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Tax Optimization Playbook

Legal strategies to keep more of your money. The rich don't pay more tax — they know the rules.

Pension Contribution Calculator

Gross Contribution
0
Tax Relief Received
0
Effective Cost to You
0
Your Tax Bracket
40% (Higher Rate)

Every €100 pension contribution costs you only €60

Your Current Tax Situation

Gross Income50,000
Income Tax-€7,850
USC-€1,305
PRSI-€2,050
Net Income38,795
Monthly Take-Home3,233
Effective Tax Rate22.4%
Annual Tax Burden
11,205
That's 934 per month in taxes.

Legal Tax Strategies

Max Out Your Pension

All

Pension contributions get tax relief at your marginal rate. If you're in the 40% bracket, every €100 you put in only costs you €60.

Potential Savings
€2,000-€10,000+ annually
How to implement:

Increase pension contributions through salary sacrifice. Age-dependent limits apply.

Claim All Tax Credits

All

Many people miss out on legitimate credits: rent tax credit (€500), home carer credit (€1,950), tuition fees, medical expenses.

Potential Savings
€500-€3,000 annually
How to implement:

File your tax return properly. Check Revenue.ie myAccount for unclaimed credits going back 4 years.

Contractor vs PAYE Setup

€60k+
PREMIUM

For high earners with flexibility, contracting through a limited company can reduce effective tax rate through dividend strategies.

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Investment Property Strategy

€50k+
PREMIUM

Mortgage interest, maintenance, and depreciation are all tax-deductible against rental income. Losses can offset other income.

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Side Business Deductions

All
PREMIUM

Legitimate business expenses reduce taxable income: home office (€3.20/day), equipment, travel, training, software.

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Capital Gains Tax Optimization

€70k+
PREMIUM

CGT at 33% but with strategic timing and loss harvesting, you can significantly reduce liability.

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Want the Full Tax Optimization Playbook?

Premium members get detailed implementation guides for all strategies, tax planning worksheets, quarterly updates on tax law changes, and access to our tax optimization calculator suite.

Unlock All Strategies - €29/month