Salary → reality

Your real hourly wage

Your payslip divides your salary by the hours in your contract. Your life divides it by every hour the job takes and every euro the job costs you. Fill in what's true for you. The second number is the one that matters.

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Pay

Gross annual salary ($)

$

Total deductions rate (%)Income tax, social insurance, pension: everything between gross and your bank account.

$

Time

Contracted hours per week

Unpaid overtime per week (hours)Late finishes, emails at 10pm, weekend firefighting.

Commute, one way (minutes)

Days on site per week

Getting-ready time per on-site day (minutes)The part of your morning that only exists because of work.

Paid leave per year (weeks)Annual leave plus public holidays. 20 days + 9 bank holidays ≈ 5.8 weeks.

Money the job costs you

Commuting cost per week ($)Fuel, tolls, transit fares, wear and tear.

$

Other work costs per month ($)Parking, bought lunches, work clothes, childcare you'd otherwise not need.

$

Free lunches from employer ($ saved per month)Canteen, catered lunches, stocked kitchen: money you'd otherwise spend.

$

Quick questions

What counts as commuting cost?

Fuel, public transport fares, tolls, parking. Daily coffee-on-the-way doesn't count unless you'd never buy it otherwise.

Should I use gross or net salary?

Enter your gross salary and set your deduction rate. The calculator converts to net for you. In Ireland, a typical combined deduction rate (income tax, USC, PRSI) is 25-52% depending on your earnings and circumstances.

What if my hours vary week to week?

Use an honest average over a typical month. Most people underestimate their real hours, if in doubt, track for a week or two first.

Read the full guide to understanding your real hourly wage→