Why is my take-home pay lower from October?

Employee PRSI rises a little every 1 October until 2028. It went from 4.2% to 4.35% on 1 October 2026, and goes to 4.5% on 1 October 2027. On €5,000 a month that is €7.50 less from October 2026.

What are my weekly tax credits and cut-off point?

Your employer divides the yearly figures on your Revenue Payroll Notification by 52 for weekly pay (26 fortnightly, 12 monthly). In 2026 a single person's €4,000 of credits is €76.92 a week and the €44,000 cut-off point is €846.16 a week.

Does my pension contribution reduce USC and PRSI?

No. Pension contributions get relief from income tax only. There's a limit by age: 15% of earnings under 30, rising to 40% from 60, on earnings up to €115,000. USC and PRSI are charged on your full pay.

Pay

PAYE calculator

What each pay day leaves you with after income tax, USC and PRSI, worked out the way your employer's payroll does it.

Self-assessment tool. The figures come from your own answers. It isn't advice, and you're responsible for what you file or claim. heypenny.ie is a trading name of Kinch Press. Read the disclaimer.

Common questions

Why is my take-home pay lower from October?: Employee PRSI rises a little every 1 October until 2028. It went from 4.2% to 4.35% on 1 October 2026, and goes to 4.5% on 1 October 2027. On €5,000 a month that is €7.50 less from October 2026.
What are my weekly tax credits and cut-off point?: Your employer divides the yearly figures on your Revenue Payroll Notification by 52 for weekly pay (26 fortnightly, 12 monthly). In 2026 a single person's €4,000 of credits is €76.92 a week and the €44,000 cut-off point is €846.16 a week.
Does my pension contribution reduce USC and PRSI?: No. Pension contributions get relief from income tax only. There's a limit by age: 15% of earnings under 30, rising to 40% from 60, on earnings up to €115,000. USC and PRSI are charged on your full pay.

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