Our free Irish income tax calculator shows you everything you need to know about your taxes and take home pay, all in under a minute. 

The calculator works like this: simply input your salary, tick the boxes that apply to you, and click ‘calculate’. Your results will be displayed instantly, with a clear breakdown of your earnings and tax burden.

And you can rest assured that all of the information on this page and in our take home pay calculator above is up to date for the 2026 tax year.

How is income tax calculated in Ireland?

Income tax in Ireland is calculated based on how much you earn and your personal circumstances. For a single person or widow, the first €44,000 (the Standard Rate Cut-Off in 2026) is taxed at 20%. Any income above this is taxed at 40%. 

Personal circumstances can increase the Standard Rate Cut-Off, which decreases the amount you will have to pay in income tax.

Calculator Assumptions

This Irish tax calculator is designed to estimate your income tax based on Irish tax rules in 2026, with the assumption that you are tax resident in Ireland.

The calculator applies current Revenue rates for income tax, USC and PRSI for the 2026 tax year. 

Where pension contributions are entered, we assume these qualify for tax relief within age-related limits.

PRSI is calculated at the full rate unless you select a reduced rate, and USC is calculated on gross income after pension contributions.

What tax do you pay on your income?

Most people in employment in Ireland are required to pay three taxes.

PAYE (income tax) is deducted from your salary by your employer. You will see PAYE on your payslips and in our tool above – but you can also use our income tax calculator to find out how much you would pay if your earnings were higher or lower.

Income from employment is taxed at two different rates in Ireland: 20% and 40%. Employees pay 20% of their gross salary up to the standard rate cut-off point, which for a single person is currently €44,000. Any earnings over this threshold are taxed at the higher 40% rate.

The threshold for lone parents and married couples with one income is higher – at €48,000 and €53,000 respectively. The standard rate cut-off for married couples with two incomes is up to €88,000.

Standard rate cut-off points in 2025

Single person €44,000 
Lone parent €48,000 
Married couple with one income €53,000
Married couple with 2 incomes Up to €88,000

PRSI (Pay Related Social Insurance) is your compulsory social insurance contribution to the Irish State.

If you earn more than €38 per week, PRSI is deducted from your wages and transferred to a current account managed by the State, which is used to fund benefits such as the State pension and Jobseekers’ payments.

How much employees and employers pay in PRSI depends on their earnings and social insurance class.

The most common is Class A, covering those in industrial, commercial and service roles, as well as most public and civil servants. A full list of classes can be found on the government’s website here.

Those in employment earning over €13,000 per year must also pay USC (Universal Social Charge). The USC you pay is determined by your income, with the percentage increasing in line with earnings. 

If you earn over €13,000 per year, the first €12,012 is taxed at 0.5%, rising to 2% on earnings between €12,012.01 and €28,700. The USC rate is 8% on earnings over €70,044. For self-employed income over €100,000 the rate is currently 11%. The State Pension is exempt from USC payments.

USC Rates 2026

Rate Income
0.5% Up to €12,012
2% Between €12,012.01 and €28,700
3% Between €28,700.01 and €70,044
8% €70,044.01 +
11% Self-employed earnings of €100,000+

Income Tax Brackets

Tax brackets in Ireland work according to your personal situation and your earnings. You are taxed 20% of your earnings up to the Standard Rate Cut-Off Point, which depends on your circumstances.

Standard rate cut-off points in 2026

Single person €44,000 
Lone parent €48,000 
Married couple with one income €53,000
Married couple with 2 incomes Up to €88,000

How to Reduce your Income Tax in Ireland

Tax credits and tax relief can significantly reduce the amount of tax you pay. There are a number of tax credits available, and while some are granted automatically, you must claim others yourself.

If you are resident in Ireland, Revenue will automatically grant a Personal Tax Credit of between €2,000 and €4,000, depending on your personal circumstances. For a single person, the maximum Personal Tax Credit in 2025 is €2,000.

Individuals whose earnings are subject to PAYE also receive an Employee Tax Credit. If your annual PAYE income is over €10,000, you will get the maximum credit of €2,000. If your PAYE income is below €10,000, then the tax credit is capped at 20% of your income.

Tax relief on pension contributions

You can further reduce your tax burden by making pension contributions, which qualify for tax relief. How much you can contribute with tax relief depends on your age, and an earnings threshold of €115,000.

The older you are, the more income you can contribute with tax relief. For those under 30, you can contribute 15%, and those aged over 60 can contribute 40%.

Next Steps

Now that you’ve calculated your income tax, it’s time to take a look at ways of reducing your tax burden by investing the right amount in your pension. You should consult a financial advisor to fully explore your options and make the right decision for you and your family’s future.

Similar Calculators

Pension retirement calculator (how much you need to contribute to reach your retirement goals)

Pension lump sum calculator (how much you can withdraw from your pension tax free)

Defined benefit calculator (how much is your DB pension worth at today’s transfer rates)

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