01 PAYE · USC · PRSI, 2026
Income tax
Take-home pay a year€3,744 a month · 25.1% effective rate
75%kept
- Net €45k
- Tax €11k
- USC €1,333
- PRSI €2,543
Finance learning · Ireland
See what Budget 2027 means for your pay.
7 Irish tax calculators built on Revenue’s published rates, the Central Bank’s mortgage rules, and plain-English guides.
- Budget 2027 changes included, subject to the Finance Bill
- Tax calculators
- 7
- Standard cut-off, 2026
- €44,000
- Languages
- 7
Full calc
03 12.5% trading · 25% passive
Corporation tax
Corporation tax dueRetained €380,000 · 13.6% effective rate
- Retained 86.4%
- Trading tax €50k
- Passive tax €10k
04 35% credit, paid over three years
R&D credit
R&D tax creditYear 1 payment €87,500 · 30% for earlier periods
08 Repayment and interest
Mortgage
Monthly repaymentTotal interest €221,854
Drag, swipe or use the arrows
60-second finder
Not sure where to start? Let’s route you.
A little about us
A place to learn how Irish tax and money work.
Irish Fintax is a learning platform. We explain Irish tax and personal finance in plain English, and give you calculators to try your own numbers, so you understand what is going on before you decide anything.
More about usNo sales pitches, no tracking cookies. Independent tax and finance education for individuals, landlords and founders across Ireland.
- 01
Public interest
For everyone
Every calculator, guide and template is open to everyone.
- 02
Plain English
Jargon-free
The rules explained the way you’d explain them to a friend, without the confusing jargon.
- 03
Built on public sources
Checked against Revenue
The calculators use Revenue’s published rates and link to where each figure comes from.
- 04
Information, not advice
Clear about limits
We help you understand. For a decision that hinges on your situation, see a regulated adviser.
Revenue’s published deadlines
Irish Tax Calendar 2026 / 2027
Key filing and payment deadlines for individuals, self-employed contractors, landlords and limited companies.
Next deadline
· Form 11 on ROS
- Revenue notice
ROS extension · Self-employed & landlords
Form 11 on ROS
The later date when you both file your 2025 Form 11 and pay through ROS. It also covers CAT returns for gifts and inheritances valued in the year to 31 August.
- Preliminary CT rules
Limited companies
Preliminary corporation tax
For a 31 December year end: a small company’s only payment, or a large company’s second instalment.
- CGT payment dates
Anyone who sold an asset
Capital gains tax
Pay CGT on gains made from 1 January to 30 November 2026.
- CGT payment dates
Anyone who sold an asset
Capital gains tax
Pay CGT on gains made in December 2026.
Everything in one place
Whatever you’re dealing with, there’s a tool and a guide.
Every calculator is built on Revenue’s published rates, the Budget 2027 announcements and the Central Bank’s mortgage rules.
- 01
Tax calculator hub
Personal tax (PAYE, USC, PRSI), VAT, corporation tax, CGT and inheritance tax.
- Income tax
- VAT
- Corporation tax
- CGT
- CAT
- 02
Investing & ETFs
Compare ways to save and invest after Irish tax, from exit tax to deemed disposal.
- ETF exit tax
- Deemed disposal
- 03
Property & mortgages
The Central Bank 4x borrowing rule, lender rates, green mortgages and cashback.
- Mortgage calculator
- Lender rates
- Green mortgages
- 04
Starting a company
Sole trader vs Ltd, VAT registration thresholds and the Form 11 walk-through.
- Sole trader vs Ltd
- VAT registration
- Form 11
- 05
Investment Account
Announced, in the Finance Bill and not yet law (status checked 29 October 2026). From 1 July 2027: 1% a year on value above €50,000, and no deemed disposal.
- 1% a year
- €12,000 a year in
- From July 2027
- 06
Budget 2027 hub
What changes for your pocket: band shifts, USC and the Rent Tax Credit.
- Budget changes
- Rates at a glance
Calculators are learning tools. Check assumptions and sources on each tool page.
Budget 2027 · Explained
The Budget is big. Start with what matters to you.
The 20% band rises to €46,500, the USC 2% band widens to €30,300 and the Rent Tax Credit goes up to €1,150. Renting, buying, saving for a pension or raising a family? Explore what changes for you.
Announced on 6 October 2026. Most changes become law with the Finance Act. Checked 29 October 2026.
Your life. Your questions.
2027
- Home & renting
- Work & income
- Family
- Saving & pensions
A clearer view of what changes.
A clear path forward · How it works
Learn. Calculate. Take action.
01Learn
Read plain-English guides on income tax, USC bands, PRSI and investment tax rules.
Browse guides
02Calculate
Simulate take-home pay, 4x Central Bank mortgage borrowing limits and capital gains tax.
Open calculators
03Take action
Execute Form 11 returns, claim rent tax credits, meet Revenue Pay & File deadlines and build tax-efficient wealth.
View deadlines
Straight answers
The questions people actually ask.
Most Irish-domiciled and European UCITS ETFs are taxed under exit tax, not capital gains tax (CGT): 38% in 2026, and 35% from 1 January 2027 under Budget 2027 (announced, subject to the Finance Bill). Tax is due when you sell, and every 8 years under the deemed disposal rule. Losses cannot be set against gains on ordinary shares.
About the Founder
Arif Bhuiyan
FCA, ACA, MBA, MSc
Arif Bhuiyan is a Fellow Chartered Accountant and senior finance professional with extensive experience across leading multinational organisations, including Apple Ireland, Meta Ireland, Deloitte Ireland, Bank of Ireland and Citi.
As EMEA Finance Manager at one of the largest FinTech companies in the world, he specialises in financial management, statutory reporting, technical accounting and financial controls.
With a strong passion for education, Arif has taught at Trinity College Dublin, mentored international students at UCD Michael Smurfit Graduate Business School, and provided one-to-one coaching to hundreds of Chartered Accountants Ireland students preparing for professional qualifications.
His achievements include the Prime Minister Gold Medal Award, first-class honours from UCD Smurfit, an Erasmus Mundus Scholarship and outstanding academic rankings (1st position) at his Bachelor and MBA programmes.
Arif founded Irish Fintax to make Irish tax, accounting and financial knowledge accessible to everyone. Combining practical industry expertise with years of teaching and mentoring experience, he aims to improve financial literacy across Ireland and empower individuals to make informed financial decisions with confidence.
- Reviewed by Arif Bhuiyan and Ireland-based finance professionals
- Budget changes marked until they are law
- Built on Revenue’s published rates
- Information, not regulated advice
There’s no such thing as a basic question
Ready to take control of your finances?
Explore our tools and guides to make sense of Irish tax, plan ahead and build a brighter financial future.