Free tool · Ireland•Free · no sign-up•2026 rates · Updated 15 August 2026
PZak Carolan · The People's PocketFigures verified at source · free, no sign-up
Want to know your real pay after tax? Pop in your salary and this free calculator shows your take-home after income tax, USC and PRSI — with a full yearly, monthly and weekly breakdown, using the official 2026 rates. It runs entirely on your device; nothing is saved.
Work out your take-home pay
About 30 seconds. Nothing is saved or shared: it all runs on your device.
Estimate for PAYE employees on 2026 rates: income tax, USC and PRSI, worked out by the same engine as every calculator on this site. PRSI is charged at the rate in force today. It doesn't cover benefit-in-kind, flat-rate expenses or self-employment. Always confirm with Revenue.
How take-home pay works in Ireland
Three things come off your gross salary before it hits your bank account:
Income tax (PAYE) — 20% on income up to your standard-rate band (€44,000 for a single person in 2026), and 40% on anything above. Your tax credits then reduce the tax due — a single employee gets a €2,000 (€2,125 from January 2027) personal credit plus a €2,000 (€2,125 from January 2027) employee (PAYE) credit.
USC — the Universal Social Charge, from 0.5% up to 8% depending on your income. You're exempt if you earn €13,000 or less.
PRSI — 4.35% for most employees from 1 October 2026 (4.2% before that). You pay none if you earn €352 a week or less, if you're over 70, or from 66 if you get the State Pension (Contributory).
The pension trick: pension contributions get income-tax relief at your marginal rate. For a higher-rate taxpayer, putting €100 into a pension only reduces take-home by about €60 — the taxman effectively tops up the rest. Add a pension % above to see it.
2026 standard-rate bands
Single / two-income couple (each): €44,000 (€46,500 from January 2027) at 20%
Married couple, one income: €53,000 at 20%
One-parent family: €48,000 at 20%
Above the band: taxed at 40%
Common questions
What are the 2026 tax bands in Ireland?
For 2026, a single person pays 20% income tax on the first €44,000 and 40% above that. A married couple with one income has a €53,000 standard-rate band. Everyone gets tax credits that reduce the tax due — €2,000 (€2,125 from January 2027) personal credit plus €2,000 (€2,125 from January 2027) employee (PAYE) credit for a single employee.
Does a pension contribution change my take-home pay?
Yes — pension contributions get income-tax relief at your marginal rate, so a €100 contribution can cost a higher-rate taxpayer only €60 in reduced take-home. USC and PRSI still apply to the full amount. This calculator lets you add a pension percentage to see the effect.
How is take-home pay calculated in Ireland?
Gross salary minus three deductions: income tax (20% up to your band, 40% above, minus tax credits), USC (0.5–8%), and PRSI (4.35% from 1 October 2026). What's left is your net, or take-home, pay.
What are the 2026 tax bands?
A single person pays 20% on the first €44,000 (€46,500 from January 2027) and 40% above. Married one-income couples have a €53,000 band. Everyone gets credits that cut the tax due — €2,000 personal + €2,000 PAYE for a single employee.
Does a pension contribution change my take-home?
Yes — it gets income-tax relief at your marginal rate, so a €100 contribution can cost a higher-rate taxpayer only ~€60 in reduced take-home. USC and PRSI still apply to the full amount.
How accurate is this calculator?
It uses the official 2026 bands, credits, USC and PRSI for a standard PAYE employee — a very good estimate. It doesn't cover every personal credit or benefit-in-kind. Always confirm with Revenue.
This is a free estimate to help you understand your pay — not financial or tax advice. Rules, rates and credits change. Always confirm your exact figures with Revenue before acting.
Money you might be owed back
Most people leave money on the table — from the Rent Tax Credit to medical-expense relief and flat-rate expenses. Our free checker lists what you may be able to claim, in about a minute.