Why is my net pay different this month?
Common reasons include a bonus or overtime, changes to tax credits, pension changes, crossing USC thresholds, or cumulative payroll adjustments. A job change mid-year can also cause a visible shift.
Does “tax bracket” explain all changes?
Not usually. PAYE bands are one part, but USC and PRSI can also change. It is often the combination that moves net pay.
How can I estimate what will happen next month?
Use the calculator to run a few scenarios: base salary, salary plus bonus, and different pension settings. Compare monthly and annual views to avoid overreacting to one payslip.