Salary after tax in Ireland: 2026 take-home calculator

How take-home pay is worked out

Call it a salary calculator, an income tax calculator, or a take-home calculator — the job is the same: turn a gross figure into the money you actually get. Three deductions stand between your gross salary and the money you can spend, and they come off in a set order, each working on a different slice of your pay.

1. Income tax

You pay 20% on income up to the standard-rate cut-off point and 40% on anything above it. For a single person the cut-off is €44,000 in 2026. A married couple with one income gets a higher cut-off of €53,000, so more of the salary is taxed at the lower rate. Tax credits — €2,000 personal plus €2,000 for PAYE workers — are then taken straight off the tax due.

2. Universal Social Charge (USC)

USC is a separate charge on your gross income. If your total income is €13,000 or less for the year, you pay none. Once it exceeds €13,000, USC applies from the first euro of chargeable income, but progressively: 0.5%, 2%, 3% and 8% are each applied only to the slice within that band.

3. PRSI

Pay Related Social Insurance funds the State pension and benefits. Most employees pay Class A at 4.35% of gross (4.2% until the end of September 2026), rising to 4.5% from October 2027. You pay nothing if you earn €352 a week or less, and a credit softens the charge just above that point.

Pension and auto-enrolment

Eligible employee pension contributions reduce income before income tax, subject to Revenue’s age-related limits and the €115,000 earnings cap; they do not reduce USC or PRSI. MyFutureFund works differently: the 1.5% employee contribution gets no ordinary income-tax relief, while the employer adds 1.5% and the State adds 0.5%. The calculator treats MyFutureFund as an annual estimate because its €80,000 stop is applied through real payroll periods.

Want the rules behind each line? Read the 2026 tax bands guide, or the pages on USC, PRSI and tax credits. On a smaller wage, see how it works on a part-time income, a second job or a student job.

Once you know your take-home, see what to do with it: claim tax back you may be owed, work out what you can borrow for a mortgage, put more into a pension at your top rate of relief, or protect that income if illness ever stops you working.