Ireland · 2026
Ireland Pay rise calculator
See how much of an Irish pay rise you actually keep after Income Tax, PRSI and the Universal Social Charge (USC).
| Gross pay rise | €3,300 |
| Lost to tax and contributions47% marginal rate | - €1,558 |
| Take-home from the rise | €1,742 |
Compares take-home pay before and after the raise using the local income tax and social contribution rules. Excludes pension, student loan and benefit tapers.
A raise is taxed at your marginal rate, the rate on your top slice of income, so the gross increase and the amount you take home can differ a lot. Once your income passes the standard-rate cut-off, each extra euro is taxed at the higher 40% rate rather than 20%, with PRSI and USC on top. Enter your current salary and the raise to see your take-home increase and the percentage you keep on the rise.
How it works
- Enter your current gross annual salary.
- Enter the gross pay rise you have been offered or are negotiating.
- The calculator runs both figures through Irish Income Tax, PRSI and USC and compares the take-home pay.
- The difference is what the raise adds after tax and contributions, shown as money kept and as a keep rate.
Worked example
A salary near the standard-rate cut-off with a €5,000 rise: the part of the raise above the cut-off is taxed at 40% rather than 20%, plus PRSI and USC, so the take-home gain is well below the headline €5,000.
Frequently asked questions
Why do I keep so little of my Irish pay rise?+
Because a raise is taxed at your marginal rate. Past the standard-rate cut-off the Income Tax rate rises from 20% to 40%, and PRSI and USC apply as well, so the top of the raise is taxed more heavily than your average rate.
What is USC on a pay rise?+
The Universal Social Charge is a separate charge on gross income with its own rising bands. A pay rise can push part of your income into a higher USC band, adding to the marginal deduction on the increase.
Does this include pension contributions?+
No. It covers Income Tax, PRSI and USC. Pension contributions reduce taxable pay and are not assumed here, so treat the result as a guide.
Sources
- Tax rates, bands and reliefs (charts 2022-2026) · Revenue (Irish Tax and Customs)
- USC: Standard rates and thresholds · Revenue (Irish Tax and Customs)
- Universal Social Charge (USC): overview and exemption threshold · Revenue (Irish Tax and Customs)
- PRSI Class A rates · gov.ie (Department of Social Protection)
Last updated: 2026-01-01 · Applies to 2026
This is an estimate for general guidance, not financial, tax, legal or medical advice. Figures can change and individual circumstances vary. Always confirm with the official sources listed before making decisions.
- Compares Irish take-home pay before and after the raise using Income Tax, PRSI and USC. Excludes pension contributions and other deductions.
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