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Software Engineer Take-Home Pay Calculator Ireland (2026)
What a software engineer actually keeps after tax in Ireland — net pay after income tax, USC and PRSI on typical tech salaries. Private by design.
| Income tax PAYE | €13,200 |
| USC | €1,483 |
| PRSI 4.2% | €2,730 |
| Net annual 26.8% effective rate | €47,587 |
A software engineer on €65,000 (single) takes home about €47,587 a year — roughly €3,966 a month — after income tax (€13,200), USC (€1,483) and PRSI (€2,730) in 2026.
Ireland is a serious tech hub, so software-engineer salaries here run wide — from the mid-€40,000s for a junior to well over €100,000 for senior and staff roles at the big firms. But the number in your contract isn't the number in your account: once the 40% rate kicks in above €44,000, a chunk of every raise goes to tax. And don't forget RSUs — they're taxed as income when they vest, on top of your salary. Put your base in above (then add any RSUs/bonus to the gross) to see what really lands each month.
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How software engineer take-home pay works in Ireland (2026)
Software engineers are taxed like any PAYE employee — there's no special tech tax. Three deductions come off your gross: income tax (PAYE), USC and PRSI. Because tech salaries usually sit above the standard rate band, the 40% rate matters: it applies to everything you earn over €44,000 (single).
Income tax (PAYE)
| Status | 20% band | 40% |
|---|---|---|
| Single / widowed | First €44,000 | Balance |
| Married, one income | First €53,000 | Balance |
A €2,000 Personal Tax Credit plus the €2,000 Employee (PAYE) Tax Credit are subtracted. USC runs 0.5% / 2% / 3% / 8% across its bands, and Class A PRSI is 4.2% of gross (rising to 4.35% from 1 October 2026).
RSUs, bonuses and pension
Many engineers are paid partly in RSUs (share grants). These are taxed as employment income at their value when they vest — at your marginal rate plus USC and PRSI — so they're effectively extra salary. Cash bonuses work the same way. A pension contribution gets tax relief at your marginal rate, lowering your tax (though it still leaves your take-home, into your pension pot). Add RSUs/bonuses to your gross, and enter a pension %, to model your real position.
Estimate for a standard PAYE employee. Figures for €80,000 and €100,000 are about €55,000 and €65,000 take-home respectively (single, no pension). It doesn't model BIK, share-scheme specifics or two-income couples.
People also ask
How much does a software engineer take home in Ireland?
On €65,000 (single, no pension), about €47,587 a year — roughly €3,966/month — after income tax (€13,200), USC (€1,483) and PRSI (€2,730). On €80,000 it's about €55,000, and on €100,000 about €65,000.
Do software engineers pay 40% tax in Ireland?
Only on income above €44,000 (single). On €65,000 you pay 20% on the first €44,000 and 40% on the rest — an effective rate of about 27%, not 40% on everything.
How are RSUs and bonuses taxed?
RSUs are taxed as income at their value when they vest (marginal rate + USC + PRSI), through payroll. Bonuses are taxed the same. Add them to your gross for a fuller figure.
Does a pension lower my tax?
Yes — pension contributions get relief at your marginal rate. The contribution still leaves your take-home (it goes into your pension), but your tax bill drops. Enter your pension % to see it.
Related Ireland calculators
Sources: revenue.ie, Budget 2026 (gov.ie). Estimates for planning only — not tax or financial advice.