Disclaimer
Irish Money Clock provides estimates for general information and education. It is not tax advice, financial advice or legal advice, and it must not be used as the basis for a financial decision. This page sets out the limitations in detail, because knowing where a model stops being reliable is part of using it well.
Not advice, and not official
This site is published independently. It is not affiliated with, endorsed by, or operated on behalf of the Revenue Commissioners, the Department of Social Protection, the Department of Finance, or any other public body in Ireland or elsewhere. No figure shown here is an official determination of your tax liability.
The only authoritative sources for your own position are your official payslip, your Revenue myAccount record, and correspondence from Revenue or the Department of Social Protection. Where a decision matters, consult a qualified tax adviser or accountant.
What the calculator assumes
The estimates are produced with a deliberately simplified model of the 2026 rules for a single PAYE employee:
- A standard rate cut-off point of €44,000, with 20% below it and 40% above.
- Combined personal and employee tax credits of €4,000.
- Standard USC bands with a €13,000 exemption threshold.
- Class A employee PRSI at 4.2%, or a blended 4.2375% when the blended option is selected.
- Pension contributions reducing income for PAYE purposes only, not for USC or PRSI.
- A working year of 52.14 weeks at the weekly hours you enter.
- Year-to-date figures projected from 1 January at your current steady rate of earnings.
What it does not model
Your actual payslip will differ, sometimes substantially, if any of the following apply to you:
- Married, in a civil partnership, or jointly assessed. Cut-off points and credits differ, including transferable elements between spouses.
- Additional credits or reliefs — single person child carer, home carer, rent, medical expenses, tuition fees, flat rate expenses, remote working relief and others.
- Cumulative PAYE. Real payroll recalculates from year-to-date totals at each pay date. This tool annualises a steady rate instead, so a mid-year payslip will not reconcile exactly.
- Week 1, Month 1 or emergency basis. None of these are modelled.
- Variable pay — overtime multipliers, shift premiums, commission, bonuses and irregular hours.
- Benefit in kind and notional pay such as a company car or employer-paid health insurance.
- The PRSI credit for lower weekly earnings, and PRSI classes other than A.
- Reduced USC rates for people aged 70 or over and certain medical card holders.
- Other payroll deductions — salary sacrifice arrangements, union subscriptions, income protection, share schemes, court orders or local property tax collected through payroll.
- Any position outside Ireland, cross-border employment, or non-resident and split-year treatment.
Irish tax rates, bands, credits and PRSI rates are set annually in the Budget and can change mid-year. Figures on this site may be out of date at the moment you read them. Always confirm current official figures with Revenue before relying on any number here.
The animation is illustrative
The jar, coins and note chips on the home page are a visual representation of accumulating pay. They are not a record of any transaction, they do not reflect your bank balance, and the denominations shown are indicative only.
Third-party links and advertising
Links to external sites, including Revenue and the Department of Social Protection, are provided for convenience. We do not control their content and are not responsible for it.
Where you have consented to advertising, ads are served by Google and their content is chosen by Google, not by us. An advertisement on this site is not a recommendation or endorsement of the advertiser, their product or their advice. Please apply the usual caution to financial promotions, and check that any financial services provider is appropriately authorised.
No liability
The site is provided on an "as is" basis without warranties of any kind. To the fullest extent permitted by law, we accept no liability for any loss or damage arising from reliance on the information or estimates provided, including errors, omissions, out-of-date rates or interruptions to availability. Nothing in this disclaimer limits any liability that cannot be excluded under Irish law.
Your responsibility
You remain responsible for your own tax affairs. Use these estimates as a starting point for understanding your payslip and asking better questions — not as a substitute for your official records or for professional advice.