Professional Irish Financial Analysis • 2026
Generated On
24 February 2026
Note: This report is an estimate based on current Irish Revenue tax bands and provided inputs. For official tax advice, please consult a qualified professional or visit Revenue.ie.
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For Irish landlords, high marginal tax rates (52%) can severely erode your true returns. Use our professional dashboard to reveal the "hidden partner" behind your property portfolio.
* Your salary level determines the marginal tax rate on rental income (usually 52%).
Evaluate how your cash flow holds up if rates rise by this amount.
Tax-efficient reinvestment strategy to offset rental tax.
Enter your property details and tax profile on the left to reveal your true net yield and tax impact.
In Ireland, if your annual salary exceeds €44,000 (Single) or €53,000 (Married), your rental income is treated as extra income and taxed at your highest marginal rate. This includes 40% Income Tax (PAYE), 4% PRSI, and up to 8% USC, totaling 52%.
Allowable expenses include: 100% Mortgage Interest (since 2024), building insurance, RTB registration fees, letting agent fees, repairs (not improvements), accounting fees, and refuse charges. Capital repayments on mortgages are NOT tax-deductible.
This is a common tax planning strategy. Since you pay 52% tax on rental profit, contributing equivalent profit into a pension allows you to reclaim 40% via tax relief, effectively reducing your tax burden to just USC and PRSI.