Find help for your situation
Not sure where to start? Jump to everything you can claim for your circumstances:
Guides that put money
back in your pocket
Step-by-step walkthroughs for the grants, credits, rights and savings most people never claim — written for real people, free to read.
Rent Tax Credit €1,000/person · 10 minutes
Most renters have never claimed it. Here's the full walkthrough.
If you pay private rent in Ireland, Revenue owes you up to €1,000 a year — and you can backdate it four years. We show you every click.
Payment Date Checker
When will you actually be paid? Pick your payment and see the exact next date — plus every bank holiday that moves it in 2026 and 2027.
Budget 2027 Calculator
Budget 2027 lands 6 October. See what it could be worth to you — tax, pension, welfare, childcare — with every measure marked confirmed, expected or ruled out.
The Unclaimed Money Report 2026
£24.1bn unclaimed in Britain, plus our exclusive FOI on 116,000 Irish households — fully sourced.
Free Benefit Calculators & Checkers
All our free calculators in one place — Pension Credit, Attendance Allowance, Child Benefit, Rent Tax Credit, Fuel Allowance and more.
The Community Price Map
Real prices shared by real shoppers — the only place to see Aldi & Lidl next to Tesco, SuperValu and Dunnes. Built by you.
Snap Your Shop: Did You Overpay?
Photograph your supermarket receipt and see — honestly — where the same items were cheaper, and what it costs you a year.
The Real Basket: Who's Actually Cheapest?
We priced the same basket at Tesco, SuperValu & Dunnes on the same day. Real prices, no supermarket money — see who won.
What Should Your Weekly Shop Cost?
Answer 3 quick questions and see a typical weekly grocery spend for your household — plus tailored ways to bring it down.
The Cheapest Supermarket in Ireland
The honest answer — from a site that takes no supermarket money — plus how to find the cheapest shop for your own trolley.
Own-Brand vs Branded: The Swaps That Save
Own-brand is often 30–50% cheaper for the same product. The easy wins, the few worth keeping branded, and how to test it.
When Do Supermarkets Reduce Food?
How yellow-sticker markdowns work, roughly when to look at each chain, and how to fill your freezer for a fraction of the price.
Are Loyalty Cards Actually Worth It?
Tesco Clubcard, SuperValu Real Rewards, Dunnes and Lidl Plus — the honest verdict on whether they save you money or just keep you shopping.
Shrinkflation: Spot It and Beat It
Products get smaller while the price stays the same. The one number on the shelf that reveals the real price every time.
The Money MOT — what are you leaving on the table?
A 2-minute money health check. Get your score, see how much you could be better off a year, and a personalised plan to claim and save it.
Money news that affects your pocket
New grants, rate rises, Budget changes and deadlines across Ireland and the UK — in plain English, with what each one means for you.
Social tariffs: half-price broadband & mobile
If you're on benefits you could pay half for broadband and mobile — yet 97% of eligible homes miss these 'social tariffs'.
Disability Allowance, explained
A weekly means-tested payment for people 16–66 with a long-term disability — and you can do some work and keep part of it.
Cut the cost of childcare
The National Childcare Scheme, Tax-Free Childcare and free hours — the help most parents never max out.
Free Travel & Household Benefits
Free public transport, an energy allowance and a free TV licence — two of the most valuable older-person supports.
The State Pension, explained
When you can get it, how much it pays, and how to check and boost your record before you retire.
Tenant rights you should know
Deposits, notice, rent increases, repairs and protection from illegal eviction — the rights landlords hope you don't know.
Cashback: free money on everyday spending
Cashback sites, bank switch bonuses and 'stacking' — get paid for spending you'd do anyway (without overspending).
How to spot a scam
The red flags every scam shares, what to never share, and exactly what to do if you've been caught out.
Housing Assistance Payment (HAP)
Get most of your rent paid directly to your landlord — and keep it when you work.
One-Parent Family Payment
A weekly payment for parents raising a child alone — and you can work and keep part of it.
Additional Needs Payment
One-off help with an essential cost — rent deposit, fuel, white goods. Even if you work.
Domiciliary Care Allowance
A monthly payment for a parent of a child with a severe disability. Not means-tested.
Disabled Drivers & Passengers Scheme
Thousands in VRT/VAT relief, a fuel grant and tax exemptions on an adapted car.
Marriage Allowance: save £252/yr
If one of you is a non-taxpayer, transfer allowance and save up to £252 — backdate 4 years.
Household Support Fund
Council money for food, energy and essentials — easy to miss because each council runs its own.
Healthy Start & Free School Meals
A prepaid card for milk, fruit and veg, plus free school meals — badly under-claimed.
Pension Credit Calculator
Enter your income & savings — see in 30 seconds what you (or a relative) could claim.
Marriage Allowance Calculator
3 taps to check if you can claim up to £1,260 — most eligible couples never do.
Attendance Allowance Calculator
Check in 30 seconds if you (or a relative) could get £76.70–£114.60 a week, tax-free.
Carer's Allowance Calculator
4 quick taps to see if you can claim £86.45 a week for caring for someone.
Rent Tax Credit Calculator
Renting in Ireland? Estimate what you could claim back — up to €1,000/yr, backdated to 2022.
Child Benefit Calculator
See what you get — and whether the High Income Charge claws any back (£60k–£80k).
Fuel Allowance Checker
Are you entitled? Check in 30 seconds — worth €38/week, about €1,064 a season.
Working Family Payment Calculator
Working but tight on money? Estimate your weekly tax-free top-up using the 2026 limits.
Budget 2026: What You Actually Get
The energy credits are gone — here's the permanent help that replaced them.
PIP Changes 2026: The Real Story
The feared 4-point rule was scrapped. Here's what's actually happening — calm and sourced.
Blue Badge: Who Qualifies
Disabled parking rights — who gets one automatically (including with PIP) and how to apply.
Motability: Swap Your Benefit for a Car
Exchange your mobility allowance for a car, scooter or WAV — and the trade-off to know first.
Is There a Cost of Living Payment in 2026?
No new DWP payments — but here's the help that IS available, and the scams to dodge.
Warm Home Discount & Cold Weather
£150 off your electricity and £25 per cold week — much of it paid automatically.
How to appeal a benefit decision
Refused? A lot of appeals succeed. The deadlines and steps for Ireland and the UK.
Section 75 & chargeback
Get your money back on faulty goods, non-delivery or a company that went bust.
How to claim a tax refund
Millions overpay tax every year. The reliefs people miss, the 4-year rule, and the exact steps through Revenue and HMRC — for free.
Help to Buy: up to €30,000
The first-time buyer scheme that gives you up to €30,000 back toward your deposit on a new home. Who qualifies and how to claim it.
Winter heating help: the 3 UK payments
Winter Fuel Payment, the £25 Cold Weather Payment and the £150 Warm Home Discount — who gets what, and the one move that unlocks the most.
Help with rent, explained
UK Housing Benefit and the Universal Credit housing element, plus Ireland's HAP and Rent Supplement — who qualifies and how to claim.
The Back to School Allowance
Help with the cost of school clothes and shoes — a set amount per child. Often paid automatically in July, who qualifies, and the deadline.
Universal Credit, explained simply
Who qualifies, how much you get, whether you can claim while working, and the savings limit — without the jargon. Billions go unclaimed.
PIP: the disability payment explained
Not means-tested, tax-free, and claimable while working. Who qualifies, the two parts, how the points work, and how to win your claim.
Carer's Allowance, explained
If you look after someone, you may be owed a weekly payment — in both Ireland and the UK. Who qualifies, the earnings limits, and the grant most carers miss.
The Medical Card, explained
Free GP care, subsidised meds and more. The income limits are more generous than you think — the HSE deducts your rent and childcare first.
Working Family Payment, explained
A weekly tax-free top-up for low-income working families — and from 2026 it unlocks the Fuel Allowance too. You can work full-time and still qualify.
Child Benefit, explained
How much you get in Ireland and the UK, who can claim, the UK high-income charge — and why even high earners should still claim it.
Money deadlines — claim before you lose it
Backdating windows close every January, the Fuel Allowance season opens and shuts, and some claims only backdate a few months. Don't leave it too late.
Child Benefit across the Irish border — who pays?
Live one side, work the other? One country pays your Child Benefit and the other can top it up — the top-up loads of cross-border families never claim.
Live in Ireland, work in the North? You may owe no Irish tax
Trans-Border Workers Relief can wipe out the Irish income tax on a job across the border — but one work-from-home day can quietly cost you the lot. Who qualifies and how to claim.
Work from home in NI for an ROI employer? The tax trap
Remote work made this arrangement completely normal — but the tax and PRSI rules were built for commuters, not home workers. Why the wrong country's deductions can end up on your payslip, and how to check.
Frontier worker healthcare: NHS or HSE?
Live one side of the border and work the other? You're usually covered on both sides — here's how the Medical Card, NI GP registration and the S1 form actually fit together.
SUSI vs UK student finance: who pays what?
Moving across the border for college? SUSI won't touch your fees if you study outside Ireland, and UK finance bodies don't fund Irish maintenance — here's exactly which grant or loan covers you, and the 2026/27 rates.
Buy back UK State Pension years from Ireland
Worked in the UK? About £957 buys a pension year worth ~£358 a year for life — and the rules changed in April 2026, with a hard deadline in 2027 for existing payers. What to do, step by step.
Irish citizens in England: Universal Credit & the Habitual Residence Test
Irish citizens have an automatic right to reside under the Common Travel Area — no EU Settlement Scheme needed. If the DWP wrongly refused your UC claim, here's the law and the exact wording to appeal.
The SUSI grant — 2026/27 rates & income limits
Up to €7,936 a year for college — and some support reaches household incomes of €120,000. The new bands, the 30km rule, and why you should apply before your CAO offer even lands.
The First Home Scheme
The State pays up to 30% of a new home in shared equity — no monthly repayments, combinable with Help to Buy.
Illness Benefit
Too sick to work? Up to €254/week in 2026 — the 3 waiting days, the 6-week deadline, and how to apply.
Jobseeker's Pay-Related Benefit
The new dole: up to €450/week linked to your old wage — for jobs lost since 31 March 2025. Most people haven't heard of it.
Housing Adaptation Grants
Up to €40,000 to adapt a home for disability or age — plus the €8,000 Mobility Aids Grant for stairlifts and ramps.
Solar Panel Grants (€1,800)
€700/kWp for the first 2kWp, €200 after — and the one rule that loses people the grant: apply BEFORE any work starts.
Electric Car Grant (€3,500)
Up to €3,500 off a new EV, applied by the dealer — and the price cap drops to €50,000 on 31 July 2026.
The €70,000 Vacant Property Grant
Up to €50k to refurbish an empty home — €70k if derelict. The 2-year rule, the clawback, and how to apply to your council.
The Bereaved Partner's (Widow's) Pension
Up to €299.30 a week, not means-tested — and since July 2025 cohabiting partners qualify for the first time.
The GP Visit Card
Free GP visits: automatic for under-8s and over-70s, and income limits ~50% higher than the medical card. Most people never check.
The Drug Payment Scheme
Never pay more than €80 a month for prescribed medicines — no means test, whole household covered, apply in minutes.
New baby? The money checklist
Maternity Benefit €299/week, the €280 Newborn Grant, Child Benefit and the payments for the other parent — all in one list.
Refused? Build your appeal letter in 60 seconds
A large share of benefit appeals succeed. Pick your payment and the reason they refused you, and get a properly structured appeal or review letter — free, private, Ireland & UK.
Can my landlord increase my HAP rent?
Since 1 March 2026 a national cap limits rent rises to 2% a year (or inflation) on every tenancy — including HAP. What's allowed, what it means for your payment, and how to challenge a wrong increase.
Social welfare payment dates 2026 (Ireland)
When each payment lands — Child Benefit, Fuel Allowance, Back to School, the Carer's Support Grant and the Christmas Bonus — on one simple calendar you can check in seconds.
The unclaimed billions — money going begging
Billions in benefits, credits and refunds go unclaimed every year across Ireland and the UK. Here's where the biggest pots are — and how to check if any of it is yours.
The shopping tricks costing you money
Fake multibuys, shrinkflation, dodgy "was" prices and online dark patterns — the everyday tricks draining your wallet, and the simple habits that beat them all.
Start saving & investing with €50 a month
No jargon, nothing being sold to you — the emergency fund, free pension money, ISAs & State Savings, and index funds explained simply, in the right order.
Free dental, glasses & hearing aids in Ireland
Your PRSI already pays for a free dental exam, eye test, money off glasses and up to €500 per hearing aid. Most people never claim it.
Attendance Allowance: £114.60 a week most over-66s miss
Not means-tested, tax-free, and over a million eligible people never claim it. Who qualifies and how to apply — plus the benefits it unlocks.
Fuel Allowance: €33 a week toward winter heating
Around €924 over the season toward your heating. The income limits that catch people out — and exactly how to apply through MyWelfare.
How to cut your Council Tax (most people can)
Reductions, the single-person discount, hidden disregards, and challenging a wrong 1991 band for a backdated refund — all four checks explained.
The 5 UK benefits you're probably missing
£19bn goes unclaimed every year. These are the five most-missed — who qualifies and exactly how to claim each one.
The SEAI grants playbook (up to €30k+)
How to stack home-energy grants, pick a registered contractor, and get the most toward insulation, heat pumps and solar.
Is your rent increase actually legal?
In a Rent Pressure Zone your landlord can only raise rent by so much. Here's how to check — and what to do if they've broken the rules.
Pension Credit: £3,900 most pensioners miss
It's massively underclaimed — and it unlocks a free TV licence, heating help and more. Who qualifies and how to apply.
Marriage Allowance in 10 minutes
Worth £252 a year and backdatable four years — over £1,000 for couples where one earns under the personal allowance.
7 bills you should never auto-renew
Energy, broadband, mobile and insurance quietly creep up every year. The switching habit that saves hundreds.
How to spot a fake supermarket deal
1 in 10 multi-buys cost more than buying singly. The unit-price trick that beats every pricing tactic they use on you.
Start investing with €50 a month
ISAs, index funds and pensions in plain English — how to begin without jargon and without being sold something.
Tenant rights most renters don't know
Deposits, notice periods, repairs and entry — the six rights your landlord hopes you've never read.
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