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Ireland Financial Calculators

Accurate, up-to-date tools for Irish taxpayers, home buyers, investors, and pension savers. Built for Irish Revenue tax bands and Central Bank borrowing rules.

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Ireland Tax & PAYE Calculator

Calculate Income Tax, USC bands, Class A PRSI, and Tax Credits (Personal, Employee, Rent) to find your monthly take-home pay.

Calculate Take-Home Pay ➔
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Ireland Mortgage & Borrowing Limits

Check Central Bank 4x LTI loan caps for First-Time Buyers, Help to Buy (HTB) equity, minimum deposits, and monthly repayments.

Calculate Mortgage Limits ➔
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Ireland Stamp Duty Calculator

Calculate 1%, 2%, and 6% residential Stamp Duty tiers, commercial 7.5% rates, and legal conveyancing costs for property purchases.

Calculate Stamp Duty ➔
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Ireland CGT & Deemed Disposal

Calculate 33% Capital Gains Tax with the €1,270 exemption and track the 41% ETF 8-year Deemed Disposal exit tax liability.

Calculate CGT & ETF Tax ➔
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Ireland Pension Relief & PRSA

Calculate 20% & 40% marginal rate tax relief on personal pension and PRSA contributions up to age-related earnings limits.

Calculate Pension Relief ➔

Understanding Personal Finance & Taxation in Ireland

Managing personal finances in Ireland requires navigating a unique regulatory and tax framework overseen by Irish Revenue and the Central Bank of Ireland.

1. Irish Income Tax (PAYE, USC & PRSI)

Employees in Ireland pay three distinct levies on earned income:

  • Income Tax (PAYE): Charged at 20% up to the standard rate threshold (€42,000 for single individuals) and 40% on earnings above.
  • Universal Social Charge (USC): Progressive levy ranging from 0.5% on initial income up to 8% on income exceeding €70,044.
  • Pay Related Social Insurance (PRSI): Standard Class A employee rate is 4% on earnings over €352 per week.

2. Central Bank Mortgage Regulations

To promote stability in the housing market, the Central Bank enforces strict Loan-to-Income (LTI) and Loan-to-Value (LTV) limits:

  • First-Time Buyers (FTB): Can borrow up to 4.0 times gross annual income with a 10% minimum deposit.
  • Second & Subsequent Buyers: Can borrow up to 3.5 times gross annual income.
  • Help to Buy (HTB) Scheme: Provides tax rebates up to €30,000 or 10% of property purchase price for new build homes.