Calculer your annual revenu net pay instantly. Includes tax bands, Cotisations Sociales, prêt étudiants, and pension contributions for 2025.
TAX CALCULATOR
Your Results
Gross Salary
€0.00
Impôt sur le Revenu
-€0.00
Cotisations Sociales
-€0.00
Prêt Étudiant
-€0.00
Pension
-€0.00
Net Annual
€0.00
Per Month
€0.00
Per Week
€0.00
Ventilation complète des tranches d'imposition et taux
| Tax Band | Income Range | Tax Taux |
|---|---|---|
| Personal Allowance | €0 – €12,570 | 0% |
| Basic Taux | €12,571 – €50,270 | 20% |
| Higher Taux | €50,271 – €125,140 | 40% |
| Additional Taux | €125,141+ | 45% |
Remarque : Personal Allowance tapers by €1 for every €2 earned over €100,000. This is reflected in our calculator.
Step-by-step breakdown of the calculation
Deduct €12,570 from gross salary. This is the amount you can earn tax-free.
Ce qui reste est votre revenu imposable. Tax is applied to this amount at the relevant bands.
Tax is calculated progressively. €12,571–€50,270 at 20%, €50,271–€125,140 at 40%, and above at 45%.
Employees pay 8% on €12,570–€50,270 and 2% on earnings above €50,270.
Subtract prêt étudiant repayment, pension contributions, and any other deductions.
Understanding your NI contributions
Cotisations Sociales is a tax paid by employees and employers. It funds the state pension, unemployment benefits, and certain other welfare benefits.
Les employés paient à partir de leur salaire; les employeurs paient séparément en plus des salaires.
NI contributions count towards your state pension. The Plus you pay, the higher your state pension entitlement will be.
How the PA works and the high earner taper
The standard Personal Allowance for 2025 is €12,570. This is the amount of income everyone can earn tax-free.
Example: If you earn €35,000, only €22,430 is taxable (€35,000 - €12,570).
For every €2 you earn above €100,000, your Personal Allowance is reduced by €1.
At €125,140: Your PA is completely removed. Higher earners pay tax on all income above this.
All loan plans and their repayment rates
| Loan Plan | Threshold | Repayment Taux |
|---|---|---|
| Plan 1 (Pre-2006) | €24,990 | 9% |
| Plan 2 (2006-2012) | €27,295 | 9% |
| Plan 4 (England, 2012+) | €31,395 | 9% |
| Plan 5 (Scotland) | €25,000 | 9% |
| Postgraduate | €21,000 | 6% |
Vous remboursez 9% (ou 6% pour les études supérieures) of anything you earn above your threshold. It's only owed if you're employed and earning above the threshold.
Legitimate ways to minimize your tax liability
Les contributions de retraite sont déduites de votre salaire brut before tax, giving you immediate tax relief. Contributing Plus reduces your taxable income.
Individual Savings Accounts (ISAs) let you save up to €20,000 per year tax-free. All interest and dividends are tax-exempt.
If you're self-employed, claim all business expenses. Ensure you're receiving all entitled allowances (Marriage Allowance, etc.).
When donating to charity, use Gift Aid. The charity recovers tax, and if you're a higher earner, you may claim additional relief.
If earning near your prêt étudiant threshold, consider whether extra income will significantly increase repayments.
Travaillez avec un comptable ou un conseil fiscal to optimize your tax position, especially if you have multiple income sources.
Questions fréquentes sur l'impôt sur le revenu