Wealth Management & Financial Planning
Contracting pays well, but nobody hands you a pension, sick pay or a savings plan. Here are the five money mistakes we see contractors make most often, and how to fix each one.
Contracting info, Limited Company Solutions & Setup
It's one of the most common questions we hear from contractors: should I go limited company or umbrella? There's no single option that always gives the highest take-home pay. The difference comes down to how you take your income, the PRSI you pay, the business expenses you claim and your own personal tax situation. In this guide, we break down how each option works so you can choose the right fit for your contract.
Contracting info, Business Expenses for Contractors, Budget, Industry News & Updates
The end of the year always comes around quickly, and when you're busy contracting, tax planning is easy to put off. But the next few months are the best time to reduce your tax bill, stay ahead of Revenue deadlines and make sure you're not leaving money on the table before the end of 2026. Whether you work through a Personal Limited Company or an Umbrella Company, this guide covers the key year-end tax planning moves for contractors in Ireland.
Wealth Management & Financial Planning
If you're a contractor reading this and thinking “I should have started my pension years ago,” you're not alone. Most contractors spend their 20s and 30s just getting on with life, building a career, and not thinking too much about retirement. It's rarely a priority when you're young. Then a few years pass, then a few more, and the pension question starts to feel urgent rather than optional. Here's the good news: the system is actually built to let you catch up, and as a contractor operating as an umbrella director, you have tools available that most PAYE employees simply don't.
Income Tax Return
If you are a contractor or independent professional in Ireland, your 2025 income tax return is due this October. It is one of those jobs that feels bigger than it is, but with the right preparation, it is genuinely straightforward. Here is what you need to file, when it is due, the reliefs worth claiming, and the mistakes we see most often.
Budget, Industry News & Updates
Budget 2027 will be announced on 6 October 2026. For contractors, budget day is one of the few days in the year when your take-home pay can change without a single thing changing about your contract. Nothing is confirmed until announced, but the Summer Economic Statement has already fixed the size of the package and the Government has been direct about its priorities. Here is what has been signalled, and what is worth watching out for in October.
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