Ireland's dedicated tax calculator. PAYE, USC, PRSI, mortgages and VAT — all in one place, always up to date.
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2026Tax Year
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Salary After Tax Calculator
Calculate your exact take-home pay after PAYE, USC and PRSI — updated for Ireland's 2026 tax year including all Budget 2026 changes.
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Your Tax Breakdown
Tax Year 2026
Gross Annual Salary—
Pension Deduction—
PAYE Income Tax—
USC (Universal Social Charge)—
PRSI (Social Insurance)—
Total Deductions—
Take-home
PAYE
USC
PRSI
Annual Take-Home Pay
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—
Effective Tax Rate
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ℹ️ 2026 rates: Tax credits €2,000 personal + €2,000 PAYE = €4,000 total. Band: €44,000 single / €53,000 married. USC 3rd band 3% (was 4%). PRSI 4.2% (rises to 4.35% Oct 2026).
For informational purposes only. Always verify with Revenue.ie or a qualified tax advisor.
Hourly Wage to Annual Salary
Convert any hourly rate to annual, monthly or weekly gross salary. Ireland minimum wage: €14.15/hr in 2026.
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Salary Breakdown
Gross Before Tax
Hourly Rate—
Daily (8 hrs)—
Weekly—
Monthly (avg)—
Annual Overtime Pay—
Annual Gross Salary
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Including overtime
Effective Hourly (incl. OT)
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ℹ️ Minimum wage 2026: €14.15/hr (up from €13.50 in 2025). Standard working week: 39 hours. Min annual leave: 20 days.
Gross figures only. Use Salary After Tax calculator to see net take-home pay.
Mortgage Affordability Calculator
Estimate maximum borrowing and monthly repayments using Central Bank of Ireland 2026 lending rules.
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Affordability Result
CBI Rules 2026
Combined Gross Income—
Max Borrowing (4× Income)—
Loan Required—
Your Deposit %—
Minimum Deposit Required—
Loan-to-Value (LTV)—
Total Amount Repaid—
Monthly Repayment
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Total Interest
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ℹ️ CBI 2026: FTBs — max 4× income, 10% deposit. Second/subsequent — 20% deposit. Some exceptions apply. Always consult a mortgage broker.
Illustrative only. Mortgage approval is at lender discretion. Always consult a qualified mortgage broker.
Irish VAT Calculator
Add or remove VAT using Ireland's current 2026 rates. Standard rate remains 23%.
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VAT Breakdown
Ireland 2026
Amount Before VAT (ex-VAT)—
VAT Amount—
Amount Including VAT
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VAT Rate Applied
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For informational purposes only. Always consult Revenue.ie.
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Frequently Asked Questions
Plain-English answers to the most common Irish tax questions — updated for 2026.
PAYE (Pay As You Earn) is Ireland's income tax system. In 2026, the first €44,000 of income (single person) is taxed at 20%. Income above that is taxed at 40%. Your bill is then reduced by tax credits — in 2026 everyone gets a Personal Tax Credit of €2,000 and a PAYE Employee Credit of €2,000, totalling €4,000 in annual credits.
USC rates for 2026: 0.5% on the first €12,012, 2% on €12,013–€28,700 (ceiling raised in Budget 2026 from €27,382), 3% on €28,701–€70,044, and 8% on income above €70,044. You are exempt if total income is €13,000 or less. Medical card holders and those aged 70+ with income under €60,000 pay a maximum 2% USC rate.
Employee PRSI (Class A) is 4.2% from January–September 2026, rising to 4.35% from 1 October 2026 as part of the pre-announced multi-year PRSI roadmap. Employees earning €352 or less per week are exempt. PRSI funds the State Pension, Jobseeker's Benefit, Maternity Benefit and other social welfare entitlements.
On €40,000 gross (single, 2026): PAYE = (€40,000 × 20%) − €4,000 credits = €4,000. USC ≈ €928. PRSI ≈ €1,680. Total deductions ≈ €6,608. Take-home ≈ €33,392/year or €2,783/month. Use our calculator above for your exact figure.
Budget 2026 (October 2025) made fewer personal tax changes than recent years. Key changes: Income tax bands unchanged (€44,000 single band not widened). USC 2% band ceiling raised to €28,700 (saving ~€26/year). PRSI rose to 4.2% from October 2025. Minimum wage rose to €14.15/hr. Rent Tax Credit extended to 2028 at €1,000/year. Mortgage Interest Relief extended to end of 2026.
Ireland's national minimum wage is €14.15 per hour from 1 January 2026, up from €13.50 in 2025. For a 39-hour week over 52 weeks, this equates to approximately €28,680 per year gross before tax.
The standard rate of 20% applies to the first €44,000 for a single person (€53,000 for a married couple with one income). The higher rate of 40% applies to all income above those thresholds. Budget 2026 did not widen these bands — the first time in several years.
Yes. Common refundable credits: medical expenses (20% relief), remote working (€3.20/day), rent tax credit (up to €1,000), tuition fees, flat-rate expenses. You can claim back 4 years through Revenue's myAccount at revenue.ie.
The Rent Tax Credit is €1,000/year for a single person (€2,000 for couples) and has been extended to 2028 by Budget 2026. It applies to private renters not receiving State housing support. Claim via Revenue myAccount — backdatable to 2022.
Yes. Contributions to an approved pension scheme are fully deductible before PAYE is calculated, giving relief at your marginal rate (20% or 40%). They do not reduce USC or PRSI. Max limits range from 15% (under 30) to 40% (aged 60+) of net relevant earnings.
Gross pay is your salary before any deductions. Net pay (take-home) is what lands in your bank after PAYE, USC and PRSI. For most Irish workers, net is typically 20–30% less than gross. Use our Salary After Tax calculator for your exact figure.
Central Bank of Ireland rules: first-time buyers can borrow up to 4× gross income with a 10% deposit. Second/subsequent buyers need a 20% deposit. On €80,000 combined income you could potentially borrow up to €320,000. Use our Mortgage Calculator above for your figures.
Yes — our calculators use official 2026 rates: USC bands updated (3% mid band, €28,700 ceiling), tax credits of €2,000 each, PRSI at 4.2%, and standard rate band of €44,000. They provide accurate estimates for standard PAYE employment. For complex situations (rental income, self-employment, share options) always consult a tax professional or Revenue.ie.
Irish Tax Guides 2026
Plain-English explanations of Irish tax — written for workers, not accountants.
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Irish Tax Bands Explained for 2026
Everything you need to know about the 20% and 40% tax bands, standard rate cut-off points, and how your income is actually taxed in Ireland.
READ GUIDE →
💡
How to Maximise Your Tax Credits in Ireland
Most Irish workers leave money on the table every year. Here's every credit and relief you're entitled to — and how to claim it back from Revenue.
READ GUIDE →
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Budget 2026: What Changed for Irish Workers
A plain-English breakdown of Budget 2026 — USC changes, minimum wage rise, rent credit extension and what it all means for your take-home pay.
If you've ever looked at your payslip and wondered why a pay rise didn't make much difference, the answer lies in Ireland's tax bands. Here's how they work in plain English.
The Two Tax Rates
Ireland uses a two-rate income tax system. You pay 20% on income up to a threshold and 40% on everything above it. That threshold is called the Standard Rate Cut-Off Point (SRCOP).
For 2026 (unchanged from 2025 — Budget 2026 did not widen the bands):
Single Person
€44,000
taxed at 20%
Married (1 income)
€53,000
taxed at 20%
A Real Example — €55,000 Salary in 2026
First €44,000 at 20% = €8,800. Remaining €11,000 at 40% = €4,400. Gross tax = €13,200. Minus credits of €4,000 (€2,000 Personal + €2,000 PAYE). Actual PAYE = €9,200. USC and PRSI are added on top — use our salary calculator for the full breakdown.
Why Budget 2026 Didn't Widen the Bands
For the first time in several years, Budget 2026 did not increase the standard rate band. As wages grow, more workers are being pulled into the 40% rate — known as bracket creep. The only relief was a modest widening of the USC 2% band ceiling to €28,700.
Married Couples Get a Higher Band
Married couples can transfer unused standard rate band between spouses up to €53,000 on one income. If both spouses work, each gets their own €44,000 band (combined max €88,000). This makes marriage tax-efficient for couples with unequal incomes.
Most Irish workers are entitled to more tax relief than they actually claim. Revenue doesn't automatically apply everything you're owed — you have to claim it yourself.
What Are Tax Credits?
Tax credits directly reduce the amount of tax you owe — euro for euro. A €500 credit saves you exactly €500 regardless of whether you're a 20% or 40% taxpayer.
Credits Everyone Gets Automatically in 2026
Personal Tax Credit€2,000
PAYE Employee Credit€2,000
Total (Single PAYE Worker)€4,000
Credits You Need to Claim Yourself
Rent Tax Credit (up to €1,000) — Extended to 2028 in Budget 2026. If you rent privately with no State housing support, claim 20% of rent paid up to €1,000/year via Revenue myAccount. Backdatable to 2022.
Medical Expenses (20% relief) — Non-reimbursed medical, dental and optical costs qualify. Keep receipts and claim via Revenue's Health Expenses section. No minimum spend required.
Remote Working Relief (€3.20/day) — For each day you work from home you can claim €3.20 tax-free. At 40% tax that's €1.28/day — over €300/year for full-time home workers.
Tuition Fees Relief (20%) — If paying third-level fees for yourself or a dependant, claim 20% relief on fees above €3,000 per course.
Flat Rate Expenses — Many professions have agreed allowances with Revenue — nurses, teachers, construction workers and more. Check Revenue.ie for your category.
Mortgage Interest Relief — Extended to end of 2026 (reduced level). Qualifying homeowners with mortgages between €80,000–€500,000 may be eligible.
How to Claim — Revenue myAccount
All claims are made through Revenue's myAccount at revenue.ie. Free to set up, and you can claim back up to 4 years of overpaid tax.
💡 Quick Tip
If you've been renting privately since 2022 and haven't claimed the Rent Tax Credit, you could be owed up to €4,000 in refunds across 2022–2025. Claim now at revenue.ie/myaccount.
For informational purposes only. Always verify with Revenue.ie or a qualified tax advisor.
Budget announced October 2025 · Effective 1 January 2026 · 4 min read
Budget 2026 was announced in October 2025 by Minister Donohoe. Unlike previous budgets, it made relatively few personal income tax changes. Here's exactly what changed.
Income Tax Bands — Unchanged for First Time in Years
The standard rate cut-off point was not increased in Budget 2026. The single person threshold remains at €44,000. As wages grow, this means more workers are being pulled into the 40% bracket — a phenomenon called bracket creep.
USC 2% Band Widened to €28,700
The only direct income tax relief was raising the ceiling of the 2% USC band from €27,382 to €28,700. This means an extra €1,318 of income is taxed at 2% instead of 3%, saving affected workers approximately €26 per year. Modest, but real.
PRSI Increased to 4.2%
Employee PRSI increased from 4.1% to 4.2% from 1 October 2025 (pre-announced before Budget 2026). A further increase to 4.35% is legislated for October 2026, as part of the multi-year PRSI roadmap to fund the future State Pension.
Minimum Wage Rose to €14.15/hr
The national minimum wage rose to €14.15 per hour from 1 January 2026, up from €13.50 (+65 cent). For a full-time 39-hour week worker this is an extra ~€1,322 per year in gross pay.
Rent Tax Credit Extended to 2028
The Rent Tax Credit of €1,000/year for single renters (€2,000 for couples) was extended until end of 2028. Unchanged in value but the extension provides certainty for renters. Claim via Revenue myAccount — backdatable to 2022.
Mortgage Interest Relief Extended
Mortgage Interest Relief extended to end of 2026 at a reduced level (max credit €1,250 for 2025, reducing to €625 for 2026). Applies to qualifying homeowners with outstanding mortgage balances of €80,000–€500,000.
What It Means for Your Take-Home Pay
Unlike previous budgets, most PAYE workers will see little or no increase in take-home pay from Budget 2026 income tax measures. The USC band change saves at most ~€26/year. The PRSI increase from October 2025 will slightly reduce take-home for most workers. Minimum wage workers benefit most from the €0.65/hr increase.
For informational purposes only. Always consult Revenue.ie or a qualified tax advisor.
About ClearTax Ireland
Free Irish tax calculators — updated for 2026
What is ClearTax Ireland?
ClearTax Ireland is a free, independent website providing easy-to-use tax and salary calculators built specifically for the Irish tax system. Our tools cover PAYE income tax, USC, PRSI, mortgage affordability and VAT.
Why We Built It
Irish tax calculations — especially the combination of PAYE, USC and PRSI — can be confusing. We built ClearTax Ireland to give employees, job seekers and employers a fast, clear and accurate way to understand take-home pay without needing an accountant.
Always Up to Date
Our calculators are reviewed and updated after every Irish Budget announcement to reflect the latest rates, bands and credits published by Revenue.ie.
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ClearTax Ireland is completely free to use. We are supported by advertising. We never charge for any calculator.
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