Take-home pay, income tax, USC and PRSI
In Ireland your net pay depends on Income Tax, the USC (Universal Social Charge) and PRSI. These calculators use the Budget 2026 figures so you can see your take-home without checking Revenue's tables.
From gross to net
Income Tax is 20% up to €44,000 (for a single person) and 40% above, but tax credits of about €4,000 (personal + employee) reduce the bill directly. On top, the USC runs from 0.5% to 8% (you're exempt under €13,000), and PRSI takes 4.2%.
Mortgages, income and inflation
The average mortgage rate is around 3.8%, among the more moderate in the eurozone. The median individual income is roughly €41,000. And since 2010 prices are up about 32% (CSO CPI).
Key 2026 numbers
| Item | 2026 value (reference) |
|---|---|
| Income Tax | 20% up to €44,000, then 40% |
| Tax credits (single PAYE) | ~€4,000 |
| USC | 0.5% – 8% (exempt ≤ €13,000) |
| PRSI (Class A) | 4.2% |
| Avg mortgage rate | ~3.8% |
| Median income | ~€41,000 |
| Inflation since 2010 (CPI) | prices ~1.32× (100 → 132) |
These figures are estimates for a single PAYE worker and change each Budget. Your exact tax depends on your credits and circumstances. This is not financial advice — use it as a quick estimate.