Pay rise calculator: how much of a raise do you keep?
A raise is taxed at your marginal rate, not your average rate, so you keep less of it than of your current pay. Enter your salary and the raise or bonus to see what actually reaches your bank account, with each country's current tax rules.
| Item | Before | After | Change |
|---|---|---|---|
| Gross pay a year | €50,000 | €52,500 | +€2,500 |
| Take-home a year | €39,648 | €40,967 | +€1,319 |
| Take-home a month | €3,304 | €3,414 | +€110 |
Ireland, 2026 rules, single, no other income.
What you keep of each extra 1,000 at other salaries
| Current salary | You keep | Tax and contributions |
|---|---|---|
| €20,000 | 57% | 43% |
| €30,000 | 73% | 27% |
| €40,000 | 73% | 27% |
| €50,000 | 53% | 47% |
| €60,000 | 53% | 47% |
| €70,000 | 48% | 52% |
| €80,000 | 48% | 52% |
| €100,000 | 48% | 52% |
| €125,000 | 48% | 52% |
| €150,000 | 48% | 52% |
Of the next €1,000 of pay, for a single person with Ireland's current rules.
What you keep of a 10% raise
| Country | On 30,000 | On 50,000 | On 80,000 | On 120,000 |
|---|---|---|---|---|
| Ireland | 73% | 53% | 48% | 48% |
| United Kingdom | 72% | 59% | 58% | 47% |
| Germany | 57% | 53% | 52% | 53% |
| Netherlands | 60% | 50% | 44% | 44% |
| France | 67% | 58% | 58% | 50% |
| Spain | 68% | 60% | 57% | 57% |
| Italy | 53% | 51% | 49% | 53% |
| Portugal | 58% | 50% | 49% | 44% |
Share of a 10% raise you keep after tax and employee contributions, for a single person with no other income. Salaries are in each country's currency (pounds for the UK); Germany tax class I, Spain Madrid, Italy Milan, Netherlands including holiday allowance.
Where the next euro is taxed most
| Country | Highest marginal rate | Around |
|---|---|---|
| Ireland | 52% | €70,250 |
| United Kingdom | 62% | £100,000 |
| Germany | 54% | €98,750 |
| Netherlands | 56% | €78,500 |
| France | 51% | €114,500 |
| Spain | 43% | €92,250 |
| Italy | 61% | €35,250 |
| Portugal | 56% | €98,250 |
| Turkey | 46% | ₺148,000 a month |
The highest share of an extra 250 (Turkey: 1,000 a month) that goes in income tax and employee contributions, between 25,000 and 160,000 a year, ignoring the few one-off thresholds explained below. These peaks come from allowances that are withdrawn as pay rises: the UK Personal Allowance above £100,000, Dutch and Italian tax credits, and the start of the German solidarity surcharge.
Why you keep less of a raise
Your average tax rate is total tax divided by total pay. Your marginal rate is the tax on the next euro, and that is what a raise is taxed at. Because tax rates rise with income and some credits fade out as you earn more, the marginal rate is always higher than the average rate, sometimes much higher. Employee social security (PRSI, National Insurance, INPS and the rest) is included, because it also comes out of every raise.
Frequently asked questions
How much of a pay rise do I actually keep?
It depends on your country and salary. In Ireland, a 10% raise on €50,000 adds €2,638 a year to your take-home pay, 53% of the raise. The calculator above works it out for eight countries.
Can a pay rise leave me worse off?
Rarely, but yes, at a few thresholds where an allowance stops all at once. In Ireland, PRSI starts on all your pay once you earn more than €352 a week, so a small raise around €18,300 a year can cost up to about €112. In Italy the €1,200 trattamento integrativo stops when taxable income passes €15,000 (a gross salary of about €16,500), and in Milan the municipal surcharge applies to all your income once it passes €23,000 of taxable income. A raise of a few hundred euros across those points lowers take-home pay.
Why does a £10,000 raise above £100,000 leave so little in the UK?
Because the Personal Allowance is withdrawn by £1 for every £2 earned above £100,000, so income between £100,000 and £125,140 is effectively taxed at 60%, plus 2% National Insurance. A £10,000 raise on £100,000 leaves £3,800, just 38% of it.
Is a bonus taxed more than salary?
Not over the whole year: a bonus is added to your pay for the year and taxed at the same rates as salary. The payslip it arrives on can show more tax, because payroll may treat that month as if you earned that much every month or use a special withholding rate; the difference is evened out later in the year, in the year-end settlement or in your tax return.
Each figure comes from our full take-home pay calculators; see the methodology for their sources and assumptions. To work out the salary you need for a target take-home pay, use the net to gross calculator.