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Work and career · United Kingdom · 2026/27 · 2026
United Kingdom vs Ireland: what take-home pay does the same employer budget buy?
This article was created with artificial intelligence support.
An employer’s budget can buy different gross salaries in different countries. Start from the same converted modelled cost, then follow each calculation from employer charges through gross to employee net.
Define the employer budget before comparing it
Use gross salary plus the employer contributions and other employer charges included by the model. Convert that subtotal into the second currency with the stated rate. Hold this amount fixed in both scenarios.
Budget separately for recruitment, equipment, office space and privately negotiated benefits. The displayed cost covers gross salary and the employer charges listed in the model.
Work backwards to gross in each country
The calculator finds the highest whole-unit gross salary whose modelled employer cost stays within the converted budget. Each country needs a separate calculation because contributions use different ceilings, bases and eligibility conditions.
Rounding may leave a small amount of the budget unused. Compare the resulting gross salaries before applying employee deductions.
One employer budget, two salary calculations
An annual employer budget of £45,250.00 supports £40,000.00 gross and £32,319.60 take-home pay in the United Kingdom. The equivalent budget supports €47,181.00 gross and €37,453.24 net in Ireland, also per year. The annual net difference is -£471.99 under the stated model assumptions.
Example assumptions
The examples compare full-year resident employment in each country. They exclude cross-border commuting and do not establish newcomer relief or permission to work.
The displayed region is used where the model supports regional settings. Elsewhere, the city identifies the illustrative budget; the tax calculation uses the country model’s settings and is not a city-specific tax assessment.
The salaries are illustrative amounts chosen for each country. They are not market-pay benchmarks or claims about typical earnings.
Monthly net is annual modelled net divided by twelve. Actual payroll transfers and later tax settlements can differ.
Currency conversion uses the stated exchange-rate date. Equal converted income does not establish equal purchasing power.
Employer cost includes the employer charges covered by the model. Retirement contributions and accruals are not spendable employee income.
- United Kingdom · Example city
- London
- United Kingdom · Model periods
- 2026/27
- United Kingdom · Region
- England
- United Kingdom · Age
- 35
- United Kingdom · Children
- 0
- United Kingdom · Joint assessment (splitting)?
- No
- United Kingdom · Church Tax
- No
- United Kingdom · Student Loan
- No loan
- Ireland · Example city
- Dublin
- Ireland · Model periods
- 2026
- Ireland · Age
- 35
- Ireland · Children
- 0
- Ireland · Joint assessment (splitting)?
- No
- Ireland · Church Tax
- No
- Exchange rate
- 1 GBP = 1.176014 EUR
- Exchange-rate date
- 2 October 2026
- United Kingdom
- Income Tax · National Insurance
- Ireland
- Income Tax · PRSI
Annual (GBP)
- Total employer cost · United Kingdom
- £45,250.00
- Total employer cost · Ireland
- £45,249.60
- Annual gross salary · United Kingdom
- £40,000.00
- Annual gross salary · Ireland
- £40,119.42
- Annual take-home pay · United Kingdom
- £32,319.60
- Annual take-home pay · Ireland
- £31,847.61
Calculator estimate
| Country | United Kingdom · London (GBP) | Ireland · Dublin (EUR) |
|---|---|---|
| Annual gross salary | £40,000.00 | €47,181.00 |
| Employee taxes | £5,486.00 | €7,020.65 |
| Employee contributions | £2,194.40 | €2,707.11 |
| Tax credits and reliefs | £0.00 | €0.00 |
| Annual take-home pay | £32,319.60 | €37,453.24 |
| Average monthly take-home pay | £2,693.30 | €3,121.10 |
| Total employer cost | £45,250.00 | €53,214.16 |
| Annual take-home pay · Ireland − United Kingdom | -£471.99 | -€555.06 |
Then follow gross through to employee net
Subtract modelled employee taxes and contributions from the resulting gross, adding separately paid credits where applicable. The calculations use the stated resident profiles and periods, 2026/27 and 2026.
Employee deductions come from gross. Adding them to employer charges on top of gross would count the same salary money twice.
Distinguish cash, retirement funding and accruals
Employer retirement contributions, insurance contributions and accruals count towards modelled employer cost. They are not immediate cash payments to the employee.
Check the country coverage notes for the included charges. Compare retirement entitlements and contractual benefits separately from spendable net salary.
Compare the same kind of employee
Keep age, household assumptions and the employment arrangement explicit. Set the supported regional and contribution settings appropriate to each resident job. An age-dependent pension contribution can change the result without any salary negotiation.
This comparison does not model working from the starting country for a foreign employer. Cross-border payroll, newcomer relief and unusual contracts can change obligations. Use the displayed cost only for the stated resident scenarios.
Compare the budget with the proposed salary
The annual budget of £45,250.00 supports the gross salaries shown above under the stated model assumptions. Compare those amounts with the guaranteed salary in each proposed contract, and add benefits and operating costs outside the model.
For an employee decision, price household expenses separately. Equal employer cost does not establish equal purchasing power or the market salary for a role.
Before relying on an employer-budget comparison
- Define the included employer charges and exchange-rate date.
- Solve gross separately for the same modelled cost.
- Keep employee deductions, retirement funding and accruals distinct.
- Add contractual and operating costs outside the model.
See your own numbers
The articles use example figures. Enter your salary in the calculator to see your own result.
Adjust the assumptions
Open the two salary calculations, inspect the employer breakdowns and replace the common budget with the amount you need to assess.
Sources and model coverage
What the estimate covers
The calculator estimates employment income using its supported country rules and selected inputs. Benefits, collective agreements and personal circumstances that are not modelled are excluded. Official rules determine your actual liability.
- United Kingdom: Salary-sacrifice pension contributions (reducing taxable pay and NI) are not modelled - only standard PAYE.
- Ireland: PRSI Classes A and J (age 70+ and earnings under €38/week) are modelled - other classes (B, C, D, etc.) applicable to public servants and certain employees are not.
- Ireland: USC is calculated assuming full-year employment at the entered salary; part-year employment scenarios are not in scope.
Official sources
Results depend on the stated model assumptions and source periods. They do not guarantee your final tax liability or cover every personal circumstance.