Ireland: a third of the sticker price is tax, and the tax is charged on itself
There is no tax box on this page because Irish advertised prices already contain everything. What that hides is how much. On a EUR 35,000 petrol car emitting 130 g/km, roughly EUR 11,524 of the price is tax, about 32.9% of what you finance.
It breaks down as Vehicle Registration Tax of EUR 6,125, at the 17.5% band rate, and VAT at 23% of about EUR 5,399 on what is left, leaving an ex-tax car of around EUR 23,476.
VRT runs in twenty CO2 bands, from 7% at 50 g/km or below to 41% above 190 g/km, on rates in force since 1 January 2022. A nitrogen oxide levy is charged on top, at EUR 5 per mg/km for the first 40 mg, rising to EUR 25 per mg above 80.
VRT is charged on a price that already includes VRT
This is the part that catches people out, and it is not a rounding quirk. VRT is a percentage of the Open Market Selling Price, which is Revenue's own assessed retail price for that model, built from trade guides and advertisements. Revenue says plainly that the OMSP is usually a little different from the invoice value.
The OMSP is a retail, tax-inclusive figure. So the base VRT is charged on already contains VRT and VAT. That is why the effective tax share climbs faster than the headline band rate suggests, and why two cars with the same list price but different emissions can differ in loan size by thousands.
What this means for the figures on this page
Because the tax is inside the price, a trade-in reduces what you borrow euro for euro of its equity and nothing more. There is no Irish equivalent of the American trade-in tax credit, so the only saving is the interest you avoid on a smaller loan.
If you are pricing an electric car, note the relief before you take the list price at face value: up to EUR 5,000 off VRT for battery electric vehicles registered before the end of 2026, in full to an OMSP of EUR 40,000, tapering to EUR 50,000 and nil above it.
One market convention worth knowing when you set the term: a large share of new Irish cars are sold on PCP rather than a plain amortising loan, which ends in a balloon payment this calculator does not model. If your quote has a guaranteed minimum future value at the end, the monthly figure here will not match it.