide financial advice. Nothing on this website recommends purchasing a particularcular product. For advice on your circumstances, speak to an adviser authorised by the Central Bank of Ireland.
How this website is supported
This website may be supported by advertising. Any sponsored content or placements are labelled separately from editorial information.
Advertising partners do not direct or approve our editorial content.