I’m moving to Ireland
What it costs, what to arrange before you fly, and what cannot be done from abroad.
9 things here
Most people arrive here from a search, on one page, with one problem. This page is the map: four ways in, and whichever one matches how you are thinking right now is the right one.
What it costs, what to arrange before you fly, and what cannot be done from abroad.
9 things here
PPSN, bank account, Revenue and a tenancy — the four things that block each other.
14 things here
What a salary actually pays, what a permit needs, and why the first payslip is short.
11 things here
What you can borrow, what the extras cost, and the order the process runs in.
10 things here
Residence that counts, the date you can apply from, and bringing family here.
4 things here
A car to import, a licence to exchange, a form that makes no sense. No journey attached.
4 things here
One question per topic, most consequential first.
16 calculators and 5 checklists, if you already know what you want.
In the header of every page, on every part of the site.
What it costs, what to arrange before you fly, and what cannot be done from abroad.
Address, PPSN, bank account and Revenue — what genuinely blocks what, and what only looks like it does.
The whole move in order, from the permit that has to exist before the visa to the Indian bank account that has to be redesignated after you land.
From three weeks before you fly to three months after you land, including the things that cannot be done from abroad.
What you need up front — deposit, first month, setup costs — plus a float to reach your first payday.
Two months of rent up front is the legal maximum and the usual ask. Add setup costs, and a float until your first payslip — which can be five weeks after you start.
You cannot get a PPS number with no address at all, but you can get one without a lease: a letter from where you are staying, or a bill plus a note from the bill holder.
Average rent for the county you pick, plus what a household of your size spends on everything else, from the CSO.
Dublin averages over €2,100 a month and Donegal just over €1,000. The gap between counties is larger than most pay rises, and the CSO publishes it every quarter.
A deposit is capped, the total up front is capped, a rent review needs 90 days notice, and the tenancy has to be registered. None of it depends on how long you have been in the country.
ArrivingCost of livingHousing and renting
PPSN, bank account, Revenue and a tenancy — the four things that block each other.
Address, PPSN, bank account and Revenue — what genuinely blocks what, and what only looks like it does.
The whole move in order, from the permit that has to exist before the visa to the Indian bank account that has to be redesignated after you land.
From three weeks before you fly to three months after you land, including the things that cannot be done from abroad.
What you need up front — deposit, first month, setup costs — plus a float to reach your first payday.
Two months of rent up front is the legal maximum and the usual ask. Add setup costs, and a float until your first payslip — which can be five weeks after you start.
You cannot get a PPS number with no address at all, but you can get one without a lease: a letter from where you are staying, or a bill plus a note from the bill holder.
What the emergency basis takes, what a settled payslip would take, and how much of the difference comes back once the job is registered.
Two of the commonest unclaimed reliefs — rent and health expenses — across the four years you can still claim, with the year that expires this December named.
A resident savings account stops being the right account the day you stop being resident. It becomes an NRO; an NRE is the second account, and the difference between them is repatriability and tax.
Which rule applies depends on which side of the FEMA residence line you are on. The LRS governs money leaving India while you are still resident; once you are not, the NRE and NRO rules take over.
The year you move, both countries can call you resident. Each has its own day count, and a treaty decides which one wins and who gives credit for the other.
A short first payslip is almost always emergency tax, not a mistake in your salary. It stops when the job is registered, and the over-deduction comes back through payroll.
Buy health insurance within nine months of making Ireland your principal residence and you pay no age loading. Miss the window and it is 2% for every year you are over 34, for ten years.
Unless you hold a card you pay the GP fee in full. Prescriptions are capped monthly. Public inpatient care is free since 2023 — the charge that still catches people is the emergency department.
ArrivingMoney and taxHealthcare
What a salary actually pays, what a permit needs, and why the first payslip is short.
Income tax, USC and PRSI on an Irish salary, from the year’s published rates, ending with what lands in your account each month.
The published salary thresholds for each permit type, set against the offer on the table, with the factors that decide the rest named.
Take-home pay after PAYE, USC and PRSI, set against what a month costs in the county you would live in, ending with what is left.
Contract, PPSN, Revenue registration, pension enrolment — in the order that keeps your first payslips whole.
A NARIC statement is free, instant and only advice. The register is what gates a job: engineering transfers under the Washington Accord, nursing and medicine are assessed one by one.
What the emergency basis takes, what a settled payslip would take, and how much of the difference comes back once the job is registered.
Two of the commonest unclaimed reliefs — rent and health expenses — across the four years you can still claim, with the year that expires this December named.
A resident savings account stops being the right account the day you stop being resident. It becomes an NRO; an NRE is the second account, and the difference between them is repatriability and tax.
Which rule applies depends on which side of the FEMA residence line you are on. The LRS governs money leaving India while you are still resident; once you are not, the NRE and NRO rules take over.
The year you move, both countries can call you resident. Each has its own day count, and a treaty decides which one wins and who gives credit for the other.
A short first payslip is almost always emergency tax, not a mistake in your salary. It stops when the job is registered, and the over-deduction comes back through payroll.
Work and payMoney and tax
What you can borrow, what the extras cost, and the order the process runs in.
Three different numbers, which most sites collapse into one: the Central Bank ceiling, what a lender would actually approve after stress-testing you, and what you would be comfortable paying.
Stamp duty at the banded rates, plus the fees you have been quoted, ending with the cash you need on the day.
Three caps apply at once and the smallest wins — usually the tax you have actually paid, not the €30,000 everyone plans around.
The monthly repayment on a rate you have been quoted, and the total interest the term adds — which is the number that decides whether a longer term is worth it.
How much equity the scheme would advance, how Help to Buy cuts it from 30% to 20%, and what buying that share back would cost once the home has changed in value.
Salary to take-home, take-home to what a month costs there, what is left to the deposit the county median actually needs — and whether the loan-to-income limit lets you borrow the rest at all.
The sequence from accepted offer to closing, with what is refundable, what is binding, and where the money goes at each step.
The monthly saving, what switching costs up front, and the number that actually decides — how many months you have to stay before you are ahead.
Ten per cent is the deposit. Stamp duty, a solicitor, a survey and a valuation come on top of it, out of savings, and they are what catch people at closing.
A deposit is capped, the total up front is capped, a rent review needs 90 days notice, and the tenancy has to be registered. None of it depends on how long you have been in the country.
Buying a homeHousing and renting
Residence that counts, the date you can apply from, and bringing family here.
Counts the residence that counts towards naturalisation and tells you the date you can apply from.
Applies the published non-EEA family reunification income thresholds to your own figures, and tells you how far off you are.
The standard route is five years of reckonable residence in the last nine. A spouse of an Irish citizen needs three. Holidays do not subtract from the count.
Three applications in a fixed order: an employment permit, then a visa through VFS, then IRP registration within 90 days of landing. Each has its own fee and its own queue.
Immigration and citizenship
A car to import, a licence to exchange, a form that makes no sense. No journey attached.
If your licence is from a recognised state you swap it for an Irish one. If it is not, there is no swap at all — you start again with the theory test, and the clock on driving here is twelve months.
Your permit decides when family can come and what you must earn. Since May 2024 a General Employment Permit holder’s spouse can work too, on Stamp 1G — timing and income are the real differences now.
Buy health insurance within nine months of making Ireland your principal residence and you pay no age loading. Miss the window and it is 2% for every year you are over 34, for ten years.
Unless you hold a card you pay the GP fee in full. Prescriptions are capped monthly. Public inpatient care is free since 2023 — the charge that still catches people is the emergency department.
Transport and drivingFamily and childcareHealthcare