Irish Financial Calculators · 2026
Accurate salary take-home, mortgage affordability, and pension tax relief — using the latest PAYE, PRSI, USC, and Central Bank of Ireland rules.
Calculations use 2026 Revenue.ie rates: 20%/40% income tax, 4.2% PRSI (Class A), and USC bands (0.5% / 2% / 3% / 8%). The tax credits field accepts your full annual credit entitlement — standard is Personal €2,000 + Employee €2,000 (single) or Personal €4,000 + Employee €2,000 (married). Credits reduce income tax only, not PRSI or USC. Does not include pension contributions or BIK. This is for guidance only — not financial or tax advice.
Uses the standard amortization formula. Central Bank of Ireland mortgage measures (effective 2023): max 90% LTV for first-time and second/subsequent buyers; max 4× LTI for FTBs, 3.5× for subsequent buyers. Interest rates shown are indicative — your lender's rate will differ. This is for guidance only — not financial advice.
2026 Revenue.ie rules: tax relief at your marginal rate on contributions up to the age-based % of earnings (capped at €115,000). No PRSI or USC relief on pension contributions. Employer contributions are additionally exempt from employer PRSI. The State Pension (Contributory) is €299.30/week (2026) for those with full contributions. This is for guidance only — not financial or pension advice.
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