What are our contracting solutions?

1. The Umbrella Company PAYE solution is perfect if you’re new to contracting, on a restricted visa, applying for a mortgage, on a short-term contract, or want full Social Welfare benefits. Fast setup, minimal admin–we handle everything from invoicing to payroll taxes and expense claims. It’s a pay-as-you-go, hassle-free service. 2. The Umbrella Company Director option is for you if you’re on a short-term contract, have no visa limitations (stamp 4+), and want higher take-home pay without running your own company. You get fewer Social Welfare benefits, and the solution is not mortgage-friendly. 3. Don’t mind a little more responsibility? The Personal Service Company solution is ideal if you’re on a long-term contract, earning €400+/day, or if you're ready to grow your wealth and hire. More control, more benefits, with a bit more admin.

You can easily get started by requesting a call with one of our experts. Our Solutions Advisors will guide you through the best solution for your needs. Once you’ve chosen your solution, we handle all the paperwork, registration, and setup. You’ll get access to your myFenero to manage invoices, payments, expenses, and taxes–all online, 24/7. With everything in place, you can begin your contract confidently, while we take care of payroll and tax submissions, expense claims, and ongoing financial advice and support.

Experienced Contractor

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Level up your contracting journey

Experienced contractors know the freedom of working independently and are making contracting their career.

It’s time to boost your earnings, build wealth, and plan ahead.

Taking your contracting further

Streamlined compliance

You’ve been contracting for a while. You don’t need hand-holding, you need things handled properly. We ensure your company structure is fit for purpose, helping you optimise tax, protect your income, and plan ahead as your earnings grow.

Smarter structures

As your income grows and contracts change, small inefficiencies add up. We help ensure your setup stays streamlined, practical, and working the way it should.

Reliable support

When deadlines tighten or circumstances shift, you need responsive, informed support. We’re here when it matters, so nothing slows you down.

Your earnings after tax, simplified!

Curious how your take-home pay compares as a contractor versus a permanent employee? Our calculator gives you a quick side-by-side view, so you can see the difference in your net income.

It’s a great starting point, and if you’d like a more detailed, personalised breakdown, our Solutions Advisors are here to help.

Compare our contracting solutions

Not sure which path to take?
Compare our solutions side-by-side to find the setup that matches your goals, income, and preferred level of control.

Umbrella
PAYE

What It Means

You use our Fenero owned ready-to-go Umbrella Company.
You stay the contractor.
We handle invoices, payments, and expense claims.
Join instantly, leave anytime.
Simple & flexible.
Pay-as-you-go.

Best For You If

You're new to contracting.
You're on a short-term contract.
You have visa restrictions.
You're applying for a mortgage.

Pros & Benefits

Immediate setup.
All payroll taxes handled.
Claim business expenses.
Class A PRSI and Illness Benefit.
Full insurance cover.
Wellbeing programme.
No setup/close costs.
Fast payments.
24/7 Contractor Platform.

Cons & Restrictions

Lower take-home (11.25% employers PRSI is deducted from your invoice).
Less tax planning opportunities & control than PSC.

€95 per month

(€41 p/m after relief)

€32.50 per week

(€14 p/m after relief)

Umbrella
Director

What It Means

You use our Fenero owned ready-to-go Umbrella Company.
You stay the contractor.
Higher take home pay.
Join instantly, leave anytime.
Simple & flexible.
Pay-as-you-go.

Best For You If

You're new to contracting.
You're on a short-term contract.
Not ready to run your own company.

Pros & Benefits

Immediate setup.
All payroll taxes handled.
Claim business expenses.
Class S PRSI and no Illness Benefit.
Full insurance cover.
Wellbeing programme.
No setup/close costs.
Fast payments.
24/7 Contractor Platform.

Cons & Restrictions

Not available on a restricted visa (you need at least Stamp 4)
Not ideal if you're applying for a mortgage.
Less tax planning opportunities & control than PSC.

€130 per month

(€62 p/m after tax relief)

€37.50 per week

(€18 p/m after tax relief)

Personal Service (Limited)
Company

What It Means

You run your own company.
Fenero supports you with tax accounting, and setup.
You provide the details through our contractor portal.
We prepare and file your returns and accounts

Best For You If

You earn €400+/day.
You have a long-term contract.
You want to employ someone.
You want decision making and control.
Want to build wealth.

Pros & Benefits

Maximise your take-home pay.
Have more control.
Set your own salary.
Build savings in your company.
Invest or buy assets, e.g.: a car.
Enjoy more tax planning & wealth management opportunities.
Claim more expenses.

Cons & Restrictions

For long-term contractors earning over €400/day.
Not ideal if you're on a short contract.
Setup takes longer.
More fees and admin than Umbrella.
More control and us to guide you.

€179 per month

€2,148 paid over 12 months

Incorporation fee
Personal tax fees
Strike off fees

Why experienced contractors choose Fenero:

Contracting tax and accounting specialists

20,000 + contractors helped over 16+ years

Tax and financial planning support

Dedicated Account Manager

Employee Wellbeing Assistance Programme

24/7 Access to our bespoke online platforms

Highest professional indemnity coverage

Premium, award-winning service

Our money-back service level guarantee

To give you peace of mind, we guarantee same-day payment processing.
If we don’t process your funds on the same business day we receive them, we’ll waive your Fenero fee for that period.

( While we guarantee same-day processing by Fenero, the timing of funds arriving in a contractor’s bank account is subject to external banking systems and may vary. )

FAQs

If you work independently for a company or client on a temporary basis, you are not an employee but a self-employed professional. As a contractor, you have more flexibility and higher earning potential. But you are also responsible for registering with Revenue, your own tax returns, VAT (if applicable), and claiming business expenses. Fenero can help you stay compliant and maximise your income.

Knowledge Hub

From advice on claiming tax relief to a breakdown of what the Budget means for you, we have some great resources to help you navigate the often-complex contracting landscape.

Tax tips

Don’t have enough money to pay your income tax bill?

Worried about your income tax bill? Discover simple steps to manage payments, avoid extra charges, and take control of your situation.

April 9, 2025

Tax tipsReliefs and expenses

Claiming tax-free expenses: 10 common mistakes

Claiming tax-free expenses? Avoid 10 common mistakes that could cost you money or lead to penalties. Learn how to claim correctly and stay compliant.

April 4, 2024

ContractingTax tips

Is it okay to borrow money from your limited company?

Can you borrow money from your limited company? Discover the rules, tax risks, and key considerations before taking a director’s loan.

April 4, 2024

Have any questions?

Fill in your details and one of our Solutions Advisors will call you back.

Experienced Contractor

Level up your contracting journey