What should your day rate be?

Enter the annual salary you'd want as a permanent hire. We'll convert it into a day rate for contracting — with Irish income tax, USC, PRSI and typical contractor overheads factored in.

Target annual salary (permanent equivalent)

€

Working days per year

days

220 is a common baseline for Irish contractors after annual leave, public holidays and a bench allowance.

Contractor loading

20%Covers no sick pay, no employer pension, no benefits, gaps between contracts

Umbrella / accountancy fee

3.0%Typical range for Irish umbrella companies is 2–4%

Personal pension contribution

5%Optional — reduces taxable income

Suggested day rate

€—^{/ day}

Loaded annual equivalent €0

Income tax (est.) €0

USC €0

PRSI (Class S) €0

Pension contribution €0

Umbrella fee €0

Estimated net annual €0

Net day rate after tax, pension and fees: €0 / day

Figures are indicative estimates only, based on 2025/26 Irish tax bands for a single PAYE-equivalent contractor operating via an umbrella company or limited company (Class S PRSI, standard rate cut-off €44,000, standard tax credits assumed). They don't constitute tax or financial advice — always confirm your position with an accountant before agreeing a rate. Built by Vantage Resources.

What should your day rate be?

Enter the annual salary you'd want as a permanent hire. We'll convert it into a day rate for contracting — with Irish income tax, USC, PRSI and typical contractor overheads factored in.

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