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Professional Irish Financial Analysis • 2026
Generated On
22 July 2026
Note: This report is an estimate based on current Irish Revenue tax bands and provided inputs. For official tax advice, please consult a qualified professional or visit Revenue.ie.
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Calculate your Universal Social Charge. Supports medical card relief, over-70 reduced rates, and pension AVC impact on USC liability.
The Universal Social Charge (USC) is a tax on gross income in Ireland with four bands and rates ranging from 0.5% to 8%. This calculator computes your USC liability based on the latest thresholds.
Enter your gross income and age (the surcharge applies to those aged 70+). The tool applies the correct USC rates and bands for your circumstances, showing the amount due at each band level and your total USC charge.
Total USC
€1,859
Monthly: €155 · Effective rate: 3.1%
Medical Card
Off
Over 70
No
USC Savings
You're in the 4.5% USC band. Pension AVCs reduce your gross income and could bring you below thresholds.
USC Guide
How USC Works
USC is a progressive charge on gross income: 0.5% up to €13k, 2% to €25.9k, 4.5% to €70k, and 8% above €70k. Each band applies only to income within that range.
Exemptions & Reliefs
Under €13k: no USC. Medical card: max 2% rate. Over 70: max 4.5% rate. These reliefs are applied automatically here.
Reducing Your USC
Pension AVCs reduce your gross income for USC purposes. Each €1k of AVC saves ~€80 in USC at the 8% rate. At the 4.5% rate, saving is ~€45.
Scenario-based suggestions to help you validate your result and explore the next decision point.