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Irish Tax & Pay Guides

Plain-English guides to Irish take-home pay, sole trader tax, PAYE side income, rental income, mortgage rules and Help to Buy, checked against Revenue and Central Bank sources.

• Ireland take-home pay 2026 explained (PAYE, USC and PRSI)

  How Irish take-home pay is worked out in 2026: income tax bands, tax credits, USC and the October PRSI rise, with a worked €45,000 example.

• Irish sole trader tax: how much should you set aside?

  How much an Irish sole trader should put aside for tax: income tax, USC, Class S PRSI, preliminary tax and the Form 11 deadline, with a worked example.

• Central Bank 4x rule and Help to Buy explained (Ireland)

  The Central Bank of Ireland 4x loan-to-income and 10% deposit rules, lender exceptions, and the new €35,000 Help to Buy limit from 7 October 2026, explained simply.

• Irish sole trader tax explained: income tax, USC and PRSI

  How Irish sole traders are taxed in 2026: income tax bands and credits, USC including the 3% surcharge over €100k, Class S PRSI, and your marginal rate at each profit level.

• PAYE job plus side income in Ireland: tax and how to declare it

  Got a PAYE job and a side hustle in Ireland? The €5,000 / €30,000 rules, Form 12 vs Form 11, tax credits, USC and PRSI on side income, and how much to set aside.

• Rental income tax for Irish landlords

  How Irish rental income is taxed: marginal rates, USC, allowable expenses, mortgage interest and RTB, the €1,000 Residential Premises Rental Income Relief (2026–2027), and Form 11 vs Form 12.

• How to compare two job offers (Ireland and UK)

  Compare job offers properly: net take-home after tax, USC/PRSI or National Insurance, employer pension match, salary sacrifice, benefits and commute costs, for Ireland and the UK.

• Saving a mortgage deposit in Ireland (Help to Buy and Central Bank rules)

  How much deposit you need in Ireland: the Central Bank 4x income and 90% LTV rules, Help to Buy up to €35,000, stamp duty, and a worked example.

Not financial advice. These guides are general information for budgeting and planning, not financial, tax, legal or mortgage advice. Rules change and your situation is unique. Check official sources or a qualified adviser before you act.