Ireland Take-Home Pay Calculator 2026
Estimate your 2026 take-home pay in Ireland after PAYE income tax, tax credits, USC and PRSI, for single or married earners, with every rate shown and editable.
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About the Ireland Take-Home Pay Calculator
The Ireland Take-Home Pay Calculator estimates your take-home pay for the 2026 tax year, which in Ireland is the calendar year. Enter your gross salary per year or per pay period, choose your tax status (single, married with one income, or married with two incomes) and add a pension contribution. The result shows net pay per year, per month and per pay period, the total deductions and their share of your pay, and a breakdown where every line carries its scope, the 2026 tax year and its rate.
PAYE income tax and tax credits
Standard rate band
Income up to the standard rate band is taxed at 20% and the rest at 40%. The band is €44,000 for a single person and €53,000 for a married couple with one income. A married couple with two incomes can have a band of up to €88,000, but the increase of up to €35,000 belongs to the second earner's own pay; the calculator treats you as the higher earner with €53,000.
Tax credits
Tax credits come off the tax itself. The personal tax credit is €2,000 for a single person and €4,000 for a married couple, split €2,000 each when both work. The employee (PAYE) tax credit is €2,000. Credits never make the tax negative.
Universal Social Charge (USC)
USC is 0.5% on the first €12,012, 2% up to €28,700, 3% up to €70,044 and 8% above. A total income of €13,000 or less is exempt; above that, USC is charged from the first euro.
PRSI
Employees pay PRSI Class A on all pay, with no ceiling. The rate is 4.2% from January to September and 4.35% from 1 October 2026, so the calculator blends three quarters of the year at 4.2% and a quarter at 4.35%. Weekly pay of €352 or less pays no PRSI, and between €352.01 and €424 a weekly credit of up to €12 lowers the charge.
Pensions
A pension contribution lowers income tax only. USC and PRSI are still charged on your full gross pay.
Worked example
€60,000 a year, single
Income tax is 44,000 × 20% = 8,800 plus 16,000 × 40% = 6,400, less €4,000 of credits, so €11,200.00. USC is €1,332.82 and PRSI 60,000 × 4.2375% = €2,542.50. Net pay is €44,924.68 a year, or €3,743.72 a month. Married with one income, net pay rises to €48,724.68.
What the estimate leaves out
The estimate covers PRSI Class A for employees under 66 and the standard USC rates, without the reduced rates for people aged 70 or over or medical card holders. It uses only the personal and employee credits, not the home carer, rent or other credits, and it does not include the local property tax or a joint calculation of your spouse's income. Payroll applies the PRSI rate by pay date, so a year with uneven pay can differ slightly.
Sources
The bands and credits come from Revenue's tax rates, bands and reliefs chart; USC from Revenue's USC rates and exemption pages; pension relief from Revenue; and PRSI from the Department of Social Protection's 2026 advance notices on gov.ie.
Edit and reset the rates
The standard and higher rates, the four USC rates and the two PRSI rates are fields in the Tax rates panel. The bands, credits and thresholds are read-only text. Reset to 2026 defaults restores every rate.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Related tools
Compare take-home pay across countries with the Net Salary Calculator, or see UK pay with the UK Take-Home Pay Calculator.
Frequently asked questions
How does the married band work?
A married couple with one income gets a standard rate band of €53,000. With two incomes the band can rise by up to €35,000, but only by the lower earner's own income, and the increase cannot be moved to the other spouse. The calculator treats you as the higher earner with €53,000 and half of the €4,000 married credit.
Why did PRSI change in October?
The Class A employee rate was 4.2% from 1 January 2026 and rose by a further 0.15% to 4.35% on 1 October 2026, as the Department of Social Protection announced. The calculator blends nine months at 4.2% and three at 4.35%, an annual 4.2375%.
What is take-home pay on €60,000 in Ireland?
For a single person, income tax after credits is €11,200.00, USC €1,332.82 and PRSI €2,542.50, so take-home pay is €44,924.68 a year, or €3,743.72 a month.
Who is exempt from USC?
A person whose total income for 2026 is €13,000 or less pays no USC. Above that, USC is charged on the whole income from the first euro, at 0.5% on the first €12,012 and 2%, 3% and 8% in the higher bands.
Does my pension lower USC or PRSI?
No. Employee pension contributions get income tax relief only. USC and PRSI are charged on your gross pay before the contribution.
Which tax credits are included?
The personal tax credit (€2,000 single, €4,000 married) and the employee (PAYE) tax credit of €2,000. Others, such as the home carer, rent or single person child carer credits, are not included and would raise your take-home pay.