calculators.ieAll calculators

Pay rise calculator

2026 and 2027 rates

Enter your salary and the rise to see the extra take-home pay, the share of the rise you keep, and what it is worth after inflation.

Rise as
Tax status
Tax year of current salary
Tax year of new salary
Extra take-home pay a month 
Extra a year
 
Extra a week
 
Share of the rise you keep
 
Marginal rate
 
Your pay a year
NowAfterChange
Where the change comes from (a year)

This is an estimate for general information, based on the rates and rules described on this page. It is not financial, tax or legal advice and does not take account of your full circumstances. Check your own position with Revenue or a qualified tax adviser before making a decision. Terms of use.

Illustration for the pay rise calculator

Worked example

Single, €40,000 rising by 10% to €44,000 in 2026. Take-home pay goes from €33,572.18 to €36,482.68, an extra €2,910.50 a year or €242.54 a month. You keep 72.8% of the rise: the €4,000 is taxed at 20%, with USC at 3% and PRSI on top.

With 2% inflation, the new take-home pay is worth €35,767.33 in the old year's prices, a real gain of €2,195.15.

Moving from 2026 to 2027 with a 3% rise to €41,200, take-home pay rises by €1,077.35: €871.35 from the rise and €206.00 from the Budget 2027 changes.

How the pay rise is calculated

The calculator works out your take-home pay on the current salary in the first tax year, and on the new salary in the second, with the same calculation as the take-home pay calculator: income tax with the personal and employee credits, USC on all income once it is over €13,000, and Class A PRSI week by week.

  • Share you keep is the extra take-home pay from the rise alone, at the new year's rates, divided by the rise.
  • Marginal rate is the income tax, USC and PRSI on the next €100 of pay at your new salary.
  • Budget changes, when you pick two different years, are the difference in take-home pay on your current salary between the two years.
  • Real change divides the new take-home pay by 1 plus inflation and compares it with the old take-home pay.

Not included: pension contributions, benefit in kind, extra tax credits, a spouse's income, and means-tested payments that can change when your pay rises.

Sources

Rates last checked 10 October 2026. Every figure is listed on rates and sources.

Figures marked as announced come from Budget 2027 and are not law until the Finance Act or Social Welfare Act that brings them in is passed.

Questions

How much of a pay rise do I keep?
It depends on your marginal rate. Below the standard rate band most of a rise is taxed at 20% plus USC and PRSI, so you keep around 70%. Above the band (€44,000 for a single person in 2026) it is taxed at 40% plus USC and PRSI, so you keep about half. A single person on €60,000 keeps €1,583 of a €3,000 rise.
Can a pay rise leave me worse off?
Not through income tax, USC or PRSI on their own: no rate is 100%. The one exception is the USC exemption: once income passes €13,000, USC is charged on all of it, so a rise that just crosses that line loses a little more. Means-tested payments and grants, such as medical cards, SUSI or the Working Family Payment, can fall when pay rises, and those are not included here.
Why is my extra take-home pay less than the rise?
Every extra euro is taxed at your marginal rate: income tax, USC and PRSI together. Your marginal rate is higher than your average (effective) rate, so a rise is taxed more heavily than your pay as a whole.
Does the PRSI change in October affect my rise?
Yes, slightly. Employee PRSI rises by 0.15 points each October under the PRSI roadmap. The calculator counts the pay weeks at each rate in the year you choose.
How do I compare my pay this year with next year?
Choose 2026 for your current pay and 2027 for the new pay. The calculator splits the change into the part from the rise and the part from the Budget changes to bands, credits, USC and PRSI. The 2027 figures are as announced in Budget 2027, not yet law.
What does the inflation figure do?
It shows your new pay in the prices of the old year. If prices rise 2% and your take-home pay rises 1.5%, your real take-home pay has fallen by about 0.5%. Use the annual change in the Consumer Price Index from the CSO, or your own estimate.

Related calculators