Ireland take-home pay calculator 2026
Enter a gross salary and see what lands in your account after income tax, USC and PRSI, using the Budget 2026 bands and credits.
Your take-home pay
– per month
Estimates for a PAYE employee (PRSI class A), no pension contributions or benefits in kind. Tax year 2026. Sources: Revenue and Citizens Information.
How the 2026 numbers work
Income tax is charged at 20% on income up to your standard rate cut-off point and 40% on the rest. In 2026 the cut-off is €44,000 for a single person, €53,000 for a married couple with one income and up to €88,000 for two incomes. The personal tax credit (€2,000) and the employee credit (€2,000) are taken off the tax bill, not the income.
The Universal Social Charge applies once you earn more than €13,000 a year, in bands of 0.5%, 2%, 3% and 8%. PRSI for an employee is 4.2% of gross pay from January and 4.35% from 1 October 2026, with nothing due below €352 a week and a tapering credit up to €424.
Read the full explanation in Salary after tax in Ireland and Tax credits, USC and PRSI explained.
Frequently asked
How is take-home pay calculated in Ireland?
Gross pay is taxed at 20% up to your standard rate band (€44,000 for a single person in 2026) and 40% above it. Tax credits (personal €2,000 and employee €2,000) are subtracted from the tax. USC is charged separately in bands from 0.5% to 8%, and PRSI is 4.2% of gross pay above €352 a week.
What is the standard rate cut-off point in 2026?
€44,000 for a single person, €53,000 for a married couple with one income and up to €88,000 for a couple with two incomes.
Do I pay USC on all my income?
If you earn €13,000 or less in a year you pay no USC at all. Above that, all of your income is charged in bands: 0.5% on the first €12,012, 2% up to €28,700, 3% up to €70,044 and 8% on the rest.
What does the PRSI rate change in October 2026 mean?
Employee PRSI is 4.2% from January and rises to 4.35% from 1 October 2026. The calculator lets you pick either rate; over a full year the difference is small.
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