DecisionsCalc calculators

Ireland: list the social welfare payments and tax credits a household may get (Child Benefit, New Baby Grant, Working Family Payment, Maternity Benefit, Carer’s Allowance, State Pension, Fuel Allowance, Rent Tax Credit) with estimated amounts, using official 2026/2027 rates.

Ireland: estimate the Working Family Payment (weekly, tax-free) for a family, from gross pay, number of children and hours worked, using the official income limits (2026, and +€30 from January 2027) and the 60% rule.

Ireland: how much Rent Tax Credit a renter can claim for each year 2022–2026 (20% of rent, capped per year), including back-claims. Claims for 2022 must be made by 31 December 2026 (Revenue four-year rule).

Ireland: estimate the weekly Carer’s Allowance from the official means test (income disregard €1,000/€2,000 from July 2026, €1,150/€2,300 from July 2027; savings bands; Department rate table).

Ireland: check the Fuel Allowance means test (66+: €534 a week single, €640.80 from January 2027; under 66 needs a qualifying payment) and the 2026/27 season amount (€38, then €43 a week; €1,134 in lump sums).

Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring Periods; 2,080 for the full rate).

Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line.

Ireland: each parent’s take-home pay in the year of maternity/paternity/parent’s leave against a normal year (Maternity Benefit €299 a week in 2026, €309 from 2027; taxed but no USC or PRSI), the household gap and a monthly saving target.

Ireland: Help to Buy refund for a first-time buyer of a new build or self-build: the lesser of €35,000 (contracts from 7 October 2026; €30,000 before), 10% of the price, or income tax + DIRT paid in the previous 4 years; price limit €500,000; mortgage at least 70% of the price. Scheme runs to the end of 2029.

Ireland: capital gains tax on a disposal (shares, crypto, property other than your home): 31% for disposals from 7 October 2026 (33% before), 33% on development land, €1,270 annual exemption, losses, and the payment deadline (15 December for January–November disposals). Not for Irish/EU ETFs or funds, which pay exit tax.

Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €44,000, C everyone else €22,000 from 7 October 2026; €400,000/€40,000/€20,000 before), 33% above the unused threshold after earlier benefits in the same group since 5 December 1991, the €3,000 small gift exemption, whether an IT38 return is needed (above 80% of the threshold) and the 31 October pay-and-file date. Spouses and civil partners are exempt; reliefs (dwelling house, agricultural, business, favourite nephew) are not applied.

Ireland: MyFutureFund (pension auto-enrolment, started January 2026): what you, your employer and the State pay in (1.5/1.5/0.5% rising to 6/6/2% by year 10, on pay up to €80,000) and the projected pot at retirement.

Ireland: compare where a lump sum ends up after tax over a number of years: State Savings (tax-free), a bank deposit (DIRT 33%), ETFs (exit tax with 8-year deemed disposal), shares (CGT 31%) and a pension (tax relief). Growth for market products is an assumption you set.

Ireland: income tax relief on personal pension contributions and AVCs (occupational scheme, PRSA, RAC, PEPP): the age-related limit (under 30 15%, 30-39 20%, 40-49 25%, 50-54 30%, 55-59 35%, 60+ 40% of earnings up to €115,000), relief at the marginal rate (2026 or Budget 2027 bands; no USC or PRSI relief), the net cost and the room left this year.

Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expenses and 12.5% wear and tear, income tax at the marginal rate on top of salary (2026 or Budget 2027 bands), the Residential Premises Rental Income Relief (up to €1,000, 20% of profit), USC with the 3% surcharge on non-PAYE income over €100,000, and PRSI on unearned income over €5,000 for employees under 66.

UK: Stamp Duty Land Tax for England and Northern Ireland at 2026/27 rates, band by band: standard, first-time buyer relief (nil to £300,000, up to £500,000) or additional property (+5% on every band), plus the 2% non-resident surcharge.

Scotland: Land and Buildings Transaction Tax at 2026/27 rates, band by band, with first-time buyer relief (nil band to £175,000) or the 8% Additional Dwelling Supplement.

Wales: Land Transaction Tax at 2026/27 rates, band by band (nil band £225,000 for everyone; no first-time buyer relief) or the higher rates for additional properties.

Canada (outside Quebec): EI maternity and parental benefits for 2026: 55% of insurable earnings up to $729 a week (standard) or 33% up to $437 (extended), 15 weeks maternity, parental weeks, one-week waiting period.

Quebec: QPIP (RQAP) parental insurance for 2026 for both parents: basic or special plan, birth or adoption, earnings up to $103,000, weekly amounts and totals, with the shareable weeks split between parents.

Australia: private health insurance rebate (1 April 2026 – 31 March 2027) and Medicare Levy Surcharge for 2026–27 by income tier, single or family, and age band: whether hospital cover saves you tax.

New Zealand: KiwiSaver balance at 65 under the 2026 rules (default and employer minimum 3.5%, 4% from April 2028; government contribution 25c per $1 up to $260.72; ESCT on employer contributions; PIR tax on returns). Returns are an assumption you set.

Statutory parental leave pay for a birth parent and the income gap against normal pay (gross, before tax) in the UK (Statutory Maternity Pay), Ireland (Maternity Benefit), Canada (EI), Quebec (QPIP), Australia (Parental Leave Pay) or a US state’s paid family and medical leave (us-CA, us-NY, us-NJ, us-WA, us-MA and the rest; us-XX = no state program, FMLA unpaid), with an optional employer top-up.

UK State Pension for people living outside the UK: which gap years (2020–21 to 2026–27) can still be filled with voluntary National Insurance after the 6 April 2026 change, at Class 2 (£3.65/wk, years to 2025–26 only) or Class 3 (£18.40/wk), each year’s cost and 5 April deadline, and the State Pension gain (1/35 of £241.30 a week per year, up to 35 years) with payback.