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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
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Rent Tax Credit — €1,000 (€1,150 from January 2027)/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 Individual Energy Upgrades
up to €30k+Vacant Property Refurbishment
€50k–€70kHelp to Buy Scheme
up to €30kHousing Adaptation Grant
up to €30kSUSI Student Grant
up to €7,936/yr
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 (€1,150 from January 2027) / person | Anyone paying private rent (€2,000 (€2,300 from January 2027) 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 | €1,950 (€2,050 from January 2027) / 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.
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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 | Depends on usage | Check for a fixed-term exit fee first, then compare on bonkers.ie or switcher.ie. You get 14 days to cancel a phone or online switch — the rules |
| SEAI insulation grants | Grant-funded | SEAI covers much of the upfront cost and the saving is permanent — what you can get |
| Never auto-renew broadband/mobile | Depends on your deal | Ring and say you are leaving. Ask for the retention team, and ask about a social tariff by name — how that works |
| Free home energy audit | Free | SEAI-subsidised or free BER assessment |
| Fuel Allowance | €1,064 (€1,204 from January 2027)/season | €38 (€43 from January 2027)/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 and DIRT-exempt, which is what makes it worth comparing against a bank deposit rate rather than assuming.
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
Step-by-step
Guides for Ireland
Plain-English walkthroughs for claiming exactly what you're owed.
Rent Tax Credit (€1,000 (€1,150 from January 2027))
Free dental, glasses & hearing aids
Fuel Allowance (€38 (€43 from January 2027)/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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