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Ireland Take-Home Pay Calculator 2026

Ireland salary calculator

Ireland take-home pay calculator 2026

Estimate take-home for a steady PAYE employment after Income Tax, tax credits, USC, Class A PRSI, eligible pension contributions and optional MyFutureFund auto-enrolment.

2026 Irish rulesEURSingle and jointly assessed cases
Your Irish PAYE incomeSteady full-year estimate
€
€
Enter only the annual amount eligible for Income Tax relief. Age and earnings limits are not tested.
€
Optional manual amount already confirmed for 2026. Do not re-enter the personal, Employee or SPCCC credits included by the selected status.

PAYE income only, ordinary cumulative annual treatment and Class A PRSI on steady weekly-equivalent earnings. Allocation of credits or bands, emergency tax, benefits, non-PAYE income, Home Carer Credit and reduced USC are outside this model.

What this Irish salary calculator includes

The 2026 model applies the selected standard-rate band, the appropriate personal credit and the Employee Tax Credit for PAYE income. It calculates USC on gross employment income and estimates Class A employee PRSI using steady weekly-equivalent pay, including the change in employee rate from 1 October 2026.

For a jointly assessed two-income case, enter both PAYE salaries. The result is a combined household estimate: it combines taxable income and credits, uses the two-income band increase, and calculates USC, PRSI and MyFutureFund separately for each salary before adding them.

Credits and bands can be allocated in payroll. A household’s combined annual liability can differ from the cash withheld from one person’s payslip during the year. Revenue’s record, cumulative basis, allocation choices and actual pay dates control payroll deductions.

How pension contributions are treated

The entered employee pension contribution reduces the income used for Income Tax only. It does not reduce USC, and the simplified Class A PRSI calculation continues to use gross pay. Tax relief is subject to age-related percentage limits and the €115,000 earnings limit, so the calculator asks for the already-relievable amount rather than guessing eligibility.

How MyFutureFund is treated

MyFutureFund launched on 1 January 2026. For an eligible enrolled employee, the 2026–28 employee rate is 1.5%, matched by 1.5% from the employer and 0.5% from the State. The employee amount comes from net pay and does not receive separate Income Tax relief.

The system stops contributions after a pay period takes annual pay over the €80,000 contribution threshold. The calculator uses the selected pay frequency, so the contribution base can be slightly above €80,000 in the crossing period, matching the payroll design more closely than a simple annual cap.

Supported scenario

  • One or two steady PAYE Class A employments for the full 2026 calendar year
  • Single, qualifying single parent, jointly assessed one-income or jointly assessed two-income status
  • Ordinary 2026 USC rates rather than the age-70 or full-medical-card reduced rates
  • Confirmed annual pension relief and other tax credits entered manually where relevant
  • Optional MyFutureFund for a person who meets its age, earnings and pension-coverage rules

Not included

Emergency or Week 1 tax, exact tax-credit-certificate allocation, non-PAYE income, benefit-in-kind, director or self-employed PRSI, reduced USC, Home Carer Tax Credit, Rent Tax Credit, age or disability credits, medical expenses, pension-limit testing and refunds are outside the standard model.

Official sources

Frequently asked questions

Why does the married two-income result show household take-home?
Joint assessment combines bands and credits. Showing only one spouse’s net would require choosing how Revenue’s credits and rate band are allocated between payrolls. The combined result avoids pretending that allocation is known.
Why does a pension reduce Income Tax but not USC or PRSI?
Employee pension tax relief applies to Income Tax within statutory limits. Revenue states that employee pension contributions do not receive USC relief, and ordinary employee PRSI remains based on gross reckonable pay.
Can MyFutureFund and a payroll pension both be selected?
Eligibility normally requires no qualifying pension contribution through payroll. If a pension input represents a qualifying payroll scheme, leave MyFutureFund off and check the employer’s enrolment record.

Read the Irish deduction guides.

Use the focused pages for PAYE bands and credits, USC, PRSI and MyFutureFund.

Browse Ireland guides