About Ledgerline
Ledgerline provides an independent pension guide for self-employed people in Ireland, including sole traders, contractors and freelancers.
Our purpose
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.
Our guides explain PRSAs, age-related tax relief, questions to ask pension providers and important deadlines in clear language.
About the publisher
Ledgerline is run by an independent publisher.
How we check our facts
We prepare guides using primary sources and review them after each Budget. We are working toward having our guides independently reviewed by a qualified financial adviser and will publish details once arranged.
How our guides are prepared and reviewed
- Every figure (tax relief limits, earnings caps, ages, deadlines) is checked against primary sources: Revenue, the Department of Social Protection, gov.ie and the Pensions Authority.
- Each guide includes its latest review date. We revisit the material after each Budget and when relevant rules change.
- Our calculators provide estimates based on published rules and are not a substitute for advice tailored to your circumstances.
- If you notice a possible error, please contact us at [email protected]. We correct mistakes promptly and note significant changes on the page.
Our limitations
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
The site is supported by advertising. Advertisements are kept separate from editorial guides.
Advertisers and partners do not control our editorial content.