Your 2026 and 2027 take-home side by side, with income tax, USC, PRSI, pension, BIK, rental income, salary sacrifice and investment tax. Built on the confirmed Budget 2027 figures.
Your take-home in 2027—
Better off per year—
Every month—in your pocket vs 2026
Tax, USC and PRSI—
What changed:Standard rate band €46,500Credits +€125 eachUSC 2% band to €30,300PRSI 4.5% from October 2027
Income
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€
Tax relief at your marginal rate. Max limits apply by age.
€
Not taxable — shown for reference in total comp only
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Company car, health insurance, gym etc. Added to taxable income.
€
Revenue-approved APSS/SAYE may be partially exempt — contact a tax advisor.
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30% of salary between €100k–€1m exempt from income tax. SARP must be pre-approved by Revenue.
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Revenue-approved creative works. Capped at €50,000 p.a.
Self-Employment & Rental
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Gets Earned Income Credit. USC 3% surcharge applies above €100k.
€
Deducted from self-employed income before tax.
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€
Deducted from rental income. Net rental profit is taxable.
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Flat Rate & Professional Expenses
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Flat rate expenses are deducted from gross pay before income tax (not USC/PRSI).
Personal Details
€
Taxed jointly with you for income tax. Results then show your household.
Medical card holders with income up to €60,000 pay at most 2% USC.
Tax Credits
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Credit = 20% of interest, max €1,250 per property.
Other Credits
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Any other credits not listed above.
Display Options
Target Take-Home
Enter the net amount you want to receive and we'll calculate the gross salary you need under 2027 tax rules.
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Result
Salary Sacrifice Planner
See how sacrificing salary into pension reduces your take-home by less than the amount you save — because you save the tax on it.
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Sacrifice Analysis — 2027
Capital Gains Tax (CGT)
€
Gain = sale price − purchase price − costs. CGT rate: 33%. Annual exemption: €1,270.
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ETF Exit Tax (Deemed Disposal)
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€
41% exit tax on gain. Deemed disposal every 8 years (from purchase date).
If ≥ 8 years, deemed disposal tax is due this year.
DIRT (Deposit Interest)
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DIRT rate: 33%. Banks deduct at source. Over-65s may be exempt if income is below threshold.
Investment Tax Summary
Your annual gain from Budget 2027
vs 2026 · effective January 2027
+€0
2026 vs 2027 Comparison
What Budget 2027 Changed for You
Full 2027 Breakdown
Share your result:
Effective Tax Rate — 2027
Marginal Rate — Next €1,000 Earned
SARP / Special Allowances Applied
Estimates only, not tax advice. Rates from the Department of Finance Budget 2027 Tax Policy Changes and KPMG Ireland's 2026/2027 rates tables, checked 9 October 2026. Changes apply from 1 January 2027 unless stated. PRSI is averaged over the year (old rate January to September, new rate October to December); the weekly PRSI credit for incomes between €352 and €424 isn't modelled. CGT falls to 31% for disposals on or after 7 October 2026; exit tax on funds and ETFs falls to 35%. DIRT and the €1,270 CGT exemption are shown at their current levels. Some measures may change when the Finance Bill is enacted.