What it models

Irish tax, pensions and property, worked the way they really work

Every month of two lives, through 512 futures: pay and payroll tax, pensions from contribution to draw, the State's payments, property and its taxes, investments lot by lot, and what happens at a death. Each area below says what is modelled, with examples from the demo's households and the dashboard pages that show it.

Income tax, USC and PRSI

PAYE as a payroll works it, every credit, USC, and PRSI by each person's class.

Capital and investment taxes

CGT, CAT, DIRT, exit tax and deemed disposal, lot by lot.

Pensions and auto-enrolment

Contributions and relief, the lump sum, ARF and annuity, the threshold, and death.

The State Pension and social welfare

Each person's record, deferral, the qualified adult, the bereaved, benefits and Fair Deal.

Property and mortgages

The home and every other property: loans, rents, sales, moves and their taxes.

Savings, investments and cash flow

Every kind of holding, funds with their own mix and charge, and the order money is raised in.

People and life events

Ages, lifespans, health and care, work and job loss, children, spending.

Couples and the first death

Two lives, either dying first, married or cohabiting, what passes and how it is taxed.

Markets and the 512 futures

Inflation, shares, rates, property and crises, drawn 512 times.

What the adviser sees

The Overview, the question pages, Try a change, the decisions, Your plans, the brief.

How it is checked

Revenue's own worked examples, the law register, identities to the cent, the pack.

What it does not model

Said plainly, with the reason for each.

Figures named, not printed here

These pages name each rate, band, credit and threshold rather than print it: the figures are the current law's, kept in a register with the section of the Act that sets each one, and updated within two weeks of each Finance Act.

See it on a real client

Every page of the dashboard is in the demo, on example households, with their brief and pack.

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A modelling tool for regulated advisers. It recommends no product; the advice remains yours.