Pay Rise & Relocation Calculator

The portion of your pay rise that falls above your standard rate band is taxed at 40% income tax, plus USC (up to 8%) and PRSI (4%) — a combined marginal rate of up to 52%. Use this calculator to see your exact effective rate.

Not necessarily. Dublin rent averages €2,000+/month vs Cork's €1,200-€1,500. After the higher rent (+€9,600/yr), longer commute costs, and tax at your marginal rate, a €10k raise could become a net pay cut. This calculator shows your true position.

The effective marginal rate is the percentage of your gross raise lost to tax, USC, and PRSI. For example, a €10k raise that nets €5,150 has an effective rate of 48.5%. Rates above 50% trigger our warning.

Increasing your pension AVC alongside a pay rise reduces your taxable income, potentially keeping you in a lower tax band. Every €1 contributed saves up to 52% in tax at the marginal rate — making AVCs one of the most tax-efficient uses of a raise.

If your total income exceeds €70,044, the USC on the excess jumps from 4.5% to 8%. A pay rise that crosses this threshold means your raise is taxed at 52% — the calculator highlights this.

Commute costs include transport fares, fuel, and the value of your time. A 30-minute commute costs approximately €2,400/year in time value (at €25/hr). Moving from a 20-min to a 50-min commute effectively costs you €3,840/year.

The break-even salary is the salary you'd need at the new location to have the same disposable income as your current role, after accounting for tax differences, rent changes, and commute costs.

Childcare is one of Ireland's largest household expenses, averaging €800-€1,500/month per child. Relocating to a city with higher childcare costs can significantly offset any salary increase.

Yes. Bonuses are added to your salary and taxed at your marginal rate. A promotion with a higher bonus target means more of your bonus is also taxed at the higher rate.

This calculator projects your raise forward 3 years with 3% annual growth, showing the cumulative wealth difference. A €5,000 net raise grows to over €15,000 in cumulative net gain over 3 years.

Yes. Relocation packages (moving costs, temporary accommodation, stamp duty) are typically separate from salary. If relocating costs more than your raise nets, negotiate a relocation bonus to bridge the gap.

The standard rate band (€44,000 single / €53,000 married 1-income) is the amount taxed at 20%. Any income above this is taxed at 40%. A pay rise that pushes you over this band means the entire raise is taxed at 40%.