Pay rise: estimating the net change

This page explains why the take-home impact of a pay rise can be smaller than expected when marginal deductions apply. It is written for2026 scenario planning.

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Why the marginal effect matters

Marginal deduction ≈ PAYE + USC + PRSI

The “extra” pay from a rise can be charged at higher combined marginal rates than your average (effective) rate.

How to compare

Run your current salary scenario.
Update gross salary to the proposed salary.
Compare the delta in net pay and effective rate.

FAQ

Why does my net pay not rise much after a pay rise?

The extra income from a pay rise can sit in higher marginal deduction ranges. When PAYE, USC and PRSI apply to the additional income, the combined marginal deduction can reduce the net change.

Does this mean a pay rise is not worth it?

Not necessarily. This page is about understanding marginal deductions in scenario terms. Net pay still increases, but the increase can be smaller than the gross change.

How can I estimate take-home pay after a pay rise?

Run a “before” salary scenario and an “after” salary scenario and compare the delta in net pay and total deductions. Use annual view for budgeting.

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Pay rise: estimating the net change

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Pay rise: estimating the net change

Recommended Next Steps

Explore Pay-Rise & Move Simulator

Explore Net Salary Calculator

Explore Salary Comparison Tool

Related topics