Irish take-home pay

2026 tax year

Estimate PAYE, USC and PRSI from published bands. The 2026 tax year is the default; 2025 is still available, and 2027 uses the Budget 2027 figures for single people, checked 10 Oct 2026. Free to use — no account needed.

New: Budget 2027 — how much better off per week?

Free calculator · Budget 2027 rates · checked 10 Oct 2026 · Sources: Revenue, gov.ie · Estimate only, not financial or tax advice

Your figures

Income

Period

Single or married?

Married or civil partners are taxed together (joint assessment). Add your spouse or partner’s pay, or leave it at 0 if only you earn.

I’m a single parent

Tick if a child lives with you for most of the year and you are not married or living with a partner. Adds the Single Person Child Carer Credit (€1,900 in 2026) and €4,000 more taxed at 20%. Only one parent can claim it.

Tax year

Pension contributions (per year)

Your ageOnly matters if you pay into a pension. Tax relief is capped at a share of your earnings that rises with age: 15% under 30, up to 40% at 60 or over, on earnings up to €115,000. Not set uses 40%.

I’m 65 or over this year

Adds the Age Tax Credit (€245, or €490 for a couple). If total income is €18,000 or less (€36,000 for a couple) there is no income tax, and just above that marginal relief can lower it. USC and PRSI are not changed in this estimate.

I have a full medical card, or I’m 70 or over

Reduced USC: 0.5% on the first €12,012 and 2% on the rest, if your own income is €60,000 or less. Not for a GP visit card. Medical card holders need to ask Revenue to apply it.

Other tax credits (per year)

Only credits not already counted, e.g. rent tax credit (up to €1,000 in 2026, €2,000 for a couple) or dependent relative credit (€305). Your personal and Employee (PAYE) credits are already included.

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Other income

How the estimate is built

PAYE

20% up to €44,000 if you are single, or €53,000 if married with one income (2025 and 2026). If you both earn, the 20% band goes up by the lower of €35,000 or the lower earner's pay, and each of you gets the €2,000 Employee Tax Credit. USC and PRSI are worked out on each person's own pay. Income above the band is 40%. Credits reduce income tax only. Pension contributions reduce income tax only, up to Revenue's age limit (15% of earnings under 30, rising to 40% at 60 or over, on earnings up to €115,000). They do not reduce USC or PRSI.

USC

No USC if your total income for the year is €13,000 or less. Above that, USC applies to all of it. 2025: 0.5% to €12,012, 2% to €27,382, 3% to €70,044, then 8%. 2026 raises the 2% ceiling to €28,700. Credits do not reduce USC.

PRSI

Class A employee rate: 4.1% to 30 September 2025, then 4.2%, rising to 4.35% from 1 October 2026. The estimate weights the rate by month. No PRSI if you earn €352 a week or less. Between €352.01 and €424 a week, a PRSI credit of up to €12 a week reduces it. 2027: 4.35% from January, 4.5% from 1 October (Budget 2027). Tax credits do not reduce PRSI.

Based on published Irish tax bands; not advice. Estimate based on published Revenue and DSP rates for the selected year. Covers employees, sole traders and common credits. Estimate only, not financial or tax advice. Check complex cases with Revenue.

Questions

Which tax year does it use?

The 2026 tax year by default. You can switch to 2025, 2024 or 2023 in the Tax year box.

Why did my pay go down in October 2026?

Employee PRSI went up from 4.2% to 4.35% on 1 October 2026. For the year, the calculator uses 9 months at 4.2% and 3 months at 4.35%.

Do pension contributions reduce USC and PRSI?

No. Employee pension contributions get income tax relief only, up to Revenue's age limit (15% of earnings under 30, rising to 40% at 60 or over, on earnings up to €115,000). USC and PRSI are charged on your full pay.

When do I pay no USC?

If your total income for the year is €13,000 or less, you pay no USC. Above that, USC is charged on all of it.

How does it work for a married couple or civil partners who both earn?

Under joint assessment the 20% band is €53,000, plus the lower of €35,000 or the lower earner's pay. Each of you gets the €2,000 Employee Tax Credit and the Married Person credit is €4,000. USC and PRSI are worked out on each person's own pay.

Check your take-home pay with Budget 2027. Other tools: How much of a redundancy package is tax-free?, Second income: do I need a Form 12?, contractor, rent tax credit, auto-enrolment.