About Ledgerline
Ledgerline is an independent guide to pensions for people who work for themselves in Ireland: sole traders, contractors and freelancers.
Why we exist
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 write the guides we wish we'd had: what a PRSA is, how tax relief works at each age, what to ask a provider, and the deadlines that matter.
Who we are
Ledgerline is run by an independent publisher.
How we check our facts
Every guide is written from primary sources and re-checked after each Budget. We are working towards independent review of our guides by a qualified financial adviser, and will name them here when that is in place.
How we write and check our guides
- 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 shows the date it was last reviewed. We re-check guides after every Budget and whenever the rules change.
- Calculators give estimates based on published rules. They don't replace advice for your own situation.
- If you spot an error, tell us at [email protected]. We correct mistakes promptly and note significant changes on the page.
What we are not
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.
How we are funded
Ledgerline is funded by advertising shown on the site. Ads are clearly separated from our guides.
Advertisers and partners have no say over what we write.