Ireland Take-Home Pay Calculator

Enter your gross annual salary, the total amount your employer pays you before any deductions. The calculator updates instantly, with no submit button to press. It assumes you are a single person taxed as a Class A employee, the most common category for private sector workers, on the standard personal and PAYE tax credits, with no pension contributions.

The headline figure is your net annual take-home pay, the money that actually reaches your bank account once income tax, USC and PRSI are removed. Below it you will see the same amount expressed as a monthly figure, which is useful for budgeting rent, a mortgage, or day to day costs.

The breakdown panel splits out each deduction so you can see exactly where your money goes: income tax under PAYE, the Universal Social Charge, and Pay Related Social Insurance. The effective deduction rate tells you the share of your gross salary lost to all three combined. If your circumstances differ, for example you pay into a pension or claim extra credits, adjust your expectations accordingly because those reliefs are not modelled here.

Take-home pay in Ireland is your gross salary minus three statutory deductions. The calculator works each one out for the 2026 tax year (Budget 2026, effective 1 January 2026) and then subtracts the total.

Income tax (PAYE): a single person pays 20% on the first 44,000 euro of income and 40% on anything above that. The calculator then subtracts the combined tax credits, made up of a 2,000 euro personal credit and a 2,000 euro PAYE credit, giving 4,000 euro in total. If those credits are larger than the tax due, the income tax is reduced to zero rather than going negative.

Universal Social Charge (USC): this is charged on your full gross income across progressive bands. The 2026 rates are 0.5% on the first 12,012 euro, 2% on the slice up to 28,700 euro, 3% on the slice up to 70,044 euro, and 8% on the balance above 70,044 euro. If your total income for the year is 13,000 euro or less, USC does not apply at all.

Pay Related Social Insurance (PRSI): Class A employees pay PRSI on their gross pay once weekly earnings exceed 352 euro. The employee rate rises from 4.2% to 4.35% on 1 October 2026, so the calculator applies a blended full-year rate of 4.2375% for an annual estimate. Workers earning 352 euro a week or less pay no PRSI.

Net pay is then simply gross salary minus income tax, USC and PRSI. The monthly figure divides the annual net by twelve, and the effective rate is the total of all three deductions divided by your gross salary.

The large green figure is your annual take-home pay, with the monthly equivalent shown just underneath. The three smaller cards break out how much goes to income tax, USC and PRSI so you can see which deduction has the biggest impact on your pay. For most middle income earners, income tax is the largest single deduction, with USC and PRSI together adding several thousand euro more.

The effective deduction rate is worth watching as your salary rises. Because the 40% income tax band and the 8% USC band only apply to income above their thresholds, low earners keep almost all of their pay while higher earners lose a steadily larger share. This is how a progressive tax system works: the marginal rate on your last euro earned is higher than the average rate across your whole salary.

Remember the assumptions baked into the result. It is a 2026 estimate for a single Class A employee on standard credits with no pension. Paying into a pension, claiming additional credits such as the Home Carer Credit, or being assessed jointly with a spouse would all change the numbers. The figures are designed to give you a fast, realistic planning estimate rather than a payroll-grade calculation, so always confirm important decisions against Revenue.ie or with a qualified adviser.