About Ledgerline
Ledgerline shares general pension information for people working independently in Ireland, including contractors, freelancers 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-based tax-relief limits, questions to raise with providers and key dates in accessible language.
About the publisher
Ledgerline is an independently published source of general information.
How information is reviewed
Our guides draw on primary sources and are reviewed after each Budget. We intend to arrange an independent review by a qualified financial adviser and will share details if that takes place.
Keeping our guides up to date
- We compare figures such as relief limits, earnings thresholds, age bands and deadlines with primary material 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.
- Our calculators provide indicative results from published guidance and are not a substitute for advice tailored to your circumstances.
- If you think something may be wrong, email us at [email protected]. We correct mistakes promptly and note significant changes on the page.
The scope and limits of this website
Ledgerline publishes general information. We are not a financial adviser, broker or pension provider, and we are not authorised by the Central Bank of Ireland to give financial advice. Nothing on this site is a recommendation to buy a particular product. For advice on your circumstances, speak to an adviser authorised by the Central Bank of Ireland.
Funding
This website may be supported by advertising. Any paid placements are distinguished from editorial content.
Advertisers and commercial partners do not direct our editorial material.