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Plan your budget

Cost of Care Estimator

See the weekly and monthly cost of live-in care at each care level, and how much of that cost you could get back through Revenue's Relief for Employing a Carer. Adjust the pension income slider and options below to match your situation.

Estimate detailSwitch between a quick estimate and the full breakdown at any time.
€44,000
€15,000€100,000

To claim the full 40% rebate on this much care, the person claiming needs a gross income of at least €76,299 — below that, part of the cost is only relieved at the lower rate.

Care level
Weekly hours
Living costsGroceries and utilities you provide for a live-in carer, not eligible for care tax relief.
Groceries & utilities€130/week
€100€160
Service cost add-onsOptional fees added to your out-of-pocket cost. These do not change the tax relief calculation.

Payroll setup & service

Adds €59/month (incl. VAT) for a managed payslip service

Accounting & tax filing

Adds €72/month (incl. VAT) for annual accounting

Tax credit customizerAdd the credits that apply to the claimant. These adjust the tax baseline used for the relief.
Your estimate

Carer Plus · 35h/week

What makes up the cost of care (per month)
Carer gross pay€2,169
Employer PRSI€195
Future Fund pension (1.5%)€33
ALHomecare training & support€295
Groceries & utilities€563
Cost of care€3,255
Tax rebate per month−€538
Effective relief rate20.0%
Net cost of care per month€2,153
Total out-of-pocket per month€2,717
Base tax€8,800
Tax after relief€2,340
Credits applied€0

Estimated under Revenue's Relief for Employing a Carer, which relieves qualifying care costs (up to €75,000/yr) at your marginal income tax rate, after tax credits and up to what you actually pay in income tax. Groceries, utilities and optional services are not relievable. This is an illustrative estimate only, not tax advice — actual relief depends on your full tax position and is claimed via myAccount or Form HK1.

How this compares

Live-in care vs. a nursing home

Reference costs for residential nursing home care in Ireland, compared against your full out-of-pocket estimate above. Your relative stays in their own home either way.

Your live-in care estimate of €2,717/month (after tax relief, including living costs) is €4,217 less per month than the average private nursing home, and €2,540 less per month than the state-supported Fair Deal average.

Nursing home figures are indicative reference costs based on the National Treatment Purchase Fund's published 2024 average Fair Deal negotiated rate and typical private market rates. Fair Deal is means-tested and contributions vary — this is not a quote.