Estimate your contractor take-home pay from your day rate - with a full breakdown of PAYE, USC, PRSI, employer PRSI, and our flat €75/mo umbrella fee. Updated for 2026 Irish tax rates.
All fields are estimates - nothing is stored.
Estimate based on 2026 single-person Irish tax rates. Paytube umbrella fee €75/month. Employer PRSI 9%/11.25%, Employee PRSI 4.2%, income tax & USC at standard 2026 rates. Talk to us for an exact quote.
If you contract through a PAYE umbrella company, your take-home pay is not the same as your day rate. The umbrella company invoices your agency or client, deducts its fee and employer PRSI, pays you a gross salary, and then Revenue taxes are taken from that salary - income tax (PAYE), USC, and employee PRSI.
This contractor tax calculator models that flow for Ireland: enter your daily rate and working days, and it estimates your net pay after umbrella costs and 2026 tax rates. It is designed for umbrella employees - if you are an umbrella director contractor, use the umbrella director contractor calculator instead.
Permanent employees on a fixed salary should use the PAYE income tax calculator instead. For personalised payroll guidance, contact Paytube.
Legitimate employment expenses reduce taxable pay on umbrella assignments.