Ireland Take-Home Pay Calculator (2026) Widget

Give Irish job seekers and employees a 2026 net pay figure built from Revenue's own rate bands, tax credits and USC bands, with Class A PRSI at 4.2% or the 4.35% rate that starts on 1 October 2026 - per week, fortnight, month or year, for single people, single parents and married couples.

Finance Calculator Runs in your browser Free · no ads

Customize your widget

Theme
Auto follows the visitor's light/dark setting.
Style
Attribution on your page
Optional and entirely your choice. The exact line is shown in the code below; it links to the tool with rel="nofollow".
More options
Starting values
Leave blank to use the widget's defaults. Visitors can still change every value.

Live preview

Exactly what your visitors will see

Embed code

<iframe src="https://a2z.tools/embed/w/ireland-take-home-pay" title="Ireland Take-Home Pay Calculator (2026) by A2Z Tools" width="100%" height="1220" style="border:0;width:100%" loading="lazy" allow="clipboard-write"></iframe>

A plain iframe. Works everywhere, including site builders that strip scripts. Adjust height if your content needs more room.

Works with

How it works

Pay is turned into a yearly figure (weekly x 52, fortnightly x 26, monthly x 12) because Ireland's tax year is the calendar year. A pension contribution is relieved from income tax up to the age-related limit (15% of earnings under 30 rising to 40% at 60, on earnings up to €115,000), but never from USC or PRSI. Taxable pay is charged 20% inside the standard rate band - €44,000 single, €48,000 for a single parent claiming the Single Person Child Carer Credit, €53,000 for a married couple, plus up to €35,000 more when both spouses earn - and 40% above it. Tax credits are then subtracted: €2,000 personal (€4,000 married), €1,900 SPCCC and a €2,000 Employee Tax Credit per earner. USC is nil at €13,000 or less, otherwise 0.5%, 2%, 3% and 8% across €12,012, €28,700 and €70,044. Class A PRSI is calculated on weekly pay: nothing up to €352, then 4.2% (4.35% from 1 October 2026) of all earnings, softened by a credit of up to €12 that tapers away by €424.

Calculation method

  • Annual pay = weekly x 52, fortnightly x 26 or monthly x 12; tax year 1 January - 31 December 2026
  • Pension relieved = min(contribution, age % x min(pay, 115,000)); age %: 15 / 20 / 25 / 30 / 35 / 40
  • Band: single 44,000; SPCCC 48,000; married one income 53,000; married two incomes 53,000 + min(35,000, lower income)
  • Income tax = 20% x min(taxable, band) + 40% x (taxable - band) - credits, floored at 0
  • Credits: personal 2,000 (married 4,000) + SPCCC 1,900 + Employee 2,000 per earner (or 20% of PAYE income if lower)
  • USC = 0 if income <= 13,000; else 0.5% to 12,012, 2% to 28,700, 3% to 70,044, 8% above (reduced: 0.5% / 2% if 70+ or medical card and income <= 60,000)
  • PRSI week w = annual / 52: 0 if w <= 352; else round(w x rate) - credit, credit = 12 - round((w - 352.01) / 6) for w <= 424
  • Whole-year PRSI = 39 weeks at 4.2% + 13 weeks at 4.35%

Worked examples

Single employee on €50,000

Inputs: €50,000 a year, single, no pension, PRSI for the whole of 2026

Result: Take-home €39,648.57 a year: income tax €7,200.00, USC €1,032.82, PRSI €2,118.61

Tax €8,800 + €6,000 x 40% - €4,000 credits; PRSI 39 x €40.38 + 13 x €41.83.

Married, two incomes

Inputs: €60,000 and €30,000 a year, joint assessment, no pension

Result: Household take-home €73,020.68: income tax €11,400.00, USC €1,765.64, PRSI €3,813.68

Band €53,000 + €30,000 = €83,000; credits €4,000 + 2 x €2,000.

Pension relief at 40%

Inputs: €50,000 a year, single, 5% pension, aged 30 to 39

Result: Take-home €38,148.57; income tax falls to €6,200.00

The €2,500 contribution is relieved at 40%, so it costs €1,500; USC and PRSI do not change.

An estimate of Irish income tax, USC and PRSI for planning, not tax or financial advice. Your Revenue Payroll Notification and payslip decide what is deducted.

Limitations

  • Assumes the same PAYE pay every week of 2026 on the cumulative basis; emergency tax, Week 1 basis, bonuses and second jobs are not modelled.
  • Credits other than personal, SPCCC and Employee Tax Credit, benefit-in-kind and non-PAYE income are not included.
  • PRSI is worked out on weekly earnings (annual / 52) for every pay frequency, so monthly payslips can differ by cents.
  • For married couples on two incomes the spouse is assumed to make no pension contribution and to pay standard USC.

Where publishers use it

  • A Dublin recruitment agency's job listings showing the monthly net pay of a €55,000 role
  • An Irish payroll bureau's blog post explaining the 1 October 2026 PRSI increase to employers' staff
  • A credit union's mortgage page letting a couple check joint take-home pay on two incomes
  • A student union page showing why a part-time wage under €352 a week pays no PRSI
  • A pensions adviser's article illustrating how a 10% contribution costs only 60% after 40% relief

Questions

Why does the PRSI figure change in October 2026?

The Department of Social Protection's SW 14 guide sets Class A employee PRSI at 4.2% until 30 September 2026 and 4.35% from 1 October 2026. On €961.54 a week (a €50,000 salary) that is €40.38 a week before October and €41.83 after; the whole-year option adds 39 weeks of one and 13 of the other, €2,118.61 in total.

How does the PRSI credit work for low weekly pay?

Nobody pays employee PRSI on €352 a week or less. Above that, PRSI is charged on all earnings, but a credit of €12 a week reduces it, falling by one sixth of earnings over €352.01 and disappearing at €424. The DSP's own example: €377 a week gives a €15.83 charge at 4.2% minus a €7.83 credit, so €8.00.

When is someone exempt from USC?

If total income for the year is €13,000 or less, no USC is due at all. One euro more and USC applies to the whole income: €13,001 pays €60.06 on the first €12,012 and 2% of €989 (€19.78), €79.84 in total.

How is a married couple with two incomes taxed?

Under joint assessment the standard rate band is €53,000 plus the lower of €35,000 or the lower earner's income, and each earner keeps an Employee Tax Credit. With €60,000 and €30,000 the band is €83,000, so €7,000 is taxed at 40% and the couple's income tax is €11,400 after €8,000 of credits. The band increase cannot be moved to the higher earner.

Do pension contributions reduce USC and PRSI?

No. Revenue gives employee pension contributions income tax relief only, up to 15% of earnings under 30, 20% at 30-39, 25% at 40-49, 30% at 50-54, 35% at 55-59 and 40% from 60, with earnings counted up to €115,000. USC and PRSI are still worked out on full gross pay.

Which tax credits are left out?

Only the personal, Single Person Child Carer and Employee credits are used. Rent, Home Carer, Age, medical expenses and other credits on your Tax Credit Certificate would lower your tax further.

Sources

  1. Tax rates, bands and reliefs - Revenue Commissioners . 2026 rate bands (44,000 / 48,000 / 53,000 / 53,000 + up to 35,000), 20% and 40%, personal, SPCCC and Employee tax credits. Checked 2026-10-03.
  2. Employee Tax Credit - Revenue Commissioners . Maximum 2,000 for 2026, limited to 20% of PAYE income under 10,000. Checked 2026-10-03.
  3. Standard rates and thresholds of USC - Revenue Commissioners . 2026 USC bands 12,012 / 16,688 / 41,344 and rates 0.5% / 2% / 3% / 8%; exemption at total income of 13,000 or less on the USC overview page. Checked 2026-10-03.
  4. Reduced rates of USC - Revenue Commissioners . 0.5% and 2% for people aged 70 or over or with a full medical card whose income is 60,000 or less. Checked 2026-10-03.
  5. PRSI Contribution Rates and User Guide SW 14 (January 2026) - Department of Social Protection (gov.ie) . Class A employee 4.2% to 30 September 2026 and 4.35% from 1 October 2026; nil to 352 a week; PRSI credit 352.01-424. Checked 2026-10-03.
  6. Tax relief limits on pension contributions - Revenue Commissioners . Age-related limits 15%-40% and the 115,000 earnings cap; no USC or PRSI relief per the pension relief overview. Checked 2026-10-03.

Cite or recommend this tool

If you reference this tool in an article, course or documentation, these formats are ready to copy. They are optional - nothing is added to your site unless you paste it.

A2Z Tools Ireland Take-Home Pay Calculator (2026)
https://a2z.tools/embed/ireland-take-home-pay

Related widgets

More Finance widgets →

Preview

CustomizeGet code