Tool

Pay rise calculator

See how much of your raise you actually take home — and when you cross a tax band.

Budget 2026 rates. Single PAYE worker, standard credits.

Your salary

€38,000
€15,000€120,000

Pay rise as

5%
1%30%

New salary

€39,900

+€1,900 gross (5%)

Extra take-home / year

+€1,366

or +€114/month

Take-home rate on rise

71.9%

of the gross €1,900 rise you keep

Before vs after

CurrentAfter riseChange
Gross salary€38,000€39,900+€1,900
Income tax (PAYE)€3,600€3,980+€380
USC€792€868+€76
PRSI (4.1%)€1,558€1,636+€78
Net take-home€32,050€33,416+€1,366
Marginal rate (current)28.1%
Marginal rate (after rise)28.1%

How to reduce the tax on your rise

  • Increase pension contributions:Contributions reduce your taxable income for PAYE. If you’re crossing into the 40% band, directing some of the rise into pension reduces the amount taxed at 40%.
  • Salary sacrifice schemes: Bike to Work and TaxSaver commuter tickets are paid from gross salary and avoid income tax, USC, and PRSI.
  • Ask for non-cash benefits: Some benefits (e.g. employer health insurance contributions) are taxed differently or attract lower effective rates than a cash salary increase.

See your full take-home breakdown: Take-home pay calculator →