Built on Revenue & Central Bank guidance for 2026
Simple Irish Financial Calculators
Free calculators for salary, tax, mortgages and investing using Irish Revenue guidance. No sign-up, no email gate — just clear numbers explained plainly.
PAYE example · €50,000 salary
€39,667
Estimated take-home pay / year
Calculators
Start with a calculator
Every calculator shows its full workings — no black boxes, no vague estimates.
PAYE & Take-Home Pay Calculator
Work out your Income Tax, USC and PRSI, and see your exact take-home pay for 2026.
Capital Gains Tax (CGT) Calculator
Estimate the Capital Gains Tax due on selling property, shares or crypto in Ireland.
Mortgage Affordability Calculator
See how much you could borrow under Central Bank rules, and your likely monthly repayments.
Guides
Understand the rules, in plain English
Each guide explains one topic properly, with real worked examples.
Income Tax in Ireland, Explained
How Ireland's two income tax rates, standard rate bands and tax credits fit together.
6 min read
Income TaxWhat Is PAYE and How Does It Work?
How the Pay As You Earn system deducts tax from your salary before you're paid.
5 min read
Income TaxUSC Explained: Universal Social Charge
Who pays USC, the current rate bands, and the reduced-rate concessions.
5 min read
Why trust us
Built to be checked, not just believed
We'd rather you verify a number against Revenue.ie than take our word for it — so we make that easy.
Sourced from Revenue & the Central Bank
Every rate, band and credit traces back to Revenue.ie or Central Bank of Ireland mortgage rules — never guessed.
Full workings, every time
Every calculator shows the step-by-step breakdown behind the final number, not just a single figure.
No sign-up, no email gate
Every calculator and guide is free to use in full. We'll never ask for your email to see a result.
Clear about our limits
We flag exactly where a calculation is a simplification, and when to speak to a professional instead.
A note on accuracy. The Irish Ledger's calculators are provided for informational purposes only and should not be considered financial or tax advice. Tax rules change with each Budget — we keep our figures up to date, but your own circumstances (reliefs, credits, marital status, residency) can change the result. Always confirm important decisions with Revenue.ie, the Central Bank of Ireland, or a qualified advisor.