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Republic of Ireland

What Ireland owes you

SEAI grants, Revenue tax credits, tenant rights and money-saving intelligence — every entitlement explained in plain English, with exact steps to claim it.

€0In SEAI energy grants available in 2026

€0Available per home in energy upgrades

€0Rent tax credit per person

0yrMost credits can be backdated

Verified against official sources Sources Revenue.ie Citizens Information RTB SEAI Gov.ie Updated 23 Jun 2026

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Claim these this week

Three things most Irish people are owed right now — each takes minutes, not days.

⚡ Fast claims · under 15 minutes each

Rent Tax Credit — €1,000/person

Claim via Revenue myAccount. Takes 10 minutes. Most renters have never done it — and it can be backdated.

SEAI Energy Grants — up to €30,000+

Check seai.ie. If you're on Fuel Allowance, a full home energy upgrade is completely free.

Medical Expenses Relief — 20% back

20% back on all medical receipts from the last 4 years. No upper limit — GP, dentist, physio, consultant, medication.

Government Grants

The grants that exist — and how to claim them

Who qualifies, how much, and exactly where to apply. Most go massively underused.

SEAI Warmer Homes Scheme

100% Free

WhoOn Fuel Allowance, Jobseeker's (6+ months), One Parent Family Payment, Disability or Carer's Allowance.

WhatFull home energy upgrades — insulation, heating, windows, doors. SEAI manages everything.

Apply at seai.ie →

SEAI Individual Energy Upgrades

up to €30k+

WhoAll homeowners — no means test.

KeyHeat Pump €12,500 · External Wall €8,000 · Attic €1,500 · Solar PV €2,400.

Use the grant calculator →

Vacant Property Refurbishment

€50k–€70k

WhoAnyone buying/renovating a property vacant 2+ years (€70k if derelict).

NoteMassively underused — especially in Dublin and larger towns.

How to apply →

Help to Buy Scheme

up to €30k

WhoFirst-time buyers of a new property worth €500,000 or less.

NoteBased on income tax paid in the previous 4 years (10% of price).

Revenue myAccount → Help to Buy →

Housing Adaptation Grant

up to €30k

WhoPeople with a disability adapting their home (€8,000 for mobility aids).

CoversRamps, stairlifts, wet rooms, widened doorways, extensions.

How to apply →

SUSI Student Grant

up to €6,115/yr

WhoThird-level students from qualifying households — thresholds are higher than most assume.

PlusFree student contribution (€3,000 value).

Apply at susi.ie →

Tax Credits & Reliefs

Money Revenue owes you

Claim all of these through Revenue myAccount. Most can be backdated four years.

Credit	Amount	Who qualifies
Rent Tax Credit	€1,000 / person	Anyone paying private rent (€2,000 per couple)
Medical Expenses Relief	20% back	All taxpayers — GP, physio, dentist, consultant, medication. No upper limit
Remote Working Relief	30% of bills	Anyone working from home, for the days you work from home
Home Carer Tax Credit	€1,800 / yr	Married couples where one partner cares for child/elderly/incapacitated
Flat Rate Expenses	Varies	Nurses, teachers, retail, engineers, construction — nearly every profession
Single Person Child Carer	€1,750 / yr	Single parents who are the primary carer
Education Fees Relief	20% back	Approved third-level courses, on fees over €3,000
Health Insurance Relief	20% back	Anyone paying private health insurance — check your payslip

Most credits can be backdated 4 years via Revenue myAccount — claim now, get the lot.

Housing & Tenant Rights

What your landlord can and cannot do

Free dispute resolution is available through the RTB at rtb.ie.

Rent Pressure Zones (RPZ)

In most cities and large towns, landlords can only raise rent by a maximum of 2% per year. Anything higher is illegal — check the RTB rent calculator.

Security of Tenure

After 6 months you have security of tenure. A landlord must give a valid legal reason and correct notice (up to 224 days for long tenancies).

Property Maintenance

Landlords must legally maintain structural integrity, heating, hot water, plumbing, windows and doors. Report failures to the RTB.

24 Hours Notice for Entry

A landlord must give a minimum 24 hours' written notice before entering, except in genuine emergencies.

Deposit Return

Your deposit must be returned minus only legitimate damage. Normal wear and tear is NOT damage. Dispute free via RTB online.

Rent Book & Registered Tenancy

You're entitled to a rent book and written lease. The landlord must register the tenancy with the RTB within one month.

What Retailers Hide

The tricks used on you every shop

Small habits that quietly cost you hundreds a year.

The .99 Trick

€1.99 feels like €1 because your brain reads left to right. Always round up mentally.

Fake Multi-Buy Deals

10% of multi-buy deals cost more than buying singly (Which?). Always check the unit price — legally it must be displayed.

Fake Crossed-Out Prices

A discount is only legal if the item sold at the higher price for a reasonable period. Many don't — use price trackers to verify.

The Middle Choice Trap

Cheap, medium, expensive shown together — most pick the middle. Retailers engineer this; the middle is usually highest-margin.

Loyalty Card Data

Your shopping data builds a profile and sends offers designed to grow your spend, not your savings. Take the points, ignore the nudges.

Shrinkflation

Same price, less product. Always buy on price per unit — never on the pack price.

Energy & Bills

Stop overpaying — quietly

The savings your supplier isn't going out of its way to tell you about.

Action	Saving	How
Switch energy supplier annually	€200–400/yr	bonkers.ie or switcher.ie — new-customer deals are far better
SEAI insulation grants	30–50% off bills	seai.ie — covers most of the upfront cost, permanently lowers usage
Never auto-renew broadband/mobile	€100–200/yr	Ring and threaten to leave — you almost always get a better deal
Free home energy audit	Free	SEAI-subsidised or free BER assessment
Fuel Allowance	€924/season	€33/week for qualifying recipients — citizensinformation.ie

Savings & Investing

Make your money work — no jargon

Plain-English options to grow what you have, without being sold something.

State Savings (An Post)

Government-guaranteed, DIRT-exempt returns — usually better than bank savings rates. statesavings.ie

Credit Unions

Member-owned, not-for-profit. Loan rates typically 3–5% cheaper than banks, plus dividend savings accounts.

Pensions — free money

Every €100 contributed costs you €60 (basic) or €40 (higher rate). Many employers match contributions — effectively free money.

Index Fund Investing

Start from €50/month via Trade Republic. Long-term historical returns of 7–10% annually.

MABS — free debt advice

Free, confidential debt advice and budgeting help. Most people don't know it exists. mabs.ie · 0818 07 2000

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Members get the exact click-by-click walkthrough for every grant and credit on this page — plus downloadable checklists and personal deadline alerts.

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The exact menu path, with screenshots so you can't get lost.

Enter your details correctly

The fields that trip people up — and what to put in each one.

Submit and track your claim

What happens next, and exactly when the money lands.

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Step-by-step

Guides for Ireland

Plain-English walkthroughs for claiming exactly what you're owed.

Rent Tax Credit (€1,000) Free dental, glasses & hearing aids Fuel Allowance (€38/week) SEAI home-energy grants (€30k+) The Medical Card Working Family Payment Child Benefit Carer's Allowance Back to School Allowance Help to Buy (first-time buyers) How to claim a tax refund Money deadlines & closing soon Housing Assistance Payment (HAP) One-Parent Family Payment Additional Needs Payment (emergency help) Domiciliary Care Allowance Disabled Drivers & Passengers Scheme How to appeal a benefit decision Disability Allowance Free Travel & Household Benefits The State Pension Childcare subsidies (NCS) Tenant rights you should know Cashback (free money) How to spot a scam

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