Estimate your take-home pay in Ireland
Use this quick tool to estimate annual net salary after Income Tax, USC, PRSI, and pension contributions.
How this income tax Ireland calculator works
If you are trying to plan your monthly budget, compare job offers, or understand your payslip, this calculator gives you a practical estimate of Irish salary deductions. It breaks your pay into four parts:
- Income Tax (20% and 40% bands)
- Tax credits (which reduce Income Tax due)
- USC (Universal Social Charge)
- PRSI (Pay Related Social Insurance)
The output shows your total deductions and estimated annual and monthly take-home pay.
Key assumptions used in this estimate
1) Income Tax bands
The calculator applies a standard-rate cut-off based on the selected civil status. Income up to that amount is taxed at 20%, and income above it is taxed at 40%.
2) Tax credits
Base tax credits are estimated from common PAYE scenarios and are then added to any extra credits you enter.
- Single: estimated base credits = €3,750
- Married (one income): estimated base credits = €5,625
- Married (two incomes, combined estimate): estimated base credits = €7,500
3) USC
USC is calculated on gross income using progressive bands. A simplified reduced-rate treatment is used for age 70+ where applicable.
4) PRSI
PRSI is estimated at a flat rate for Class A employees, with a low-income threshold applied in a simplified way.
Why your real payslip may differ
This calculator is intentionally straightforward. Your actual pay can vary because of:
- Specific Revenue credits and reliefs
- Benefit-in-kind (company car, health insurance, etc.)
- Departmental payroll settings and pay frequency
- PRSI subclasses and exact USC treatment
- Mid-year job changes or emergency tax situations
How to use this tool effectively
Compare job offers
Run each salary through the calculator, then compare net annual and monthly values—not just gross pay.
Plan pension contributions
Increase the pension percentage to see how it changes your take-home pay and short-term cash flow.
Forecast budget changes
Use the monthly estimate to set housing, savings, and debt repayment targets with more confidence.
Quick FAQ
Is this an official Revenue calculator?
No. It is an educational estimator based on common Irish tax structures.
Can I use this for self-employed income?
Not accurately. It is built for employee-style PAYE estimates.
Does pension reduce all taxes?
In this calculator, pension contribution reduces taxable income for Income Tax only, which is a common simplified approach.
Bottom line
A clear estimate of your deductions helps you make better money decisions. Use this income tax Ireland calculator as a first-pass planning tool, then verify final numbers through your payroll team or Revenue records.