Help to Buy Calculator
Estimate your HTB tax refund in seconds. Up to €30,000 towards your deposit on a new home in Ireland. Updated for 2026.
Your Details
Tax paid estimation guide
Check your Employment Detail Summaries on Revenue.ie (myAccount → Review your tax → Income Tax Return). Add up the "Income Tax" and "DIRT" amounts for each of the 4 years before your application year.
Quick estimate: If you earned an average of €45,000/year over 4 years, you likely paid approximately €28,000–€36,000 in income tax over that period (depending on your credits and deductions). Most full-time workers earning €40k+ will have paid enough tax to claim the full €30,000.
Combine with First Home Scheme?
If you combine HTB with the First Home Scheme, the maximum FHS equity stake reduces from 30% to 20%. The HTB refund itself is not affected.
Your Help to Buy Estimate
Want a personalised report with your full buying power breakdown?
Try the Full Affordability Calculator →Now you know your HTB refund — get the mortgage checklist, viewing scorecard, and snagging list to match.
Your Detailed Breakdown
Your detailed help to buy breakdown will appear here once you enter your email below. This includes a full line-by-line analysis personalised to your inputs.
Want the full Complete Buyer's Guide? 49 pages covering HTB, FHS, solicitor steps, and every cost from offer to keys.
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The full roadmap from mortgage approval to keys in hand.