PAYE & Take-Home Pay Calculator
Enter your gross salary to see a full breakdown of Income Tax, USC and PRSI, and your estimated take-home pay for 2026.
Your details
Reduces the income subject to Income Tax (simplified — real relief is capped by age-related earnings limits).
Estimated results
Take-home pay / year
€39,667
Effective tax rate
20.7%
Marginal tax rate
47.2%
›How this is calculated
Income Tax: the first €44,000 (or more, if the standard band transfers between two incomes) is taxed at 20%, with the remainder at 40%. Your Personal and PAYE tax credits are then subtracted directly from the tax bill.
First 44,000 @ 20%: €8,800
Balance 6,000 @ 40%: €2,400
USC: charged on gross income in bands from 0.5% to 8%, with no exemption for pension contributions. Income of €13,000 or less is fully exempt.
PRSI: Class A employees pay 4.2% on all earnings above €352/week, rising to 4.3% from 1 October 2026. This calculator uses the January–September rate as an annual estimate.
This calculator is provided for informational purposes only and should not be considered financial or tax advice. Figures are estimates based on published Revenue and Central Bank of Ireland rules for the 2026 tax year and may not reflect your personal circumstances. Always confirm your position with Revenue.ie or a qualified professional before making a financial decision.
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Related guides
- Income Tax in Ireland, Explained
How Ireland's two income tax rates, standard rate bands and tax credits fit together.
- What Is PAYE and How Does It Work?
How the Pay As You Earn system deducts tax from your salary before you're paid.
- USC Explained: Universal Social Charge
Who pays USC, the current rate bands, and the reduced-rate concessions.
- PRSI Explained: Class A Contributions
What PRSI pays for, how much you contribute, and why your PRSI class matters.
Frequently asked questions
How accurate is this PAYE calculator?+
It uses the published 2026 Income Tax, USC and PRSI rates and standard tax credits. It's a strong estimate for most PAYE employees, but doesn't account for every possible credit (e.g. Rent Tax Credit, Home Carer Credit) — check Revenue.ie's own calculator or myAccount for a filing-accurate figure.
Does this include USC and PRSI, or just Income Tax?+
All three. Take-home pay is calculated as gross salary minus Income Tax (after credits), USC, and PRSI.
What's the difference between effective and marginal tax rate?+
Your effective rate is your total deductions as a percentage of your whole salary. Your marginal rate is the rate charged on your next euro of income — usually higher, since Ireland's system is progressive.