Expert Contractor and Director Supports

Financial Planning & Tax Strategy for Irish Directors and Contractors

Maximize your take-home pay and build a private safety net. We provide Limited Company Directors and Umbrella Contractors with tax-efficient wealth structures to transform company money into personal wealth.

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Specific advice for Contractors and Directors

Strategic wealth management for Limited Company Directors and Proprietary Directors.

💰 Wealth Extraction

Moving corporate surplus into personal wealth efficiently.

PRSA Funding: Employer contributions allowed up to 100% of your annual salary.
Executive Master Trusts: Modern pension structures built for full IORP II compliance.
Corporation Tax Relief: Employer pension contributions are a deductible business expense.
Post-Tax Efficiency: Balancing salary and dividends for optimal personal outcomes.

🛡️ Director Protection

Securing your standard of living and your family's future.

Executive Income Protection: Secure company-funded salary replacement if you cannot work.
Life Insurance: To replace Death in Service—insure more than 4x salary if you wish.
No BIK for Directors: Correctly structured protection avoids Benefit-In-Kind personal tax.
Keyperson Insurance: Ensuring business continuity in the event of a director's illness.

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Irish Pension Tax Relief

Pension Tax Savings for Company Directors & Contractors

For Limited Company Directors and self-employed professionals in Ireland, a Pension (PRSA or Master Trust) is a premier tool for wealth extraction. By utilizing a pension, you can significantly reduce your Revenue tax liability while moving company profits into a personal, tax-free wealth.

Our 2026 calculator estimates the Net Cost of your contribution by applying tax relief at your marginal rate. Discover how to maximize your take-home pay by converting your day rate into long-term, tax-efficient wealth.

PRSA Tax Relief Calculator for Irish Contractors

Total Estimated Savings

€0

Income Tax Saved (Marginal Rate): €0

USC & PRSI Employee Savings: €0

Corporation Tax Saved (12.5%): €0

Disclaimer: This 2026 Irish Contractor Tax Calculator is for illustrative purposes. For personalized advice on Section 787 business relief, contact Financial Health.

Contractor Wealth: Common Questions

Can my Limited Company pay for my Life Insurance?

Yes. Through a Relevant Life Policy, your company can pay the premiums and claim them as a business expense. Crucially, this is typically not treated as a Benefit-in-Kind (BIK) for you, meaning you save on the personal income tax you would have paid to cover the policy privately.

How much can I contribute to my PRSA as a Director?

Under current 2026 rules, your company can make significant contributions to your PRSA with no BIK for the employee and full Corporation Tax relief for the business. This is one of the most efficient ways to extract wealth from your company without hitting the 52% marginal tax rate.

What happens to my pension if I move back to PAYE?

Your pension assets are yours. If you cease contracting, your PRSA or Master Trust can be made paid-up or transferred into a Personal Retirement Bond (PRB). We ensure your wealth remains portable and optimized, regardless of how your employment status changes.

Can I access my pension early if I stop contracting?

In many cases, as a Director, you can access your pension from age 50 onwards if you have severed ties with the company. This is a complex area involving Revenue's "Leaving Service" rules, and we provide the forensic planning required to execute this correctly.

Have a different question?

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Note: Tax treatments depend on individual circumstances and may change. Company contributions are subject to Revenue's "Reasonable Remuneration" guidelines. This does not constitute financial advice.