🕊️ Financial Planning

State Pension age and PRSI contributions: how it works

The State Pension (Contributory) is paid from age 66. How your PRSI record, the Total Contributions Approach and years spent caring affect what you get — and the maximum rate for 2026.

Rainy day fund: how much do you need?

A rainy day fund of 3-6 months of expenses protects you from unexpected costs without expensive credit. How to work out your figure and how to build it.

Financial independence: how to calculate your number

Financial independence means your investment returns cover your spending. How to use the 4% rule, how much your savings rate matters, and how to account for tax.

How income tax, USC and PRSI work in Ireland

The standard and higher rate bands, tax credits, the Universal Social Charge and PRSI — an overview of how your income is taxed and what you can claim.

Pensions in Ireland: PRSA, occupational and personal

The State Pension and PRSI are the foundation. How a PRSA, an occupational pension and a personal pension work for the layer on top — and how to choose.

Jobseeker's Benefit: conditions, rates and how long it is paid

Jobseeker's Benefit gives you an income if you lose your job — but only if your PRSI record qualifies. How the payment, the duration and the means-tested alternative work.