How much of a pay rise do I keep?

Above the 20% band (€44,000 single in 2026), about 52.8%: 40% income tax, 3% USC and 4.2% PRSI come off. If the rise takes you over €70,044, the extra above that pays 8% USC, so you keep about 47.8%.

Is an employer pension contribution worth as much as salary?

Often more. What your employer puts into your pension isn't taxed as your income, so €1,000 goes in whole. €1,000 of salary leaves about €528 after tax if you pay 40%.

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Two or more salaries side by side after tax, with bonuses and pensions, so you see what the difference is really worth.

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

How much of a pay rise do I keep?: Above the 20% band (€44,000 single in 2026), about 52.8%: 40% income tax, 3% USC and 4.2% PRSI come off. If the rise takes you over €70,044, the extra above that pays 8% USC, so you keep about 47.8%.
Is an employer pension contribution worth as much as salary?: Often more. What your employer puts into your pension isn't taxed as your income, so €1,000 goes in whole. €1,000 of salary leaves about €528 after tax if you pay 40%.

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