Real Time Tax Rebates

If you’re employed and paying PAYE in Ireland, you don’t have to wait until January to get a tax refund.

Many people overpay tax during the year simply because their tax credits are not fully up to date with Revenue. At Irish Tax Rebates, we now review and correct your tax in real time, so you can pay less tax straight away and increase your take-home pay in 2026.

This is what we call a Real Time Rebate.

Contents

• What Is a Real Time Rebate?
• How Does It Work?
• Why Do People Overpay Tax in Ireland?
• Can You Really Pay Less Tax During the Year?
• How Is This Different From a Standard Tax Refund?
• Who Should Consider a Real Time Rebate?
• Is There a Fee?
• How to Reduce Your Tax in 2026
• Final Thoughts
• FAQs

Key Takeaways

• A Real Time Rebate corrects your 2026 tax credits during the year, rather than waiting until the year has ended.
• If you have already overpaid, you get the refund through your wages, usually on your next payslip.
• For the rest of the year you pay the correct amount of tax, so your take-home pay goes up.
• Common reasons for overpaying include an unclaimed Rent Tax Credit, medical expenses, emergency tax and changing job.
• Our fee is 10% + VAT of the tax saving we secure, with no upfront charges.

What Is a Real Time Rebate?

A Real Time Rebate is when your tax credits are reviewed and corrected during the current tax year, rather than after the year has ended.

Instead of applying for a refund in 2027 for tax you overpaid in 2026, we adjust your 2026 tax credits now. This allows you to:

• Receive a lump sum refund in your wages if you have already overpaid
• Pay less tax for the rest of the year
• Increase your take-home pay straight away

It is one of the most effective ways to reduce PAYE tax in Ireland.

How Does It Work?

When we identify that you are due a 2026 tax saving:

1. We submit the necessary claims to Revenue.
2. Revenue updates your tax credits and issues you an amended Tax Credit Certificate.
3. Revenue sends the updated details to your employer, who applies them through payroll.

What happens next?

1. Lump Sum Refund Through Payroll

If you have already overpaid tax in 2026, this is corrected through payroll, usually on your next payslip. You should see a lump sum refund included in your wages.

2. Higher Take-Home Pay Going Forward

For the rest of the year, your tax credits will be properly allocated. This means you will pay the correct amount of tax and avoid further overpayments.

In simple terms, you receive part of the benefit straight away and the rest across your future payslips.

Why Do People Overpay Tax in Ireland?

There are several common reasons:

• Tax credits not fully allocated to your job
• Changing job during the year
• Being placed on emergency tax
• Not claiming the Rent Tax Credit (worth up to €1,000 a year, or €2,000 for jointly assessed couples)
• Not claiming tax relief on medical expenses
• Not claiming credits such as the Dependent Relative, Home Carer or Single Person Child Carer Credit

Revenue does not automatically check all of these for you. That is why many PAYE workers only discover they were due money back after the year has ended.

Can You Really Pay Less Tax During the Year?

Yes. If your tax credits are updated correctly, you can legally reduce the amount of PAYE deducted from your wages.

This is not tax avoidance. It is making sure you are taxed correctly. A Real Time Rebate simply speeds up the process.

How Is This Different From a Standard Tax Refund?

With a standard tax refund:

• You wait until the year ends
• You complete an Income Tax Return and receive a Statement of Liability
• Your refund is paid into your bank account

With a Real Time Rebate:

• Your tax is corrected during the year
• Your refund comes through payroll
• Your take-home pay goes up straight away

It is faster and more proactive.

Who Should Consider a Real Time Rebate?

This service is particularly useful if you:

• Changed job in 2026
• Were placed on emergency tax
• Pay rent
• Have medical expenses
• Support a dependent relative
• Have not reviewed your tax credits or PAYE position this year

If you are unsure whether your tax credits are correct, it is worth reviewing your position now rather than waiting.

Is There a Fee?

Irish Tax Rebates operates on a 10% + VAT fee structure, applied to the total tax saving we secure for you.

For example, if we secure a €1,000 tax saving for 2026:

• You receive the full benefit through payroll
• Our fee is €100 + VAT (€123 in total)
• Your card is only charged once the adjustment has been processed and verified

There are no upfront charges.

How to Reduce Your Tax in 2026

If you want to pay less tax in Ireland this year, the most important step is making sure your tax credits are fully up to date. At Irish Tax Rebates, we:

• Review your current tax position
• Identify any missing credits or reliefs
• Submit the claims to Revenue
• Make sure your payroll reflects the correction

So you get the benefit as soon as possible.

Final Thoughts

Many PAYE workers in Ireland only review their tax once a year. But tax does not have to work that way.

If you are overpaying in 2026, you can correct it now. A Real Time Rebate means you are not giving Revenue an interest-free loan for the rest of the year.

If you would like us to review your 2026 tax position, get in touch and we’ll let you know where you stand.

Start Your Real Time Rebate Now

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FAQs