Is the new job actually worth it?
Put two salaries side by side and see the difference in what reaches your account — after income tax, USC and PRSI, on 2026 rates.
Optional adjustmentsPension, bonus, auto-enrolment
At age 35, Revenue relief is limited to 20% of earnings, with earnings capped at €115,000.
Your take-home
€37,010
€3,084.19 a month
2026 Class A estimate assuming uniform weekly pay: 4.2% through September and 4.35% from October, blended over the year. Actual PRSI is calculated per pay period and can differ with bonuses, unpaid weeks or a 53-week payroll year. Figures are not stored; calculator events use only a broad salary band.
The gross gap is not the real gap
A raise is taxed at the top of your income, not the average of it. Once you are past the standard-rate cut-off, each extra euro meets 40% income tax plus USC and PRSI — so the number in the offer letter and the number in your account move at different speeds.
Going from €45,000 to €50,000 is €5,000 more on paper. After tax it is about €2,638 a year, or roughly 53% of what you were offered. Over a month that is around €220.
What this cannot see
Take-home is only part of the decision. Before you move, price the things that do not show up in a payslip comparison: employer pension contribution, whether health insurance is covered, commuting cost and time, and the hours actually expected of you. A job paying €5,000 more with a smaller pension contribution can leave you worse off.
If part of the increase is a bonus rather than salary, work that out separately — see the bonus and RSU calculator, since bonuses are taxed at your marginal rate in the month they are paid.
Comparing as a couple
Married and civil-partnered couples can transfer part of the standard-rate band between them, which changes what a rise is worth to the household rather than the individual. Switch the filing status above to married with one or two incomes and both sides of the comparison use the transferred band.