Ireland Income Tax Calculator 2026: PAYE, USC and PRSI Take-Home Pay
Work out your Irish income tax, USC, PRSI and take-home pay for 2026 using Revenue.ie and Budget 2026 rates. Standard and higher rate bands, tax credits and pension relief. Free and private.
Last updated: June 2026
Pension contributions reduce your income tax. USC and PRSI still apply on gross.
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Take-home pay
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See your real Irish take-home pay
Irish payslips take three separate bites out of your gross salary, and this Ireland income tax calculator shows all of them. Enter your salary, choose your marital status and add any pension, and you get your income tax, USC and PRSI, plus the take-home pay you actually keep each month. It uses 2026 Revenue figures, so it matches what lands in your account.
Income tax is the big one. The first slice of your income is taxed at 20% up to your standard-rate band, €44,000 for a single person and more for married couples, and everything above is taxed at 40%. Then the personal and PAYE tax credits of €2,000 each, €4,000 in total after Budget 2026, are knocked off the tax you owe. On top of that, USC is charged in bands from 0.5% up to 8%, and Class A PRSI takes a flat 4.2% of your gross from January 2026.
The single best way to cut your Irish tax bill is a pension. Contributions get relief at your marginal rate, so a higher-rate earner effectively saves 40% on every euro paid in. This tool reduces your taxable income by your monthly contribution so you can see the effect. From January 2026, Ireland also began phasing in automatic pension enrolment, branded My Future Fund, starting at 1.5% from you matched by 1.5% from your employer, a further deduction this calculator does not yet apply. Comparing a move within these islands? Line it up against our UK income tax calculator, then plan the rest with the budget calculator.
Disclaimer: This calculator estimates Irish income tax, USC and PRSI for a standard PAYE employee. Rates are effective January 2026 per Budget 2026 (Revenue.ie); PRSI rises to 4.35% from October 2026. Additional tax credits (medical, rent, mortgage interest) and auto-enrolment (My Future Fund) are not included. Verify your exact position at revenue.ie or with an accountant. Full disclaimer.
How it works
Three quick steps — no account, nothing uploaded to a server.
Enter your salary
Type your annual gross salary and select your marital status.
Add a pension
Enter any monthly pension contribution to apply income tax relief.
See your take-home
Get income tax, USC, PRSI and net pay per year and per month.
Rates and rules on this page are verified against Revenue (Irish Tax and Customs). Last checked July 2026.
FAQ
Frequently asked questions
How is income tax calculated in Ireland for 2026?
Irish income tax has two rates. The standard rate of 20% applies up to your standard-rate band, which is €44,000 for a single person, €53,000 for a married couple with one income, and up to €88,000 for a married couple with two incomes. Income above the band is taxed at the higher rate of 40%. Everyone then gets tax credits, the personal credit of €2,000 and the PAYE credit of €2,000, totalling €4,000 after Budget 2026, which are subtracted from the tax due. This calculator applies the band and the credits automatically.
What is USC and how is it charged?
The Universal Social Charge (USC) is a separate tax on your gross income, charged in bands: 0.5% on the first €12,012, 2% from €12,013 to €28,700, 3% from €28,701 to €70,044, and 8% above €70,044. Unlike income tax, USC is not reduced by the personal or PAYE credits. It applies on top of income tax, so your total deduction is income tax plus USC plus PRSI.
What is PRSI for employees in Ireland?
Pay Related Social Insurance (PRSI) funds social welfare benefits. Most employees are Class A and pay 4.2% of their gross earnings from January 2026, rising to 4.35% from October 2026, once weekly pay exceeds the €352 threshold. Your employer also pays PRSI separately at a higher rate, but that does not come out of your pay. PRSI is charged on gross income alongside income tax and USC, which is why your take-home pay is noticeably less than your gross salary.
Do pension contributions reduce my Irish tax?
Yes. Personal pension contributions get income tax relief at your marginal rate, up to age-related percentage limits of your earnings. In practice, the contribution is taken off your income before income tax is calculated, so a higher-rate taxpayer effectively gets 40% relief. USC and PRSI are still charged on the gross amount. This calculator reduces your taxable income by the monthly pension figure you enter.
Is this calculator exact for my situation?
It gives a close estimate for a standard PAYE employee using 2026 Revenue figures. Your actual position can differ because of extra tax credits such as the home carer, rent, medical insurance or mortgage interest credits, the married two-income band transfer rules, benefit-in-kind, and your exact PRSI class. For your precise liability, check your payslip or Revenue's myAccount, or speak to an accountant.
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