Net Salary Estimate
Enter your gross income and click Calculate to see your full salary breakdown for Ireland 2026
What this Net Salary Calculator shows
This Net Salary Calculator Ireland estimates 2026 take-home pay from your gross salary after Income Tax, USC, PRSI, and any annual pension contribution you include. It is built for PAYE-style employment and is most useful for salary comparison, pay-rise planning, bonus checks, and sense-checking a payslip.
Use the Advanced Settings when you want the result to reflect your own Revenue position more closely. The annual tax credits, standard rate cut-off point, pension deductions, and taxable employer benefits used on your payroll can materially change the final net pay estimate.
Your actual payslip can still differ where Revenue applies Week 1 or emergency basis, where credits and bands are split across multiple jobs, or where reduced USC or extra payroll deductions apply. That is why this page is designed to be both a take-home pay estimator and a guide to the questions worth checking on your Revenue record.
How This Calculator Works
1
Enter your gross income, choose the pay frequency, and select the tax status that best matches your PAYE situation.
2
The calculator annualises your pay, works out taxable pay for Income Tax, then applies the standard rate band and tax credits you are using.
3
USC and employee PRSI are estimated separately, while Advanced Settings let you reflect pension contributions, taxable employer benefits, annual tax credits, and your standard rate cut-off point.
4
Results are shown as annual net pay plus other pay frequencies, with a breakdown of Income Tax, USC, PRSI, pension, average rate, marginal rate, and bonus impact.
Who This Calculator Is For
Employees checking salary after tax in Ireland before accepting a new job offer.
Workers comparing annual, monthly, weekly, daily, or hourly gross pay against likely take-home pay.
People reviewing a payslip and trying to understand why PAYE, USC, PRSI, or pension deductions affect net income.
Employees planning a bonus, pay rise, pension contribution, or taxable employer benefit.
Anyone with one main PAYE job who wants a fast estimate before checking Revenue myAccount or their Tax Credit Certificate.
Frequently Asked Questions
What deductions are included in this net salary calculator?
This calculator estimates Income Tax, USC, and employee PRSI, and it also lets you include pension contributions and taxable employer benefits. It is designed for planning, so it does not include every possible payroll deduction such as union subscriptions, health insurance, attachment orders, or employer-specific schemes.
What is the difference between gross pay, taxable pay, and net pay?
Gross pay is your pay before deductions. Taxable pay for Income Tax can be lower than gross pay where allowable deductions such as qualifying pension contributions apply. Net pay is what remains after Income Tax, USC, PRSI, pension, and other deductions have been taken into account.
Why might my actual payslip differ from the calculator?
Actual payroll can differ because of Revenue basis rules, payroll rounding, exact pay-period treatment, taxable benefits, additional deductions, split credits between jobs, or reduced USC cases. This is why the calculator is best used as a planning estimate and then checked against your real payroll record.
Do tax credits reduce USC and PRSI?
No. Tax credits reduce Income Tax, but they do not reduce USC in the same way and they do not reduce PRSI. That is why two people on the same gross pay can still see different Income Tax outcomes while USC and PRSI remain closer to the same rules.
Can pension contributions change my take-home pay?
Yes. Pension contributions can improve take-home efficiency because qualifying employee contributions normally reduce taxable pay for Income Tax. However, employee pension contributions do not usually reduce USC or PRSI, so the effect is not the same across all deductions.
What if I have more than one job?
Your actual take-home pay can differ if Revenue has split your tax credits and standard rate band between more than one employment. If you have multiple PAYE jobs, always check how your credits and rate bands are allocated before relying on a single-job estimate.
Why is my first payslip or new-job payslip sometimes taxed more heavily?
This often happens when you are on Week 1 or emergency basis, or while Revenue details are still updating after a job change. In those situations, your yearly credits and bands may not be applied in the same way as a normal cumulative payroll calculation.
Where can I verify my pay, tax, and credits?
You can check the payroll information reported by your employer in Revenue myAccount under PAYE Services. This is one of the best ways to compare a calculator estimate with the pay, tax, USC, and credits actually being used on your record.
Related Guides
Salary After Tax in Ireland
Understand how gross salary turns into take-home pay.
Gross Pay vs Taxable Pay
Why Income Tax is not always calculated on the same figure as gross pay.
Tax Credits and Rate Bands
How credits and cut-off points change your PAYE result.
Why a Payslip Can Differ
Common reasons a payroll result and a calculator estimate do not match exactly.