Guides Ireland
Explainers focused on Ireland personal finance — taxes, mortgages, pensions, savings, and more.
A practical Q&A on the maximum mortgage you can get in Ireland in 2026 — the 4× and 3.5× income multipliers, the 90% LTV deposit rule, the lender stress test, and which constraint actually binds at your salary level.
Ireland's pension tax relief is capped by both your age and an earnings limit. Here's how the age-related percentage bands work in 2026, the €115,000 earnings cap, marginal-rate relief, and what really gets you the maximum tax saving.
A plain-English breakdown of Ireland's Budget 2026 — income tax bands, USC thresholds, credits, PRSI changes, and what the measures mean for take-home pay.
USC is charged on most income above €13,000 per year in Ireland. Here's how the bands, rates, and exemptions work in 2026 — and how to calculate your exact USC liability.
The Central Bank of Ireland's mortgage rules set limits on how much you can borrow relative to income and property value. Here's what the rules say in 2026 and how lenders actually apply them.
Deposit Interest Retention Tax (DIRT) is automatically deducted from your savings interest in Ireland. Here's what the rate is in 2026, when you can claim a refund, and how to compare accounts on an after-DIRT basis.
AVCs let you top up your pension beyond employer contributions and claim income tax relief at your marginal rate. Here's how they work, how much you can contribute, and when they make sense.
Ireland