Before you act on this
- Compare the result with your payslip. A large gap usually means your tax credits are not allocated correctly — check them in Revenue myAccount.
- If you rent privately and have not claimed the Rent Tax Credit, claim it in myAccount; you can go back four years.
How this answer is built
- Your inputYour gross salary, tax status, children, age, pension contribution and whether you rent.
- OfficialIncome tax: 20% up to the standard rate cut-off (€46,500 single, €50,500 single parent, €55,500 married one income), 40% above. Budget 2027.
- OfficialCredits: Personal €2,125 (€4,250 married), Employee €2,125, Single Person Child Carer €1,900, Age €245/€490, Rent €1,150/€2,300.
- OfficialUSC: 0.5% to €12,012, 2% to €30,300, 3% to €70,044, 8% above; nothing if income is €13,000 or less.
- OfficialPRSI Class A: 4.35% to September 2027, 4.5% from October (PRSI roadmap); nothing at or below €352 a week.
- CalculatedPension contributions come off before income tax, up to the age-related limit (15%–40%) on earnings up to €115,000.
- AssumptionA married couple is treated as one income, jointly assessed. Two incomes widen the 20% band by up to €37,500.
What could change this
- A second income in a married couple — it increases the 20% band, which this does not model.
- Benefit-in-kind such as a company car or health insurance, which adds to taxable pay.
- Other credits you may be due: medical expenses, flat-rate expenses, home carer, incapacitated child.
- Self-employment income, which pays Class S PRSI and is taxed through a return.
What do I actually take home?
Going contract? See what a day rate leaves you. Choosing between two jobs? Compare them after tax and commuting.
Official sources
Where this tool applies a published rule, this is where the rule comes from. Check the source before acting on anything that matters.
- Revenue — Tax rates, bands and reliefs
Income tax bands and personal tax credits.
- Revenue — Universal Social Charge
USC rates, bands and the €13,000 exemption.
- Department of Social Protection
PRSI Class A rates for 2026, including the October 2026 increase.
- Revenue — Pensions
Age-related limits on pension relief and the €115,000 earnings cap.
Related checks
What is that pay rise actually worth?
Turn a gross increase into the extra euro that lands in your account each month.
Salary Increase CalculatorWhat does a pension contribution really cost me?
Age-banded relief limits and the net cost of contributing at Irish tax rates.
Pension Tax ReliefCan I claim the rent tax credit?
What the credit is worth, who qualifies, and how far back you can claim.
Rent Tax CreditNewShould I take this job?
Compare two jobs on take-home pay, pension, commute cost and time — not just the salary.
Job Offer ComparisonWhat to check next
Picked for what you just worked out — not a list of everything we make.
- Cut the bill legallyContributions come off before tax, at 40% for most higher-rate earners.
- Renting? €1,150 a yearThe Rent Tax Credit rises to €1,150 in 2027, and unclaimed years can be backdated four years.
- What Budget 2027 changed for youBand and credit changes move this number — this shows by how much.
- Contracting instead?The day rate that leaves you with the same take-home, after tax, pension and unpaid days.dayrate.ie · ours
CheckIreland is independent and is not affiliated with the Irish Government or any public body. This tool is general information built on published rules and typical costs — it is not financial, tax or legal advice, and it does not account for your individual circumstances. Confirm anything that matters with the relevant body or a qualified adviser before acting on it.