Sort every Irish money decision in one place

Income Tax

20% and 40% bands.

USC

Universal Social Charge.

PRSI

Class A employee.

Take-Home Pay

After tax, USC, PRSI.

Gross to Net

Net from gross.

Net to Gross

Gross from take-home.

Hourly to Salary

Annualise a wage.

Salary to Hourly

Effective hourly.

Minimum Wage

National rate.

Overtime Pay

Extra-hours pay.

Pay Rise

What you keep.

Bonus Tax

Tax on a bonus.

Emergency Tax

Week 1 basis.

Redundancy Payment

Statutory + ex gratia.

Tax Credits

Total annual credits.

Married vs Single Tax

Joint assessment.

Age Tax Credit

Over 65 credit.

Home Carer Tax Credit

Single-income family.

Single Person Child Carer

SPCCC credit.

Rent Tax Credit

Up to 1,000 single.

Medical Expenses Relief

20% relief.

Tuition Fees Relief

Third-level fees.

Remote Working Relief

e-Working costs.

Child Benefit

Monthly per child.

Small Benefit Exemption

Tax-free vouchers.

Self-Employed Tax

Sole trader.

Limited vs Sole Trader

Which is cheaper.

Contractor Day Rate

Day rate to net.

Corporation Tax

12.5% trading rate.

Preliminary Tax

Self-assessment payment.

Capital Allowances

Wear and tear.

Company Car BIK

Benefit-in-kind.

VAT

23% add or remove.

VAT Registration

Threshold check.

Home Renovation VAT

Reduced 13.5% rate.

Pension Tax Relief

Age-based limits.

Pension Pot Projection

Balance at retirement.

Pension Lump Sum

Tax-free + taxable.

PRSA / AVC

Top-up contributions.

ARF Drawdown

Imputed distribution.

State Pension

Contributory pension.

FIRE

Financial independence.

Coast FIRE

Coast to retirement.

Mortgage

Repayment + interest.

Affordability

How much you can borrow.

Overpayment

Pay off sooner.

Refinance / Switcher

Saving + break-even.

Interest-Only

vs principal + interest.

Stress Test

At a test rate.

Loan-to-Value

LTV ratio.

House Deposit Savings

Deposit goal.

First-Time Buyer Deposit

10% deposit.

Help to Buy

HTB refund.

First Home Scheme

Shared equity.

Stamp Duty

Residential 1% / 2%.

Stamp Duty First Home

First-buyer duty.

Stamp Duty Non-Residential

7.5% rate.

Local Property Tax

Annual LPT.

Vacant Property Tax

VHT charge.

Rent vs Buy

Buy or rent + invest.

Rental Yield

Gross + net yield.

Rental Income Tax

Tax on net rent.

Short-Term Let Tax

Airbnb income.

Capital Growth

Projected value.

Mortgage Interest Tax Credit

Temporary relief.

Compound Interest

Growth projection.

Savings Goal

Monthly to a target.

CGT

Capital gains at 33%.

CGT on Shares

Share disposals.

Dividend Withholding Tax

DWT at 25%.

DIRT

Deposit interest tax.

Exit Tax

Funds at 41%.

ETF Deemed Disposal

8-year rule.

Net Worth

Assets minus debts.

Budget (50/30/20)

Needs / wants / savings.

Emergency Fund

Cash buffer.

Debt Payoff

Time + interest.

Credit Card Payoff

Clear the balance.

Personal Loan

Repayments.

Car Loan

Vehicle finance.

Inflation

Real value.

Gift Tax (CAT)

Capital Acquisitions Tax.

Inheritance Tax

CAT on inheritance.

Small Gift Exemption

3,000 per year.

Rent-a-Room Relief

Up to 14,000 tax-free.

Life Insurance Needs

Cover gap.

Income Protection

If you cannot work.

Mortgage Protection

Cover the loan.

Health Insurance Relief

20% premium relief.