Tax rates and guides
The current Ireland tax rates, and plain-English explanations of what comes out of your pay.
30 guides, checked against official sources
- Income tax Budget 2027: what it means for your pay What Budget 2027 changes for workers in Ireland from January 2027, in plain English, and how much more you'll take home on €40,000 or €75,000. Read the guide
- Income tax Rent tax credit: up to €1,000 back How Ireland's rent tax credit works, who can claim, how much you get for 2022 to 2028, and how to claim it in myAccount before the 2022 deadline. Read the guide
- Income tax Tax credits and emergency tax explained (2026) How tax credits work in Ireland in 2026 and 2027, why a new job can put you on emergency tax, and how to get the extra tax back, in plain English. Read the guide
- Buying a home Help to Buy explained (now €35,000) How Ireland's Help to Buy scheme works for first-time buyers of new homes, who qualifies, how much you can get from 7 October 2026, and how to apply. Read the guide
- Retirement & saving Auto-enrolment explained: My Future Fund (2026) How Ireland's auto-enrolment pension works, who's included, what you, your employer and the State pay in, how the rates rise, and what it costs you. Read the guide
- Pay & benefits USC explained: the Universal Social Charge in plain English What the Universal Social Charge is, how much USC you pay in 2026 and 2027, who pays less or none, and examples for €30,000, €50,000 and €100,000. Read the guide
- Pay & benefits PRSI explained: what it is and how much you pay What PRSI is, how much employees in Ireland pay in 2026 (4.2%, then 4.35% from October), when you pay none, and what it gets you. Read the guide
- Loans & credit How to build a credit history in Ireland Ireland has no credit score. How to build a good record on the Central Credit Register: which loans count, how long records stay and how to check it free. Read the guide
- Money basics Irish banking basics: current accounts, savings and DIRT How current and savings accounts work in Ireland, what to look for, how the Deposit Guarantee Scheme protects your money, and how DIRT on interest works. Read the guide
- Pay & benefits Social welfare payments and tax credits you might be missing Child Benefit, the Working Family Payment, tax credits and more: the Irish payments working people and families can get, and how to check what you qualify for. Read the guide
- Loans & credit Buy now, pay later in Ireland: costs, credit and the rules How buy now, pay later works in Ireland, what a missed payment costs, how it shows when you apply for a loan or mortgage, and the rules that protect you. Read the guide
- Investing Irish capital gains tax: the 33% rate and €1,270 exemption How capital gains tax works in Ireland: the 33% rate, the €1,270 exemption, working out the gain, when to pay, losses, crypto, and why funds pay exit tax. Read the guide
- Loans & credit Credit scores in Ireland and the Central Credit Register Ireland has no single credit score. How the Central Credit Register works, what lenders look at instead and how to keep a good credit history. Read the guide
- Loans & credit Help with debt in Ireland: free advice and formal options Where to get free, confidential help with debt in Ireland, how to talk to lenders, the arrears rules they must follow, and the formal debt solutions. Read the guide
- Money basics Emergency fund in Ireland: how much and where to keep it Why an emergency fund comes first, how to work out yours, where to keep it in Ireland (demand account, credit union or State Savings) and how to build it. Read the guide
- Buying a home First-time buyer guide: deposit, Help to Buy and mortgage Buying your first home in Ireland: the 10% deposit, Help to Buy, the First Home Scheme, what you can borrow, the Local Authority Home Loan and stamp duty. Read the guide
- Retirement & saving How much should I save into a pension? How much to save into a pension in Ireland, why starting early matters most, a simple target, and how tax relief and auto-enrolment help. Read the guide
- Money basics How to make a budget in Ireland (the 50/30/20 rule) A simple way to budget in Ireland: start from your pay after tax, USC and PRSI, plan for yearly bills, use the 50/30/20 rule for the rest, and automate it. Read the guide
- Loans & credit How to pay off debt in Ireland: avalanche or snowball? How to pay off several debts in Ireland: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. Read the guide
- Money basics How to spot and report money scams in Ireland The warning signs almost every scam shares, common scams in Ireland, how to check a firm with the Central Bank, and what to do if it happens to you. Read the guide
- Investing Index funds vs picking stocks in Ireland: why go passive Why most fund managers fail to beat an index fund, what fees cost you, and how Irish exit tax and capital gains tax change the choice of ETFs or shares. Read the guide
- Money basics Inflation and interest rates in Ireland, explained What inflation is, why the European Central Bank raises and cuts rates, and what it means for your savings, debts and mortgage in Ireland. Read the guide
- Money basics Insurance basics in Ireland: what you need and what to skip Which insurance matters most in Ireland: income protection, health insurance and Lifetime Community Rating, life and mortgage protection, and what to skip. Read the guide
- Investing Investing basics in Ireland: pensions, funds and tax What investing is, how shares, bonds and funds work, why your pension usually comes first in Ireland, and how Irish tax treats ETFs and shares differently. Read the guide
- Buying a home The Central Bank mortgage rules explained How much you can borrow in Ireland under the Central Bank's mortgage rules: the 4 times income limit, the 10% deposit, exceptions and help with the deposit. Read the guide
- Money myths Myth: a pay rise into the higher rate cuts your pay The higher rate only applies to income above your cut-off point. Why a pay rise doesn’t cut your take-home pay in Ireland, and the real exceptions. Read the guide
- Money myths Myth: renting is dead money (Ireland) Owners pay a lot they never get back too: mortgage interest, Local Property Tax and repairs. How to compare renting and buying fairly in Ireland. Read the guide
- Income tax Side income tax in Ireland: the €5,000 rule, VAT and Form 11 How side income is taxed in Ireland: declaring under €5,000 in myAccount, Form 11 above it, preliminary tax, PRSI Class S, VAT thresholds and expenses. Read the guide
- Pay & benefits Social welfare payment dates 2027: Child Benefit, Christmas Bonus and Fuel Allowance Child Benefit payment dates for 2027, when the Christmas Bonus is paid, the Fuel Allowance season, and what happens to payments over bank holidays. Read the guide
- Investing Where to invest in Ireland: pension, funds or shares? How investing is taxed in Ireland: pension tax relief, exit tax and deemed disposal on ETFs and funds, and capital gains tax on shares, with the 2026 rates. Read the guide
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