Irish Financial Calculators 2026
Irish financial calculators built on the 2026 figures from Revenue, gov.ie and the Central Bank. Check your payslip, see how much you can borrow, and price up stamp duty, Help to Buy and Local Property Tax before you go sale agreed.
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Take home pay calculator
Salary after income tax, USC and PRSI for 2026. Weekly, fortnightly, monthly or yearly, for single people, couples and single parents.
Open calculator →Mortgage calculator
Monthly repayments and how much you can borrow under the Central Bank limits: 4 times income for first-time buyers, 3.5 for movers.
Open calculator →Stamp duty calculator
Residential stamp duty at 1%, 2% and 6%, charged on the VAT-exclusive price for new homes.
Open calculator →Help to Buy calculator
Your HTB refund on a new home up to €500,000: the lesser of €30,000, 10% of the price or four years of income tax and DIRT.
Open calculator →LPT calculator
Local Property Tax for 2026 to 2030 from your 1 November 2025 valuation, with your council's local adjustment.
Open calculator →VAT calculator
Add or remove VAT at 23%, 13.5%, 9%, 4.8% or 0%, including the 9% rate on restaurant food from 1 July 2026.
Open calculator →| Item | 2026 figure |
|---|---|
| Standard rate cut-off point, single | €44,000 |
| Standard rate cut-off point, married, one income | €53,000 |
| Single Person and Employee Tax Credits | €2,000 each |
| USC bands | 0.5% to €12,012, 2% to €28,700, 3% to €70,044, 8% above |
| PRSI Class A employee rate | 4.2% to 30 September 2026, 4.35% from 1 October 2026 |
| Take-home pay on €50,000, single | €39,592 a year, €3,299 a month |
| Mortgage limits | 4x income (first-time), 3.5x (movers), 10% deposit |
| Stamp duty on homes | 1% to €1m, 2% to €1.5m, 6% above |
| Help to Buy maximum | €30,000, homes up to €500,000 |
| Standard VAT rate | 23% |
Irish money glossary
Fifteen terms you meet on a payslip or when buying a home, explained with 2026 figures: the standard rate cut-off point, USC, PRSI, emergency tax, approval in principle, drawdown, stamp duty and more.
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