IE
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Net Pay
€65,910
Total Tax
€63,090
Eff. Rate
49.0%
Efficiency
65.0%
Visualize your full compensation package: base salary, bonus, RSUs, ESPP, pension match, and benefits — with tax breakdown.
Total Compensation
€129,000
Net: €65,910 · Tax: €63,090 · Rate: 49%
Base Net
€42,400
Bonus+RSU+ESPP
€23,510
⚠️ USC Threshold Breached
Total income of €117,000 exceeds €70,044 — the excess €46,956 is taxed at 8% USC instead of 4.5% costing ~€1,643/yr. Increase pension AVC to reduce taxable income.
What-If: Base Salary
Extra €0/yr base → net gain: +€0 after tax at 48% marginal rate.
ESPP Return
18%
ESPP 15% discount = 18% immediate return on investment. On €5000 annual contribution, that's €750/yr guaranteed gain.
Pension Optimisation
Add AVC to see pension optimisation
Tax Efficiency Score
Tax Efficiency Score
Based on pension utilization, ESPP participation, and bonus structure. Good use of tax-efficient compensation levers.
Compensation Guide
Know Your Total Value
Base salary is just one part. Total compensation includes pension match (often 5-10%), bonus (10-30% of base), RSU/ESPP (varies by level), and benefits (€2k-€8k).
Tax Efficient Structuring
Pension AVCs reduce your tax bill. RSUs are most valuable if held post-vest for CGT treatment. ESPP discount is guaranteed return — always max out enrollment.
Negotiation Levers
If base salary is constrained, negotiate sign-on bonus, RSU grant, or pension contribution. These are often more flexible than base salary bands.
Frequently Asked Questions
Total compensation = base salary + bonus + RSUs + ESPP + employer pension + health insurance + other benefits. It shows your full value to your employer.
RSUs are taxed as income at vest (PAYE/USC/PRSI at your marginal rate — up to 52%). Any gain after vest is subject to CGT (33%).
ESPP lets you buy shares at a discount (typically 15%). The discount is taxed as income. Any gain on sale is CGT. Our calculator values the discount as benefit.
Bonuses are added to your monthly pay and taxed at your marginal rate (up to 52%). They can push you into higher USC bands for that month.
AVCs deducted from gross pay before tax — reducing your Income Tax, USC, and PRSI. The calculator shows employer match as part of total comp.
Standard is 4-year vesting with a 1-year cliff. 25% vests at year 1, then monthly/quarterly vesting for remaining 3 years.
Pension contributions reduce your tax bill. RSUs held post-vest are taxed at CGT (33%) not income tax (up to 52%). ESPP discount is essentially free money.
Yes — employer health insurance is worth €1,500-€3,000/yr and is a tax-free benefit (BIK exempt for health insurance).
RSUs are added to your income at vest. If you're near the €70,044 USC threshold, RSUs can push you into the 8% USC band — costing an extra 3.5%.
Life insurance (4x salary), income protection, gym membership, learning budget, and travel benefits — typically worth €500-€2,000/yr.
Scenario-based suggestions to help you validate your result and explore the next decision point.