Money
Money Tools Ireland
Money in Ireland is decided by rules most people never see: the standard rate cut-off point, the age-banded cap on pension relief, the USC bands, the PRSI threshold. These tools apply the published rules to your own numbers so you can see what you actually keep, what you actually owe, and where the money is going each month.
Most used
What do I actually take home?
Income tax, USC and PRSI on an Irish salary, with credits and pension relief applied.
Take-Home Pay CalculatorNewWhere is my money actually going?
Add up every recurring household cost and see which categories are worth attacking first.
Money Leak CheckerPopularAm I paying too much for electricity?
Compare Irish electricity and gas tariffs on net first-year cost, not headline rate.
Energy Switch ComparisonEverything else in money
Am I being paid enough?
Compare your pay against CSO earnings data by role, sector and region.
Salary BenchmarkNewWhat is that pay rise actually worth?
Turn a gross increase into the extra euro that lands in your account each month.
Salary Increase CalculatorNewWhat does a day rate leave me with?
Turn an Irish day rate into estimated annual take-home, via umbrella or a limited company.
Contractor Take-HomeNewWhat am I actually worth?
Everything you own minus everything you owe, with the breakdown that explains the number.
Net Worth CalculatorNewHow much should I keep in reserve?
A suggested range based on your essential outgoings, job security and dependants.
Emergency Fund CalculatorNewWhen will this debt actually be gone?
Payoff date, total interest, and what an extra €50 a month would change.
Debt Payoff CalculatorNewWill my pension be enough?
Project your pot to retirement and compare it against the income you want.
Pension Gap CalculatorWhat does a pension contribution really cost me?
Age-banded relief limits and the net cost of contributing at Irish tax rates.
Pension Tax ReliefWhere should my savings actually sit?
Compare Irish deposit rates and see what DIRT leaves you with.
Savings ComparisonWhat does living here actually cost?
A monthly household budget built from typical Irish costs by county and household size.
Cost of LivingWhat redundancy am I owed?
Statutory redundancy entitlement and how ex-gratia payments are taxed.
Redundancy Pay CalculatorHow much tax is due on this inheritance?
Group thresholds, the 33% rate and the reliefs that change the answer.
Inheritance Tax (CAT)What does the Budget mean for me?
Your household measured against the latest Budget changes.
Budget Impact CheckerWhat is the real rate I will get?
Convert between euro and other currencies, including the spread a provider adds.
Currency ConverterNewHow big is that increase, really?
Any price change in euro and percent, per month and per year — rent, bills or subscriptions.
Price Increase CalculatorCan I claim the rent tax credit?
What the credit is worth, who qualifies, and how far back you can claim.
Rent Tax CreditIs my employer following the law?
Minimum wage, breaks, holidays, notice and payslips measured against Irish rules.
Employee Rights CheckerWhat state pension will I get?
Your likely rate under the Total Contributions Approach and the new flexible ages.
State Pension CheckerWhat would I get if I lost my job?
Pay-Related Benefit and Jobseeker's rates, duration and qualifying conditions.
Jobseeker PaymentsWhich health plan is right for us?
Compare Irish health insurers on cover, excess and premium, including lifetime loading.
Health Insurance ComparisonMoney in Ireland — what to know
Most of what decides an Irish household’s finances is set by rules nobody reads: the standard rate cut-off point, the USC bands, the age-banded cap on pension tax relief, the PRSI threshold, the 33% DIRT on deposit interest. They are all published, and they all change with each Budget.
Start with what you actually keep
The gap between a gross salary and what lands in the account is larger than most people assume, and it widens above the standard rate cut-off point where the marginal rate on the next euro typically exceeds 48%. The take-home pay calculator applies the current rates and credits, and the salary increase calculator shows what a raise is worth after they have taken their share — which is usually about half.
Then find out where it goes
The Money Leak Checker adds up every recurring cost and ranks them by size. It deliberately does not tell you how much you could save, because that depends on your contracts and what the market will offer you — but it does tell you which line is worth attacking first, which is the useful half of that question.
Debt before savings, usually
A credit card at around 20% costs far more than any Irish deposit account pays, particularly after DIRT. The debt payoff calculator shows the payoff date the statement does not, and what an extra €50 a month would change. On a mortgage, the overpayment calculator does the same arithmetic over a longer term, where the sums get large.
The long-term ones
Pension contributions attract tax relief at your marginal rate, which means a €100 contribution can cost a higher-rate taxpayer around €60 of take-home pay — see pension tax relief. Whether what you are putting in is enough is a separate question, and the pension gap calculator answers it at three growth rates rather than pretending to know which one will happen.
If you want one number that summarises all of it, the net worth calculator is the honest annual check. It is only interesting as a series — this year against last year — which is exactly why it is worth starting now.
Common questions
How much tax will I pay on my salary in Ireland?
Income tax at 20% up to the standard rate cut-off point and 40% above it, plus USC across four bands and PRSI at the Class A rate. Tax credits reduce the income tax due. The take-home pay calculator applies all of it to your own salary rather than to an average.
What is the standard rate cut-off point?
The amount you can earn before income tax rises from 20% to 40%. It differs for single people, married couples who are jointly assessed, and single parents who qualify for the Single Person Child Carer Credit. Revenue publishes the current figures.
How much should I be saving?
The usual sequence is a small emergency buffer, then expensive debt, then pension contributions, then everything else. There is no universal percentage — the emergency fund and pension gap calculators size the first and third against your own circumstances.
Is it worth overpaying a loan or saving instead?
Compare the interest rate on the debt with what savings earn after DIRT, which is charged at 33% on Irish deposit interest. Debt at a higher rate than your after-tax savings return costs you money every month it stays outstanding.
Looking for something else?
Type the question rather than the tool name — the search matches on what each tool answers.