Ireland Tax Calculator

What this Ireland tax calculator estimates

It estimates your 2026 take-home pay as a PAYE employee from your gross pay: what is left after income tax, the Universal Social Charge (USC) and your employee PRSI, and after a pension contribution or MyFutureFund if you switch one on. Enter your pay for the period you are paid (a year, a month, a fortnight or a week), choose your tax status, and it shows the result per year and as an average month and week.

The result is a full-year estimate worked out from annual figures. It is not a payslip or a tax assessment. Why your payslip can differ is explained below.

Income tax, USC and PRSI are three separate charges

Each one is worked out on its own and then taken off your gross pay. They do not share bands.

Income tax

Tax is 20% on pay up to your standard rate cut-off point and 40% above it. The cut-off is €44,000 if you are single and €53,000 if you are married or in a civil partnership with one income. Tax credits are then taken off the tax: €4,000 for a single employee (the personal and employee credits) and €6,000 for a married or civil partner employee with one income. Credits cannot take the tax below zero.

Universal Social Charge (USC)

USC is charged on your whole gross pay, in four bands: 0.5% on the first €12,012, 2% on the next €16,688, 3% on the next €41,344 and 8% on the rest. If your total income is €13,000 or less you pay no USC. Above €13,000 you pay USC on all of your income, not only on the part above €13,000, so the €13,000 figure is a cliff edge and not a tax-free first band.

PRSI

Employee PRSI here is Class A: 4.2% to 30 September 2026 and 4.35% from 1 October 2026. It is not due at €352 a week (€18,304 a year) or less. Above that it is charged on all of your pay, less a tapering PRSI credit that runs out at €424 a week (€22,048 a year). Because the rate changes during the year, the calculator uses one blended rate of 4.2375% for the whole year, so the PRSI figure is an estimate.

Pension contribution or MyFutureFund: how they differ

The two optional details look alike but are treated differently, and they cannot be combined in this calculator.

• Pension contribution through payroll. Your own contribution, entered as a percentage of gross pay from 0 to 15. It reduces the pay your income tax is worked out on, up to 15% of pay up to €115,000. It does not reduce USC or PRSI. The 15% limit is a simplification of this calculator: Revenue's real limit depends on your age.
• MyFutureFund (auto-enrolment). Your own contribution is 1.5% of gross pay, on pay up to €80,000 a year. It comes out of your pay with no income tax relief, and your income tax, USC and PRSI do not change. Your employer's and the State's contributions go into your fund and are not part of your net pay. The calculator does not check whether you are enrolled.

Worked examples

These are illustrations, not payslips. Each one was produced by entering the inputs shown into this calculator, so you can repeat it above and get the same figures.

Why your payslip can differ

• Payroll works pay period by pay period and adjusts as the year goes on. This calculator works from your annual pay as if it were paid evenly.
• PRSI is the least exact figure. It is calculated each pay period, and for pay between about €18,304 and €22,048 a year the credit and the October rate change can make the annual figure here differ from payroll by a few euro.
• The monthly and weekly amounts are the yearly net pay divided by 12 and by 52, so they are averages.
• Other tax credits, a second job, benefit in kind, couples who both earn, self-employment and other PRSI classes are not included. Check your own tax credit certificate on Revenue's myAccount for your actual credits.

The official sources, and the date they were last checked, are listed under "How this calculator works" below.