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Everything below is set up for you by your own senior advisor.
Or Freephone 1800 808 808 and a senior advisor takes it from there.
Capital Acquisitions Tax takes 33% of what each child inherits above €420,000. A senior advisor shows your family's bill in euro, then uses gifts, reliefs and Section 72 cover so nothing has to be sold to pay it.
Rough figures are fine and everything is confidential. Tell us what you own and who it is for, and a senior advisor is in touch with your family's likely tax bill.
Tax relief, contribution limits and the right plan differ between the three.
Stored securely, never sold. Used only to come back to you about your request.
A confirmation email is on its way to you, and a senior financial advisor is reviewing what you sent and will be in touch. Want to get ahead in the diary? Book your discovery call, or Freephone 1800 808 808.
Capital Acquisitions Tax, or CAT, is the tax on gifts and inheritances. The person who receives pays it, at 33% on everything above their threshold.
The threshold depends on their relationship to you, and it counts everything they have received in that group since 5 December 1991. Gifts and inheritances between spouses and civil partners carry no CAT at all.
Raised in Budget 2027 for gifts and inheritances taken on or after 7 October 2026.
| Group | Who receives | Threshold now | Before 7 October 2026 |
|---|---|---|---|
| A | Your child, including an adopted child or stepchild | €420,000 | €400,000 |
| B | Your brother, sister, niece, nephew, grandparent or grandchild | €44,000 | €40,000 |
| C | Anyone else | €22,000 | €20,000 |
Each person can receive €3,000 a year from you with no CAT, and it does not count towards their threshold. Two parents giving each of two children €3,000 a year move €12,000 a year out of the estate.
A home can pass with no CAT under the dwelling house exemption, where strict conditions on living there before and after the inheritance are met.
A will decides who gets what, and how it passes decides the tax. It must be signed in front of two witnesses, and a gift to a witness is not valid. Without a will the law decides: a spouse with children gets two thirds and the children share one third, whatever you intended.
Your solicitor drafts the will. We make sure the money side matches it: who pays the tax, where the cash comes from, and how your pension and cover pass on.
Tom and Ann are in their sixties. Their home, savings and a rental property come to €1.2 million. Their wills leave everything to each other, then equally to their two children.
What the plan showed:
Figures assume no earlier gifts or inheritances in Group A and are illustrative.
What you own, who it is for and whether you have a will. Two minutes on the form.
Child by child, at today's thresholds, in euro.
Gifts, reliefs and cover, with what each one saves.
Alongside your solicitor and your accountant where needed.
Section 72 or 73 policies compared across the main Irish providers.
As the estate grows and the rules change.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
The person who receives the gift or inheritance. Each beneficiary has their own threshold, set by their relationship to you.
Yes. From 7 October 2026 the Group A threshold rose to €420,000, Group B to €44,000 and Group C to €22,000. The rate stays at 33%.
No. Gifts and inheritances between spouses or civil partners carry no CAT. The tax usually arises when the second spouse dies and the estate passes to the children.
Yes. Each person can receive €3,000 a year from you with no CAT and no effect on their threshold. Larger gifts count towards their threshold in the same way as an inheritance.
Section 72 is life cover that pays inheritance tax on your death. Section 73 is a savings plan, held for at least eight years, that pays gift tax on gifts you make in your lifetime.
For the will, yes. We plan the money side alongside your solicitor and your accountant.
Yes, and you should. We review it after any big change: a marriage, a separation, a birth, a sale or a change in the tax rules.
Checked 8 October 2026.
Two minutes on the form. A senior advisor is in touch with the bill and the plan to cover it.