What's your real take-home pay in Ireland?
Enter your salary and see exactly what lands in your account after Income Tax, USC, PRSI and pension — for the year, month, week and day.
How Irish take-home pay is calculated
Your take-home pay is what's left of your salary once the compulsory charges come out. For 2026, in the Republic of Ireland, three things are taken from a single PAYE employee's salary, and a pension contribution is optional:
Income Tax
Income Tax has two rates: 20% on the first €44,000 you earn (the standard-rate cut-off for a single person), then 40% above that. Your tax credits are then subtracted from the bill — a single PAYE employee gets the €2,000 Personal Tax Credit plus the €2,000 Employee (PAYE) Tax Credit, so €4,000 comes straight off the tax due. Credits reduce the tax, not the income. (Rates: Revenue, 2026.)
USC (Universal Social Charge)
USC is charged on your gross income once it goes above €13,000 — earn €13,000 or less and you pay none at all. Above that it applies in bands: 0.5% up to €12,012, 2% up to €28,700, 3% up to €70,044, and 8% on anything higher. (Revenue, 2026.)
PRSI
Employees pay Class A PRSI on their gross pay — nothing if you earn €352 a week or less. The rate rises from 4.2% to 4.35% on 1 October 2026, so for a full-year figure this calculator uses a blended 4.2375% (and 4.125% for 2025). (gov.ie / Citizens Information, 2026.)
Pension
A pension contribution gets Income Tax relief at your marginal rate, so it lowers your Income Tax bill — but USC and PRSI are still charged on your full salary. Money going into your pension is still yours; it's just saved rather than spent.
Common questions
Which tax year does this use?
It defaults to 2026 and you can switch to 2025. The Income Tax bands and tax credits are the same in both years; USC's 2% band and the employee PRSI rate differ.
Is this the same as my payslip?
It will be very close. Real payroll assesses USC and PRSI per pay period and can include other credits or reliefs — such as married or two-income standard-rate bands — that this simple version doesn't model yet.
Why is the PRSI rate 4.2375%?
Employee PRSI rises from 4.2% to 4.35% on 1 October 2026, so for a whole-year figure we blend the two — nine months at 4.2% plus three at 4.35% — giving 4.2375%. The 2025 year uses 4.125% for the same reason.
Does it handle a married couple or two incomes?
Not yet. It assumes a single PAYE employee with the €44,000 standard-rate cut-off and €4,000 of personal and PAYE tax credits. Married and two-income bands are planned.
Where do the figures come from?
Rates and thresholds are taken from Revenue, gov.ie and Citizens Information for the selected tax year. Results are estimates and not financial advice.