Sources

Punt’s content, calculators, and explanations are built on authoritative Irish government and regulatory sources. Where we state a number, rate, or rule, it comes from one of the following.

Ireland's tax authority. The primary reference for all income tax, USC, and PRSI rates, bands, and credits.

Used for

  • PAYE rates and cut-off points
  • USC bands and exemptions
  • PRSI class A rates
  • Tax credits (personal, PAYE, PRSI)
  • Pension contribution relief limits by age
  • Help to Buy scheme eligibility and rebate mechanics

The government department responsible for social welfare, PRSI, and the auto-enrolment pension scheme.

Used for

  • Auto-enrolment phase rates and timelines
  • PRSI class definitions
  • Social welfare entitlements

SUSI (Student Universal Support Ireland)

www.susi.ie

Ireland's central student grant authority. All grant eligibility criteria, reckonable income thresholds, and award amounts come directly from SUSI's published guidelines.

Used for

  • Adjacency and non-adjacency grant rates
  • Income thresholds and reckonable income rules
  • Postgraduate and part-time eligibility
  • Application deadlines and documentation requirements

Residential Tenancies Board (RTB)

www.rtb.ie

The statutory body that regulates the rental sector in Ireland. All tenant rights, notice periods, and Rent Pressure Zone rules are sourced here.

Used for

  • Notice periods for rent increases and terminations
  • Rent Pressure Zone rules and rent increase limits
  • Deposit protection rules
  • Dispute resolution process

Central Bank of Ireland

www.centralbank.ie

Ireland's financial regulator. Source for mortgage lending rules, APR definitions, and consumer credit regulations.

Used for

  • Mortgage loan-to-value and loan-to-income limits
  • APR calculation methodology
  • Consumer credit regulations

Citizens Information

www.citizensinformation.ie

The Irish government's public information service. Used to cross-reference explanations of rights, entitlements, and financial processes.

Used for

  • Employment rights and entitlements
  • Social welfare eligibility
  • Housing rights and obligations
  • General financial rights

MABS (Money Advice and Budgeting Service)

www.mabs.ie

Ireland's free, government-funded money advice service. MABS provides confidential guidance on budgeting, debt, and money management. Punt references MABS as a public resource; there is no formal affiliation.

Used for

  • Practical money management guidance
  • FiRe Up Financial Wellbeing course
  • Debt and credit advice framing

CCPC (Competition and Consumer Protection Commission)

www.ccpc.ie

Ireland's consumer protection body. Provides plain-English financial guides and comparison tools used as a reference for consumer credit content.

Used for

  • Loan and credit card comparisons
  • Consumer rights in financial products
  • Moneylender regulations

All rates are reviewed periodically. If you spot something out of date, let us know.

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