Salary Increase Calculator

In Ireland, the proportion of a salary increase you keep depends on which tax band your raise falls into. If your current salary is below €44,000 and the raise keeps you under that threshold, you keep roughly 73% of the gross raise (after 20% income tax, USC, and PRSI). If any part of the raise falls above €44,000, it's taxed at 40%, and combined with USC and PRSI, you keep closer to 48–52% of that portion. The calculator above shows your exact retention rate based on your specific salary and raise.

In the UK, if your raise keeps you within the basic rate band (below £50,270 gross), you keep approximately 72% of the gross increase after 20% income tax and 8% National Insurance. If the raise pushes income above £50,270, the marginal rate rises to 42% (40% income tax plus 2% NI on that portion), meaning you keep roughly 58% of the amount above the threshold. Between £100,000 and £125,140, the effective marginal rate is 60% due to Personal Allowance tapering, so you keep only 40% of that slice. The calculator models all of this automatically.

Because income tax systems are progressive: each additional pound or euro you earn is taxed at the marginal rate for that band, not the average rate for your whole salary. A 10% gross raise rarely translates to a 10% net increase. Depending on your starting salary and which bands the raise crosses, you might keep anywhere from 48% to 75% of a gross pay rise. This is why calculating the net figure is essential before making financial decisions based on an expected raise.

Not necessarily. If your current salary and the raise both sit within the same tax band, your marginal rate stays constant. In Ireland, the standard rate band runs to €44,000 for a single person (€53,000 for a married couple with one income). In the UK, the basic rate band runs to £50,270. A raise that stays within these thresholds is taxed entirely at the lower rate. The calculator shows your effective and marginal rates before and after the raise so you can see exactly what changes.

Your effective tax rate (total tax divided by gross income) will almost always rise slightly after a pay increase, because the additional income is taxed at the marginal rate, which is typically higher than your current average. However, the effect is often smaller than expected — a €5,000 raise at the higher rate in Ireland will add roughly 1–2 percentage points to your effective rate, not jump it suddenly to 40%. The calculator shows both your current and post-raise effective rates side by side.

Yes. Use the 'New salary amount' toggle to enter the gross salary from your offer letter directly. This is useful when you've received a specific figure and want to compare it to your current take-home. The calculator computes the raise percentage automatically and shows you the net difference.

No. The calculator shows the gross-to-net impact of your raise before any pension deductions. Pension contributions reduce your taxable income, so if you increase your pension contribution alongside a raise, your actual net take-home change will differ. For most employees the raise impact shown here is a reliable estimate of the cash that lands in your account, assuming standard PAYE deductions with no other changes.

At €80,000, your marginal income tax rate in Ireland is 40% (since income above €44,000 is taxed at the higher rate). On top of that, USC is 8% on income above €70,044, and PRSI is 4.2%. Combined, the marginal tax burden on salary above €80,000 is approximately 52–53%, meaning you keep roughly 47–48 cents of every additional euro at that level.