Rates & sources
UK tax rates and thresholds, as published by HMRC. Scotland and Wales have devolved rates for income tax and property transactions.
Source: HMRC — Tax rates — figures refreshed at the start of each tax year.
When to use this calculator
- Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
- When you want to compare employed, self-employed, or dividend-based income scenarios.
- When you need a simple take-home estimate before running payroll or filing returns.
- When you are approaching the £100,000 income level and want to understand the personal allowance taper effect.
- When you are planning a salary sacrifice arrangement and need to see the net pay impact before agreeing terms.
A realistic Ireland planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Annual Gross Salary (€)
€45,000
Pay Frequency
Monthly (12/yr)
Marital Status
Single
Pension Contribution (%)
€250 per month
After entering these figures, review take-home per pay period, gross per period and tax per period together rather than in isolation — each metric tells a different part of the story. Then rerun the tool with one input adjusted to see which variable has the biggest effect on all three outputs before you settle on a plan.
How to read your results
Take-Home per Pay Period
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Gross per Period
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Tax per Period
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
Pension per Period
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Annual Net
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Method & assumptionsAuthoritative sources
This calculator estimates your per-period take-home pay using 2024 Irish Revenue PAYE rates. Annual income tax is computed on taxable income (gross salary less any pension percentage entered), applying the 20% standard rate up to the applicable rate band and 40% above it, then reducing by the combined personal and employee tax credits of €3,750. The Universal Social Charge and PRSI Class A are then added on the gross salary figure, ignoring pension contributions for those charges. The resulting total annual deduction is divided evenly across your chosen pay periods — 12, 26, or 52 — to produce your estimated per-paycheck figures. Calculations assume you are a PAYE employee with no additional income, benefit-in-kind, or irregular payments such as bonuses. Actual payslip amounts may vary slightly due to how your employer’s payroll software allocates credits on a cumulative versus non-cumulative basis.
The pension contribution field reduces only your income tax base, consistent with Revenue’s treatment of approved occupational pension and PRSA contributions. It does not model employer contributions, which would further reduce your visible pension deduction on payslips. If you receive non-cash benefits (such as a company car, health insurance, or shares), their taxable value would increase your effective gross and is not reflected here. For the most accurate figures, request a payslip simulation from your employer’s payroll team or use Revenue’s PAYE Anytime service via myAccount.
Common mistakes
- !Entering gross income when you really want take-home pay, or vice versa.
- !Ignoring pension contributions, deductions, or local tax rules that change the result.
- !Comparing monthly and annual figures without standardising them first.
- !Overlooking the National Insurance threshold changes that apply mid-year when rates or bands are adjusted in a Budget.
- !Assuming a salary sacrifice benefit reduces take-home pay by the full gross amount, rather than only the after-tax cost.
What to do next
- Check the same scenario with related pay or deduction calculators to see the full picture.
- Keep a copy of the assumptions you used so you can compare next tax year or pay period accurately.
- Read the related guides below if you are choosing between multiple income or deduction options.
- If you are self-employed, run the self-employment tax calculator alongside this result to compare the net position against employed income.
- Check whether increasing your pension contribution by even one or two percent changes the take-home significantly — use the pension calculator next.
Frequently asked
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End-of-article next steps
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