A step-by-step guide to long-term personal finance planning, built around Ireland's tax system, pension rules, and investment landscape.
Last reviewed: 2 April 2026
Not financial advice — we help structure your thinking. Always consult a qualified advisor before making decisions.
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Step-by-step priorities in the right order — emergency funds to investing.
Advice adapts to your tax bracket, age, employment type and stage.
No account, no email. Your plan lives at a URL only you know.
See how others across Ireland are progressing — all anonymous.
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Anonymous, aggregated data from all users. No personal information is ever stored.
Last updated: April 2025
Personal Finance Guide is committed to protecting your privacy. We have designed this service to collect as little data as possible. This policy explains what is collected and how it is used.
We do not collect your name, email address, phone number, financial details, or any information that could identify you personally. No account or login is required.
When you start a plan, a random 6-character ID is generated in your browser. This ID and your answers are stored in your browser's local storage — on your device only. We do not transmit or store this on our servers. The ID contains no personal information.
When you answer questions, anonymous aggregated counts are stored (e.g. "47 people selected standard rate"). This data cannot be traced back to any individual. No IP address, device ID, or session information is stored alongside these counts.
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Questions about this policy: contact@my-personalfinance.com
Last updated: April 2025
Personal Finance Guide is an informational and planning tool only. Nothing on this website constitutes financial, investment, tax, or legal advice. The content is general in nature and may not be suitable for your individual circumstances. Always consult a qualified financial advisor before making any financial decisions.
We make every effort to keep information accurate and up to date. However, Irish tax laws and financial regulations change frequently. We cannot guarantee all information is current. Always verify with official sources such as Revenue.ie and citizensinformation.ie.
To the fullest extent permitted by law, Personal Finance Guide and its authors accept no liability for any loss or damage arising from your use of this website or reliance on any information provided. Use of this site is entirely at your own risk.
Comparative statistics shown are based on anonymous aggregated responses. They are provided for general interest only and should not be used as a basis for financial decisions.
Links to external websites are for reference only. We do not endorse or take responsibility for external content. Links to financial products are not recommendations.
These terms are governed by the laws of Ireland. Any disputes shall be subject to the exclusive jurisdiction of the Irish courts.