Take-home pay calculator 2026
Work out your net pay after income tax, USC and PRSI, with your pension, a bonus and a one-off payment, and every step of the sum shown.
Paid with that month's ordinary pay. PRSI on it is charged in that pay period.
Not yet included: credits other than the personal and employee tax credits, the reduced USC rates for medical card holders and people aged 70 or over, week 53, and PRSI classes other than A.
Every figure here is your ordinary pay spread evenly. A bonus or one-off payment is shown below, and in the worked calculation.
Where your €45,000 goes
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | €45,000.00 | €3,750.00 | €865.38 |
| Income tax | −€5,200.00 | −€433.33 | −€100.00 |
| USC | −€882.82 | −€73.57 | −€16.98 |
| PRSI | −€1,906.97 | −€158.91 | −€36.67 |
| Take-home pay | €37,010.21 | €3,084.18 | €711.73 |
Each figure in the Month and Week columns is the year's figure divided by 12 or 52 and rounded to the cent on its own, so a column can be a cent away from its own total.
Every step of your take-home pay
What these figures are, and what they are not
Income tax is charged on your pay after any pension contribution: at the standard rate up to your standard rate cut-off point and at the higher rate above it, less your tax credits. USC is charged on your pay before the pension contribution, in its own bands. PRSI is charged week by week on your gross pay, at the rate in force on each pay day.
The figures are a full year on Revenue's cumulative basis, which is what your payslips add up to over the year when your tax credits and cut-off point are the ones shown here. A single payslip can differ by a few cent, because income tax and USC are rounded each pay day.
Common questions
How is income tax worked out in Ireland?
Your pay after any pension contribution is taxed at 20% up to your standard rate cut-off point and at 40% above it. For a single person in 2026 the cut-off point is €44,000. Your tax credits then come off the tax: €2,000 personal tax credit and up to €2,000 employee tax credit for a single person. Income tax cannot go below nil.
What is USC and who pays it?
The Universal Social Charge is charged on your gross pay, before any pension contribution, in bands from 0.50% to 8%. If your total income for the year is €13,000 or less you pay no USC at all, and above that every band applies from the first euro.
How is PRSI charged on a bonus?
PRSI is a weekly charge that is never reconciled at the end of the year, so a bonus or one-off payment is charged in the pay period it is paid in, at the rate in force on that pay day. The Class A employee rate is 4.20% until 30 September 2026 and 4.35% from 1 October 2026.
MyNetIncome gives estimates, not tax or financial advice. Figures follow Revenue's rules for 2026; your payslip can differ because of your tax credit certificate, your pay dates, week 53 or credits this page does not ask about. Not affiliated with or endorsed by Revenue.Estimates, not tax or financial advice. Your payslip can differ. Not affiliated with Revenue.