Budget 2027: What It Means for Dentists

Budget 2027 introduces several changes that could be relevant to dentists — from personal tax and pension planning to investments and family wealth.  

Some of the key changes include:

Changes from 7 October 2026

- Capital Gains Tax - reduces from 33% to 31% for disposals from 7 October 2026

Changes from 1 Jan 2027

- The standard-rate cut off point - increases by €2,500 to €46,500

- Pensions – Standard Fund Threshold – increases from €2.2m to €2.4m

A significant development is the introduction of the new Investment Account from 1 July 2027. Individuals will be able to contribute up to €12,000 each year, with no CGT, exit tax or eight-year deemed disposal within the account. Instead, a 1% annual tax will apply to account values above €50,000.

For dentists building pensions and investments independently, these changes create another reason to review how your pension, personal investments and longer-term family wealth strategy work together.

Budget measures remain subject to Finance (No. 2) Bill 2026 and subsequent guidance.

Reference: Zurich, Budget 2027 – Key Updates for Financial Brokers, 6 October 2026.

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