Calculate your Irish take-home pay for 2026 — Income Tax, USC, and PRSI combined, with a full breakdown by tax band and figures broken down by year, month, week, and day.
Income Tax applies 20% up to your standard rate band (€44,000 single, €48,000 single parent, €53,000 married one income) and 40% above it, then subtracts tax credits (€2,000 personal, €2,000 PAYE, €4,000 married/civil partner). A married couple with two incomes gets a combined band of €53,000 plus a non-transferable increase of up to €35,000 capped at the lower earner's own income — not a flat €88,000. USC is charged separately on gross income in four bands from 0.5% to 8%, with income up to €13,000 exempt. PRSI is 4.35% of gross for employees (from October 2026, tapering from a €12/week credit between €352 and €424) and follows the same rate for the self-employed above a €5,000 threshold, with a €650/year minimum.
The Universal Social Charge is a distinct tax on gross income, calculated independently of Income Tax with its own bands (0.5% up to €12,012, 2% up to €28,700, 3% up to €70,044, 8% above). It applies even where tax credits would zero out Income Tax, and income of €13,000 or less is exempt from it entirely.
Employees (Class A1) pay 4.35% of gross weekly income above €352 a week, effective from October 2026 (4.20% before that, from October 2025), with a tapered credit of up to €12 a week between €352 and €424. Self-employed individuals (Class S) pay the same headline rate above a €5,000 annual threshold, with a minimum annual charge of €650.
Every taxpayer gets the €2,000 Personal Tax Credit. PAYE employees also get a €2,000 PAYE Tax Credit; the self-employed get an equivalent €2,000 Earned Income Credit. Married couples/civil partners get a €4,000 credit in place of the personal credit, plus an employment credit for each spouse who works. These reduce tax payable directly, after the 20%/40% calculation, not your taxable income.
Because Income Tax, USC, and PRSI are three separate charges that all apply to your income — USC and PRSI don't disappear just because you're only taxed at the 40% Income Tax rate on part of your income. Add them together, not just the headline tax rate, to see your real deduction.
Figures are estimates for informational purposes only, based on the assumptions you enter, and are not tax advice. Consult a tax advisor or Revenue.ie before making financial decisions.