Salary question, working in ROI live in NI

[Cafog]

Hi folks, desperately need to make some changes, working (and living) full time in NI at present on a salary of approximately £40k. I've just came across a similar role at the same grade about 30 miles away over the border with a FTE of €56k, but is a half time role, so pro rata €28k.
I put the figures into an Irish pro-rata salary calculator, including pension, and came up with approx €2K net pay a month. Add in that I can claim child benefit for my 3 children it's looking like if i got this role my salary would be only around £100 less than my FT role. Can these figures possibly be correct or am I missing something glaringly obvious. I'd would be so grateful for any advice.

There's no tax threshold on ROI tax whereas the NI tax threshold is currently around £12570 I believe. So you pay 20% on the lot in ROI. Has the calculator factored that in? If so, you're probably grand (and also possibly eligible for the free childcare in ROI??).

Have you looked up the Border People website? It's good for some info but lacking in other areas, might have something helpful there, now.

Also factor in PRSI.

Do you have a PPS number already? That makes everything a lot easier.

Where are you claiming the child benefit? I believe if you're paying PRSI you get the CB from the South but I struggled to actually sort this out.

@SisterMichaelsHabit no no PPS number, born and rared and always lived in Tyrone. The calculator put in an automatic tax allowance of 3k, when i changed status to married it changed to 5K, no idea what that means. And yes the was a PRSI figure in there too. At the moment I'm claiming UK child benefit, but a friend in similar circumstances has been able to change that to claiming it in Ireland, but an accountant with knowledge of both systems sorts it all out for her.

I've also heard of that website will have a good look now. Thanks for this x

The calculator put in an automatic tax allowance of 3k, when i changed status to married it changed to 5K, no idea what that means

Oh that's very interesting. Also, as we lived in Donegal, I was self-employed in Donegal and DH worked in England, I'm not 100% sure what happens with your husband if you live in NI and he's working in NI and you're working in ROI, as usually if you live (and one of you works) in the South you both get taxed together and have to set up a joint tax account. I was taxed on everything from €0 up when we lived over there (the PRSI threshold was higher than that, though, I think it was about €8k), but I was self-employed, so maybe it's different. We left July 2022, so there's also the possibility things have changed. I know they did change the funded free childcare rules the month after we left.

I really had trouble finding an accountant who could do both, I tried a man in Letterkenny but he had no understanding of the NI system, and I tried a company in Strabane but they never called me after I left a message, so I ended up having to do my own tax returns. 🙄

Also, if you do have to set up a tax account, I strongly recommend you get a ROI simcard if you don't have one already, as they require 2-factor authentication for every login and it's a bit hit and miss with +44 numbers.

How will you claim ROI child benefit? I live in ROI and claim child benefit and have to prove my kids live in the ROI by sending in school or GP information. They don't really seem interested in my employment details for child benefit purposes.

Although I have managed to claim for my kid who was attending school in the UK (boarding) but it was a huge struggle and pain in the neck.

@ticketstickets I'm really not sure, this friend said it's one of the reasons she and a lot of her colleagues work in the HSE rather than the NHS, as well as the much better pay for similar roles...I presumed it was because she paid tax to ROI.
@SisterMichaelsHabit sounds complicated!!

Apart from that above, if you live in NI and commute, and have a UK bank account will you not face charges monthly to change from euro to sterling?
How does that work?

@JetBlackSteed again I have no idea. I literally just saw this post advertised this evening. I would presume it would get paid into an Irish bank account. Could I then use revolut or similar to convert it foc? And @ticketstickets I checked out the CB question using the border people website recommended above, if you live in the North but work in the South you can claim CB from the South as long as you apply within 12months of starting said job.

I suppose at least you're paying tax on your income to Ireland to get it.

I live in NI and as far as I know if you live in NI and work in ROI you are liable for tax in both jurisdictions - so you might pay less tax to the ROI govt but have to pay the difference to the HMRC (it’s capped at the higher rate).