Pay rise calculator Ireland
A pay rise is taxed at your top rates, so you keep less than the headline. On €45,000 a single person keeps 52.8% of any rise; under the €44,000 cut-off point it is 72.8%.
How much of a €1,000 rise you keep
| Current salary | Extra take-home a year | A month | Kept |
|---|---|---|---|
| €25,000 | €738 | €61.47 | 73.8% |
| €35,000 | €728 | €60.64 | 72.8% |
| €43,000 | €728 | €60.64 | 72.8% |
| €50,000 | €528 | €43.97 | 52.8% |
| €65,000 | €528 | €43.97 | 52.8% |
| €75,000 | €478 | €39.80 | 47.8% |
| €100,000 | €478 | €39.80 | 47.8% |
Below the cut-off point each extra euro loses 20% income tax, 3% USC (once you are past €28,700) and 4.2375% PRSI. Cross €44,000 and income tax jumps to 40%; above €70,044 USC goes to 8%, so you keep 47.8% of each extra euro. Tax credits don't change with income, so a rise never costs you credits.
Raises at the low end
Watch the thresholds if you work part-time. Going over €13,000 a year brings USC on all your income, and going over €352 a week brings PRSI on all your pay for that week, with only the PRSI credit to soften it. A small rise near either line can leave you only slightly ahead.
FAQ
Can a pay rise leave me worse off?
Through income tax, no. The only cliffs are USC once income passes €13,000 and PRSI once weekly pay passes €352, and even there the loss is small. Means-tested payments are another matter.
Why is my first payslip after a rise different?
Back pay, a mid-month change or the cumulative tax basis can make one payslip look odd. The calculator shows the steady position over a full year.
Does a rise affect MyFutureFund?
Yes, contributions are 1.5% of gross pay, so they go up with it, and your employer's matching contribution rises too.