HiMortgages.ie
Free mortgage calculators for Ireland
Help to Buy Calculator Ireland
Estimate your potential Help to Buy refund based on current Irish Revenue rules, income tax paid, and scheme limits.
This tool provides general information based on publicly available Help to Buy scheme rules in Ireland as of June 2026. It does not constitute financial advice, tax advice, or an official Revenue calculation.
Need an introduction to an authorised broker?
If you ask us to, we can pass your contact details to a named authorised mortgage broker in Ireland. HiMortgages.ie does not review your circumstances, recommend lenders or products, or provide mortgage advice.
Help to Buy Calculator Ireland
The Help to Buy (HTB) scheme can reduce the amount of savings needed when buying or building a new home in Ireland.
This calculator provides an estimate of how much support you may qualify for, based on your income tax paid and current scheme limits.
It is designed as a guide only to help you understand how HTB may contribute towards your deposit and upfront costs.
Understanding Help to Buy in Ireland
The Help to Buy scheme is a government initiative designed to support eligible first-time buyers purchasing or self-building a new home in Ireland.
It works by providing a refund of income tax and DIRT paid over previous years, subject to scheme limits and conditions.
The amount you may receive depends on factors such as your tax history, the property value, and the current scheme rules.
This calculator helps you estimate the level of support you may qualify for and how it could reduce your upfront costs.
Important: This is a guide only. Final figures depend on Revenue rules, eligibility criteria, and your individual tax record.
Frequently Asked Questions
What is the Help to Buy scheme in Ireland?
The Help to Buy scheme is a government support for eligible first-time buyers of new homes or self-build properties, providing a refund of certain taxes paid.
How much can I get from Help to Buy?
The amount depends on your income tax paid and the scheme limits in place, with a maximum cap applying.
Can I use Help to Buy for a second-hand home?
No. The scheme generally applies to new builds and self-build homes only.
Does Help to Buy cover my full deposit?
Not always. It may cover part of your deposit, depending on your eligibility and property price.
Is this calculator an official Revenue result?
No. This is an estimate only and not an official calculation or confirmation from Revenue.
How Much Help to Buy Support Could You Get?
The amount of Help to Buy support available depends on your tax paid, the purchase price of the property, and the scheme limits in place at the time of your application.
For eligible buyers, this support can significantly reduce the amount of cash needed upfront, helping you reach your deposit sooner.
This calculator gives you an estimate so you can better understand how the scheme may support your home purchase.
What Does This Calculator Include?
This calculator provides an estimate by considering:
• Income tax and DIRT paid (within eligible years)
• Property purchase price or build cost
• Current Help to Buy scheme limits and caps
• Estimated contribution towards your deposit
It is designed to give a clear overview of potential support — not a guaranteed figure.
Related Calculators
Disclaimer: HiMortgages.ie provides mortgage calculators and general information only. We are not a lender, mortgage broker, tax adviser, or financial adviser. This calculator is not affiliated with or endorsed by Revenue and does not provide official calculations or approvals.
If you choose to request further information, you may be referred to a regulated mortgage broker or lender. Any such interaction is entirely optional.