Calculate your Revenue Ireland Help to Buy (HTB) rebate: Up to €30,000 or 10% of new-build purchase price based on income tax and DIRT paid over the last 4 tax years. Calculate exact, penny-accurate projections compliant with 2026 Revenue Commissioners • DSP • Central Bank of Ireland standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Ireland Help to Buy (HTB) Incentive Calculator — Up to €30,000 First-Time Buyer Rebate: Calculate your Revenue Ireland Help to Buy (HTB) rebate: Up to €30,000 or 10% of new-build purchase price based on income tax and DIRT paid ...Temel formül: HTB\ Rebate = \min(€30,000, \ 10\% \times Property\ Price, \ \sum_{t=1}^{4} (PAYE + DIRT)_t) \\
\text{Condition 1: } Property\ Price \le €500,000 \\
\text{Condition 2: } Mortgage\ LTV \ge 70.0\% \\
Own\ Cash\ Deposit = \max(0, 10\%\text{ Deposit} - HTB\ Rebate).
Revenue Ireland statutory Help to Buy criteria
USC and PRSI do not qualify; only PAYE Income Tax and DIRT count.
HTB\ Rebate = \min(€30,000, \ 10\% \times Property\ Price, \ \sum_{t=1}^{4} (PAYE + DIRT)_t) \\
\text{Condition 1: } Property\ Price \le €500,000 \\
\text{Condition 2: } Mortgage\ LTV \ge 70.0\% \\
Own\ Cash\ Deposit = \max(0, 10\%\text{ Deposit} - HTB\ Rebate)The Revenue Help to Buy (HTB) incentive refunds up to €30,000 of income tax paid over the past 4 years to help First-Time Buyers fund their deposit on a newly built or self-built home. The relief is the lesser of €30,000, 10% of property valuation, or total PAYE/DIRT paid over the prior 4 tax years, subject to a €500,000 price ceiling and 70% minimum mortgage LTV.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual Central Bank of Ireland mortgage caps, Revenue PAYE/USC/PRSI rules, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or Irish Revenue documentation prior to executing financial commitments.
You must be a First-Time Buyer (if buying jointly, neither buyer can have ever owned a home). The property must be a newly built home or self-build with a purchase price or approved valuation of €500,000 or less. Second-hand (existing) properties do not qualify.
Revenue tallies all PAYE Income Tax and DIRT (deposit interest tax) you paid in Ireland over the four tax years immediately preceding your application. Universal Social Charge (USC) and PRSI payments do NOT count towards the qualifying tax rebate.
To qualify, you must take out a qualifying mortgage equal to at least 70% of the property's purchase price or approved valuation (e.g. at least €280,000 on a €400,000 home). Cash buyers are not eligible for Help to Buy.
Yes, under clawback rules: you must occupy the newly built home as your principal private residence (PPR) for at least 5 years from the date it is habitable. If you sell or rent out the property before 5 years elapse, Revenue will claw back the rebate proportionately.
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