Ireland Budget 2027 — USC, SRCOP, Pension & HTB Changes
_Live from the Dáil on 7 October 2026. Updates as Minister speaks._
What to watch in Budget 2027
- Standard Rate Cut-Off Point (SRCOP) — currently €44,000 single / €53,000 single-with-child / €88,000 married
- Universal Social Charge (USC) bands — rate cuts widely expected given cost-of-living pressure
- PRSI — 4.2% employee rate in force; no change expected
- Pension age-banded relief — 15% to 40% tiers
- Help to Buy (HTB) — extension beyond current sunset date
- VAT on hospitality — 9% reduced rate has been politically contested
- Rent credit — currently €1,000/person
Live tracker
_(Populated live on 7 October 2026.)_
Calculator updates
- Income Tax Calculator — USC + PRSI + PAYE updated live
- PAYE Calculator — weekly/monthly take-home
- Pension Calculator — revised relief bands
- Mortgage Calculator — HTB changes flow through
- VAT Calculator — 23% / 13.5% / 9% rates
Our sources
Budget 2027 book (gov.ie), Revenue Commissioners policy guidance, the Minister's speech and the Financial Resolutions passed on the night.
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