Free Irish tax tool · 2026
Ireland Take-Home Pay & Tax Calculator
Estimate your net salary, Income Tax, USC and PRSI. Compare PAYE salary with a contractor day-rate income equivalent, and see the impact of pension contributions.
Your details
Adjust any field for an instant estimate. No registration needed.
Explore a scenario
Assumed eligible for Income Tax relief; age-related limits and earnings cap not validated. Pension does not reduce USC or PRSI here.
Your estimated take-home
Net pay · per month
€3,744
74.9% of gross earnings retained after tax and pension
Effective Income Tax + USC + PRSI rate: 25.1%
How the 2026 Irish take-home pay estimate works
1. Income Tax
20% on the first €44,000 for a single person (€53,000 for a one-income married couple), then 40%, less eligible tax credits. This model assumes the standard employee credit.
2. USC
For standard USC, income up to €13,000 is exempt; above this threshold the progressive 0.5%, 2%, 3% and 8% bands apply. Qualifying reduced rates can be selected.
3. PRSI
Estimated Class A employee contributions reflect the 4.2% rate through September and 4.35% from October 2026, with a simplified weekly threshold and credit calculation.
More salary planning scenarios
Use Net → gross to plan salary negotiations, Compare offers to see the after-tax difference between two jobs, Bonus tax for an annual lump sum, and Overtime to estimate extra earnings. The model annualises income and does not account for payroll timing, cumulative tax adjustments, or different PRSI classes.
Family and married-couple calculations
Married / family mode models one or two PAYE incomes under joint assessment. The second-earner rate-band increase is limited to the lower of €35,000 or the lower taxable employment income. The Home Carer Tax Credit is considered only if selected, and is compared with the alternative increased band. Child count alone does not change PAYE. This simplified estimate excludes Child Benefit, childcare subsidies, separation-year rules, widowed-parent relief and special PRSI classes.
Revenue: joint assessment · Revenue: Home Carer Tax Credit
Frequently asked questions
Is this calculator free?
Yes. No email address or registration is needed.
Can contractors use it?
Yes, to estimate a PAYE-equivalent salary from daily rates and billable days. It does not model an umbrella company, a proprietary director's tax position, Class S PRSI, corporation tax or dividend extraction.
Will my actual payslip match?
Not necessarily. Actual payroll depends on Revenue Payroll Notifications, cumulative payroll, tax credit allocation, PRSI weeks, pension relief limits, benefits, auto-enrolment, other income and individual circumstances. Married two-income households are not modelled. Single-parent eligibility and additional credits must be checked separately.
Important: Illustrative 2026 estimate only, not a tax return, payslip or personalised advice. For accuracy, confirm your tax credits and PRSI class with Revenue and seek professional advice. Updated for 2026 rules; 2027 announced changes are not applied.
Official sources and methodology