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Useful next calculations
Rates & sources2026
2026 Irish per-period take-home using the same PAYE, USC and 4.2% PRSI rules as the income-tax calculator.
| Band / figure | Rate |
|---|---|
| Single standard-rate cut-off | €44,000 |
| Credits modelled | €4,000 |
| Employee PRSI | 4.2% |
Source: Revenue.ie — Tax rates, bands and credits — source checked for 2026.
When to use this calculator
- Before accepting a pay change, bonus or contribution arrangement.
- When you want a simple take-home or conversion estimate before payroll or filing.
- When you need to convert between hourly, monthly and annual pay.
- When you want to compare two pay scenarios using the same assumptions.
A realistic Ireland planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| 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. Then rerun the tool with one input adjusted.
How to read your results
Take-Home per Pay Period
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Gross per Period
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Tax per Period
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Pension per Period
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Annual Net
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
This calculator estimates your per-period take-home pay using 2026 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 €4,000. 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
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
How an Irish payslip is calculated
Guidance reviewed 2 September 2026Ireland takes three separate charges off gross pay: Income Tax (PAYE), the Universal Social Charge (USC) and Pay Related Social Insurance (PRSI). Income Tax is reduced by tax credits — this calculator applies the personal credit and the employee PAYE credit — and charges 20% up to your standard-rate band and 40% above it.
The calculator works on an annual salary, then divides the result into the pay frequency you choose. Pension contributions entered here reduce taxable pay for Income Tax, but USC remains chargeable on gross pay, and PRSI is also payable on the gross amount.
| Standard-rate band (single) | €44,000 |
|---|---|
| Standard-rate band (married, one income) | €53,000 |
| Personal tax credit | €2,000 |
| Employee PAYE credit | €2,000 |
| PRSI (Class A, above threshold) | 4.2% above €18,304 |
Worked example (illustrative figures only)
- Inputs:
- Gross €50,000 · monthly pay · single · no pension contribution
- Estimate:
- Net pay ≈ €3,306 per month (€39,667 per year)
- What it means:
- That is Income Tax of €7,200 after credits, USC of about €1,033 and PRSI of €2,100 — an effective total deduction of roughly 20.7% of gross.
- What is excluded:
- Rent tax credit and other reliefs are not applied; the figure assumes a full year at one salary.
Example values only — not financial advice.
Assumptions
- Standard-rate band of €44,000 for a single person and €53,000 for a married couple on one income.
- Total credits of €4,000 (personal + employee PAYE credit).
- PRSI at Class A rates (4.2% above €18,304).
- Pension contributions reduce taxable pay for Income Tax only; USC and PRSI still apply to the gross amount.
Not included
- The rent tax credit and any other credits or reliefs beyond the personal and employee credits are not modelled.
- Reduced USC rates for medical-card holders are not applied here — use the USC calculator for that scenario.
- Only single and married-one-income band scenarios are modelled; dual-income couples are assessed separately in reality.
- Employer PRSI and total employer costs are not included — see the Irish employer cost calculator.
- Bonuses, benefit-in-kind, share-based income and cut-off-point interactions across multiple jobs are not modelled.
Reading the result
- Every euro above your standard-rate band is taxed at 40% plus USC and PRSI, so your marginal deduction rate is much higher than your average rate.
- Compare the per-period figures with your payslip rather than the annual totals — Ireland deducts PAYE, USC and PRSI per pay period on a cumulative basis across the year.
- If your payslip differs materially, check which credits, pension arrangements or PRSI class apply to you.
Frequently asked
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