Insurance & protection
Income Protection Tax Relief Calculator Ireland
Estimate approved premium deduction within the 10%-of-income limit. This free income protection tax relief calculator ireland shows the calculation and its assumptions so you can compare your own figures.
Your results
Estimate approved premium deduction within the 10%-of-income limit.
Calculated outcomes
- Unrelieved Premium
- €0.00
Assumptions and estimates
- Approved personally paid permanent health/income-protection premiums: Income Tax deduction limited to 10% of total income. Tax saving uses 40% only against entered higher-rate income then 20%, capped by available Income Tax. Confirm policy approval and the income definition. No USC/PRSI relief; employer-paid benefits have separate rules.
- Method: Deduct qualifying premium up to 10% of total income; relieve at 40% against higher-rate income then 20%, capped by Income Tax.
- Rates/conditions reviewed against the linked official sources on 5 October 2026. Confirm the stated scope before relying on the result.
Sources: Official rules and guidance
Useful next steps
- Use Compare options to test an alternative side by side.
- Check the official sources above before relying on the figure.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the income-protection premium relief calculation works
Deduct qualifying premium up to 10% of total income; relieve at 40% against higher-rate income then 20%, capped by Income Tax.
Rates/conditions reviewed against the linked official sources on 5 October 2026. Confirm the stated scope before relying on the result.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review estimated premium tax relief and allowable premium, then read the stated assumptions and eligibility conditions before using the result.
Official sources and further information
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Approved personally paid premium (€)
- 1800
- Relevant total annual income (€)
- 50000
- Income remaining taxed at 40% (€)
- 6000
- Income Tax available to offset (€)
- 5000
- Estimated Premium Tax Relief
- €720.00
- Allowable Premium
- €1,800.00