A new tax-free investment account, a bigger rent credit and more Help to Buy. Staff will ask HR about all of it. Here are the facts you can share, and where to draw the line.
Key points for employers
- ConfirmedNew investment accounts from July 2027, up to €12,000 a year.
- ConfirmedNo tax on account value up to €50,000, then 1% a year on the excess.
- ConfirmedRent tax credit up to €1,150 single, €2,300 couple.
- ReportedHelp to Buy rises to €35,000 for first-time buyers.
The money measures staff will ask about
| Measure | What changes | Who acts |
|---|---|---|
| Investment accounts | Up to €12,000 a year, tax free up to €50,000, from July 2027 | Employee |
| Rent tax credit | €1,000 to €1,150 single, €2,300 couple | Employee via myAccount |
| Help to Buy | Up to €35,000 towards a deposit, homes up to €500,000 | Employee via Revenue |
| Exit tax on funds | Down 3 points to 35% | Employee |
Where HR should draw the line
HR can share facts, dates and links to official sources. HR should not tell anyone whether to invest, save into a pension or buy a home. That is regulated financial advice. A simple line in your note works: “For advice on your own situation, speak to an independent financial adviser.”
A low-cost wellbeing win
Many employers now run a short lunchtime session on money matters each year. Budget season is the natural time to do it. Invite a pension provider to explain auto-enrolment and My Future Fund, and point staff to Revenue myAccount to claim credits they are missing. The rent tax credit alone is often unclaimed.
More on Budget 2027 for employers
Back to the Budget 2027 live hub
Sources and how we check figures
Figures are from the Budget speeches and Budget day reporting. Items marked Reported should be checked against the final Budget documents on gov.ie and Revenue guidance. This page is general information, not legal, tax or financial advice.