Chapter 2 of 10 · Schemes and grants · Help to Buy calculator

Help to Buy calculator

How much Help to Buy could I get?

Checked 21 Oct 2026the Taxes Consolidation Act 1997, section 477C, as amended.

Help to Buy gives first-time buyers of a new home back some of the income tax they paid. Enter the price, the mortgage and the tax you paid, and the tool shows the lowest of the three limits. It also checks whether the home fits the rules.

The home and the buyers

What are you buying, and who is buying it?

Date you applyToday, unless you applied already. The most the scheme pays changed on 7 October 2026.PriceThe price you agreed. On a self-build, the value the lender put on the finished home.MortgageThe loan you are taking. Leave it blank if you do not know yet; the scheme needs it to be most of the price.Income tax and DIRT paid over the last four yearsAdd up the income tax and DIRT (tax on savings interest) you paid in the four tax years before you apply. Revenue's myAccount shows the figures. Leave it blank if you do not know.Everyone buying is a first-time buyerNobody on the application has owned or built a home before, here or abroad.It is a new build or a self-buildBought new from a builder on Revenue's list, or built by you. A second-hand home does not qualify.

The tool applies the published rules to your figures. Revenue decides each application, and the builder must be on Revenue's list of qualifying contractors. It does not check your tax record or your tax clearance.

What are you buying, and who is buying it?

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