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Irish salary calculator 2026
See your take-home pay after income tax, USC and PRSI. Updated for Budget 2026, the October 2026 PRSI increase, and Budget 2027.
2027 figures follow the Budget 2027 announcement and may change when the Finance Act is passed.
For PAYE employees with standard credits. Pension relief applies to income tax only, within Revenue's age limits. For two incomes, the pension and medical card apply to the first salary. Hourly pay assumes a 39-hour week.
Popular salaries after tax in Ireland
Single PAYE employee, 2026. Each one opens a full breakdown. See every salary from €15,000 to €300,000
How your take-home pay is worked out
- Income tax. 20% on income up to your standard rate band (€44,000 for a single person in 2026), 40% above it. Your tax credits are then taken off the total: €2,000 personal credit and €2,000 employee credit for most single people.
- USC. 0.5% on the first €12,012, 2% up to €28,700, 3% up to €70,044 and 8% above that. Nothing at all if you earn €13,000 or less.
- PRSI. 4.35% of all your pay from 1 October 2026, if you earn more than €352 a week. A small PRSI credit reduces it if you earn up to €424 a week.
Guides
- BudgetBudget 2027: how much more you will take homeNet pay before and after, salary by salary
- RatesIrish tax rates, bands and credits for 2026 and 2027
- Minimum wageMinimum wage take-home pay: €14.15 in 2026, €14.94 in 2027
- DataEvery salary from €15,000 to €300,000 after tax
- Tax changePRSI rose to 4.35% in October 2026: what it costs youThe extra cost per month at every salary, and the next rise in October 2027
- GuideHow the Universal Social Charge works, with real examplesRates, bands and what you actually pay at four salaries
- GuideMarried couple tax in Ireland: one income vs two incomesHow joint assessment works, and why splitting income matters
- GuidePension tax relief: what a pension contribution really costs youRelief at 20% or 40%, the age limits, and the real cost of 5%
- GuideEmergency tax in Ireland: how it works and how to get out of itThe emergency rates, a worked example, and how to get your money back
Questions people ask
How much tax do I pay on €45,000 in Ireland?
A single PAYE employee on €45,000 pays €5,200.00 income tax, €882.82 USC and €1,957.50 PRSI in 2026, leaving €36,960 a year, about €3,080 a month.
What is the 2026 standard rate band?
€44,000 for a single person, €48,000 for a single parent and €53,000 for a married couple with one income. Income above the band is taxed at 40% instead of 20%.
When does USC not apply?
If your total income for the year is €13,000 or less, you pay no USC at all. Medical card holders earning €60,000 or less pay no more than 2%.
Did PRSI go up in October 2026?
Yes. Employee Class A PRSI rose from 4.2% to 4.35% on 1 October 2026. Our calculator uses the new 4.35% rate.
Does the calculator include Budget 2027?
Yes. Choose 2027 in the tax year box to see your pay under the Budget 2027 changes announced on 6 October 2026. These figures are provisional until the Finance Act is passed.