Rental calculator
What one home to let would cost to buy, what it would earn, and what is left after the mortgage, running costs and tax on the rental profit. Your figures stay in this page and its link.
Started from F94 · Bundoran in the area yield screener
The price is the area’s median and the rent the RTB average for nearby towns, across all homes let. Change both to match the home you are looking at. Back to the screener
Enter the purchase price
Results appear as you type: cash needed, yield, cash flow after tax and the rent you need to break even.
The rates used
From one versioned file. Every rate was last checked against its source on 8 November 2026.
Show every rate and its source
- Stamp duty1% to €1,000,000, 2% to €1,500,000, 6% above €1,500,000Source
- Income tax20% and 40%. Single person's cut-off: €44,000 in 2026, €46,500 in 2027Source
- USC, 20260.5% to €12,012, 2% to €28,700, 3% to €70,044, 8% above €70,044Source
- USC, 20270.5% to €12,012, 2% to €30,300, 3% to €70,044, 8% above €70,044Source
- PRSI on rental profit4.2375% on 2026 income and 4.3875% on 2027 income (blended across the October rate changes), once unearned income passes €5,000Source
- Rental income relief2026 and 2027: The lowest of the cap, 20% of the rental profit, and the income tax on that profit. It reduces income tax only, not USC or PRSI, and cannot create a refund. The tenancy must be registered with the RTB, and you must be up to date with LPT and hold tax clearance on 31 December. Clawed back if, within four years of the first year you claim, you stop letting any home you let that year (selling it, a short-term let or a let to a relative).Source
- Mortgage interest100% deductible if the tenancy is registered with the RTB. Capital repayments are never deductible.Source
- FurnishingsWear and tear at 12.5% a year for 8 yearsSource
- Local Property TaxNot deductible. Basic charge from the 2026–2030 bands: €95 up to €240,000, rising to €3,110 at €2,100,000, before your council's adjustmentSource
- LPT by council, 2027Carlow County +15%, Cavan County +25%, Clare County +15%, Cork City +15%, Cork County +15%, Donegal County +15%, Dublin City 0%, Dún Laoghaire-Rathdown County −15%, Fingal County −5%, Galway City +15%, Galway County +15%, Kerry County +10%, Kildare County +10%, Kilkenny County +15%, Laois County +20%, Leitrim County +25%, Limerick City and County +15%, Longford County +15%, Louth County 0%, Mayo County +10%, Meath County 0%, Monaghan County +15%, Offaly County +15%, Roscommon County +15%, Sligo County +25%, South Dublin County −7.5%, Tipperary County +15%, Waterford City and County +15%, Westmeath County +15%, Wexford County +15%, Wicklow County +6%Source
- RTB registration€40 a tenancy a yearSource
- Buy-to-let mortgagesUsually capped at 70% of the priceSource
These tools give estimates for research only. They are not financial, tax or legal advice. Tax and rent rules change. Figures use the rates shown, last checked on 8 November 2026. Check your own position with a tax adviser and the RTB before buying.