Ireland Salary Optimisation

Deductions & supported scenarios

Supported payments: none yet. Tax deductibility and actual cash payments are tracked separately. Enter only the payment arrangements described in the questions and country limitations.

Where an optimisation scenario is supported, the engine recalculates tax and shows the trade-off in spendable income. Absence of a suggestion does not establish that no other legal relief exists.

Calculation assumptions

• Single Irish tax-resident PAYE employee, aged 23-59 throughout 2026, no dependants or full medical card, one Class A employment.
• Equal monthly ordinary salary for the whole year, between EUR30,000 and EUR80,000; no low-pay PRSI credit or lower employer-rate band applies.
• MyFutureFund membership is assumed active from January through December, without opt-out, suspension or an existing occupational pension. The selected profile must match your actual enrolment.
• PRSI uses nine monthly payments at 4.2% and three at 4.35%; employer rates are 11.25% and 11.40%. Each monthly payment is rounded to cents.
• Personal and PAYE credits of EUR2,000 each apply only to income tax. USC is computed separately on gross pay without pension relief.
• MyFutureFund employee and employer contributions are 1.5% of gross. Employee payments reduce net cash, not taxable pay. The 0.5% State top-up goes into retirement savings and is not cash take-home.
• Annual assessment estimate with monthly net averaged across the year; actual January-September and October-December payslips differ.

Coverage & limitations

Coverage: Standard · Rule version: IE-2026-v2 · Tax year: 2026 · Independent verification: pending.

• Limited to the stated single-person Class A and full-year MyFutureFund profile; actual enrolment notifications and payslips control payroll deductions.
• No rent or mortgage credits, pension relief, emergency tax, benefit in kind, other income, married assessment, medical-card USC relief or opt-out refunds.
• Gross outside EUR30,000-80,000 is unsupported, including pay-period overshoot of the MyFutureFund annual threshold.
• Employer totals include PRSI and MyFutureFund only. No benefit eligibility is inferred. Independent professional verification pending.

Official sources

• Income tax credits, bands and USC · Budget 2026 - Revenue Commissioners
• PRSI Class A · January and October 2026 rates - Department of Social Protection
• MyFutureFund participant guide · contributions and net-pay treatment - National Automatic Enrolment Retirement Savings Authority

Source research date: 16 October 2026. This is distinct from independent professional verification. Automated source checks appear in the administration dashboard after the worker runs.

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