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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