1. Is PaySlipIQ Ireland really free?
Yes, fully free at point of use, with no card required and no trial wall. We built the Irish module because PAYE, USC and PRSI interact in ways that catch out even seasoned payroll staff, and a free second opinion should not be locked behind a paywall. Costs are covered by contextual ads and an optional Pro tier for accountants handling bulk uploads. Your single payslip check stays free forever. We do not sell calculations, do not gate the SRCOP breakdown, and do not throttle requests for individual taxpayers.
2. Do you store my payslip after analysis?
No. Files are processed in memory and discarded once the breakdown renders in your browser. Nothing is written to disk, nothing is forwarded to a third-party OCR service abroad, and no copy persists in backups. This aligns with GDPR Article 5(1)(c) data minimisation and Data Protection Commission guidance for Irish controllers. If you choose to email a result to yourself, that copy lives in your own inbox, not ours. Concerns can be raised with the DPC at dataprotection.ie or by phoning 0761 104 800.
3. How accurate are your PAYE, USC and PRSI calculations vs Revenue?
We mirror the Revenue formulas published in the Employer Guide to PAYE and the USC Manual, refreshed each Budget. PAYE uses the cumulative basis with your standard rate cut-off point and total tax credits split across pay periods. USC applies the 2026 bands of 0.5%, 2%, 4% and 8% with the medical-card concession. PRSI Class A1 sits at 4.1%, stepping to 4.2% from October 2026. Expect parity to the cent against ROS payroll output in the vast majority of cases.
4. What tax year does PaySlipIQ Ireland use?
The Irish tax year runs 1 January to 31 December, so 2026 figures apply to payslips dated within that window. We auto-detect the pay date on your document and select the correct credits, bands and PRSI rate. If you upload a January 2026 payslip during the period when employers are still applying late-2025 emergency basis, we will note that and recompute on the 2026 RPN once issued. For prior years going back to 2022, switch the year selector before uploading.
5. What is the difference between gross pay and reckonable pay for PRSI?
Gross pay is everything taxable before deductions. Reckonable pay for PRSI strips out items not subject to social insurance and adds back certain salary-sacrifice elements that Revenue and the Department of Social Protection treat as still PRSI-able. Pension contributions reduce PAYE and USC but generally do not reduce reckonable pay, which is why your PRSI base often looks higher than the figure feeding income tax. The EUR 12 weekly PRSI credit then tapers between EUR 352.01 and EUR 424.
6. What if Revenue RPN does not match my employer payroll?
The RPN is the master record. If your payslip applies different credits or a different SRCOP, the employer is on the older instruction and a correction is due in the next pay run. Log into myAccount, open Manage Your Tax 2026, and confirm the live RPN. If it is correct there, forward the PDF to your payroll team. If the RPN itself is wrong, edit your credits or cut-off online and Revenue pushes a fresh RPN to the employer within 24 hours. Persistent mismatches can be raised on 01 738 3636 or via MyEnquiries inside ROS.
7. Why did my USC suddenly jump?
USC is banded, so each euro above a threshold attracts a higher marginal rate. The first EUR 12,012 sits at 0.5%, then 2% to EUR 27,382, then 4% to EUR 70,044, with 8% above. A bonus, overtime, or even a 53rd weekly pay period can push cumulative income across a band, and the catch-up shows in one payslip rather than being spread evenly. Medical-card holders earning under EUR 60,000 cap at 2%, which can also flip if the card lapses. Our breakdown highlights which euro fell into which band.
8. How do I claim back overpaid Irish PAYE tax from prior years?
Revenue allows refunds for the previous four tax years, so in 2026 you can still go back to 2022. Sign in to myAccount, choose Review Your Tax, and request a Statement of Liability for each year. Add unclaimed reliefs such as health expenses, remote-working relief, flat-rate expenses for your occupation, or the Rent Tax Credit. Submit, and any overpayment refunds to your nominated bank account, usually within five working days. Underpayments can be coded against future credits.
9. The P60 was abolished in 2019. What replaces it?
Two documents now do the work the P60 used to do. The Employment Detail Summary, available in myAccount from mid-January, lists every euro of pay, PAYE, USC and PRSI reported by each employer through PAYE Modernisation. The Tax Credit Certificate, viewable any time of year, shows your live credits, SRCOP and USC bands. Mortgage providers, landlords and grant bodies are obliged to accept the Employment Detail Summary in place of the old P60. Print it as a PDF directly from myAccount.
10. Is my PRSI Class A1 correct? When does AX or AL apply?
Class A1 covers most private-sector employees aged 16 to 66 earning over EUR 424 a week. Below EUR 352 weekly, no employee PRSI applies but the record still shows Class AO. AX applies where weekly reckonable pay sits between EUR 352.01 and EUR 424 and the medical-card concession reduces the employer rate; AL applies in the same band without the medical card and again the employee gets the tapered PRSI credit. Once you cross EUR 424, you move to A1 and the credit fully tapers out.
11. How does My Future Fund auto-enrolment show on my payslip from 2026?
My Future Fund went live on 30 September 2026 for employees aged 23 to 60 earning over EUR 20,000 who are not already in a qualifying scheme. Year-one contributions are 1.5% from you, 1.5% from the employer, plus a one-third State top-up paid directly into the fund. Your 1.5% appears as a separate post-tax line, not as a salary-sacrifice deduction, so it does not reduce PAYE, USC or PRSI in 2026. Rates step up every three years to a combined 14% by 2034.
12. What does Week 1 / Month 1 basis mean on my Irish tax credit cert?
Week 1 or Month 1 basis, sometimes called non-cumulative, treats every pay period in isolation. Each week or month gets one fifty-second or one twelfth of your annual credits and SRCOP, with no carry-forward of unused amounts. Revenue applies it where prior-year figures are unclear, after a long absence, or to prevent a sudden refund or underpayment when circumstances change mid-year. The downside is you cannot reclaim earlier-year overpayments through payroll; you wait for the Statement of Liability.
13. How is overtime, bonus or RSU income taxed differently?
It is not taxed at a different rate, but it stacks on top of regular pay in the same period, so more of it falls into the higher PAYE band, the 8% USC band, and full-rate PRSI with no tapered credit. RSUs vesting are taxed under PAYE at the market value on vest date; the employer must operate Real Time Foreign Income reporting and remit within 14 days. Bonuses paid in March often look brutal because the cumulative basis suddenly catches up. CGT may apply on later disposal, separately from payroll.
14. Can self-employed Class S or Schedule D contractors use this checker?
The payslip checker itself targets PAYE workers, since Schedule D income is not paid through payroll and has no payslip. However, if you are a proprietary director or a contractor inside an umbrella company, you do receive a payslip and the tool works normally, with PRSI Class S at 4.1% from January 2026 rising to 4.2% in October. Sole traders filing Form 11 should use our separate Preliminary Tax estimator, which models income tax, USC and Class S PRSI on net profit.
15. What if my employer payroll disagrees with PaySlipIQ Ireland?
Start by checking the inputs we extracted from the PDF, especially the SRCOP, total annual credits and pay frequency. A single wrong digit on credits shifts PAYE noticeably. Next, compare against your live RPN in myAccount; the employer should be running the same figures. If credits, cut-off and gross pay all agree but the deductions still differ, the most common culprits are BIK on health insurance, salary-sacrifice bike-to-work or TaxSaver tickets, and pension AVCs hitting different bases. Unresolved disputes can go to Revenue on 01 738 3636 or the WRC.