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Ireland
EUR · Tax year 2025

Ireland

National calculators for every personal finance situation. PAYE, USC, PRSI, mortgage, VAT and pension — all modeled on current Revenue and Central Bank of Ireland rules.

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Calculators 8 Revenue-aligned
Higher Rate 40% above standard band
VAT 23% standard rate
USC Top 8% top USC band

Quick estimates

Run a one-input estimate before opening the full calculator. Sourced from Revenue.

Take-home pay Revenue 2025 PAYE + USC + 4.2% PRSI, single
EUR
Estimated take-home — /yr
Open full calculator
VAT quick calc Standard 23% VAT rate
EUR
Total with VAT —
Open full calculator
Mortgage repayment Principal & interest, 30-year term
EUR
% p.a.
Monthly repayment — /mo
Open full calculator

What changed this year

Recent rate, bracket and threshold changes from Revenue and the relevant authorities.

1 Jan 2025

Standard rate cut-off raised to EUR 44,000

The 20% standard rate band for single individuals rose from EUR 42,000 to EUR 44,000. The 40% higher rate applies above the cut-off.

Revenue
1 Jan 2025

Personal & PAYE credits raised to EUR 2,000

Both the Personal Tax Credit and Employee (PAYE) Credit increased by EUR 125 to EUR 2,000 each, giving a maximum credit of EUR 4,000 for PAYE workers.

Revenue
1 Oct 2025

PRSI Class A raised to 4.2%

Employee PRSI rose from 4.1% to 4.2%. A further 0.15% increase is legislated for 1 October 2026.

Revenue
1 Jan 2025

USC third band rate cut to 3%

The third USC band rate was reduced from 4% to 3%. The upper bound of the second band rose to EUR 27,382.

Revenue
1 Jan 2026

Auto-enrolment pension scheme launches

Mandatory pension auto-enrolment begins. Employee, employer and government contributions start at 1.5% of gross earnings, scaling up over time.

Department of Social Protection

How Money Snap calculators work

Three steps to a sourced estimate.

01

Select a calculator

Pick the Ireland calculator that matches the figure to estimate.

02

Enter inputs

Add income, loan or property values. Inputs stay in your browser only.

03

Review the breakdown

See itemised results based on official Revenue brackets and current rates.

Frequently asked questions

Common questions about Money Snap Ireland calculators.

All calculations run in your browser. Inputs are not stored, transmitted or shared by Money Snap.
Irish calculators reference the current Revenue tax year. Standard rate cut-off points and tax credits are sourced from Revenue.
The Income Tax Calculator applies USC bands and PRSI Class A rates from Revenue. Other PRSI classes apply to self-employed and public sector workers.
The mortgage calculator references Central Bank of Ireland loan-to-income (LTI) and loan-to-value (LTV) macroprudential rules.
The Pension Calculator applies marginal-rate income tax relief within Revenue age-related contribution limits and the earnings limit.
The standard VAT rate in Ireland is 23%, as published by Revenue. Reduced rates of 13.5% and 9% apply to specific categories.
No. Money Snap is an information platform. Results are estimates only and do not constitute financial, tax or legal advice.
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Money Snap Ireland calculators are sourced from Revenue and reviewed each fiscal period. Pass it along to a friend, colleague or family member who might find it useful.

Methodology & data sources

How Money Snap Ireland calculators are built, sourced and maintained.

Data sources
Revenue Commissioners
revenue.ie
Income tax, USC, PRSI, VAT, stamp duty, CGT
Reviewed quarterly
Central Bank of Ireland
centralbank.ie
Mortgage measures (LTI/LTV caps), lender supervision
Reviewed quarterly
Central Statistics Office
cso.ie
CPI for inflation calculations, HICP
Reviewed monthly
Department of Social Protection
gov.ie
PRSI rules, pension auto-enrolment
Reviewed quarterly
Methodology
Income tax Revenue PAYE bands for 2025: 20% standard rate up to EUR 44,000 (single), 40% above. Personal and PAYE credits of EUR 2,000 each.
USC 2025 rates: 0.5% to EUR 12,012, 2% to EUR 27,382, 3% to EUR 70,044, 8% above. No USC if total income ≤ EUR 13,000.
PRSI Class A 4.1% prior to 1 October 2025, 4.2% thereafter. Annual blended rate applied for partial-year coverage.
Mortgage Standard principal-and-interest amortisation. ECB-tracker rates referenced where applicable.
Editorial standards
  • Money Snap does not provide financial advice. Results are illustrative estimates only.
  • No product is ranked, recommended or endorsed.
  • No AI-generated investment recommendations are produced anywhere on the platform.
  • Rate figures are sourced exclusively from official government and regulatory channels.

This page is provided for educational and informational purposes only and does not constitute financial advice. Results from linked calculators are estimates based on the inputs provided. Rates, tax brackets and regulations are subject to change. Refer to the Revenue Commissioners and the Central Bank of Ireland and seek independent professional advice.

Sources: Revenue Central Bank of Ireland