About Ledgerline
Ledgerline provides general information on pensions for self-employed people in Ireland, including freelancers, contractors and sole traders.
The purpose of 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.
Our guides cover PRSAs, age-related tax relief limits, topics to discuss with providers and important dates in clear language.
About the publisher
Ledgerline is an independently published information resource.
How we check information
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 maintained
- 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.
- Every guide displays a review date. We aim to revisit the content after each Budget and when relevant regulations are updated.
- Our calculators offer estimates based on published guidance; they cannot replace advice based on your personal circumstances.
- If you think something may be wrong, email us at [email protected]. We correct mistakes promptly and note significant changes on the page.
What this site can and cannot do
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
Advertising helps support this website. Paid placements are kept distinct from our editorial information.
Our editorial material is not directed by advertisers or commercial partners.