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 personal credit plus €2,000 employee (PAYE) credit for a single employee.

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Take-Home Pay Calculator (Ireland)

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 20 seconds. Nothing is saved or shared — it all runs on your device.

Your situation

Your gross salary (€ per year) Your total pay before any deductions. Weekly pay × 52, or monthly × 12.

Pension contribution (% of salary) — optional Leave at 0 if none. Pension contributions get income-tax relief, so this shows how little they really cost you.

Estimate for a standard PAYE employee on 2026 rates (income tax, USC, PRSI at 4.2%). It doesn't include every personal credit, benefit-in-kind, or the PRSI rise to 4.35% from 1 Oct 2026. 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 personal credit plus a €2,000 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 — 4.2% for most employees in 2026 (rising to 4.35% from 1 October 2026). You're exempt if you earn €352 a week or less.

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 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

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 (4.2%). 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 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.

Check the official sources

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.

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