Take-Home Pay

Enter your gross salary to see your net pay after all deductions.

Annual Gross Salary

Tax Status

Single Married (one income)

Your Results

Net Monthly Pay

Weekly

Annual

Effective rate: --%

Deduction	Annual
Income Tax	--
USC	--
PRSI	--
Total Deductions	--

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This calculator uses 2026 tax year rates verified against Revenue.ie. It provides estimates for general planning purposes. Individual circumstances may vary. For a personalised analysis, consider our paid reports.

Understanding Your Take-Home Pay

Your take-home pay is your gross salary minus income tax, USC, and PRSI. The amount you keep depends on your tax credits, your rate band, and whether you have any additional reliefs.

The Three Deductions

Income tax: 20% on income up to EUR 44,000 (single), 40% on the balance. Reduced by tax credits (minimum EUR 4,000 for a single PAYE worker).
USC: four bands from 0.5% to 8%. Exempt if total income is under EUR 13,000.
PRSI: 4.2% (rising to 4.35% from October 2026) on all earnings above EUR 352 per week.

Worked Example: EUR 45,000 salary

Income tax: EUR 45,000 at 20% = EUR 9,000. Less credits EUR 4,000 = EUR 5,000 net IT.

USC: approximately EUR 760. PRSI: approximately EUR 1,900.

Net annual pay: roughly EUR 37,340 or EUR 3,112 per month.

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Note: This calculator uses 2026 tax year rates verified against Revenue.ie. Tax rules change annually following the Budget.