Irish Salary After Tax Calculator
Income tax, USC and PRSI for 2026 with the new Budget 2026 bands, plus charts that show where every euro goes.
Married with one income gets a wider 20% band and larger credits.
PRSI Class A (employee). Standard credits: personal and PAYE. Not modelled: medical card USC rate, rent credit, home carer credit, other reliefs.
Your take-home pay · per month
€37,010 a year from €45,000 gross, you keep 82.2%
Take-home pay at common salaries
Frequently asked questions
How is Irish take-home pay calculated? +
Take-home pay is gross pay minus PAYE income tax (20% up to the standard rate band, 40% above, less tax credits), the Universal Social Charge (USC) and employee PRSI. This calculator uses 2026 rates.
What are the 2026 income tax bands? +
A single person pays 20% on the first €44,000 and 40% on the rest. A married couple with one income gets a €53,000 band. The standard credits are €2,000 personal and €2,000 for employees (PAYE credit).
How does USC work? +
USC is charged on gross pay: 0.5% up to €12,012, 2% up to €28,700, 3% up to €70,044 and 8% above. It is not payable if your income is €13,000 or less.
What is the PRSI rate in 2026? +
Class A employee PRSI is 4.2%, rising to 4.35% from 1 October 2026. The calculator blends the two over the year. PRSI is not payable on weekly earnings of €352 or less.
Does a pension reduce my tax? +
Yes. Employee pension contributions get income tax relief at your marginal rate, but USC and PRSI are still charged on the full gross pay.