What you can claim.

Claim 20% back on a long list of out-of-pocket health costs — GP visits, consultants, prescriptions, physiotherapy, speech and language therapy, and more.

• ·GP and consultant fees
• ·Prescription charges
• ·Dental work (non-routine — fillings, crowns, orthodontics)
• ·Physiotherapy and other qualifying treatments
• ·IVF and fertility treatment

Introduced in 2022 and worth up to €750 per year for a single person and €1,500 for a couple. If you’ve been renting in Ireland at any point since 2022, this is almost certainly yours to claim.

• ·Private residential tenancies
• ·Student rental accommodation
• ·Claimable every year you’ve rented since 2022

If you worked from home for any part of the last four years, you can claim 30% of your electricity, heating, and broadband bills — pro-rated for your remote-working days.

• ·COVID-era home working days
• ·Post-COVID hybrid working
• ·One or two days a week adds up quickly over four years

Revenue allows a fixed annual deduction for dozens of occupations — no receipts required, no paperwork to file once it’s set up. It’s one of the easiest things people miss.

• ·Nurses: €733
• ·Teachers: €518
• ·Shop assistants: €121
• ·Electricians, plumbers, carpenters
• ·Hairdressers, chefs, and many others

Personal contributions to a PRSA, occupational pension, RAC, or AVC qualify for tax relief at your marginal rate — 20% or 40% — within Revenue’s age-related limits. Often the single biggest refund category once you start earning at the higher rate.

• ·Personal pension or PRSA contributions you paid net of employer top-up
• ·AVCs paid into an occupational scheme
• ·Lump-sum top-ups before the 31 October deadline (counted back to the previous tax year)
• ·RAC contributions for self-employed income alongside PAYE
• ·Age-based limits apply: 15% of earnings under 30, rising to 40% from 60

Emergency tax rates, incorrect tax credits, and unused rate bands are where the big refunds usually turn up. If you’ve changed jobs, taken parental leave, or had a gap in employment, this is worth checking.

• ·Emergency tax from starting a new job
• ·Incorrect tax credit split between employments
• ·Unused standard rate cut-off bands
• ·Pay gaps and career breaks

A one-year credit introduced by Finance (No. 2) Act 2023 for homeowners whose mortgage interest rose in 2023. It’s worth 20% of the increase in interest paid in 2023 compared with 2022 — up to a maximum credit of €1,250 per property.

• ·Must be your principal private residence in Ireland
• ·Outstanding mortgage balance between €80,000 and €500,000 on 31 Dec 2022
• ·Must be compliant with Local Property Tax
• ·Pro-rated if you paid interest for less than 12 months in either year

A long tail of credits and reliefs worth checking depending on your circumstances. If any of these apply to you, we’ll factor them in.

• ·Tuition fees — third-level fees above a €3,000 disregard at 20% (undergrad, postgrad, qualifying part-time)
• ·Home Carer Tax Credit
• ·Single Person Child Carer Credit
• ·Age Tax Credit
• ·Seafarer’s Allowance
• ·Service charges and other specific reliefs