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Garda Take-Home Pay Calculator Ireland (2026)
From the €39,194 starting salary to €60,333 at the top of the basic scale — see what a garda actually takes home after tax, USC, PRSI and superannuation. Private by design.
| Income tax PAYE | €3,839 |
| USC | €709 |
| PRSI 4.2% | €1,646 |
| Net annual 15.8% effective rate | €33,000 |
A garda on €39,194 (single) (before superannuation), takes home about €33,000 a year — roughly €2,750 a month — after income tax (€3,839), USC (€709) and PRSI (€1,646) in 2026. Unsocial-hours allowances and overtime are paid on top.
If you're weighing up the 2026 Garda recruitment campaign, the headline salary only tells half the story. The €39,194 you attest on lands closer to €2,750 a month in your account — but in practice most gardaí earn well above the basic scale, because the 12-hour core roster brings unsocial-hours allowances, and overtime pays time-and-a-half (double on Sundays). Put your realistic full gross in above — basic plus expected allowances — and you'll get a much truer picture than the recruitment poster gives you.
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How garda pay works in 2026
Gardaí are taxed as standard PAYE employees, with a public-service pension (superannuation + ASC) deducted from pay. The verified 2026 pay anchors from the official recruitment campaign:
| Stage | Pay (2026) |
|---|---|
| Trainee (36 weeks, Garda College) | €354 / week allowance, accommodation & food provided |
| On attestation | €39,194 |
| After 8 years | €60,333, with further increments beyond |
On top of basic pay, the core 12-hour roster attracts unsocial-hours allowances, and overtime is paid at 1.5× (2× on Sundays and public holidays) — so real gross pay is typically well above the scale point. Enter your full expected gross above for a realistic take-home.
The deductions
Income tax at 20% up to €44,000 (single) and 40% above, less the €2,000 Personal and €2,000 Employee credits; USC at 0.5%–8% across its bands; Class A PRSI at 4.2% (4.35% from 1 October 2026); plus superannuation/ASC, which depend on your scheme and entry date — enter the combined percentage from your payslip.
Estimate for a standard PAYE garda. It doesn't auto-calculate superannuation/ASC or model specific allowance types. Verify your exact figures on your payslip or with the GRA.
People also ask
How much does a garda take home in Ireland?
On the €39,194 starting salary (single, before superannuation): about €33,000 a year, or €2,750/month. At the €60,333 top of the basic scale: about €45,123 net. Allowances and overtime add more.
What is the Garda starting salary in 2026?
€354/week during the 36-week training (with accommodation), then €39,194 on attestation, rising to €60,333 after 8 years.
Do gardaí earn more than the basic scale?
Usually — the 12-hour roster brings unsocial-hours allowances and overtime pays 1.5× (2× Sundays/holidays). Enter your full gross including these for a realistic figure.
Why is my actual take-home lower?
Superannuation and the ASC come off public-service pay. Enter your combined pension percentage (from your payslip) to model it.
Related Ireland calculators
Sources: Garda.ie — careers pay FAQ, publicjobs.ie — Garda Trainee 2026, revenue.ie. Estimates for planning only — not tax or career advice.