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Irish Tax Lens • 2026 assumptions

Your Income As A Waterfall

Follow one year of gross income through income taxes, consumption, and tax on returns. The controls let you test how lifestyle choices change the amount you retain.

Controls

Waterfall

Signed Annual Amounts

Income Taxes

€17,510

  • PAYE: €13,200
  • USC: €1,483
  • PRSI: €2,828

Consumption

€33,243

  • VAT element: €6,216
  • Non-VAT spend: €27,027
  • After spending: €14,247

Savings + Investing

€9,498

  • Saved: €4,749
  • Invested: €4,749
  • Unallocated cash: €4,749

Return Taxes + Final

€14,596

  • DIRT: €55
  • CGT: €0
  • Total return taxes: €55

Illustrative assumptions

This tool is an educational model, not financial advice. It uses simplified 2026-style PAYE, USC, and PRSI settings for a single PAYE earner, a 23% VAT assumption on spending, and stylized annual return assumptions (3.5% for savings and 5% for investments) with DIRT/CGT overlays.