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UK Net
€42,357
IE Net
€32,900
COL Adj UK Net
€36,082
Better
€3,182
Compare UK and Irish salaries side-by-side. Tax, NI/PRSI, pension auto-enrolment, health insurance, and cost of living.
If you're considering a move between the UK and Ireland, the headline salary number doesn't tell the full story. Different tax systems, USC vs NI, and cost of living all affect your real purchasing power.
Enter a salary and select UK or Ireland. The tool calculates net pay under both systems, adjusts for cost of living differences between specific cities, and shows the net disposable income comparison to help you make an informed relocation decision.
🇬🇧 UK Wins
€3,182
UK net of €60,000 is better by €3,182 after tax + COL
UK Net
€36,082
IE Net
€32,900
Comparison Summary
UK Effective Rate
29%
IE Effective Rate
45%
COL Adjustment
+35%
5-Year Wealth Projection
UK ISA: £20k/yr tax-free. IE: gains taxed at 33% CGT. This gap widens over time.
UK State Pension Access
€11,502
UK State Pension is €11,502/yr (10yr NI min). Irish State Pension is €14,420/yr. If you've worked in both countries, you may qualify for partial UK pension. Check your NI contribution record.
Cross-Border Guide
Tax Comparison
Ireland: 20% + 40% income tax, 4% PRSI, 0.5-8% USC. UK: 20% + 40% + 45% income tax, 8-12% NI. Ireland wins for most earners.
Pension & Benefits
UK AE: 5%+3% = 8% total. IE AE (2025): 1.5%+3%+1% state = 5.5%. UK also has ISAs (£20k tax-free). Ireland has no equivalent.
FX & Cost of Living
GBP/EUR rate matters. At current rates, UK salaries look higher in EUR terms. But London housing is 35%+ more expensive than Dublin.
Frequently Asked Questions
Ireland has lower income tax rates (20% vs 20%+40%+45%). UK has higher NI (8-12%) vs Irish PRSI (4%). Overall, Ireland is cheaper for high earners.
UK has free NHS. Ireland requires private health insurance (€1,500-€4,000/yr). Factor this into your comparison.
UK Auto-Enrolment: 5% emp + 3% employer. Irish Auto-Enrolment (2025): 1.5→6% emp + 3-6% employer + 1-2% state bonus. UK is more generous.
UK State Pension: £11,502/yr (10yr min). Irish State Pension: €14,420/yr (10yr min). Ireland pays more.
London is ~35% more expensive than Dublin. Manchester/Birmingham are comparable to Cork/Galway. Our calculator adjusts for this.
GBP/EUR fluctuates ±10-15%. At €1 = £0.85, a £100k UK salary = €117k. Our calculator converts at your chosen rate.
UK Plan 5 student loan: 9% of income over £27,295. Ireland has no comparable student loan system.
UK: £20k/yr tax-free in ISAs. Ireland: no ISA equivalent — investment gains taxed at CGT 33%. This significantly impacts long-term wealth.
UK: £3,000 annual CGT exemption. Ireland: €1,270 exemption. UK is considerably more generous for investors.
Depends on salary, location, and personal circumstances. Use our calculator to get a personalised comparison.
Scenario-based suggestions to help you validate your result and explore the next decision point.