Cost of Studying in Ireland 2026: Tuition Fees in INR, Living Expenses & Complete Budget

The cost of studying in Ireland for Indian students in 2026 ranges from approximately €20,000 to €45,000 per year (tuition + living combined) — making Ireland one of the most affordable English-speaking destinations in Europe. With master's tuition starting at just €13,000/year, a minimum wage of €14.15/hr from January 1, 2026, part-time work rights of 20 hours/week during term and 40 hours/week during holidays, and a 24-month Stamp 1G stay-back visa for Level 9 graduates — the cost of studying in Ireland delivers exceptional return on investment. This comprehensive 2026 guide from EEC — 27+ years of experience and 50,000+ students placed globally — breaks down every euro you will spend: tuition by field and university, living costs by city, earning potential at €14.15/hr, health insurance requirements, a monthly budget planner, and education loan options for Indian students.

Tuition Fees for Indian Students in Ireland 2026 — By Field & University

Tuition is the single largest component of the cost of studying in Ireland. Unlike the UK or Australia where tuition can exceed £40,000 or AUD $55,000 per year, Irish universities offer master's programmes starting from just €13,000 per year — with most programmes in the €15,000–€25,000 range. The most expensive programmes are in medicine (€45,000–€55,000/yr for undergraduates) and MBA (€25,000–€35,000/yr), while arts, humanities, and social sciences are the most affordable. Here is the complete tuition breakdown for Indian students:

Trinity College Dublin (QS #87) and UCD (QS #126) charge at the higher end of the range — a Master's in Computer Science at TCD costs approximately €24,000–€30,000, while the same at UCD runs €22,000–€28,000. However, universities like DCU, University of Limerick, Maynooth University, and TU Dublin offer comparable programmes at €13,000–€18,000 per year — saving Indian students €8,000–€15,000 (₹7.4L–₹13.8L). All of these institutions are QQI-accredited and qualify for the same 24-month Stamp 1G stay-back visa. See our cheapest universities in Ireland guide for a full comparison.

Living Expenses for Indian Students in Ireland 2026

Beyond tuition, living expenses form the second-largest component of the cost of studying in Ireland. Indian students should budget between €8,000 and €14,000 per year for living costs — with Dublin at the top of the range and cities like Limerick, Galway, and Cork at the lower end. The Irish immigration authorities require proof of €10,000 in available funds (or €7,000 if tuition has been fully paid) as part of the student visa application. Here is what Indian students typically spend each month:

Accommodation — The Biggest Variable

Accommodation is by far the most significant living expense for Indian students in Ireland. University-managed accommodation in Dublin costs €600–€1,000 per month, while private shared apartments run €500–€800 per month. Outside Dublin, accommodation is 25–40% cheaper: shared flats in Cork cost €400–€600/month, in Galway €380–€550/month, and in Limerick €350–€500/month. Indian students who choose universities outside Dublin can save €2,400–€5,000 per year on accommodation alone. On-campus options — where available — offer the best value and convenience for first-year students.

Food and groceries for Indian students cooking at home average €200–€300 per month. Indian grocery stores are available in Dublin (particularly in areas like Parnell Street, Blanchardstown, and Tallaght), Cork, and Galway. Transport costs depend on the city — Dublin's Leap Card costs approximately €100/month for a student pass, while smaller cities are walkable or require less frequent bus use at €40–€60/month. Mobile phone plans cost €15–€25/month, and health insurance is often included in university fees as a student levy. See our complete Ireland guide for detailed city-by-city advice.

Dublin vs Other Irish Cities — Cost Comparison for Indian Students 2026

Where you study in Ireland has a massive impact on your total budget. Dublin is Ireland's capital and most expensive city — but it also offers the most part-time job opportunities and proximity to tech giants. Cork, Galway, and Limerick are 20–35% cheaper for living costs and offer excellent quality of life. Here is a detailed city-wise breakdown of the cost of studying in Ireland in 2026:

Earning Potential for Indian Students in Ireland at €14.15/hr (2026)

One of the biggest offsets to the cost of studying in Ireland is part-time earning. With the minimum wage rising to €14.15/hr from January 1, 2026 (up from €13.50 in 2025), Indian students have significant earning potential. Stamp 2 allows 20 hours/week during term and 40 hours/week during holiday periods (June 1–September 30 and December 15–January 15). Here is a realistic earning projection for Indian students in 2026:

At approximately €17,800 net earnings per year, Indian students can cover a significant portion — sometimes all — of their living expenses. Students with IT skills, customer service experience, or hospitality backgrounds can often secure roles paying €15–€18/hr, further boosting their income. For a complete list of the best-paying part-time jobs for Indian students, see our part-time jobs in Ireland guide.

Health Insurance & Visa-Related Costs for Indian Students in Ireland

Indian students in Ireland must factor in several visa-related and administrative costs beyond tuition and living. While health insurance is typically included as a student levy within university fees, some institutions charge it separately. Here is a breakdown of the additional costs for 2026:

The student visa application fee varies by nationality and is submitted through VFS Global (processing takes 4–8 weeks). The IRP (Immigration Registration Permission) card — which replaced the old GNIB card — costs €300 and must be renewed annually. Indian students must also show €10,000 in available funds (or €7,000 if tuition is fully paid) to satisfy the financial requirements for the student visa. Health insurance, where charged separately, typically costs €150–€500 per year depending on the provider and cover level. Most universities include a student levy of €100–€250 per year that covers basic health services on campus. See our Ireland visa guide for the complete cost checklist.

Monthly Budget Planner for Indian Students in Ireland 2026

Here is a realistic monthly budget for an Indian student living in Dublin (the most expensive city) and one for Cork/Galway/Limerick (more affordable). This budget assumes shared accommodation, home-cooking, and moderate social spending — the lifestyle most Indian students maintain. Use this to plan the true cost of studying in Ireland for your specific situation:

“I budgeted €1,100/month for Cork — including rent, food, transport, and fun. My part-time job at a tech company paid €16/hr. I actually saved money every month while doing my master's.”

— Ananya Desai, MSc Business Analytics, UCC — Now at Pfizer Cork

The numbers show that Indian students in Dublin should plan for €12,000–€17,500 per year in living costs, while those in Cork, Galway, or Limerick can manage with €9,000–€13,700. When combined with annual earnings of €17,800–€22,000 from part-time work, most Indian students can cover their living expenses and sometimes contribute towards tuition as well. Read our complete Ireland guide for a holistic view of costs and opportunities.

Education Loan Options for Indian Students Studying in Ireland

For Indian students who cannot self-fund the full cost of studying in Ireland, education loans are a well-established pathway. Indian banks including SBI, Bank of Baroda, Punjab National Bank, HDFC Credila, and Avanse Education Loans offer dedicated study-abroad loan products covering tuition, living expenses, travel, and visa costs. The typical loan amount ranges from ₹10 Lakhs to ₹1 Crore, with interest rates between 8.5% and 12.5% per annum (2026 rates). Collateral-free loans up to ₹7.5 Lakhs are available for students with strong academic profiles.

EEC's banking partners offer competitive loan packages specifically structured for Ireland-bound Indian students. Key features include moratorium periods of study duration + 6–12 months, flexible repayment tenures of 10–15 years, and coverage of 100% of tuition plus living costs. The Government of India's Vidyalakshmi portal also lists multiple banks offering education loans for studying abroad, and Indian students from economically weaker sections may qualify for interest subsidy schemes.

Scholarships can significantly reduce your loan requirement. The Government of Ireland International Education Scholarship (GOI-IES) covers tuition plus a €10,000 living stipend for master's and PhD students. University-specific scholarships at TCD, UCD, UCC, and Galway offer €2,000–€10,000 in fee waivers. Indian students should apply for every available scholarship before finalising their loan amount. Contact EEC for scholarship eligibility assessment.

The bottom line: The total cost of studying in Ireland for a 1-year master's programme in 2026 ranges from €22,000 to €52,000 all-in (tuition + living) — approximately ₹20L to ₹48L at current exchange rates. With annual earnings of €17,800–€22,000 from part-time work, the effective out-of-pocket cost can be reduced to €4,000–€30,000 for the entire year. And with 24 months of Stamp 1G after graduation — earning €29,000+ per year at minimum wage (full-time) — the return on investment is exceptional. Indian students who plan smart, choose the right city, and leverage scholarships can make Ireland one of the most affordable English-speaking study destinations in the world. Book a free consultation with EEC today and let our Ireland cost specialists build your personalised budget. Visit your nearest EEC centre for in-person guidance.

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