United States · https://decisionscalc.com/tools/ireland-budget-2027-calculator/
Budget 2027 calculator: your take-home pay
Budget 2027 widened the 20% band by €2,500, raised the main tax credits by €125 and the rent credit by €150, and widened the 2% USC band. PRSI keeps rising. See what it all means for your own pay, 2026 against 2027.
In 2027 you keep
What Budget 2027 changed
| Measure | 2026 | 2027 |
|---|---|---|
| Standard rate band (single) | €44,000 | €46,500 |
| Standard rate band (married, one income) | €53,000 | €55,500 |
| Second earner’s extra band (max) | €35,000 | €37,500 |
| Personal tax credit (single) | €2,000 | €2,125 |
| Employee (PAYE) and earned income credit | €2,000 | €2,125 |
| Home carer credit | €1,950 | €2,050 |
| Rent tax credit (single / couple) | €1,000 / €2,000 | €1,150 / €2,300 |
| USC 2% band ends at | €28,700 | €30,300 |
| Employee PRSI | 4.2%, then 4.35% from 1 Oct | 4.35%, then 4.5% from 1 Oct |
Income tax rates stay at 20% and 40%; USC rates stay at 0.5%, 2%, 3% and 8%. Social welfare: core weekly rates up €10 from January 2027, Fuel Allowance up €5 a week, Living Alone Allowance up €3, Child Support Payment up €6; Child Benefit unchanged at €140 a month. Help to Buy maximum up €5,000 to €35,000.
Frequently asked questions
How much better off will I be after Budget 2027?
A single employee on €50,000 keeps about €691 more in 2027: €750 less income tax and €16 less USC, minus €75 more PRSI. A two-income couple paying higher-rate tax saves up to €1,500 in income tax. Use the calculator for your own pay.
When do the Budget 2027 tax changes start?
The income tax band, tax credit, USC and rent credit changes apply from 1 January 2027, through your payroll. Social welfare rates rise by €10 a week from January 2027.
Did USC rates change in Budget 2027?
No rate changed. The 2% band was widened from €28,700 to €30,300, so up to €1,600 of income moves from 3% to 2%: a saving of up to €16 a year.
Why does PRSI go up?
The PRSI increases are not a Budget measure: they follow the PRSI roadmap set in 2024. Employee PRSI rose from 4.2% to 4.35% on 1 October 2026 and is due to rise to 4.5% on 1 October 2027.
Did Child Benefit go up?
No. Child Benefit stays at €140 a month per child. Child Support Payment (for children of people on social welfare) rises by €6 a week, and the maximum childcare fee falls from €735 to €550 a month.
Related
- Landlord tax calculator: rental income tax, USC and PRSI on the 2027 bands
- Rent Tax Credit calculator: €1,150 in 2027, and claim back to 2022 before 31 December 2026
- Carer’s Allowance calculator (+€10 from January 2027, higher income disregard from July 2027)
- Working Family Payment calculator (income limits +€30 a week from January 2027)
- Budget 2027: what changes for 10 typical Irish households
- Where should my money go? Ireland, after tax · Ireland CGT calculator (31%)
- Irish investment tax after Budget 2027 · ETF exit tax at 35% from 2027
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