{"European Payroll Toolkit":"Uirlisí Eorpacha Párolla","Salary, pension, leave and termination in Greece, Germany, Italy, Spain and the UK":"Tuarastal, pinsean, saoire agus deireadh fostaíochta sa Ghréig, sa Ghearmáin, san Iodáil, sa Spáinn agus sa Ríocht Aontaithe","Your salary":"Do thuarastal","Example figures. Replace them with yours.":"Figiúirí samplacha. Cuir do chuid féin ina n-áit.","Tax year":"Bliain chánach","Salaries / year":"Tuarastail / bliain","I know my":"Tá a fhios agam mo","Gross / mo":"Comhlán / mí","Gross / yr":"Comhlán / bliain","Net / mo":"Glan / mí","Amount (€)":"Méid (€)","Dependent children":"Leanaí cleithiúnacha","Age in tax year":"Aois sa bhliain chánach","Bonus / year (gross €)":"Bónas / bliain (comhlán €)","Bonus as % of annual salary":"Bónas mar % den tuarastal bliantúil","First insured":"Árachas den chéad uair","1993 or later":"1993 nó níos déanaí","Before 1993":"Roimh 1993","Sector":"Earnáil","Private":"Príobháideach","Public":"Poiblí","More options":"Tuilleadh roghanna","I spend at least 30% of my income by card or e-payment (rule since 2020)":"Caithim 30% ar a laghad de m’ioncam le cárta nó íocaíocht leictreonach (riail ó 2020)","My e-payment spending (€ / year)":"Mo chaiteachas le híocaíocht leictreonach (€ / bliain)","Custom employee EFKA rate (%)":"Ráta saincheaptha EFKA don fhostaí (%)","use the year’s rate":"úsáid ráta na bliana","Net per month":"Glan in aghaidh na míosa","Net per year":"Glan in aghaidh na bliana","Income tax":"Cáin ioncaim","EFKA":"EFKA","Marginal rate":"Ráta imeallach","of each extra €1 gross":"de gach €1 comhlán breise","Where your gross pay goes":"Cá dtéann do phá comhlán","you keep":"coinníonn tú","Net pay":"Glanphá","EFKA (pension & health)":"EFKA (pinsean agus sláinte)","Solidarity levy":"Tobhach dlúthpháirtíochta","E-spending shortfall tax":"Cáin ar easnamh caiteachais leictreonaigh","Employer EFKA":"EFKA an fhostóra","Payslip breakdown":"Miondealú na duillí pá","Regular month":"Mí ghnáth","Christmas bonus":"Bónas Nollag","Easter bonus":"Bónas Cásca","Holiday allowance":"Liúntas saoire","One-off bonus":"Bónas aonuaire","Year total":"Iomlán na bliana","Payment":"Íocaíocht","Gross":"Comhlán","Tax & levies":"Cáin agus tobhaigh","Net":"Glan","How the tax is calculated":"Conas a ríomhtar an cháin","Annual gross":"Comhlán bliantúil","Employee EFKA":"EFKA an fhostaí","Taxable income":"Ioncam inchánach","Tax from the scale":"Cáin de réir an scála","Tax credit":"Creidmheas cánach","Income tax due":"Cáin ioncaim dlite","E-spending shortfall (22%)":"Easnamh caiteachais leictreonaigh (22%)","Total tax withheld":"Iomlán na cánach a coinníodh siar","EFKA ceiling {c} / month":"Uasteorainn EFKA {c} / mí","Your bonus":"Do bhónas","Enter a one-off bonus on the left to see how much of it you keep.":"Cuir isteach bónas aonuaire ar chlé le feiceáil cé mhéad de a choinneoidh tú.","reaches your account out of {b} gross":"sroicheann sé do chuntas as {b} comhlán","You keep {p} of the bonus. EFKA takes {e} and tax {t}. The bonus is taxed at your top rate, so it is taxed harder than your salary on average.":"Coinníonn tú {p} den bhónas. Tógann EFKA {e} agus an cháin {t}. Gearrtar cáin ar an mbónas ag do ráta is airde, mar sin bíonn níos mó cánach air ná ar do thuarastal ar an meán.","Net for the year with bonus: {n} (without: {w})":"Glan don bhliain leis an mbónas: {n} (gan é: {w})","Total cost to the employer":"Costas iomlán don fhostóir","Gross pay plus employer EFKA at {r}. You take home {p} of it.":"Pá comhlán móide EFKA an fhostóra ag {r}. Faigheann tú {p} de abhaile.","Your salary across 20 years of Greek tax rules":"Do thuarastal thar 20 bliain de rialacha cánach na Gréige","Each year from 2006 to 2026 is computed with that year’s tax scale, EFKA rates and solidarity levy. Compare in nominal euros, or adjust for inflation to see purchasing power in euros of {y}.":"Ríomhtar gach bliain ó 2006 go 2026 le scála cánach, rátaí EFKA agus tobhach dlúthpháirtíochta na bliana sin. Cuir i gcomparáid in euro ainmniúla, nó coigeartaigh don bhoilsciú le cumhacht ceannaigh a fheiceáil in euro {y}.","Gross salary in each year":"Tuarastal comhlán gach bliain","Same euros":"Na euro céanna","Same purchasing power":"An chumhacht ceannaigh chéanna","My actual salaries":"Mo thuarastail iarbhír","Show amounts in":"Taispeáin méideanna i","Nominal €":"€ ainmniúla","€ of {y} (inflation-adjusted)":"€ de {y} (coigeartaithe don bhoilsciú)","Include the bonus":"Cuir an bónas san áireamh","Type your gross monthly salary for each year in the \"Gross / mo\" column of the table below.":"Scríobh do thuarastal comhlán míosúil do gach bliain sa cholún \"Comhlán / mí\" sa tábla thíos.","Annual pay split by year (nominal €)":"Pá bliantúil roinnte de réir bliana (€ ainmniúla)","Annual pay split by year (€ of {y})":"Pá bliantúil roinnte de réir bliana (€ de {y})","Share of gross pay by year":"Sciar den phá comhlán de réir bliana","Highest real net":"An glan réadach is airde","Lowest real net":"An glan réadach is ísle","Prices 2006 → {y}":"Praghsanna 2006 → {y}","€100 in 2006 buys what {v} buys in {y}":"Ceannaíonn €100 in 2006 an méid a cheannaíonn {v} in {y}","Real net {y} vs 2006":"Glan réadach {y} i gcomparáid le 2006","per month, € of {y}":"in aghaidh na míosa, € de {y}","Year":"Bliain","Tax":"Cáin","Solidarity":"Dlúthpháirtíocht","Net / yr":"Glan / bliain","Kept":"Coinnithe","Real net / mo (€ {y})":"Glan réadach / mí (€ {y})","Assumptions and data":"Toimhdí agus sonraí","These rates drive every calculation: standard EFKA (formerly IKA) rates for a private-sector employee without a special fund or heavy-and-unhealthy status, the monthly contribution ceiling, and annual CPI inflation (ELSTAT). Edit any cell to match your case. Edits are saved in this browser only.":"Stiúrann na rátaí seo gach ríomh: gnáthrátaí EFKA (IKA roimhe) d’fhostaí san earnáil phríobháideach gan ciste speisialta ná post trom míshláintiúil, an uasteorainn ranníocaíochta míosúil, agus boilsciú bliantúil CPI (ELSTAT). Cuir eagar ar aon chill do do chás féin. Ní shábháiltear athruithe ach sa bhrabhsálaí seo.","Inflation %":"Boilsciú %","Employee EFKA %":"EFKA fostaí %","Employer EFKA %":"EFKA fostóir %","Ceiling € / mo":"Uasteorainn € / mí","Ceiling pre-1993":"Uasteorainn roimh 1993","Tax system":"Córas cánach","Reset to defaults":"Athshocraigh go réamhshocruithe","est.":"meastachán","Tax rules by period":"Rialacha cánach de réir tréimhse","{n} payments a year · {g} gross / month":"{n} íocaíocht in aghaidh na bliana · {g} comhlán / mí","Net per month · {y}":"Glan in aghaidh na míosa · {y}","{p} of gross":"{p} den chomhlán","Needed gross: {g} / month":"Comhlán riachtanach: {g} / mí","= {g} / month over {n} payments":"= {g} / mí thar {n} íocaíocht","= {g} gross / year":"= {g} comhlán / bliain","Estimates for guidance only. Covers wage income of one employee. Older contribution rates and ceilings are typical values, the 2025–2026 inflation and 2026 ceiling are estimates, and the 2026 scale follows the reform passed in late 2025. Special funds (banks, press, engineers), heavy-and-unhealthy jobs, other income, deductions and allowances are not modelled. Spouses are taxed separately on their own wages; the child credit applies to each. For exact figures, check your payslip or an accountant.":"Meastacháin le haghaidh treorach amháin. Clúdaíonn sé ioncam pá fostaí amháin. Is luachanna tipiciúla iad na rátaí agus na huasteorainneacha níos sine, is meastacháin iad boilsciú 2025–2026 agus uasteorainn 2026, agus leanann scála 2026 an t-athchóiriú a ritheadh ag deireadh 2025. Ní ríomhtar cistí speisialta (bainc, preas, innealtóirí), poist throma mhíshláintiúla, ioncam eile, asbhaintí ná liúntais. Gearrtar cáin ar chéilí ar leithligh ar a bpá féin; baineann an creidmheas leanaí le gach duine. Le haghaidh figiúirí beachta, féach ar do dhuillín pá nó labhair le cuntasóir.","Tax-free zone + 3 bands":"Crios saor ó cháin + 3 bhanda","€12k tax-free, 18–45%":"€12k saor ó cháin, 18–45%","€5k tax-free, 10–45%, solidarity":"€5k saor ó cháin, 10–45%, dlúthpháirtíocht",", €2,100 credit":", creidmheas €2,100",", solidarity":", dlúthpháirtíocht","top":"barr"," / year":" / bliain","How to read this section":"Conas an chuid seo a léamh","<b>Same euros, shown nominal.</b> Every year uses the same gross salary of {m} / month, shown exactly as it would have been paid in that year. Gross is identical in every bar, so any change in net comes only from changes in tax and EFKA rules. Inflation is ignored here, so a euro in 2006 and a euro in {y} count the same even though a 2006 euro bought more.":"<b>Na euro céanna, ainmniúil.</b> Úsáideann gach bliain an tuarastal comhlán céanna de {m} / mí, mar a d’íocfaí an bhliain sin é. Tá an comhlán mar an gcéanna i ngach barra, mar sin ní thagann aon athrú sa ghlan ach ó rialacha cánach agus EFKA. Ní chuirtear boilsciú san áireamh anseo: comhaireann euro 2006 agus euro {y} mar an gcéanna, cé gur cheannaigh euro 2006 níos mó.","<b>Same euros, inflation-adjusted.</b> Every year uses the same nominal salary of {m} / month, then converts it into euros of {y}. Back in 2006 that salary bought what {r} buys today, so the bars get smaller towards {y}: a salary that never rises loses value as prices go up. Use this view to see what a frozen salary costs you.":"<b>Na euro céanna, coigeartaithe don bhoilsciú.</b> Úsáideann gach bliain an tuarastal ainmniúil céanna de {m} / mí, aistrithe go euro {y}. In 2006 cheannaigh an tuarastal sin an méid a cheannaíonn {r} inniu, mar sin éiríonn na barraí níos lú i dtreo {y}: cailleann tuarastal nach n-ardaíonn riamh luach nuair a ardaíonn praghsanna. Úsáid an t-amharc seo le feiceáil cad a chosnaíonn tuarastal reoite ort.","<b>Same purchasing power, shown nominal.</b> The salary is adjusted for inflation so it buys the same in every year: {a} / month in 2006 is equivalent to {m} / month in {y}. Amounts are shown as they would have been paid at the time, so the bars rise mainly because prices rose, not because the worker is better off.":"<b>An chumhacht ceannaigh chéanna, ainmniúil.</b> Coigeartaítear an tuarastal don bhoilsciú ionas go gceannaíonn sé an méid céanna gach bliain: is ionann {a} / mí in 2006 agus {m} / mí in {y}. Taispeántar méideanna mar a d’íocfaí iad ag an am, mar sin ardaíonn na barraí go príomha toisc gur ardaigh praghsanna, ní toisc go bhfuil an t-oibrí níos fearr as.","<b>Same purchasing power, inflation-adjusted.</b> The salary is the same in real terms every year ({m} / month in euros of {y}), so the total height of every bar is the same. Any change in the blue net part is purely the effect of tax and EFKA rules. This is the cleanest view of how the system treated the same worker over time.":"<b>An chumhacht ceannaigh chéanna, coigeartaithe don bhoilsciú.</b> Tá an tuarastal mar an gcéanna i dtéarmaí réadacha gach bliain ({m} / mí in euro {y}), mar sin tá airde iomlán gach barra mar an gcéanna. Is éifeacht rialacha cánach agus EFKA amháin aon athrú sa chuid ghorm glan. Seo an t-amharc is soiléire ar conas a chaith an córas leis an oibrí céanna thar am.","<b>Your actual salaries, shown nominal.</b> Each year uses the gross you typed in the table, shown as it was paid at the time. Bars mix two effects: your raises and inflation. Switch to inflation-adjusted to separate them.":"<b>Do thuarastail iarbhír, ainmniúil.</b> Úsáideann gach bliain an comhlán a scríobh tú sa tábla, mar a íocadh é ag an am. Measctar dhá éifeacht sna barraí: d’ardaithe pá agus boilsciú. Athraigh go coigeartaithe don bhoilsciú le iad a scaradh.","<b>Your actual salaries, inflation-adjusted.</b> Each year uses the gross you typed, converted into euros of {y}. Rising bars mean your take-home pay really bought more; falling bars mean your raises did not keep up with prices or taxes.":"<b>Do thuarastail iarbhír, coigeartaithe don bhoilsciú.</b> Úsáideann gach bliain an comhlán a scríobh tú, aistrithe go euro {y}. Ciallaíonn barraí ag ardú gur cheannaigh do phá glan níos mó i ndáiríre; ciallaíonn barraí ag titim nár choinnigh d’ardaithe pá suas le praghsanna ná cánacha.","<b>Left chart:</b> each bar is one year’s total gross pay (including bonuses), split into what you keep (net, blue) and what goes to EFKA, income tax and the solidarity levy.{mw} <b>Right chart:</b> the same split as a percentage of gross. Percentages are not affected by inflation, so this chart only changes with the gross salary choice. <b>Table:</b> the \"Real net / mo\" column is always in euros of {y}, whatever you choose above.":"<b>Cairt ar chlé:</b> is é gach barra pá comhlán iomlán bliana (le bónais), roinnte idir an méid a choinníonn tú (glan, gorm) agus an méid a théann chuig EFKA, cáin ioncaim agus an tobhach dlúthpháirtíochta.{mw} <b>Cairt ar dheis:</b> an roinnt chéanna mar chéatadán den chomhlán. Ní bhraitheann céatadáin ar bhoilsciú, mar sin ní athraíonn an chairt seo ach le rogha an tuarastail chomhláin. <b>Tábla:</b> bíonn an colún \"Glan réadach / mí\" i gcónaí in euro {y}, cibé rud a roghnaíonn tú thuas."," The dashed line is the minimum wage for a full year, on the same basis.":" Is í an líne bhriste an pá íosta do bhliain iomlán, ar an mbonn céanna.","<b>You have not typed any past salaries yet.</b> Until you do, every earlier year uses your {y} salary ({m} / month) moved back with inflation (the grey numbers in the Gross / mo column). That keeps purchasing power the same in every year, so the bars come out almost equal. Type what you really earned in each year to see your own history.":"<b>Níor scríobh tú aon tuarastal roimhe seo fós.</b> Go dtí go ndéanann tú, úsáideann gach bliain níos luaithe do thuarastal {y} ({m} / mí) bogtha siar le boilsciú (na huimhreacha liatha sa cholún Comhlán / mí). Coinníonn sé sin an chumhacht ceannaigh mar an gcéanna gach bliain, mar sin bíonn na barraí beagnach cothrom. Scríobh an méid a thuill tú i ndáiríre gach bliain le do stair féin a fheiceáil.","<b>{n} years have no salary typed in.</b> Those years use your {y} salary ({m} / month) moved back with inflation (grey numbers in the Gross / mo column), so they show the same purchasing power as {y}. Type your real salary there to replace them.":"<b>Níl tuarastal scríofa do {n} bliain.</b> Úsáideann na blianta sin do thuarastal {y} ({m} / mí) bogtha siar le boilsciú (uimhreacha liatha sa cholún Comhlán / mí), mar sin léiríonn siad an chumhacht ceannaigh chéanna le {y}. Scríobh do thuarastal fíor ansin chun iad a athsholáthar.","Estimate: your current salary adjusted for inflation. Type your real salary for this year.":"Meastachán: do thuarastal reatha coigeartaithe don bhoilsciú. Scríobh do thuarastal fíor don bhliain seo.","Worked example: the {a} bar next to the {b} bar":"Sampla: barra {a} in aice le barra {b}","Each bar in the left chart is one full year of pay, stacked from the bottom: net (what reaches your account) first, then EFKA, then income tax and any levies on top. The whole height is the gross. Below, two bars are taken apart: {a} and {b}. One is the base year {y}, the other is the year in which you kept the smallest share of your gross (amounts {basis}).":"Is bliain iomlán pá gach barra sa chairt ar chlé, carnaithe ón mbun: glan ar dtús (an méid a shroicheann do chuntas), ansin EFKA, ansin cáin ioncaim agus aon tobhaigh ar barr. Is é an airde iomlán an comhlán. Thíos, baintear dhá bharra óna chéile: {a} agus {b}. Is í ceann acu an bhliain bhunúsach {y}, an ceann eile an bhliain inar choinnigh tú an sciar is lú de do chomhlán (méideanna {basis}).","as paid at the time":"mar a íocadh ag an am","in euros of {y}":"in euro {y}","Gross (bar height)":"Comhlán (airde an bharra)","points":"pointí","How to read it: in {a} the bar is {ga} tall. The bottom part, {na}, is your net ({ka} of the bar); {ea} went to EFKA and {ta} to tax and levies. In {b} the bar is {gb} tall and the net part is {nb} ({kb}). So from {a} to {b} your yearly net changed by {dn} and the share you keep by {dk}. Hover any bar to see the same numbers for that year.":"Conas é a léamh: in {a} tá an barra {ga} ar airde. Is é an chuid íochtair, {na}, do ghlan ({ka} den bharra); chuaigh {ea} chuig EFKA agus {ta} chuig cáin agus tobhaigh. In {b} tá an barra {gb} ar airde agus is é an chuid ghlan {nb} ({kb}). Mar sin ó {a} go {b} d’athraigh do ghlan bliantúil {dn} agus an sciar a choinníonn tú {dk}. Cuir an luch os cionn aon bharra leis na huimhreacha céanna don bhliain sin a fheiceáil.","Both bars have the same height, so the whole difference in net comes from the rules: tax and levies changed by {dt} a year between {a} and {b}, plus any change in EFKA rates.":"Tá an airde chéanna ag an dá bharra, mar sin tagann an difríocht iomlán sa ghlan ó na rialacha: d’athraigh cáin agus tobhaigh {dt} in aghaidh na bliana idir {a} agus {b}, móide aon athrú ar rátaí EFKA.","The bars have different heights because the gross itself differs (raises or inflation, depending on your choices above). Compare the percentages rather than the euros to see the effect of the rules alone: tax and levies changed by {dt} a year.":"Tá airdí difriúla ag na barraí toisc go bhfuil an comhlán féin difriúil (ardaithe pá nó boilsciú, ag brath ar do roghanna thuas). Cuir na céatadáin i gcomparáid seachas na euro le héifeacht na rialacha amháin a fheiceáil: d’athraigh cáin agus tobhaigh {dt} in aghaidh na bliana.","Gross: ":"Comhlán:","Salary":"Tuarastal","Pension":"Pinsean","Leave":"Saoire","Your working life":"Do shaol oibre","All amounts are in today’s euros. Pensions are assumed to keep pace with inflation.":"Tá gach méid in euro an lae inniu. Glactar leis go gcoinníonn pinsin suas le boilsciú.","Age now":"Aois anois","Years insured so far":"Blianta árachais go dtí seo","More years I will work":"Blianta eile a oibreoidh mé","until I retire":"go dtí go rachaidh mé ar scor","Claim pension":"Éiligh pinsean","As early as possible":"Chomh luath agus is féidir","When it is full":"Nuair atá sé iomlán","<b>Your plan:</b> work {n} more years → stop at {stop} ({sy}) with {y} years insured → pension from age {a} ({yr}), {s}.":"<b>Do phlean:</b> oibrigh {n} bliain eile → stop ag {stop} ({sy}) le {y} bliain árachais → pinsean ó aois {a} ({yr}), {s}."," You wait {w} years with neither salary nor pension.":" Fanann tú {w} bliain gan tuarastal ná pinsean.","<b>Your plan:</b> with {n} more years you would have {y} years insured, below the 15-year minimum. You need at least {k} more years.":"<b>Do phlean:</b> le {n} bliain eile bheadh {y} bliain árachais agat, faoi bhun an íosmhéid de 15. Teastaíonn {k} bliain eile ar a laghad.","You are viewing a different cell from your plan.":"Tá cill dhifriúil ó do phlean á féachaint agat.","Back to my plan":"Ar ais chuig mo phlean","Your plan":"Do phlean","Avg gross / mo so far":"Meánchomhlán / mí go dtí seo","Gross / mo from now":"Comhlán / mí as seo amach","Empty = salary from the Salary tab.":"Folamh = tuarastal ón gcluaisín Tuarastal.","Raise above inflation %":"Ardú os cionn boilscithe %","Life expectancy":"Ionchas saoil","Years in Greece after 15":"Blianta sa Ghréig tar éis 15","Men":"Fir","Women":"Mná","Heavy & unhealthy occupation (ΒΑΕ), most of my years":"Slí bheatha throm mhíshláintiúil (ΒΑΕ), formhór mo bhlianta","Break-even compares pension with":"Cuireann an pointe cothromaíochta an pinsean i gcomparáid le","My contributions":"Mo ranníocaíochtaí","Mine + employer":"Mo chuid + an fhostóra","Notional time to buy (years, max 7)":"Am barúlach le ceannach (blianta, uas. 7)","Military service, child-raising, studies, unemployment. Costs about 20% of your monthly salary for every month bought.":"Seirbhís mhíleata, tógáil leanaí, staidéar, dífhostaíocht. Cosnaíonn sé thart ar 20% de do thuarastal míosúil do gach mí a cheannaítear.","Full national pension (€ / month)":"Pinsean náisiúnta iomlán (€ / mí)","Retire at {a} · {y} years insured · {yr}":"Scor ag {a} · {y} bliain árachais · {yr}","{g} gross · {s} · 12 payments a year":"{g} comhlán · {s} · 12 íocaíocht in aghaidh na bliana","full pension":"pinsean iomlán","reduced by {p}":"laghdaithe faoi {p}","not eligible":"níl sé incháilithe","Replacement rate":"Ráta athsholáthair","of your final net salary":"de do thuarastal glan deiridh","Pension contributions":"Ranníocaíochtaí pinsin","yours {m} · employer {e}":"do chuid {m} · fostóir {e}","Paid back each year":"Íoctha ar ais gach bliain","of {b}":"de {b}","Break-even":"Pointe cothromaíochta","age {a}, after {n} years of pension":"aois {a}, tar éis {n} bliain pinsin","your contributions":"do ranníocaíochtaí","all contributions":"gach ranníocaíocht","Earliest pension":"An pinsean is luaithe","Earliest full pension":"An pinsean iomlán is luaithe","Working until 67":"Ag obair go 67","Working until 70":"Ag obair go 70","at {a} ({yr}) with {y} years, net / month":"ag {a} ({yr}) le {y} bliain, glan / mí","Not eligible":"Níl sé incháilithe","Every scenario: net monthly pension":"Gach cás: pinsean glan míosúil","Rows: the age you claim your pension. Columns: your total years of insurance by then. Outlined cells assume you keep working until you retire; cells to their left mean you stopped working earlier. Click a cell to see its details below.":"Rónna: an aois ag a n-éilíonn tú do phinsean. Colúin: do bhlianta iomlána árachais faoin am sin. Glacann cealla le himlíne leis go leanann tú ag obair go dtí go rachaidh tú ar scor; ciallaíonn cealla ar a gclé gur stop tú ag obair níos luaithe. Cliceáil ar chill le sonraí a fheiceáil thíos.","Age":"Aois","Years insured":"Blianta árachais","Full pension":"Pinsean iomlán","Reduced (early)":"Laghdaithe (luath)","Working until retirement":"Ag obair go dtí an scor","Selected: details shown below (click any cell to change)":"Roghnaithe: sonraí thíos (cliceáil ar aon chill le hathrú)","Pension breakdown":"Miondealú an phinsin","National pension":"Pinsean náisiúnta","Contributory pension":"Pinsean ranníocach","Supplementary pension":"Pinsean forlíontach","Early-retirement cut":"Laghdú do luathscor","Gross pension":"Pinsean comhlán","Health contribution (6%)":"Ranníocaíocht sláinte (6%)","Net pension / month":"Glanphinsean / mí","Pensionable earnings: {a} / month (career average, incl. bonuses, spread over 12 months). Accrual rate for {y} years: {r}. National pension share: {n}.":"Tuilleamh inphinsin: {a} / mí (meán an tsaoil oibre, le bónais, scaipthe thar 12 mhí). Ráta fabhraithe do {y} bliain: {r}. Sciar an phinsin náisiúnta: {n}.","Contributions and payback":"Ranníocaíochtaí agus aisíocaíocht","Your pension contributions (6.67% main + 3% suppl.)":"Do ranníocaíochtaí pinsin (6.67% príomh + 3% forl.)","Employer pension contributions (13.33% + 3%)":"Ranníocaíochtaí pinsin an fhostóra (13.33% + 3%)","Notional time purchase":"Ceannach ama bharúlaigh","Total paid in":"Iomlán íoctha isteach","Net pension per year":"Glanphinsean in aghaidh na bliana","Expected years in retirement (life expectancy)":"Blianta ionchais ar scor (ionchas saoil)","Expected lifetime net pension":"Glanphinsean ionchais ar feadh an tsaoil","Lifetime pension ÷ {b}":"Pinsean saoil ÷ {b}","You get back {b} ({v}) after {n} years of pension, at age {age} in {yr}. Health contributions (about 7% of pay, shared) are not counted: they pay for healthcare, not pension.":"Faigheann tú {b} ({v}) ar ais tar éis {n} bliain pinsin, ag aois {age} in {yr}. Ní chomhairtear ranníocaíochtaí sláinte (thart ar 7% den phá, roinnte): íocann siad as cúram sláinte, ní as an bpinsean.","At this level you do not get back {b} within your life expectancy.":"Ag an leibhéal seo ní fhaigheann tú {b} ar ais laistigh de d’ionchas saoil.","Gross monthly pension by retirement age (working until then)":"Pinsean comhlán míosúil de réir aois scoir (ag obair go dtí sin)","Cumulative net pension vs contributions":"Glanphinsean carnach i gcomparáid le ranníocaíochtaí","Pension received":"Pinsean faighte","Your contributions":"Do ranníocaíochtaí","All contributions":"Gach ranníocaíocht","Pension rules applied":"Rialacha pinsin a cuireadh i bhfeidhm","Projection under current law (Laws 4336/2015, 4387/2016, 4670/2020) for EFKA private-sector employees. People insured before 1993, mothers of minor children, civil servants and some ΒΑΕ categories may still have transitional rules with earlier ages. Past earnings are taken in today’s euros; the supplementary annuity and life expectancy are simplified. For your official record, use e-ΕΦΚΑ (ατομικός λογαριασμός ασφάλισης, ψηφιακή απονομή).":"Réamh-mheastachán faoin dlí reatha (Dlíthe 4336/2015, 4387/2016, 4670/2020) d’fhostaithe EFKA san earnáil phríobháideach. Is féidir go bhfuil rialacha idirthréimhseacha le haoiseanna níos ísle fós ag daoine a bhí árachaithe roimh 1993, máithreacha le leanaí mionaoiseacha, státseirbhísigh agus roinnt catagóirí ΒΑΕ. Glactar le tuilleamh roimhe seo in euro an lae inniu; simplítear an pinsean forlíontach agus an t-ionchas saoil. Le haghaidh do thaifid oifigiúil, úsáid e-ΕΦΚΑ (ατομικός λογαριασμός ασφάλισης, ψηφιακή απονομή).","Your job and family":"Do phost agus do theaghlach","Working week":"Seachtain oibre","5 days":"5 lá","6 days":"6 lá","Years with current employer":"Blianta leis an bhfostóir reatha","Total years worked (all employers)":"Blianta iomlána oibre (gach fostóir)","I am the":"Is mise an","Mother":"Máthair","Father":"Athair","Calendar year":"Bliain féilire","Children":"Leanaí","Children’s ages (years)":"Aoiseanna na leanaí (blianta)","Child {n}":"Leanbh {n}","Expecting a baby":"Ag súil le leanbh","Single-parent family":"Teaghlach aontuismitheora","Child with a disability (67%+)":"Leanbh faoi mhíchumas (67%+)","Gross monthly salary (€)":"Tuarastal comhlán míosúil (€)","Annual leave · {y}":"Saoire bhliantúil · {y}","working days":"laethanta oibre","{w}-day week · {e} years with employer · {t} years total":"seachtain {w} lá · {e} bliain leis an bhfostóir · {t} bliain san iomlán","First year: {r} days per month worked ({m} months so far)":"An chéad bhliain: {r} lá in aghaidh gach míosa oibre ({m} mí go dtí seo)","Weekday public holidays":"Laethanta saoire poiblí ar laethanta oibre","{m} mandatory, {c} customary":"{m} éigeantach, {c} gnách","Paid days off":"Laethanta saor íoctha","leave + holidays + family days":"saoire + laethanta saoire poiblí + laethanta teaghlaigh","Value of your leave":"Luach do shaoire","+ leave allowance {a}":"+ liúntas saoire {a}","Next increase":"An chéad ardú eile","to {d} days, in {n}":"go {d} lá, i gceann {n}","Top of scale":"Barr an scála","you have the maximum":"tá an t-uasmhéid agat","{n} yr":"{n} bl","Annual leave scale (Law 4504/1966, 3302/2004)":"Scála saoire bliantúla (Dlí 4504/1966, 3302/2004)","Service":"Seirbhís","5-day":"5 lá","6-day":"6 lá","1st year with employer":"An chéad bhliain leis an bhfostóir","2nd year":"An dara bliain","3rd year onwards":"ón tríú bliain ar aghaidh","10 years with employer or 12 years in total":"10 mbliana leis an bhfostóir nó 12 bhliain san iomlán","25 years in total":"25 bliain san iomlán","pro rata":"pro rata","Leave is counted in working days. At least 12 working days (10 on a 5-day week) must be taken in one block, and leave cannot be replaced by money while you are employed. Unused leave is paid out only when the job ends.":"Comhairtear saoire i laethanta oibre. Caithfear 12 lá oibre ar a laghad (10 i seachtain 5 lá) a ghlacadh i mbloc amháin, agus ní féidir airgead a thabhairt in ionad saoire fad atá tú fostaithe. Ní íoctar saoire nár glacadh ach nuair a chríochnaíonn an post.","Public holidays {y}":"Laethanta saoire poiblí {y}","Take {d} off → {n} days in a row":"Glac {d} saor → {n} lá as a chéile","weekend":"deireadh seachtaine","mandatory":"éigeantach","customary":"gnách","Leave around a birth":"Saoire timpeall breithe","Months before and after the birth. Childcare leave (reduced hours) can instead be taken as one continuous block if the employer agrees. Parental leave can be used any time until the child turns 8.":"Míonna roimh agus tar éis na breithe. Is féidir saoire chúram leanaí (uaireanta laghdaithe) a ghlacadh mar bhloc leanúnach amháin má aontaíonn an fostóir. Is féidir saoire tuismitheora a úsáid am ar bith go dtí go mbíonn an leanbh 8 mbliana d’aois.","Family and special leave":"Saoire teaghlaigh agus speisialta","Entitlement":"Teidlíocht","Pay":"Pá","For you now":"Duitse anois","Applies":"Baineann sé leat","Not now":"Ní anois","Based on Greek labour law for private-sector employees: Law 4504/1966 and 3302/2004 (annual leave), Law 4808/2021 (maternity, paternity, parental, carer and family leave) and the National General Collective Labour Agreement (ΕΓΣΣΕ). Sector or company agreements may give more. Public-sector staff follow different rules. Check with your employer or ΣΕΠΕ (Labour Inspectorate) for your case.":"Bunaithe ar dhlí saothair na Gréige d’fhostaithe san earnáil phríobháideach: Dlí 4504/1966 agus 3302/2004 (saoire bhliantúil), Dlí 4808/2021 (máithreachais, atharthachta, tuismitheora, cúramóra agus teaghlaigh) agus an Comhaontú Saothair Comhchoiteann Náisiúnta Ginearálta (ΕΓΣΣΕ). D’fhéadfadh comhaontuithe earnála nó cuideachta níos mó a thabhairt. Leanann foireann na hearnála poiblí rialacha eile. Seiceáil le d’fhostóir nó le ΣΕΠΕ (Cigireacht Saothair).","15 years minimum":"15 bliana ar a laghad","Full pension: 67, or 62 with 40 years":"Pinsean iomlán: 67, nó 62 le 40 bliain","Early pension from 62":"Luathphinsean ó 62","Heavy & unhealthy (ΒΑΕ)":"Trom agus míshláintiúil (ΒΑΕ)","Deductions on pensions":"Asbhaintí ar phinsin","included":"san áireamh","years":"blianta","Retirement age":"Aois scoir","Life expectancy ":"Ionchas saoil","Age (dashed line: life expectancy)":"Aois (líne bhriste: ionchas saoil)","New Year’s Day":"Lá Caille","Epiphany":"Nollaig na mBan (Eipeafáine)","Clean Monday":"An Luan Glan","Independence Day":"Lá na Saoirse","Good Friday":"Aoine an Chéasta","Easter Monday":"Luan Cásca","Labour Day":"Lá an Lucht Oibre","Whit Monday":"Luan Cincíse","Assumption of Mary":"Deastógáil Mhuire","Ochi Day":"Lá Ochi","Christmas Day":"Lá Nollag","Synaxis of the Theotokos":"Sionaxas Mháthair Dé","Annual leave":"Saoire bhliantúil","Employer":"Fostóir","Maternity leave":"Saoire mháithreachais","17 weeks: 8 before and 9 after birth":"17 seachtaine: 8 roimh agus 9 tar éis breithe","EFKA + employer top-up":"EFKA + barr ón bhfostóir","Special maternity protection":"Cosaint speisialta mháithreachais","9 months after maternity leave":"9 mí tar éis saoire mháithreachais","ΔΥΠΑ, at minimum-wage level":"ΔΥΠΑ, ag leibhéal an phá íosta","Paternity leave":"Saoire atharthachta","14 working days around the birth":"14 lá oibre timpeall na breithe","Employer (full pay)":"Fostóir (pá iomlán)","Childcare leave (reduced hours)":"Saoire chúram leanaí (uaireanta laghdaithe)","1 hour less per day for 30 months (or 2 h for 12 + 1 h for 6), or an equal block":"Uair níos lú in aghaidh an lae ar feadh 30 mí (nó 2 uair ar feadh 12 + 1 uair ar feadh 6), nó bloc comhionann","Parental leave":"Saoire tuismitheora","Up to 4 months per parent, per child, until age 8 (first 2 months paid)":"Suas le 4 mhí in aghaidh an tuismitheora, in aghaidh an linbh, go dtí aois 8 (an chéad 2 íoctha)","Needs 1 year with your employer":"Teastaíonn bliain le d’fhostóir","School visits":"Cuairteanna scoile","Child sickness leave":"Saoire do leanbh tinn","Single-parent extra leave":"Saoire bhreise d’aontuismitheoir","6 days a year (8 with 3+ children), children up to 12":"6 lá in aghaidh na bliana (8 le 3+ leanaí), leanaí suas go 12","Parent of a child with disability":"Tuismitheoir linbh faoi mhíchumas","Right to 1 hour less work per day":"Ceart chun uair níos lú oibre in aghaidh an lae","Pay reduced accordingly":"Pá laghdaithe dá réir","IVF / assisted reproduction":"IVF / atáirgeadh cuidithe","7 working days a year":"7 lá oibre in aghaidh na bliana","Prenatal check-ups":"Seiceálacha réamhbhreithe","Time off as needed for exams":"Am saor de réir mar is gá do scrúduithe","Carer leave":"Saoire cúramóra","5 working days a year for a relative needing care":"5 lá oibre in aghaidh na bliana do ghaol a bhfuil cúram de dhíth air","Marriage / civil partnership":"Pósadh / páirtnéireacht shibhialta","Bereavement":"Méala","2 working days (close relative)":"2 lá oibre (gaol gar)","Sick leave":"Saoire bhreoiteachta","No fixed limit; first 3 days at 50% pay, then EFKA sickness benefit plus employer top-up":"Gan teorainn sheasta; an chéad 3 lá ag 50% pá, ansin sochar breoiteachta EFKA móide barr ón bhfostóir","Employer + EFKA":"Fostóir + EFKA","Paid":"Íoctha","Benefit":"Sochar","Unpaid":"Gan phá","months":"míonna","Maternity 17 wks":"Máithreachas 17 seacht.","Special protection 9 months":"Cosaint speisialta 9 mí","Childcare: 1 hour less a day, 30 months":"Cúram leanaí: uair níos lú in aghaidh an lae, 30 mí","Parental leave 4 months, any time until age 8":"Saoire tuismitheora 4 mhí, am ar bith go dtí aois 8","Paternity 14 days":"Atharthacht 14 lá","Birth":"Breith","m":"m","Extra pay":"Pá breise","Freelance":"Saoroibrí","Job offers":"Tairiscintí poist","Termination":"Deireadh fostaíochta","Scenario name":"Ainm an cháis","Save":"Sábháil","Delete":"Scrios","Saved scenarios…":"Cásanna sábháilte…","Saved \"{n}\"":"\"{n}\" sábháilte","Loaded \"{n}\"":"\"{n}\" lódáilte","Deleted \"{n}\"":"\"{n}\" scriosta","Type a name for the scenario first":"Tabhair ainm don chás ar dtús","Pick a saved scenario to delete":"Roghnaigh cás sábháilte le scriosadh","Copy summary":"Cóipeáil achoimre","Summary copied to clipboard":"Achoimre cóipeáilte chuig an ngearrthaisce","Copy blocked: the text is selected, press Ctrl+C":"Cóipeáil bactha: tá an téacs roghnaithe, brúigh Ctrl+C","Spouse / partner taxable income (€ / year)":"Ioncam inchánach céile / páirtí (€ / bliain)","New resident in Greece: art. 5C (income tax on 50% of pay for 7 years)":"Cónaitheoir nua sa Ghréig: alt 5C (cáin ioncaim ar 50% den phá ar feadh 7 mbliana)","Minimum wage (gross / yr)":"Pá íosta (comhlán / bliain)","Min. wage / mo":"Pá íosta / mí","Family benefits":"Sochair teaghlaigh","Personal tips":"Leideanna pearsanta","Household (two earners)":"Teaghlach (dhá ioncam)","Partner gross / month":"Comhlán an pháirtí / mí","Childcare cost / month":"Costas cúram leanaí / mí","Add children in the panel on the left to estimate child benefit (Α21) and the birth allowance.":"Cuir leanaí leis sa phainéal ar chlé le sochar leanaí (Α21) agus deontas breithe a mheas.","Equivalised family income":"Ioncam teaghlaigh coibhéiseach","Α21 income band":"Banda ioncaim Α21","Child benefit (Α21)":"Sochar leanaí (Α21)","Birth allowance for a new baby":"Deontas breithe do leanbh nua","{v} / month · {y} / year":"{v} / mí · {y} / bliain","Not eligible (above €15,000)":"Níl sé incháilithe (os cionn €15,000)","Not eligible (above €40,000)":"Níl sé incháilithe (os cionn €40,000)","Α21 is paid to families with equivalised income up to €15,000: total family taxable income divided by 1 for the first parent, ½ for the second and ¼ per child. Amounts per child per month: €70 / €42 / €28 for the 1st and 2nd child and double from the 3rd, by band. Apply on idika.gov.gr (ΟΠΕΚΑ). Estimates.":"Íoctar Α21 le teaghlaigh a bhfuil ioncam coibhéiseach suas le €15,000 acu: ioncam inchánach iomlán an teaghlaigh roinnte ar 1 don chéad tuismitheoir, ½ don dara ceann agus ¼ in aghaidh an linbh. Méideanna in aghaidh an linbh in aghaidh na míosa: €70 / €42 / €28 don 1ú agus 2ú leanbh agus a dhúbailt ón 3ú ceann, de réir banda. Déan iarratas ar idika.gov.gr (ΟΠΕΚΑ). Meastacháin.","Pension vs investing it yourself":"Pinsean nó infheistiú tú féin","What if the same contributions went into a private investment instead? Each year’s contribution grows at the real return you choose until the selected retirement age, then pays out over your life expectancy.":"Cad a tharlódh dá rachadh na ranníocaíochtaí céanna in infheistíocht phríobháideach? Fásann ranníocaíocht gach bliana ag an toradh réadach a roghnaíonn tú go dtí an aois scoir roghnaithe, agus íoctar amach ansin í thar d’ionchas saoil.","Real return per year (%)":"Toradh réadach in aghaidh na bliana (%)","Invest":"Infheistigh","Capital at retirement":"Caipiteal ag scor","Private income / month":"Ioncam príobháideach / mí","EFKA pension / month (gross)":"Pinsean EFKA / mí (comhlán)","Difference":"Difríocht","in today’s euros at {a}":"in euro an lae inniu ag {a}","spent down over {n} years, before tax":"caite thar {n} bliain, roimh cháin","for life, with national pension floor":"ar feadh an tsaoil, le híosmhéid pinsin náisiúnta","Investing privately carries market risk and has no lifelong guarantee, no national-pension floor and no disability cover. The EFKA pension also protects your spouse: a survivor’s pension is about 70% of yours ({v} / month).":"Tá riosca margaidh ag baint le hinfheistiú príobháideach agus níl ráthaíocht saoil, íosmhéid pinsin náisiúnta ná clúdach míchumais aige. Cosnaíonn pinsean EFKA do chéile freisin: tá pinsean marthanóra thart ar 70% de do phinsean féin ({v} / mí).","Leave planner":"Pleanálaí saoire","Add the periods you plan to take off. Working days are counted automatically, skipping weekends and public holidays. Saved in this browser.":"Cuir isteach na tréimhsí a bhfuil sé beartaithe agat a ghlacadh saor. Comhairtear laethanta oibre go huathoibríoch, gan deireadh seachtaine ná laethanta saoire poiblí. Sábháilte sa bhrabhsálaí seo.","Days already taken this year":"Laethanta glactha cheana féin i mbliana","+ Add period":"+ Cuir tréimhse leis","From":"Ó","To":"Go","Working days":"Laethanta oibre","Remove":"Bain","{e} days entitled · {u} taken · {p} planned · {r} left":"{e} lá teidlíochta · {u} glactha · {p} beartaithe · {r} fágtha"," You are planning {n} days more than you have.":" Tá {n} lá níos mó beartaithe agat ná atá agat."," Includes a block of {b}+ days in a row, as the law requires.":" Tá bloc de {b}+ lá as a chéile ann, mar a éilíonn an dlí."," The law requires one block of at least {b} working days in a row; none is planned yet.":" Éilíonn an dlí bloc amháin de {b} lá oibre as a chéile ar a laghad; níl ceann beartaithe fós.","Your extra hours":"Do chuid uaireanta breise","Average hours per month.":"Meánuaireanta in aghaidh na míosa.","Extra hours, up to 45 / wk (+20%)":"Uaireanta breise, suas le 45 / seacht. (+20%)","Overtime above 45 / wk (+40%)":"Ragobair os cionn 45 / seacht. (+40%)","Night hours 22:00–06:00 (+25%)":"Uaireanta oíche 22:00–06:00 (+25%)","Sunday / holiday hours (+75%)":"Uaireanta Domhnaigh / lá saoire (+75%)","Night and Sunday hours are hours within your normal schedule that earn a premium; the percentages add up if both apply.":"Is uaireanta laistigh de do ghnáthsceideal iad uaireanta oíche agus Domhnaigh a thuilleann préimh; suimítear na céatadáin má bhaineann an dá cheann.","Extra net pay per month":"Glanphá breise in aghaidh na míosa","{g} gross extra · hourly rate {h}":"{g} comhlán breise · ráta in aghaidh na huaire {h}","Normal hourly rate":"Gnáthráta in aghaidh na huaire","gross (monthly × 6 ÷ 25 ÷ 40)":"comhlán (míosúil × 6 ÷ 25 ÷ 40)","Extra per year":"Breise in aghaidh na bliana","net · {g} gross":"glan · {g} comhlán","You keep":"Coinníonn tú","of each extra euro (marginal)":"de gach euro breise (imeallach)","Overtime used":"Ragobair úsáidte","of the 150-hour yearly limit":"den teorainn bhliantúil de 150 uair","Pay per hour by type":"Pá in aghaidh na huaire de réir cineáil","Monthly extra pay: gross vs net":"Pá breise míosúil: comhlán i gcoinne glan","Type":"Cineál","Rate":"Ráta","€ / h gross":"€ / u comhlán","€ / h net":"€ / u glan","Hours":"Uaireanta","Month gross":"Mí chomhlán","Month net":"Mí ghlan","Extra hours (υπερεργασία)":"Uaireanta breise (υπερεργασία)","Legal overtime":"Ragobair dhlíthiúil","Night premium":"Préimh oíche","Sunday / holiday premium":"Préimh Domhnaigh / lá saoire","Extra hours above {c} a month exceed the weekly limit of {w} hours and legally count as overtime (+40%).":"Sáraíonn uaireanta breise os cionn {c} in aghaidh na míosa an teorainn sheachtainiúil de {w} uair agus comhairtear go dlíthiúil iad mar ragobair (+40%).","{h} overtime hours a year exceed the 150-hour annual limit for legal overtime.":"Sáraíonn {h} uair ragoibre in aghaidh na bliana an teorainn bhliantúil de 150 uair do ragobair dhlíthiúil.","Rules (Law 4808/2021 and 4093/2012)":"Rialacha (Dlí 4808/2021 agus 4093/2012)","Employee vs freelancer":"Fostaí nó saoroibrí","The same budget paid to you as a salary, or invoiced as a freelancer (μπλοκάκι). The employee side uses the Salary tab; the freelancer side uses 2026 rules.":"An buiséad céanna íoctha leat mar thuarastal, nó sonrascaithe mar shaoroibrí (μπλοκάκι). Úsáideann taobh an fhostaí an cluaisín Tuarastal; úsáideann taobh an tsaoroibrí rialacha 2026.","Freelancer setup":"Socrú an tsaoroibrí","Yearly invoicing (€, before VAT)":"Sonrascadh bliantúil (€, roimh CBL)","Empty = what the employer pays for you in total today.":"Folamh = an méid a íocann an fostóir ar do shon san iomlán inniu.","EFKA class":"Aicme EFKA","Business expenses (%)":"Costais ghnó (%)","In my first 3 years of activity (no minimum taxable income)":"I mo chéad 3 bliana gníomhaíochta (gan íosioncam inchánach)","Minimum monthly wage used for the imputed income (€)":"Pá íosta míosúil a úsáidtear don ioncam toimhdeach (€)","Class {n}: {v} / month":"Aicme {n}: {v} / mí","Freelancer minus employee, net per year":"Saoroibrí lúide fostaí, glan in aghaidh na bliana","Freelancer {f} vs employee {e} on a budget of {b}":"Saoroibrí {f} i gcoinne fostaí {e} ar bhuiséad de {b}","Employee net / year":"Glan an fhostaí / bliain","Freelancer net / year":"Glan an tsaoroibrí / bliain","{p} of employer cost":"{p} de chostas an fhostóra","{p} of invoicing":"{p} den sonrascadh","Invoicing to match":"Sonrascadh le comhoiriúnú","per year, to equal your employee net":"in aghaidh na bliana, le do ghlan mar fhostaí a mheaitseáil","Day rate to match":"Ráta lae le comhoiriúnú","at 220 billable days a year":"ag 220 lá inbhillí in aghaidh na bliana","Where the money goes":"Cá dtéann an t-airgead","Side by side":"Taobh le taobh","Employee":"Fostaí","Freelancer":"Saoroibrí","Budget / invoicing":"Buiséad / sonrascadh","Business expenses":"Costais ghnó","EFKA (yours)":"EFKA (do chuid)","EFKA (employer)":"EFKA (fostóir)","Net per month (÷12)":"Glan in aghaidh na míosa (÷12)","Paid leave, bonuses, severance, unemployment cover":"Saoire íoctha, bónais, iomarcaíocht, clúdach dífhostaíochta","Yes":"Tá","No":"Níl","minimum imputed income applied":"íosioncam toimhdeach curtha i bhfeidhm","Freelancers pay a fixed EFKA class (2026 amounts estimated), get no tax credit, and since 2024 are taxed on at least an imputed income based on the minimum wage unless in their first 3 years. The 2025 abolition of the business levy (τέλος επιτηδεύματος) is included. 20% withholding on invoices and the tax prepayment affect cash flow, not the final tax. VAT is passed through.":"Íocann saoroibrithe aicme sheasta EFKA (méideanna 2026 measta), ní fhaigheann siad creidmheas cánach, agus ó 2024 gearrtar cáin orthu ar ioncam toimhdeach bunaithe ar an bpá íosta ar a laghad ach amháin ina gcéad 3 bliana. Tá deireadh a chur leis an tobhach gnó (τέλος επιτηδεύματος) in 2025 san áireamh. Bíonn tionchar ag coinneáil 20% ar shonraisc agus ag réamhíocaíocht cánach ar shreabhadh airgid, ní ar an gcáin dheiridh. Ritear CBL ar aghaidh.","Compare two job offers":"Cuir dhá thairiscint poist i gcomparáid","Net pay plus the benefits that matter in Greece: meal vouchers, group health insurance, other perks, commuting cost and extra leave. Empty gross for Offer A uses your current salary.":"Glanphá móide na sochair a bhfuil tábhacht leo sa Ghréig: dearbháin bhia, árachas sláinte grúpa, sochair eile, costas comaitéireachta agus laethanta saoire breise. Úsáideann comhlán folamh do Thairiscint A do thuarastal reatha.","Offer":"Tairiscint","Name":"Ainm","Gross / month":"Comhlán / mí","Bonus / year":"Bónas / bliain","Meal card / month":"Cárta bia / mí","Health insurance / year":"Árachas sláinte / bliain","Other perks / year":"Sochair eile / bliain","Commuting cost / month":"Costas comaitéireachta / mí","Extra leave days":"Laethanta saoire breise","Result":"Toradh","Net pay / year":"Glanphá / bliain","Meal card + insurance + perks":"Cárta bia + árachas + sochair","Value of extra leave":"Luach na saoire breise","Commuting":"Comaitéireacht","Total value / year":"Luach iomlán / bliain","Per month (÷12)":"In aghaidh na míosa (÷12)","{n} is worth {v} more per year ({p}).":"Is fiú {n} {v} níos mó in aghaidh na bliana ({p}).","The two offers are worth the same.":"Is fiú an dá thairiscint an méid céanna.","Your job ending":"Deireadh do phoist","How the job ends":"Conas a chríochnaíonn an post","Dismissal without notice":"Dífhostú gan fógra","Dismissal with written notice":"Dífhostú le fógra i scríbhinn","I resign":"Éirím as","I leave to retire":"Fágaim le dul ar scor","Hire date":"Dáta fostaithe","Last day of work":"An lá oibre deireanach","Unused leave days":"Laethanta saoire nár glacadh","Dependants":"Cleithiúnaithe","Monthly unemployment benefit, base (€)":"Sochar dífhostaíochta míosúil, bonn (€)","Net amount on leaving · {d}":"Glanmhéid ar imeacht · {d}","{y} years of service · pay basis {b} / month":"{y} bliain seirbhíse · bonn pá {b} / mí","Severance":"Iomarcaíocht","{m} months × {b}, tax-free up to €60k":"{m} mí × {b}, saor ó cháin suas le €60k","no severance":"gan íocaíocht iomarcaíochta","Notice period":"Tréimhse fógra","written notice by {d}":"fógra i scríbhinn faoi {d}","not applicable":"ní bhaineann sé le hábhar","Final pay items":"Míreanna pá deiridh","bonuses, leave pay & allowance, net":"bónais, pá saoire agus liúntas, glan","Unemployment benefit":"Sochar dífhostaíochta","{m} / month for {n} months":"{m} / mí ar feadh {n} mí","only after a dismissal":"tar éis dífhostú amháin","What you receive":"An méid a fhaigheann tú","Severance scale (Law 4093/2012)":"Scála iomarcaíochta (Dlí 4093/2012)","Item":"Mír","Severance ({m} months)":"Iomarcaíocht ({m} mí)","Extra for service before 12/11/2012 ({m} months)":"Breis do sheirbhís roimh 12/11/2012 ({m} mí)","Share paid: {p}":"Sciar íoctha: {p}","Christmas bonus, pro rata":"Bónas Nollag, pro rata","Easter bonus, pro rata":"Bónas Cásca, pro rata","Unused leave pay ({d} days)":"Pá saoire nár glacadh ({d} lá)","Leave allowance":"Liúntas saoire","Total":"Iomlán","Without notice":"Gan fógra","Notice":"Fógra","With notice":"Le fógra","{n} mo":"{n} m","{a}–{b} years":"{a}–{b} bliain","{a} years":"{a} bliain","{a}+ years":"{a}+ bliain","Under 1 year (probation)":"Faoi bhliain (promhadh)","Rules applied":"Rialacha curtha i bhfeidhm","Estimates under Law 4093/2012, Law 4808/2021 and Law 2112/1920 for private-sector employees with an indefinite contract. Fixed-term contracts, collective agreements, abusive or invalid dismissals and special categories are not covered. Unemployment benefit amounts and rules change; check ΔΥΠΑ (dypa.gov.gr). For a dismissal, speak to a labour lawyer or ΣΕΠΕ early: deadlines are short.":"Meastacháin faoi Dhlí 4093/2012, Dlí 4808/2021 agus Dlí 2112/1920 d’fhostaithe san earnáil phríobháideach ar chonradh éiginnte. Ní chlúdaítear conarthaí téarma seasta, comhaontuithe comhchoiteanna, dífhostuithe mí-úsáideacha nó neamhbhailí ná catagóirí speisialta. Athraíonn méideanna agus rialacha an tsochair dífhostaíochta; seiceáil le ΔΥΠΑ (dypa.gov.gr). I gcás dífhostaithe, labhair go luath le dlíodóir fostaíochta nó le ΣΕΠΕ: tá na spriocdhátaí gearr.","Hourly rate":"Ráta in aghaidh na huaire","Night, Sunday, holiday":"Oíche, Domhnach, lá saoire","Severance scale":"Scála iomarcaíochta","Pay basis":"Bonn pá","With written notice":"Le fógra i scríbhinn","Service before 12/11/2012":"Seirbhís roimh 12/11/2012","Resignation and retirement":"Éirí as agus scor","Tax and EFKA":"Cáin agus EFKA","Deadlines":"Spriocdhátaí","Unemployment benefit (ΔΥΠΑ)":"Sochar dífhostaíochta (ΔΥΠΑ)","Private pension":"Pinsean príobháideach","Group pension plan":"Plean pinsin grúpa","Your contribution is deducted from taxable salary (Law 5078/2023), up to 20% of gross together with the employer’s. Amounts in today’s rules.":"Asbhaintear do ranníocaíocht ón tuarastal inchánach (Dlí 5078/2023), suas le 20% den chomhlán in éineacht le ranníocaíocht an fhostóra. Méideanna de réir rialacha an lae inniu.","My contribution as":"Mo ranníocaíocht mar","% of gross":"% den chomhlán","€ per salary":"€ in aghaidh an tuarastail","My contribution":"Mo ranníocaíocht","My contribution (% of gross)":"Mo ranníocaíocht (% den chomhlán)","My contribution (€ per salary)":"Mo ranníocaíocht (€ in aghaidh an tuarastail)","Employer contribution (% of gross)":"Ranníocaíocht an fhostóra (% den chomhlán)","From salary (% of gross)":"Ón tuarastal (% den chomhlán)","From salary (€ per payment)":"Ón tuarastal (€ in aghaidh na híocaíochta)","Bonus / year (% of annual salary)":"Bónas / bliain (% den tuarastal bliantúil)","From bonus (% of bonus)":"Ón mbónas (% den bhónas)","Annual salary {s} + bonus {b} = {t}. 20% limit: {l} / year, you use {u}.":"Tuarastal bliantúil {s} + bónas {b} = {t}. Teorainn 20%: {l} / bliain, úsáideann tú {u}."," Room left: {r} a year, so the From salary box can go up to {p} (it is a % of salary only, without the bonus).":" Spás fágtha: {r} in aghaidh na bliana, mar sin is féidir leis an mbosca Ón tuarastal dul suas go {p} (is % den tuarastal amháin é, gan an bónas)."," Over the limit by {r} a year: that part gets no tax deduction.":" Os cionn na teorann faoi {r} in aghaidh na bliana: ní fhaigheann an chuid sin aon asbhaint cánach.","{v} per payment":"{v} in aghaidh na híocaíochta","Employer contribution":"Ranníocaíocht an fhostóra","Plan return in year 1":"Toradh an phlean sa chéad bhliain","What you earn this year from the plan":"An méid a thuilleann tú i mbliana ón bplean","tax saved + employer contribution + return":"cáin coigilte + ranníocaíocht an fhostóra + toradh","{a} of what you put in · {b} of your real cost":"{a} den mhéid a chuireann tú isteach · {b} de do chostas fíor","Total received / year (take-home + plan)":"Iomlán faighte / bliain (glan + plean)","Bonus / year (gross)":"Bónas / bliain (comhlán)","Plan contribution from salary":"Ranníocaíocht plean ón tuarastal","Plan contribution from bonus":"Ranníocaíocht plean ón mbónas","Bonus received, net":"Bónas faighte, glan","Plan return per year (%)":"Toradh an phlean in aghaidh na bliana (%)","Years contributing":"Blianta ag ranníoc","Yearly raise (%)":"Ardú bliantúil (%)","Balance already in plan (€)":"Iarmhéid sa phlean cheana féin (€)","Payout":"Íocaíocht amach","Lump sum":"Cnapshuim","Monthly pension":"Pinsean míosúil","Paid monthly over (years)":"Íoctha go míosúil thar (blianta)","I withdraw early by choice, before 60 or retirement (+50% tax)":"Tarraingím siar go luath de rogha, roimh 60 nó an scor (+50% cánach)","Net per month with the plan":"Glan in aghaidh na míosa leis an bplean","{d} less than without it ({w}) · lower tax covers {p} of your contribution":"{d} níos lú ná gan é ({w}) · clúdaíonn cáin níos ísle {p} de do ranníocaíocht","Income tax saved / year":"Cáin ioncaim coigilte / bliain","{p} of what you put in":"{p} den mhéid a chuireann tú isteach","Real cost of each €1":"Fíorchostas gach €1","out of your take-home pay":"as do ghlanphá","Balance after {n} years":"Iarmhéid tar éis {n} bliain","you {a} · employer {b} · return {c}":"tusa {a} · fostóir {b} · toradh {c}","Net at payout":"Glan ag íocaíocht amach","lump sum after {r} tax":"cnapshuim tar éis {r} cánach","per month for {n} years, after {r} tax":"in aghaidh na míosa ar feadh {n} bliain, tar éis {r} cánach","Together you put in {c} a year, above the 20% limit of {l}. The excess {x} is taxed as salary.":"Le chéile cuireann sibh {c} isteach in aghaidh na bliana, os cionn na teorann 20% de {l}. Gearrtar cáin ar an mbreis {x} mar thuarastal.","This year: salary without and with the plan":"I mbliana: tuarastal gan agus leis an bplean","Without plan":"Gan plean","With plan":"Le plean","Gross / year":"Comhlán / bliain","Your plan contribution":"Do ranníocaíocht plean","Take-home / year":"Pá abhaile / bliain","Take-home / regular month":"Pá abhaile / gnáthmhí","Going into the plan / year":"Isteach sa phlean / bliain","EFKA is still paid on your full gross; only income tax goes down. Your saving is roughly your top tax rate on every euro you contribute.":"Íoctar EFKA fós ar do chomhlán iomlán; ní théann ach an cháin ioncaim síos. Is é do choigilt thart ar do ráta cánach is airde ar gach euro a ranníocann tú.","What you gain in year 1":"An méid a ghnóthaíonn tú sa chéad bhliain","Into the plan (you + employer)":"Isteach sa phlean (tusa + fostóir)","Cost to your take-home pay":"Costas do do phá abhaile","Return in year 1 ({r})":"Toradh sa chéad bhliain ({r})","Balance after 1 year":"Iarmhéid tar éis bliana","If withdrawn after 1 year, net ({r} tax)":"Má tharraingítear siar tar éis bliana, glan ({r} cánach)","Gain vs taking it as salary":"Gnóthachan i gcomparáid lena ghlacadh mar thuarastal","Every €1 out of your pocket puts {v} into the plan. Most of the gain is the tax you don’t pay now; the return adds to it over time.":"Cuireann gach €1 as do phóca {v} isteach sa phlean. Is é an cháin nach n-íocann tú anois formhór an ghnóthachain; cuireann an toradh leis le himeacht ama.","Plan balance year by year ({n} years)":"Iarmhéid an phlean bliain ar bhliain ({n} bliain)","Employer contributions":"Ranníocaíochtaí an fhostóra","Investment return":"Toradh infheistíochta","Starting balance":"Iarmhéid tosaigh","Saving the same take-home yourself":"An pá abhaile céanna a choigilt tú féin","Plan vs saving it yourself":"Plean i gcoinne coigilt tú féin","Plan balance":"Iarmhéid an phlean","Tax at payout ({r})":"Cáin ag íocaíocht amach ({r})","Plan, net to you":"Plean, glan duitse","Saving yourself, net":"Coigilt tú féin, glan","Advantage of the plan":"Buntáiste an phlean","Total that left your take-home pay":"Iomlán a d’fhág do phá abhaile","\"Saving yourself\" means taking the money as salary (paying full income tax) and investing the smaller amount at the same return, with 15% tax on the interest. The employer contribution exists only inside the plan.":"Ciallaíonn \"coigilt tú féin\" an t-airgead a ghlacadh mar thuarastal (ag íoc cáin ioncaim iomlán) agus an méid níos lú a infheistiú ag an toradh céanna, le 15% cánach ar an ús. Ní bhíonn ranníocaíocht an fhostóra ann ach laistigh den phlean.","Payout tax by years in the plan (Law 5078/2023)":"Cáin ar íocaíocht amach de réir blianta sa phlean (Dlí 5078/2023)","Years in plan":"Blianta sa phlean","Monthly":"Míosúil","Early, by choice":"Luath, de rogha","Tax is withheld by the insurer and is final. The +50% for early surrender does not apply after age 60 or pension age, on dismissal, employer bankruptcy, or a voluntary-exit scheme. Amounts built up before 2024 keep the old rules (10% up to €40,000, 20% above, for lump sums).":"Coinníonn an t-árachóir an cháin siar agus is críochnaitheach í. Ní bhaineann an +50% do ghéilleadh luath tar éis aois 60 nó aois pinsin, i gcás dífhostaithe, féimheachta an fhostóra nó scéim imeachta dheonaigh. Coinníonn méideanna a bailíodh roimh 2024 na seanrialacha (10% suas le €40,000, 20% os a chionn, do chnapshuimeanna).","Year by year":"Bliain ar bhliain","You":"Tusa","Return":"Toradh","Balance":"Iarmhéid","Tax if paid out":"Cáin má íoctar amach","Net if paid out":"Glan má íoctar amach","Saving yourself":"Coigilt tú féin","Based on Law 5078/2023 (articles 106–107, amending articles 14–15 of Law 4172/2013) and circular Ε.2060/2024, for contributions from 1/1/2024. The plan return is your assumption, after fees; real returns vary and are not guaranteed. EFKA is assumed to apply to your full gross. Check your plan’s rules (vesting, fees, guaranteed rate) with HR or the insurer.":"Bunaithe ar Dhlí 5078/2023 (ailt 106–107, a leasaíonn ailt 14–15 de Dhlí 4172/2013) agus imlitir Ε.2060/2024, do ranníocaíochtaí ó 1/1/2024. Is toimhde uait toradh an phlean, tar éis táillí; athraíonn torthaí iarbhír agus níl siad ráthaithe. Glactar leis go mbaineann EFKA le do chomhlán iomlán. Seiceáil rialacha do phlean (dílsiú, táillí, ráta ráthaithe) le AD nó leis an árachóir.","Yr ":"Bl","Balance: ":"Iarmhéid:","Greece":"An Ghréig","Germany":"An Ghearmáin","Italy":"An Iodáil","Spain":"An Spáinn","United Kingdom":"An Ríocht Aontaithe","Country":"Tír","Compare countries":"Cuir tíortha i gcomparáid","How it is calculated":"Conas a ríomhtar é","Rules applied (2026)":"Rialacha curtha i bhfeidhm (2026)","Pension by claim age":"Pinsean de réir aois éilimh","Gross monthly pension by claim age":"Pinsean comhlán míosúil de réir aois éilimh","Workplace pension":"Pinsean ceirde","Plan balance year by year":"Iarmhéid an phlean bliain ar bhliain","Tax treatment":"Cóireáil chánach","Annual leave rules":"Rialacha saoire bliantúla","Scale and notice":"Scála agus fógra","Same salary, every country":"An tuarastal céanna, gach tír","Compare":"Cuir i gcomparáid","Accuracy":"Cruinneas","Rent & bills":"Cíos agus billí","Show money as":"Taispeáin airgead mar","Nominal EUR":"EUR ainmniúla","Purchasing power":"Cumhacht ceannaigh","Every scenario":"Gach cás","Annual pay split by country (EUR)":"Pá bliantúil roinnte de réir tíre (EUR)","Pension insurance 9.3%":"Árachas pinsin 9.3%","Unemployment 1.3%":"Dífhostaíocht 1.3%","Health 7.3% + 1.45% extra":"Sláinte 7.3% + 1.45% breise","Income tax (Lohnsteuer)":"Cáin ioncaim (Lohnsteuer)","Solidarity surcharge":"Forchán dlúthpháirtíochta","Church tax":"Cáin eaglaise","Kindergeld (paid separately)":"Kindergeld (íoctha ar leithligh)","IRPEF gross (23/33/43%)":"IRPEF comhlán (23/33/43%)","Work deduction":"Asbhaint oibre","Regional surcharge":"Forchán réigiúnach","Municipal surcharge":"Forchán bardasach","Tax-wedge bonus (tax-free)":"Bónas an dinge cánach (saor ó cháin)","TFR set aside by employer (paid on leaving)":"TFR curtha i leataobh ag an bhfostóir (íoctha ar imeacht)","Social security 6.50%":"Slándáil shóisialta 6.50%","Solidarity contribution":"Ranníocaíocht dlúthpháirtíochta","Beckham law: flat 24%":"Dlí Beckham: 24% cothrom","Work-income reduction":"Laghdú ar ioncam oibre","IRPF (state + regional)":"IRPF (stáit + réigiúnach)","Income tax 20% / 40% / 45%":"Cáin ioncaim 20% / 40% / 45%","Bonus % of annual salary":"Bónas % den tuarastal bliantúil","Tax class":"Aicme chánach","I · single":"I · singil","II · single parent":"II · aontuismitheoir","III · married, sole earner":"III · pósta, aon tuillteoir","None":"Dada","Regional surcharge %":"Forchán réigiúnach %","Municipal surcharge %":"Forchán bardasach %","Employer INPS %":"INPS an fhostóra %","Region (IRPF scale)":"Réigiún (scála IRPF)","General scale":"Scála ginearálta","Catalonia":"An Chatalóin","Single parent (full child allowance)":"Aontuismitheoir (liúntas leanaí iomlán)","New resident: Beckham law (flat 24% for 6 years)":"Cónaitheoir nua: dlí Beckham (24% cothrom ar feadh 6 bliana)","New resident: impatriati regime (50% of pay exempt, 60% with a child, 5 years)":"Cónaitheoir nua: córas impatriati (50% den phá díolmhaithe, 60% le leanbh, 5 bliana)","Overtime hours / month":"Uaireanta ragoibre / mí","Overtime premium %":"Préimh ragoibre %","Night hours / month":"Uaireanta oíche / mí","Night premium %":"Préimh oíche %","Sunday / holiday hours":"Uaireanta Domhnaigh / lá saoire","Sunday premium %":"Préimh Domhnaigh %","Contract hours / week":"Uaireanta conartha / seachtain","Yearly invoicing":"Sonrascadh bliantúil","Business expenses %":"Costais ghnó %","Own pension saving % of profit":"Coigilt phinsin féin % den bhrabús","Profitability coefficient %":"Comhéifeacht brabúsachta %","First 5 years: 5% flat tax":"An chéad 5 bliana: cáin chothrom 5%","Avg gross / month so far":"Meánchomhlán / mí go dtí seo","Gross / month from now":"Comhlán / mí as seo amach","Claim pension at age":"Éiligh pinsean ag aois","Real revaluation of contributions %":"Athluacháil réadach ranníocaíochtaí %","Employer contribution %":"Ranníocaíocht an fhostóra %","Bonus / year (% of salary)":"Bónas / bliain (% den tuarastal)","Plan return / year %":"Toradh an phlean / bliain %","Yearly raise %":"Ardú bliantúil %","Tax & charges on payout %":"Cáin agus muirir ar íocaíocht amach %","Send my TFR to the fund":"Seol mo TFR chuig an gciste","Employer passes on its NI saving %":"Tugann an fostóir a choigilt NI ar aghaidh %","Leave days in my contract":"Laethanta saoire i mo chonradh","Youngest child age":"Aois an linbh is óige","Single parent":"Aontuismitheoir","Dismissal by employer (with settlement)":"Dífhostú ag an bhfostóir (le socrú)","Dismissal, justified":"Dífhostú, údaraithe","Dismissal ruled unfair (Jobs Act)":"Dífhostú a rialaíodh éagórach (Jobs Act)","Unfair dismissal (improcedente)":"Dífhostú éagórach (improcedente)","Objective dismissal (20 days)":"Dífhostú oibiachtúil (20 lá)","End of temporary contract":"Deireadh conartha shealadaigh","Redundancy":"Iomarcaíocht","Dismissal (not redundancy)":"Dífhostú (ní iomarcaíocht)","Last day":"An lá deireanach","Settlement: months per year":"Socrú: míonna in aghaidh na bliana","Notice paid in lieu (months)":"Fógra íoctha ina ionad (míonna)","Gross / year (EUR)":"Comhlán / bliain (EUR)","Adults in household":"Daoine fásta sa teaghlach","Include utilities (electricity, heating, water)":"Cuir fóntais san áireamh (leictreachas, téamh, uisce)","I am moving there: apply new-resident tax regimes (Greece 5C, Italy impatriati, Spain Beckham)":"Táim ag bogadh ann: cuir córais do chónaitheoirí nua i bhfeidhm (an Ghréig 5C, an Iodáil impatriati, an Spáinn Beckham)","Past avg pay, % of today":"Meánphá roimhe seo, % den lá inniu","At each country’s earliest full-pension age":"Ag aois pinsin iomláin is luaithe gach tíre","At the same age everywhere":"Ag an aois chéanna i ngach áit","Same claim age":"An aois éilimh chéanna","Years of service":"Blianta seirbhíse","Countries shown":"Tíortha taispeánta","All countries":"Gach tír","Greece, Germany, Italy, Spain, UK, France":"An Ghréig, an Ghearmáin, an Iodáil, an Spáinn, an RA, an Fhrainc","§32a EStG 2026: basic allowance €12,348, rates rising from 14% to 42%, 45% above €277,826. Solidarity surcharge (5.5%) only when income tax exceeds €20,350.":"§32a EStG 2026: liúntas bunúsach €12,348, rátaí ag ardú ó 14% go 42%, 45% os cionn €277,826. Forchán dlúthpháirtíochta (5.5%) ach amháin nuair a sháraíonn cáin ioncaim €20,350.","Social insurance":"Árachas sóisialta","Employee: pension 9.3% and unemployment 1.3% up to €8,450/month; health 7.3% + half the average 2.9% extra rate, care 1.8% (+0.6% childless from 23, −0.25% per child from the 2nd) up to €5,812.50/month. Employer pays about the same plus ~1.6% levies.":"Fostaí: pinsean 9.3% agus dífhostaíocht 1.3% suas le €8,450/mí; sláinte 7.3% + leath an mheánráta bhreise 2.9%, cúram fadtéarmach 1.8% (+0.6% gan leanaí ó 23, −0.25% in aghaidh an linbh ón dara ceann) suas le €5,812.50/mí. Íocann an fostóir thart ar an méid céanna móide ~1.6% tobhach.","Tax classes and family":"Aicmí cánach agus teaghlach","Class I single, II single parent (relief €4,260), III married with a low-earning partner (splitting). Kindergeld €259 per child per month is paid separately. Church tax 8% (BY, BW) or 9%.":"Aicme I singil, II aontuismitheoir (faoiseamh €4,260), III pósta le páirtí íseal-tuillimh (scoilteadh). Íoctar Kindergeld €259 in aghaidh an linbh in aghaidh na míosa ar leithligh. Cáin eaglaise 8% (BY, BW) nó 9%.","23% up to €28,000, 33% up to €50,000 (cut from 35% by the 2026 Budget Law), 43% above. Work deduction up to €1,955, zero at €50,000.":"23% suas le €28,000, 33% suas le €50,000 (gearrtha ó 35% le Dlí Buiséid 2026), 43% os a chionn. Asbhaint oibre suas le €1,955, nialas ag €50,000.","Tax-wedge cut":"Gearradh ar an dinge cánach","Tax-free bonus of 7.1% / 5.3% / 4.8% of income up to €8,500 / €15,000 / €20,000; extra €1,000 deduction from €20,000 to €32,000, tapering to zero at €40,000.":"Bónas saor ó cháin de 7.1% / 5.3% / 4.8% den ioncam suas le €8,500 / €15,000 / €20,000; asbhaint bhreise €1,000 ó €20,000 go €32,000, ag laghdú go nialas ag €40,000.","INPS and TFR":"INPS agus TFR","Employee 9.19% (+1% above €56,224); employer about 30%. The employer also sets aside TFR (pay ÷ 13.5 each year), paid when you leave. Regional (1.23–3.33%) and municipal (0–0.9%) surcharges: enter yours.":"Fostaí 9.19% (+1% os cionn €56,224); fostóir thart ar 30%. Cuireann an fostóir TFR i leataobh freisin (pá ÷ 13.5 gach bliain), íoctha nuair a fhágann tú. Forchánacha réigiúnacha (1.23–3.33%) agus bardasacha (0–0.9%): cuir isteach do chuid féin.","State + regional scale (general reference): 19%, 24%, 30%, 37%, 45%, 47%; regions vary slightly. Personal allowance €5,550; children €2,400 / €2,700 / €4,000 / €4,500, split between parents.":"Scála stáit + réigiúnach (tagairt ghinearálta): 19%, 24%, 30%, 37%, 45%, 47%; athraíonn réigiúin beagán. Liúntas pearsanta €5,550; leanaí €2,400 / €2,700 / €4,000 / €4,500, roinnte idir tuismitheoirí.","Work-income relief":"Faoiseamh ar ioncam oibre","€2,000 general deduction, plus a reduction of up to €7,302 for net work income up to €14,852, phasing out by €19,747.50.":"Asbhaint ghinearálta €2,000, móide laghdú suas le €7,302 do ghlanioncam oibre suas le €14,852, ag imeacht faoi €19,747.50.","Social security":"Slándáil shóisialta","Employee 6.50% (4.70% common, 1.55% unemployment, 0.10% training, 0.15% MEI) up to €5,101.20/month, plus a small solidarity contribution above it. Employer about 32%. Usually 14 payments.":"Fostaí 6.50% (4.70% coitianta, 1.55% dífhostaíocht, 0.10% oiliúint, 0.15% MEI) suas le €5,101.20/mí, móide ranníocaíocht dlúthpháirtíochta bheag os a chionn. Fostóir thart ar 32%. De ghnáth 14 íocaíocht.","England, Wales, Northern Ireland 2026/27: personal allowance £12,570 (lost £1 per £2 above £100,000), 20% to £50,270, 40% to £125,140, 45% above. Scotland has its own bands.":"Sasana, an Bhreatain Bheag, Tuaisceart Éireann 2026/27: liúntas pearsanta £12,570 (caillte £1 in aghaidh gach £2 os cionn £100,000), 20% go £50,270, 40% go £125,140, 45% os a chionn. Tá a bandaí féin ag Albain.","Employee 8% between £12,570 and £50,270, 2% above. Employer 15% above £5,000 a year.":"Fostaí 8% idir £12,570 agus £50,270, 2% os a chionn. Fostóir 15% os cionn £5,000 in aghaidh na bliana.","Not included":"Gan áireamh","Student loan repayments, workplace pension (see Private pension) and benefits in kind. Amounts in pounds sterling.":"Aisíocaíochtaí iasachtaí mac léinn, pinsean ceirde (féach Pinsean príobháideach) agus sochair chomhchineáil. Méideanna i bpunt steirling.","payments a year":"íocaíocht in aghaidh na bliana","gross / month":"comhlán / mí","of gross":"den chomhlán","of each extra 1 gross":"de gach 1 comhlán breise","Social sec.":"Slán. sóis.","Your social security":"Do shlándáil shóisialta","Employer social security":"Slándáil shóisialta an fhostóra","No legal premium":"Gan préimh dhlíthiúil","German law sets no overtime premium; it comes from your contract or collective agreement (often 25%). Working time max 10 h/day, 48 h/week on average.":"Ní leagann dlí na Gearmáine préimh ragoibre síos; tagann sé ó do chonradh nó ó chomhaontú comhchoiteann (25% go minic). Am oibre uas. 10 u/lá, 48 u/seachtain ar an meán.","Tax-free supplements":"Forlíontaí saor ó cháin","Night (up to 25%, 40% from 0–4h), Sunday (up to 50%) and holiday (up to 125%) supplements are free of tax (§3b EStG) and social insurance on hourly pay up to €25. This calculator treats night and Sunday premiums as tax-free.":"Tá forlíontaí oíche (suas le 25%, 40% ó 0–4 u), Domhnaigh (suas le 50%) agus laethanta saoire (suas le 125%) saor ó cháin (§3b EStG) agus ó árachas sóisialta ar phá in aghaidh na huaire suas le €25. Caitheann an t-áireamhán seo le préimheanna oíche agus Domhnaigh mar shaor ó cháin.","Set by your CCNL":"Socraithe ag do CCNL","Overtime premiums come from the national collective agreement, typically 15–30% (night and holiday more). Max 250 overtime hours a year unless the CCNL says otherwise; 48 h/week on average.":"Tagann préimheanna ragoibre ón gcomhaontú comhchoiteann náisiúnta, 15–30% de ghnáth (níos mó oíche agus laethanta saoire). Uas. 250 uair ragoibre in aghaidh na bliana mura ndeir an CCNL a mhalairt; 48 u/seachtain ar an meán.","Overtime is taxed and insured like normal pay, at your marginal IRPEF rate.":"Gearrtar cáin agus árachas ar ragobair mar ghnáthphá, ag do ráta imeallach IRPEF.","At least normal pay":"Gnáthphá ar a laghad","Overtime must be paid at no less than the ordinary hourly rate (premium set by agreement) or compensated with time off within 4 months. Max 80 overtime hours a year.":"Ní mór ragobair a íoc ag an ngnáthráta in aghaidh na huaire ar a laghad (préimh de réir comhaontaithe) nó é a chúiteamh le ham saor laistigh de 4 mhí. Uas. 80 uair ragoibre in aghaidh na bliana.","Tax and contributions":"Cáin agus ranníocaíochtaí","Taxed at your IRPEF rate; structural overtime carries an extra employee contribution of 2% (4.7% for non-structural).":"Gearrtar cáin ag do ráta IRPF; tá ranníocaíocht bhreise fostaí de 2% ar ragobair struchtúrach (4.7% do neamhstruchtúrach).","There is no statutory overtime rate; time-and-a-half is common by contract. Average pay must not fall below the National Living Wage (£12.71/h from April 2026). Working week max 48 h on average unless you opt out.":"Níl aon ráta reachtúil ragoibre ann; is coitianta go dtugann conarthaí 1.5 oiread. Ní féidir le meánphá titim faoin National Living Wage (£12.71/u ó Aibreán 2026). Seachtain oibre uas. 48 u ar an meán mura roghnaíonn tú amach.","Overtime is taxed and subject to National Insurance like normal pay.":"Gearrtar cáin agus Árachas Náisiúnta ar ragobair mar ghnáthphá.","Overtime":"Ragobair","gross extra":"comhlán breise","hourly rate":"ráta in aghaidh na huaire","annual salary ÷ 52 ÷ weekly hours":"tuarastal bliantúil ÷ 52 ÷ uaireanta seachtainiúla","net · ":"glan ·"," gross":" comhlán","of each taxed extra unit":"de gach aonad breise cánach","10 h / day":"10 u / lá","250 h / year":"250 u / bliain","80 h / year":"80 u / bliain","48 h / week avg":"48 u / seachtain meán","Legal limit":"Teorainn dhlíthiúil","you exceed it":"sáraíonn tú í","More than 80 overtime hours a year exceeds the legal limit in Spain.":"Sáraíonn níos mó ná 80 uair ragoibre in aghaidh na bliana an teorainn dhlíthiúil sa Spáinn.","tax-free":"saor ó cháin","Health & care insurance + own pension":"Árachas sláinte agus cúraim + pinsean féin","Self-employed quota (RETA)":"Cuóta féinfhostaithe (RETA)","Freiberufler":"Freiberufler","Income tax on profit with the same tariff, no employee tax allowances. Statutory health (14.6% + 2.9% extra) and care insurance on profit (minimum base €1,248.33/month), paid fully by you. No compulsory pension for most freelancers: save privately. Trade tax only for commercial (Gewerbe) activity.":"Cáin ioncaim ar bhrabús leis an taraif chéanna, gan liúntais fostaí. Árachas sláinte reachtúil (14.6% + 2.9% breise) agus árachas cúraim ar bhrabús (íosbhonn €1,248.33/mí), íoctha go hiomlán agatsa. Gan pinsean éigeantach don chuid is mó de shaoroibrithe: coigil go príobháideach. Cáin trádála do ghníomhaíocht tráchtála (Gewerbe) amháin.","Revenue up to €85,000: taxable income = revenue × profitability coefficient (78% for professionals); INPS Gestione Separata 26.07% on it; flat substitute tax 15% (5% in the first 5 years) after deducting INPS. Real expenses are not deductible. No VAT charged.":"Láimhdeachas suas le €85,000: ioncam inchánach = láimhdeachas × comhéifeacht brabúsachta (78% do ghairmithe); INPS Gestione Separata 26.07% air; cáin ionaid chothrom 15% (5% sa chéad 5 bliana) tar éis INPS a asbhaint. Ní féidir fíorchostais a asbhaint. Gan CBL.","Monthly RETA quota by real net yield: from €200 (up to €670/month) to €590 (above €6,000/month), 2025 table, 2026 slightly higher. IRPF on profit with the same scale, 5% hard-to-justify expenses (max €2,000), no work-income reduction.":"Cuóta míosúil RETA de réir glantorthaí iarbhír: ó €200 (suas le €670/mí) go €590 (os cionn €6,000/mí), tábla 2025, 2026 beagán níos airde. IRPF ar bhrabús leis an scála céanna, 5% costais atá deacair a chruthú (uas. €2,000), gan laghdú ioncaim oibre.","Sole trader":"Trádálaí aonair","Income tax on profit with the same bands; Class 4 National Insurance 6% between £12,570 and £50,270, 2% above (Class 2 abolished from April 2024). No employer NI, holiday pay or redundancy.":"Cáin ioncaim ar bhrabús leis na bandaí céanna; Árachas Náisiúnta Aicme 4 de 6% idir £12,570 agus £50,270, 2% os a chionn (Aicme 2 curtha ar ceal ó Aibreán 2024). Gan NI fostóra, pá saoire ná iomarcaíocht."," of employer cost":" de chostas an fhostóra"," of invoicing":" den sonrascadh","Paid leave, sick pay, severance, unemployment cover":"Saoire íoctha, pá breoiteachta, iomarcaíocht, clúdach dífhostaíochta","Above €85,000 the forfettario regime no longer applies.":"Os cionn €85,000 ní bhaineann an córas forfettario a thuilleadh.","Expenses":"Costais","Pension points":"Pointí pinsin","Each year earns your gross ÷ average pay (€51,944 in 2026), capped at €101,400. Monthly pension = points × €42.52 (pension value from July 2026, +4.24%).":"Tuilleann gach bliain do chomhlán ÷ meánphá (€51,944 in 2026), teorainn €101,400. Pinsean míosúil = pointí × €42.52 (luach pinsin ó Iúil 2026, +4.24%).","Ages":"Aoiseanna","Regular age 67 (born 1964+), minimum 5 years. From 63 with 35 years: −0.3% per month early (max 14.4%). With 45 years: no cut from 65. Working past 67 adds 0.5% per month.":"Gnáthaois 67 (rugadh 1964+), íosmhéid 5 bliana. Ó 63 le 35 bliain: −0.3% in aghaidh na míosa luath (uas. 14.4%). Le 45 bliain: gan gearradh ó 65. Cuireann obair tar éis 67 0.5% in aghaidh na míosa leis.","Deductions":"Asbhaintí","Pensioners pay health (7.3% + half the extra rate) and full care insurance; the taxable share of the pension is 84% for 2026 retirees, rising 0.5 points a year.":"Íocann pinsinéirí sláinte (7.3% + leath an ráta bhreise) agus árachas cúraim iomlán; is é an sciar inchánach den phinsean 84% dóibh siúd a théann ar scor in 2026, ag ardú 0.5 pointe in aghaidh na bliana.","Contributory system":"Córas ranníocach","33% of pay builds a notional capital, revalued with GDP growth. At retirement it is multiplied by the transformation coefficient for your age (5.608% at 67 in 2025–2026). Paid 13 times a year.":"Tógann 33% den phá caipiteal barúlach, athluacháilte le fás OTI. Ag scor méadaítear é faoin gcomhéifeacht chlaochlaithe do d’aois (5.608% ag 67 in 2025–2026). Íoctha 13 huaire sa bhliain.","Old-age pension at 67 with 20 years. Early: any age with 42 years 10 months (women 41y10m), or 64 with 20 years if the pension is at least 3× the social allowance.":"Pinsean seanaoise ag 67 le 20 bliain. Luath: ag aois ar bith le 42 bliain 10 mí (mná 41b10m), nó ag 64 le 20 bliain má tá an pinsean 3× an liúntas sóisialta ar a laghad.","Calculation":"Ríomh","Base = average of contribution bases of the last 25 years ÷ 14 per month. 15 years give 50%, rising to 100% at 36.5 years. Max pension €3,359.60 × 14 (2026).":"Bonn = meán bonnanna ranníocaíochta na 25 bliana deireanacha ÷ 14 in aghaidh na míosa. Tugann 15 bliana 50%, ag ardú go 100% ag 36.5 bliain. Uasphinsean €3,359.60 × 14 (2026).","Ordinary age 66y10m in 2026 and 67 from 2027, or 65 with 38.5 years. Voluntary early retirement up to 2 years before with 35 years, cut per month by contribution length; +4% per year for working past ordinary age.":"Gnáthaois 66b10m in 2026 agus 67 ó 2027, nó 65 le 38.5 bliain. Luathscor deonach suas le 2 bhliain roimhe le 35 bliain, gearradh in aghaidh na míosa de réir fad ranníocaíochta; +4% in aghaidh na bliana as obair tar éis na gnáthaoise.","New State Pension":"New State Pension","£241.30 a week in 2026/27 with 35 qualifying years of National Insurance; at least 10 years for any pension; proportional in between. Rises each April by the triple lock.":"£241.30 sa tseachtain in 2026/27 le 35 bliain cáilitheacha Árachais Náisiúnta; 10 mbliana ar a laghad do phinsean ar bith; comhréireach eatarthu. Ardaíonn sé gach Aibreán leis an triple lock.","State Pension age rises to 67 between 2026 and 2028, and to 68 for people born after April 1977 (current law). It cannot be taken early; deferring adds about 5.8% per year.":"Ardaíonn aois an State Pension go 67 idir 2026 agus 2028, agus go 68 do dhaoine a rugadh tar éis Aibreán 1977 (dlí reatha). Ní féidir é a thógáil go luath; cuireann iarchur thart ar 5.8% in aghaidh na bliana leis.","gross":"comhlán","pension share, whole career":"sciar pinsin, an saol oibre ar fad","of your own contributions":"de do ranníocaíochtaí féin","Claim age":"Aois éilimh","Status":"Stádas","Net / month":"Glan / mí","Net / year":"Glan / bliain","Your pension contributions":"Do ranníocaíochtaí pinsin","Including employer":"Fostóir san áireamh","Lifetime pension ÷ your contributions":"Pinsean saoil ÷ do ranníocaíochtaí","UK National Insurance also funds other benefits, so \"contributions\" here overstate what pays for the pension.":"Maoiníonn Árachas Náisiúnta na RA sochair eile freisin, mar sin déanann \"ranníocaíochtaí\" anseo áibhéil ar an méid a íocann as an bpinsean.","Amounts in today’s money; pensions assumed to keep pace with inflation.":"Méideanna in airgead an lae inniu; glactar leis go gcoinníonn pinsin suas le boilsciú.","Entgeltumwandlung (bAV): up to 8% of the pension ceiling (€8,112 in 2026) is tax-free and up to 4% (€4,056) also free of social insurance. The employer must add 15% of the converted amount when it saves contributions. Payouts are fully taxed and subject to health/care insurance. Converting lowers your future state pension slightly.":"Entgeltumwandlung (bAV): tá suas le 8% d’uasteorainn an phinsin (€8,112 in 2026) saor ó cháin agus suas le 4% (€4,056) saor ó árachas sóisialta freisin. Ní mór don fhostóir 15% den mhéid tiontaithe a chur leis nuair a choigleann sé ranníocaíochtaí. Gearrtar cáin iomlán ar íocaíochtaí amach agus tá siad faoi réir árachas sláinte/cúraim. Laghdaíonn tiontú do phinsean stáit amach anseo beagán.","Fondo pensione: contributions (yours + employer) are deductible up to €5,164.57 a year; TFR can flow into the fund on top. Payouts are taxed at 15%, falling 0.3 points per year of membership after 15 years, down to 9%. Up to 50% can be taken as a lump sum at retirement.":"Fondo pensione: tá ranníocaíochtaí (do chuid + fostóir) in-asbhainte suas le €5,164.57 in aghaidh na bliana; is féidir le TFR dul isteach sa chiste freisin. Gearrtar 15% cánach ar íocaíochtaí amach, ag titim 0.3 pointe in aghaidh gach bliana ballraíochta tar éis 15 bliana, síos go 9%. Is féidir suas le 50% a thógáil mar chnapshuim ag scor.","Planes de pensiones: contributions reduce the IRPF base up to €1,500 (individual) plus up to €8,500 through an employment plan (€10,000 total with the employer). Payouts are taxed as work income at your rate then; the 40% lump-sum reduction only applies to pre-2007 money.":"Planes de pensiones: laghdaíonn ranníocaíochtaí bonn IRPF suas le €1,500 (aonair) móide suas le €8,500 trí phlean fostaíochta (€10,000 san iomlán leis an bhfostóir). Gearrtar cáin ar íocaíochtaí amach mar ioncam oibre ag do ráta ag an am; ní bhaineann an laghdú 40% ar chnapshuim ach le hairgead roimh 2007.","Salary sacrifice: the sacrificed pay is free of income tax and employee NI (8%/2%); the employer saves 15% NI and may pass some on. Annual allowance £60,000. At retirement 25% is tax-free and the rest taxed as income. From April 2029 the NI saving is planned to be capped at £2,000 a year.":"Íobairt tuarastail: tá an pá íobartha saor ó cháin ioncaim agus ó NI fostaí (8%/2%); coigleann an fostóir 15% NI agus féadfaidh sé cuid de a thabhairt ar aghaidh. Liúntas bliantúil £60,000. Ag scor tá 25% saor ó cháin agus gearrtar cáin ar an gcuid eile mar ioncam. Ó Aibreán 2029 tá sé beartaithe an choigilt NI a theorannú go £2,000 in aghaidh na bliana.","Deductible up to €5,164.57 a year, yours plus employer’s.":"In-asbhainte suas le €5,164.57 in aghaidh na bliana, do chuid féin móide an fhostóra.","Reduces the tax base up to €10,000 a year including the employer (employment plan).":"Laghdaíonn sé an bonn cánach suas le €10,000 in aghaidh na bliana an fostóir san áireamh (plean fostaíochta).","Salary sacrifice: no income tax or NI on the sacrificed pay. Annual allowance £60,000.":"Íobairt tuarastail: gan cáin ioncaim ná NI ar an bpá íobartha. Liúntas bliantúil £60,000.","Saved this year":"Coigilte i mbliana","tax + social security":"cáin + slándáil shóisialta","Gross / year (incl. bonus)":"Comhlán / bliain (le bónas)","Your contribution":"Do ranníocaíocht","TFR into the fund":"TFR isteach sa chiste","Your contribution / year":"Do ranníocaíocht / bliain","Relieved from tax":"Faoiseamh ó cháin","Free of social security":"Saor ó shlándáil shóisialta","Payout tax & charges":"Cáin agus muirir ar íocaíocht amach","New Year":"Lá Caille","Ascension Day":"Déardaoin Deastógála","German Unity Day":"Lá Aontachta na Gearmáine","2nd Christmas Day":"Dara Lá Nollag","Liberation Day":"Lá na Saoirse","Republic Day":"Lá na Poblachta","Ferragosto":"Ferragosto","All Saints":"Lá Samhna","Immaculate Conception":"An Ghiniúint Mhuire gan Smál","St Stephen":"Lá Fhéile Stiofáin","Assumption":"Deastógáil Mhuire","National Day":"Lá Náisiúnta","Constitution Day":"Lá an Bhunreachta","Early May bank holiday":"Lá saoire bainc tús Bealtaine","Spring bank holiday":"Lá saoire bainc an earraigh","Summer bank holiday":"Lá saoire bainc an tsamhraidh","Federal Leave Act (BUrlG): at least 24 working days on a 6-day week (20 on 5 days); most contracts give 30. Carry-over to 31 March. National holidays shown; states add 1–4 more (Bavaria up to 13 in total).":"Acht Saoire Feidearálach (BUrlG): 24 lá oibre ar a laghad i seachtain 6 lá (20 i 5 lá); tugann formhór na gconarthaí 30. Tabhairt anonn go 31 Márta. Taispeántar laethanta saoire náisiúnta; cuireann stáit 1–4 eile leis (an Bhaváir suas le 13 san iomlán).","Maternity protection (Mutterschutz)":"Cosaint mháithreachais (Mutterschutz)","6 weeks before and 8 after birth":"6 seachtaine roimh agus 8 tar éis breithe","Full net pay (health insurer + employer)":"Glanphá iomlán (árachóir sláinte + fostóir)","Parental allowance (Elterngeld)":"Liúntas tuismitheora (Elterngeld)","12 months, +2 if both parents take part; ElterngeldPlus doubles duration at half rate":"12 mhí, +2 má ghlacann an dá thuismitheoir páirt; dúblaíonn ElterngeldPlus an fad ag leathráta","65–67% of net, €300–1,800/month":"65–67% den ghlan, €300–1,800/mí","Parental leave (Elternzeit)":"Saoire tuismitheora (Elternzeit)","Up to 3 years per parent until the child is 8":"Suas le 3 bliana in aghaidh an tuismitheora go dtí go mbíonn an leanbh 8","Unpaid, job protected":"Gan phá, post cosanta","Sick child days":"Laethanta do leanbh tinn","15 days per child per parent in 2026 (max 35; single parents 30/70), child under 12":"15 lá in aghaidh an linbh in aghaidh an tuismitheora in 2026 (uas. 35; aontuismitheoirí 30/70), leanbh faoi 12","Kinderkrankengeld ≈ 90% of net":"Kinderkrankengeld ≈ 90% den ghlan","Care leave":"Saoire chúraim","10 days short-term for a relative; up to 6 months Pflegezeit":"10 lá gearrthéarma do ghaol; suas le 6 mhí Pflegezeit","Care support allowance / unpaid":"Liúntas tacaíochta cúraim / gan phá","Sick pay":"Pá breoiteachta","6 weeks full pay from the employer, then Krankengeld":"6 seachtaine pá iomlán ón bhfostóir, ansin Krankengeld","100%, then 70% gross (max 90% net)":"100%, ansin 70% comhlán (uas. 90% glan)","Special leave (§616 BGB)":"Saoire speisialta (§616 BGB)","Short paid absences for own wedding, birth, death in family (by contract, often 1–2 days)":"Neamhláithreachtaí gearra íoctha do do phósadh féin, breith, bás sa teaghlach (de réir conartha, 1–2 lá go minic)","At least 4 weeks a year (Legislative Decree 66/2003), 2 of them consecutive in the year; CCNLs often give 26 days on a 6-day week plus ROL / ex-festività leave hours (often ~100 h/year). Plus the local patron saint’s day.":"4 seachtaine ar a laghad in aghaidh na bliana (Foraithne Reachtach 66/2003), 2 díobh as a chéile sa bhliain; tugann CCNLanna 26 lá go minic i seachtain 6 lá móide uaireanta ROL / ex-festività (~100 u/bliain go minic). Móide lá an phátrúin áitiúil.","5 months (2 before + 3 after, or 0 + 5)":"5 mhí (2 roimh + 3 tar éis, nó 0 + 5)","80% of pay (often topped up to 100% by CCNL)":"80% den phá (go minic ardaithe go 100% ag CCNL)","10 working days, from 2 months before to 5 after birth":"10 lá oibre, ó 2 mhí roimh go 5 mhí tar éis breithe","Up to 10 months between parents (11 if the father takes 3), until the child is 12":"Suas le 10 mí idir na tuismitheoirí (11 má thógann an t-athair 3), go dtí go mbíonn an leanbh 12","3 months at 80% (until age 6), then 30%":"3 mhí ag 80% (go dtí aois 6), ansin 30%","Breastfeeding rest":"Sos beathú cíche","2 hours a day (1 if part-time) in the first year":"2 uair in aghaidh an lae (1 má tá sé páirtaimseartha) sa chéad bhliain","Sick child leave":"Saoire do leanbh tinn","Unlimited under 3; 10 days a year from 3 to 14 (2026)":"Gan teorainn faoi 3; 10 lá in aghaidh na bliana ó 3 go 14 (2026)","Law 104 leave":"Saoire Dhlí 104","3 days a month to care for a relative with serious disability":"3 lá in aghaidh na míosa le haire a thabhairt do ghaol faoi mhíchumas tromchúiseach","Paid by INPS":"Íoctha ag INPS","Marriage leave":"Saoire phósta","15 calendar days":"15 lá féilire","3 days a year":"3 lá in aghaidh na bliana","30 calendar days a year (Workers’ Statute art. 38), about 22 working days on a 5-day week; cannot be replaced by money except on leaving. 14 public holidays a year in total: the national ones shown plus regional and 2 local days.":"30 lá féilire in aghaidh na bliana (Reacht na nOibrithe alt 38), thart ar 22 lá oibre i seachtain 5 lá; ní féidir airgead a thabhairt ina n-ionad ach ar imeacht. 14 lá saoire poiblí in aghaidh na bliana san iomlán: na cinn náisiúnta a thaispeántar móide cinn réigiúnacha agus 2 lá áitiúla.","Birth and care leave":"Saoire breithe agus chúraim","19 weeks for each parent: 6 compulsory after birth, 11 flexible within 12 months, 2 until age 8":"19 seachtaine do gach tuismitheoir: 6 éigeantach tar éis breithe, 11 solúbtha laistigh de 12 mhí, 2 go dtí aois 8","100% of contribution base (Social Security)":"100% den bhonn ranníocaíochta (Slándáil Shóisialta)","Breastfeeding leave":"Saoire bheathú cíche","1 hour a day until 9 months, or about 15 days accumulated":"Uair in aghaidh an lae go dtí 9 mí, nó thart ar 15 lá carnaithe","8 weeks until the child is 8":"8 seachtaine go dtí go mbíonn an leanbh 8","Reduced hours for childcare":"Uaireanta laghdaithe do chúram leanaí","Cut working time by 1/8 to 1/2 for a child under 12":"Gearr am oibre faoi 1/8 go 1/2 do leanbh faoi 12","Pay reduced proportionally":"Pá laghdaithe go comhréireach","Force majeure":"Force majeure","Up to 4 days a year for urgent family reasons":"Suas le 4 lá in aghaidh na bliana ar chúiseanna práinneacha teaghlaigh","Family illness or death":"Tinneas nó bás sa teaghlach","5 days (serious illness, hospitalisation); 2 days for death (4 if travel)":"5 lá (tinneas tromchúiseach, ospidéal); 2 lá do bhás (4 má tá taisteal i gceist)","Marriage":"Pósadh","5.6 weeks a year (28 days on a 5-day week, capped at 28) under the Working Time Regulations; employers may count the 8 bank holidays within it. Holidays shown are England & Wales.":"5.6 seachtaine in aghaidh na bliana (28 lá i seachtain 5 lá, uas. 28) faoi na Working Time Regulations; féadfaidh fostóirí na 8 lá saoire bainc a áireamh ann. Is laethanta saoire Shasana agus na Breataine Bige iad a thaispeántar.","52 weeks, 39 of them paid":"52 seachtain, 39 díobh íoctha","6 weeks at 90%, then £194.32/week (SMP 2026/27)":"6 seachtaine ag 90%, ansin £194.32/seachtain (SMP 2026/27)","2 weeks within 52 weeks of birth":"2 sheachtain laistigh de 52 seachtain ón mbreith","£194.32/week or 90% if lower":"£194.32/seachtain nó 90% más ísle","Shared parental leave":"Saoire tuismitheora roinnte","Up to 50 weeks shared, 37 paid":"Suas le 50 seachtain roinnte, 37 íoctha","£194.32/week":"£194.32/seachtain","Unpaid parental leave":"Saoire tuismitheora gan phá","18 weeks per child until 18, max 4 weeks a year":"18 seachtaine in aghaidh an linbh go dtí 18, uas. 4 seachtaine in aghaidh na bliana","Time off for dependants":"Am saor do chleithiúnaithe","Reasonable time for emergencies":"Am réasúnta d’éigeandálaí","Usually unpaid":"Gan phá de ghnáth","Carer’s leave":"Saoire cúramóra","1 week a year":"Seachtain in aghaidh na bliana","Statutory sick pay":"Pá breoiteachta reachtúil","Up to 28 weeks":"Suas le 28 seachtaine","£123.25/week":"£123.25/seachtain","national, on working days":"náisiúnta, ar laethanta oibre","leave + holidays":"saoire + laethanta saoire poiblí","at your daily pay":"ag do phá laethúil","Legal minimum":"Íosmhéid dlíthiúil","Your contract":"Do chonradh","You are entitled to":"Tá teidlíocht agat ar","Notice (§622 BGB)":"Fógra (§622 BGB)","Employer notice: 4 weeks, then 1 month after 2 years, 2 after 5, 3 after 8, 4 after 10, 5 after 12, 6 after 15, 7 after 20 years, to the month end. Employee: 4 weeks.":"Fógra an fhostóra: 4 seachtaine, ansin mí tar éis 2 bhliain, 2 tar éis 5, 3 tar éis 8, 4 tar éis 10, 5 tar éis 12, 6 tar éis 15, 7 tar éis 20 bliain, go deireadh na míosa. Fostaí: 4 seachtaine.","No general legal right. In practice settled at about 0.5 month’s pay per year of service (§1a KSchG). Taxed as income using the one-fifth rule (now claimed in the annual return), no social insurance.":"Gan ceart dlíthiúil ginearálta. Go praiticiúil socraítear thart ar leath míosa pá in aghaidh na bliana seirbhíse (§1a KSchG). Gearrtar cáin air mar ioncam leis an riail cúigiú (éilithe anois sa tuairisceán bliantúil), gan árachas sóisialta.","Unemployment benefit (ALG I)":"Sochar dífhostaíochta (ALG I)","60% of net pay (67% with children) for 12 months, up to 24 from age 58 with long insurance. Resigning triggers a 12-week block.":"60% den ghlanphá (67% le leanaí) ar feadh 12 mhí, suas le 24 ó aois 58 le hárachas fada. Spreagann éirí as bloc 12 sheachtain.","Every year the employer sets aside pay ÷ 13.5 (less 0.5%), revalued at 1.5% + 75% of inflation; paid on any termination and taxed separately at your average rate.":"Gach bliain cuireann an fostóir pá ÷ 13.5 (lúide 0.5%) i leataobh, athluacháilte ag 1.5% + 75% de bhoilsciú; íoctha ar aon chríochnú agus gearrtar cáin air ar leithligh ag do mheánráta.","Unfair dismissal (Jobs Act)":"Dífhostú éagórach (Jobs Act)","For contracts from 2015: 2 months’ pay per year of service, minimum 6, maximum 36 (smaller firms less).":"Do chonarthaí ó 2015: 2 mhí pá in aghaidh na bliana seirbhíse, íosmhéid 6, uasmhéid 36 (níos lú i gcomhlachtaí beaga).","75% of average monthly pay up to €1,456.72 plus 25% above, max €1,584.70 (2026); for half the weeks worked in the last 4 years (max 24 months), falling 3% a month from the 6th month. Not after resignation.":"75% den mheánphá míosúil suas le €1,456.72 móide 25% os a chionn, uas. €1,584.70 (2026); ar feadh leath na seachtainí a oibríodh sna 4 bliana deireanacha (uas. 24 mhí), ag titim 3% in aghaidh na míosa ón 6ú mí. Ní tar éis éirí as.","Unfair dismissal: 33 days’ pay per year (45 for service before 12/02/2012), max 24 months. Objective dismissal: 20 days per year, max 12 months. End of temporary contract: 12 days per year. Tax-free up to the legal amount (max €180,000).":"Dífhostú éagórach: pá 33 lá in aghaidh na bliana (45 do sheirbhís roimh 12/02/2012), uas. 24 mhí. Dífhostú oibiachtúil: 20 lá in aghaidh na bliana, uas. 12 mhí. Deireadh conartha shealadaigh: 12 lá in aghaidh na bliana. Saor ó cháin suas leis an méid dlíthiúil (uas. €180,000).","Final settlement (finiquito)":"Socrú deiridh (finiquito)","Unused holidays and the pro-rata part of the extra payments are always paid. Objective dismissal requires 15 days’ notice.":"Íoctar i gcónaí laethanta saoire nár glacadh agus an chuid pro rata de na híocaíochtaí breise. Éilíonn dífhostú oibiachtúil 15 lá fógra.","Unemployment benefit (paro)":"Sochar dífhostaíochta (paro)","70% of the base for 6 months, 60% to month 12, then 50%; between ~€560 and €1,225–1,575 a month; 4 to 24 months depending on contributions in the last 6 years. Not after resignation.":"70% den bhonn ar feadh 6 mhí, 60% go dtí an 12ú mí, ansin 50%; idir ~€560 agus €1,225–1,575 in aghaidh na míosa; 4 go 24 mhí ag brath ar ranníocaíochtaí sna 6 bliana deireanacha. Ní tar éis éirí as.","Statutory redundancy":"Iomarcaíocht reachtúil","After 2 years: for each full year (max 20) ½ week’s pay under 22, 1 week 22–40, 1½ weeks from 41; weekly pay capped at £751 (max £22,530). First £30,000 of termination payments is tax-free.":"Tar éis 2 bhliain: do gach bliain iomlán (uas. 20) leath seachtaine pá faoi 22, seachtain 22–40, seachtain go leith ó 41; pá seachtainiúil teoranta do £751 (uas. £22,530). Tá an chéad £30,000 d’íocaíochtaí foirceanta saor ó cháin.","At least 1 week after a month, then 1 week per full year up to 12 weeks. Pay in lieu of notice is taxed as earnings.":"Seachtain ar a laghad tar éis míosa, ansin seachtain in aghaidh gach bliana iomláine suas le 12 sheachtain. Gearrtar cáin ar phá in ionad fógra mar thuilleamh.","About £95.55 a week (25+, estimate 2026/27) for up to 182 days if you have enough NI contributions.":"Thart ar £95.55 sa tseachtain (25+, meastachán 2026/27) ar feadh suas le 182 lá má tá go leor ranníocaíochtaí NI agat.","4 weeks":"4 seachtaine","Settlement (Abfindung)":"Socrú (Abfindung)","yrs":"bl","mo pay (typical)":"mí pá (gnách)","Settlement":"Socrú","Notice paid in lieu":"Fógra íoctha ina ionad","Unfair-dismissal indemnity":"Cúiteamh dífhostaithe éagóraigh","15 days":"15 lá","Extra payment, pro rata":"Íocaíocht bhreise, pro rata","Days per year":"Laethanta in aghaidh na bliana","Maximum":"Uasmhéid","Unfair":"Éagórach","before 2012":"roimh 2012","Objective":"Oibiachtúil","Temporary contract end":"Deireadh conartha shealadaigh","statutory minimum":"íosmhéid reachtúil","£95.55 / week for 26 weeks (estimate)":"£95.55 / seachtain ar feadh 26 seachtain (meastachán)","Age in each year":"Aois gach bliain","Weeks per year":"Seachtainí in aghaidh na bliana","under 22":"faoi 22","Weekly pay cap":"Teorainn pá seachtainiúil","TFR + indemnity":"TFR + cúiteamh","net":"glan","Each extra <b>{h}</b> of gross pay leaves you <b>{k}</b> net: {p} goes to tax and social security.":"Fágann gach <b>{h}</b> breise pá chomhláin <b>{k}</b> glan agat: téann {p} chuig cáin agus slándáil shóisialta.","You are <b>{d}</b> below the next tax band ({a} → {b}).":"Tá tú <b>{d}</b> faoi bhun an chéad bhanda cánach eile ({a} → {b}).","You are in the top tax band ({a}).":"Tá tú sa bhanda cánach is airde ({a}).","Your tax credit ({c}) shrinks by 20 for every 1,000 of taxable income above 12,000, which adds 2 points to your marginal rate until it reaches zero at {z}.":"Laghdaíonn do chreidmheas cánach ({c}) faoi 20 in aghaidh gach 1,000 d’ioncam inchánach os cionn 12,000, rud a chuireann 2 phointe le do ráta imeallach go dtí go sroicheann sé nialas ag {z}.","Putting 10% of your salary ({c} a year) into a group pension plan would cut your income tax by about <b>{s}</b> a year (see the Private pension tab).":"Dá gcuirfeá 10% de do thuarastal ({c} in aghaidh na bliana) i bplean pinsin grúpa ghearrfadh sé do cháin ioncaim thart ar <b>{s}</b> in aghaidh na bliana (féach an cluaisín Pinsean príobháideach).","You are paying a <b>{p}</b> penalty for not spending 30% of your income electronically. Spending another {q} by card would avoid it.":"Tá pionós <b>{p}</b> á íoc agat mar nach gcaitheann tú 30% de d’ioncam go leictreonach. Sheachnódh caitheamh {q} eile le cárta é.","Keep spending at least <b>{q}</b> a year by card or e-payment (30% of your income, max 20,000), or a 22% penalty applies to the shortfall.":"Lean ort ag caitheamh <b>{q}</b> ar a laghad in aghaidh na bliana le cárta nó íocaíocht leictreonach (30% de d’ioncam, uas. 20,000), nó beidh pionós 22% ar an easnamh.","Your bonus is taxed at your top rate: you keep <b>{n}</b> of {b} ({p}).":"Gearrtar cáin ar do bhónas ag do ráta is airde: coinníonn tú <b>{n}</b> de {b} ({p}).","Another child would lower your yearly tax by about <b>{s}</b>.":"Laghdódh leanbh eile do cháin bhliantúil thart ar <b>{s}</b>.","Under 26 in 2026: 0% income tax on the first 20,000 of taxable income.":"Faoi 26 in 2026: 0% cáin ioncaim ar an gcéad 20,000 d’ioncam inchánach.","Aged 26–30 in 2026: the 10,000–20,000 band is taxed at 9% instead of 20%.":"Aois 26–30 in 2026: gearrtar 9% seachas 20% ar an mbanda 10,000–20,000.","Moving your tax residence back to Greece after 5+ years abroad? Art. 5C would save about <b>{s}</b> a year for 7 years.":"Ag bogadh d’áit chónaithe chánach ar ais go dtí an Ghréig tar éis 5+ bliana thar lear? Shábhálfadh alt 5C thart ar <b>{s}</b> in aghaidh na bliana ar feadh 7 mbliana.","You are entitled to {n} paid school-visit days a year (4 per school-age child): see the Leave tab.":"Tá teidlíocht agat ar {n} lá íoctha do chuairteanna scoile in aghaidh na bliana (4 in aghaidh gach linbh in aois scoile): féach an cluaisín Saoire.","Converting 4% of your salary ({c} a year) into a company pension (bAV) saves about <b>{s}</b> in tax and social insurance, and your employer must add {e}.":"Má thiontaíonn tú 4% de do thuarastal ({c} in aghaidh na bliana) i bpinsean cuideachta (bAV) sábhálann sé thart ar <b>{s}</b> i gcáin agus árachas sóisialta, agus ní mór do d’fhostóir {e} a chur leis.","Paying the maximum deductible {c} a year into a pension fund saves about <b>{s}</b> of income tax.":"Má íocann tú an t-uasmhéid in-asbhainte de {c} in aghaidh na bliana isteach i gciste pinsin sábhálann sé thart ar <b>{s}</b> cáin ioncaim.","Paying {c} a year into a personal pension plan lowers your IRPF by about <b>{s}</b>.":"Má íocann tú {c} in aghaidh na bliana isteach i bplean pinsin pearsanta laghdaíonn sé do IRPF thart ar <b>{s}</b>.","A 5% salary-sacrifice pension contribution ({c} a year) saves about <b>{s}</b> in income tax and National Insurance.":"Sábhálann ranníocaíocht pinsin íobairt tuarastail de 5% ({c} in aghaidh na bliana) thart ar <b>{s}</b> i gcáin ioncaim agus Árachas Náisiúnta.","Moving to Italy from abroad? The impatriati regime would add about <b>{s}</b> a year to your net pay for 5 years.":"Ag bogadh chun na hIodáile ó thar lear? Chuirfeadh córas impatriati thart ar <b>{s}</b> in aghaidh na bliana le do ghlanphá ar feadh 5 bliana.","Moving to Spain from abroad? The Beckham law (flat 24%) would add about <b>{s}</b> a year to your net pay.":"Ag bogadh chun na Spáinne ó thar lear? Chuirfeadh dlí Beckham (24% cothrom) thart ar <b>{s}</b> in aghaidh na bliana le do ghlanphá.","At this salary the Beckham law (flat 24%) would not help: the normal scale is cheaper.":"Ag an tuarastal seo ní chabhródh dlí Beckham (24% cothrom): tá an gnáthscála níos saoire.","Church tax costs you <b>{s}</b> a year.":"Cosnaíonn cáin eaglaise <b>{s}</b> ort in aghaidh na bliana.","On top of your salary you receive Kindergeld of <b>{a}</b> a year.":"Chomh maith le do thuarastal faigheann tú Kindergeld de <b>{a}</b> in aghaidh na bliana.","Between £100,000 and £125,140 you lose your personal allowance, an effective 60% rate. A pension contribution through salary sacrifice can bring you back below £100,000.":"Idir £100,000 agus £125,140 cailleann tú do liúntas pearsanta, ráta éifeachtach 60%. Is féidir le ranníocaíocht pinsin trí íobairt tuarastail tú a thabhairt ar ais faoi £100,000.","Above £60,000 the High Income Child Benefit Charge claws back child benefit (all of it at £80,000).":"Os cionn £60,000 bainfidh an High Income Child Benefit Charge sochar leanaí ar ais (é ar fad ag £80,000).","Your region matters: compared with your current choice, Madrid would give you {m} and Catalonia {c} a year.":"Tá tábhacht le do réigiún: i gcomparáid le do rogha reatha, thabharfadh Maidrid {m} duit agus an Chatalóin {c} in aghaidh na bliana.","Your marginal rate is unusually high here because a tax deduction is being phased out as income rises.":"Tá do ráta imeallach neamhghnách ard anseo mar go bhfuil asbhaint chánach á baint de réir mar a ardaíonn ioncam.","Enter your partner’s gross salary to see the household together.":"Cuir isteach tuarastal comhlán do pháirtí leis an teaghlach a fheiceáil le chéile.","Assegno Unico per child / month":"Assegno Unico in aghaidh an linbh / mí","Partner":"Páirtí","Household":"Teaghlach","Net / month (÷12)":"Glan / mí (÷12)","Child benefit / year":"Sochar leanaí / bliain","Childcare / year":"Cúram leanaí / bliain","Household money / month":"Airgead teaghlaigh / mí","Child benefit (Α21) uses the combined family income.":"Úsáideann sochar leanaí (Α21) ioncam comhcheangailte an teaghlaigh.","Assegno Unico depends on your ISEE: from 58.50 to 204.40 per child per month in 2026. Enter yours.":"Braitheann Assegno Unico ar do ISEE: ó 58.50 go 204.40 in aghaidh an linbh in aghaidh na míosa in 2026. Cuir isteach do chuid féin.","Spain has no universal child benefit; family relief comes through IRPF allowances.":"Níl sochar leanaí uilíoch sa Spáinn; tagann faoiseamh teaghlaigh trí liúntais IRPF.","Child benefit £27.05 a week for the first child and £17.90 for each other child (2026/27), reduced above £60,000 for the higher earner.":"Sochar leanaí £27.05 sa tseachtain don chéad leanbh agus £17.90 do gach leanbh eile (2026/27), laghdaithe os cionn £60,000 don tuillteoir is airde.","Kindergeld €259 per child per month (2026).":"Kindergeld €259 in aghaidh an linbh in aghaidh na míosa (2026).","Tax classes for married couples":"Aicmí cánach do lánúineacha pósta","Classes IV / IV: household net per month":"Aicmí IV / IV: glan an teaghlaigh in aghaidh na míosa","Classes III / V: household net per month":"Aicmí III / V: glan an teaghlaigh in aghaidh na míosa","Final yearly tax with joint filing (splitting)":"Cáin bhliantúil dheiridh le comhdhéanamh comhpháirteach (scoilteadh)","Tax if each of you were assessed alone":"Cáin dá measfaí gach duine agaibh ina aonar","III/V or IV/IV only changes how much is withheld each month; the tax return settles both to the same joint tax. Splitting saves {s} a year compared with being taxed individually. The class V figure is an approximation.":"Ní athraíonn III/V nó IV/IV ach an méid a choinnítear siar gach mí; socraíonn an tuairisceán cánach an dá cheann chuig an gcomhcháin chéanna. Sábhálann scoilteadh {s} in aghaidh na bliana i gcomparáid le cáin aonair. Is meastachán é figiúr aicme V.","Two years of your salary":"Dhá bhliain de do thuarastal","Your salary in both years, in the same money":"Do thuarastal sa dá bhliain, san airgead céanna","Key takeaways":"Príomhphointí","What you needed to earn each year to keep up with prices":"An méid a bhí ort a thuilleamh gach bliain le coinneáil suas le praghsanna","The numbers":"Na huimhreacha","Same money, different countries: where purchasing power fell most":"An t-airgead céanna, tíortha difriúla: cá ndeachaigh cumhacht ceannaigh síos is mó","Enter your gross monthly salary in a recent year and in an earlier year (up to 20 years before). Prices are the national consumer price index of the country selected above.":"Cuir isteach do thuarastal comhlán míosúil i mbliain le déanaí agus i mbliain níos luaithe (suas le 20 bliain roimhe). Is iad na praghsanna innéacs praghsanna tomhaltóirí náisiúnta na tíre a roghnaíodh thuas.","Recent year":"Bliain le déanaí","Gross / month in the recent year":"Comhlán / mí sa bhliain le déanaí","Earlier year (up to 20 years before)":"Bliain níos luaithe (suas le 20 bliain roimhe)","Gross / month in the earlier year":"Comhlán / mí sa bhliain níos luaithe","Amount to compare (in each country’s currency)":"Méid le cur i gcomparáid (in airgeadra gach tíre)","Purchasing power {a} → {b} · {c}":"Cumhacht ceannaigh {a} → {b} · {c}","Your net pay buys {p} more than in {a}":"Ceannaíonn do ghlanphá {p} níos mó ná in {a}","Your net pay buys {p} less than in {a}":"Ceannaíonn do ghlanphá {p} níos lú ná in {a}","Your gross pay buys {p} more than in {a}":"Ceannaíonn do phá comhlán {p} níos mó ná in {a}","Your gross pay buys {p} less than in {a}":"Ceannaíonn do phá comhlán {p} níos lú ná in {a}","Prices":"Praghsanna","{x} in {a} = {y} in {b}":"{x} in {a} = {y} in {b}","Your pay, nominal":"Do phá, ainmniúil","{x} → {y} gross / month":"{x} → {y} comhlán / mí","Your {a} salary in {b} money":"Do thuarastal {a} in airgead {b}","gross / month you need to keep up":"comhlán / mí atá uait le coinneáil suas","Gross needed for the same real net":"Comhlán riachtanach don ghlan réadach céanna","per month in {b}, to take home as much as in {a}":"in aghaidh na míosa in {b}, leis an méid céanna a thabhairt abhaile is a bhí in {a}","Gap per month":"Bearna in aghaidh na míosa","{y} a year":"{y} in aghaidh na bliana","{a} as paid":"{a} mar a íocadh","{a} in {b} money":"{a} in airgead {b}","Net / month (regular salary)":"Glan / mí (gnáththuarastal)","Kept after tax and contributions":"Coinnithe tar éis cánach agus ranníocaíochtaí","Real change":"Athrú réadach","Salary needed to keep your {a} purchasing power":"Tuarastal riachtanach le cumhacht ceannaigh {a} a choinneáil","Your salary ({a} and {b})":"Do thuarastal ({a} agus {b})","Prices in {c} rose <b>{p}</b> between {a} and {b}: what cost {x} in {a} cost {y} in {b}.":"D’ardaigh praghsanna in {c} <b>{p}</b> idir {a} agus {b}: an rud a chosain {x} in {a} chosain sé {y} in {b}.","Your gross pay changed by {s} while prices rose {p}: in real terms you earn <b>{r} more</b>.":"D’athraigh do phá comhlán {s} agus d’ardaigh praghsanna {p}: i dtéarmaí réadacha tuilleann tú <b>{r} níos mó</b>.","Your gross pay changed by {s} while prices rose {p}: in real terms you earn <b>{r} less</b>, like a pay cut of {m} a month in {b} money.":"D’athraigh do phá comhlán {s} agus d’ardaigh praghsanna {p}: i dtéarmaí réadacha tuilleann tú <b>{r} níos lú</b>, cosúil le gearradh pá de {m} in aghaidh na míosa in airgead {b}.","Tax and EFKA: you kept {k1} of your gross in {a} and {k2} in {b}, so your real net pay changed by <b>{rn}</b> (gross: {rg}).":"Cáin agus EFKA: choinnigh tú {k1} de do chomhlán in {a} agus {k2} in {b}, mar sin d’athraigh do ghlanphá réadach <b>{rn}</b> (comhlán: {rg}).","To take home the same real net pay as in {a}, you would need <b>{g}</b> gross a month in {b}; you earn {d} more than that.":"Leis an nglanphá réadach céanna is a bhí in {a} a thabhairt abhaile, theastódh <b>{g}</b> comhlán in aghaidh na míosa in {b}; tuilleann tú {d} níos mó ná sin.","To take home the same real net pay as in {a}, you would need <b>{g}</b> gross a month in {b}; you earn {d} less than that.":"Leis an nglanphá réadach céanna is a bhí in {a} a thabhairt abhaile, theastódh <b>{g}</b> comhlán in aghaidh na míosa in {b}; tuilleann tú {d} níos lú ná sin.","<b>{m} months</b> of work in {b} buy what a full year of work bought in {a}.":"Ceannaíonn <b>{m} mí</b> oibre in {b} an méid a cheannaigh bliain iomlán oibre in {a}.","The biggest yearly price rise in this period was {v} in {y}; prices fell in {n} of the years.":"Ba é {v} in {y} an t-ardú praghsanna bliantúil ba mhó sa tréimhse seo; thit praghsanna in {n} de na blianta.","The biggest yearly price rise in this period was {v} in {y}.":"Ba é {v} in {y} an t-ardú praghsanna bliantúil ba mhó sa tréimhse seo.","Average inflation was {v} a year; at that pace prices double every {d} years.":"Ba é {v} in aghaidh na bliana an meánbhoilsciú; ag an ráta sin dúblaíonn praghsanna gach {d} bliain.","Type your gross salary for {a}. Until you do, the earlier salary is the one that would have kept the same purchasing power ({v}), so the result shows no change.":"Scríobh do thuarastal comhlán do {a}. Go dtí go ndéanann tú, is é an tuarastal níos luaithe an ceann a choinneodh an chumhacht ceannaigh chéanna ({v}), mar sin ní léiríonn an toradh aon athrú.","Net pay over time is calculated only for Greece, where the app holds the tax and EFKA rules of every year since 2006. For {c} this comparison uses gross pay.":"Ní ríomhtar glanphá thar am ach don Ghréig, áit a bhfuil rialacha cánach agus EFKA gach bliana ó 2006 ag an aip. Do {c} úsáideann an comparáid seo pá comhlán.","The same amount of money in {a} and in {b}, in each country’s own currency (pounds for the UK). The only difference is local inflation: the higher it was, the more purchasing power savings and frozen salaries lost.":"An méid céanna in {a} agus in {b}, in airgeadra gach tíre féin (punt don RA). Is é an t-aon difríocht an boilsciú áitiúil: dá airde a bhí sé, is mó cumhacht ceannaigh a chaill coigilteas agus tuarastail reoite.","Biggest loss of purchasing power":"An caillteanas cumhachta ceannaigh is mó","Smallest loss":"An caillteanas is lú","{v} of the value gone":"{v} den luach imithe","{c}: rank":"{c}: rangú","{n} of 5":"{n} as 5","1 = biggest loss":"1 = an caillteanas is mó","Purchasing power lost, {a} → {b}":"Cumhacht ceannaigh caillte, {a} → {b}","What money from {a} is worth over time (% of what it bought in {a})":"Cad is fiú airgead ó {a} thar am (% den mhéid a cheannaigh sé in {a})","Prices {a} → {b}":"Praghsanna {a} → {b}","{x} in {a} = in {b}":"{x} in {a} = in {b}","{x} kept since {a} is worth":"is fiú {x} a coinníodh ó {a}","Purchasing power lost":"Cumhacht ceannaigh caillte","Average inflation / year":"Meánbhoilsciú / bliain","Highest year":"An bhliain is airde","Purchasing power fell most in <b>{c1}</b>: {x} kept since {a} buys only what {v1} bought then. It fell least in <b>{c2}</b> ({v2}).":"Thit cumhacht ceannaigh is mó in <b>{c1}</b>: ní cheannaíonn {x} a coinníodh ó {a} ach an méid a cheannaigh {v1} ansin. Thit sí is lú in <b>{c2}</b> ({v2}).","Inflation: annual average of the national consumer price index. ELSTAT (Greece, editable in the Assumptions table of the Salary tab), Destatis VPI (Germany), ISTAT NIC (Italy), INE IPC (Spain), ONS CPI (UK). 2026 is an estimate from data to August and the European Commission spring 2026 and Bank of England August 2026 forecasts. Checked October 2026.":"Boilsciú: meán bliantúil an innéacs praghsanna tomhaltóirí náisiúnta. ELSTAT (an Ghréig, ineagarthóireachta sa tábla Toimhdí sa chluaisín Tuarastal), Destatis VPI (an Ghearmáin), ISTAT NIC (an Iodáil), INE IPC (an Spáinn), ONS CPI (an RA). Is meastachán é 2026 ó shonraí go Lúnasa agus réamhaisnéisí earraigh 2026 an Choimisiúin Eorpaigh agus Lúnasa 2026 Bhanc Shasana. Seiceáilte Deireadh Fómhair 2026.","The average salary in each country: what it really buys":"An meántuarastal i ngach tír: cad a cheannaíonn sé i ndáiríre","Average gross salary per full-time employee, as paid in each country, and its purchasing power: converted with purchasing power parities into the same basket of goods, so a higher number really buys more. Years follow your choice above (OECD data go up to {l}).":"Meántuarastal comhlán in aghaidh fostaí lánaimseartha, mar a íoctar i ngach tír é, agus a chumhacht ceannaigh: aistrithe le paireachtaí cumhachta ceannaigh go dtí an ciseán earraí céanna, mar sin ceannaíonn uimhir níos airde níos mó i ndáiríre. Leanann na blianta do rogha thuas (sonraí ECFE go {l}).","Highest purchasing power, {y}":"An chumhacht ceannaigh is airde, {y}","Lowest purchasing power, {y}":"An chumhacht ceannaigh is ísle, {y}","buys {x}× the average salary in {c}":"ceannaíonn sé {x}× an meántuarastal in {c}","{v} in purchasing power a year":"{v} i gcumhacht ceannaigh in aghaidh na bliana","Biggest real gain, {a} → {b}":"An gnóthachan réadach is mó, {a} → {b}","Biggest real fall, {a} → {b}":"An titim réadach is mó, {a} → {b}","Smallest real gain, {a} → {b}":"An gnóthachan réadach is lú, {a} → {b}","Purchasing power of the average salary, {a}–{b}":"Cumhacht ceannaigh an mheántuarastail, {a}–{b}","Average salary in {y}, in purchasing power (Greece = 100)":"Meántuarastal in {y}, i gcumhacht ceannaigh (an Ghréig = 100)","Purchasing power (2025 PPP dollars)":"Cumhacht ceannaigh (dollair PPP 2025)","Index, Greece = 100":"Innéacs, an Ghréig = 100","Average salary {y} (as paid)":"Meántuarastal {y} (mar a íocadh)","Per month {y} (÷12)":"In aghaidh na míosa {y} (÷12)","Change as paid":"Athrú mar a íocadh","Real change (after inflation)":"Athrú réadach (tar éis boilscithe)","Purchasing power {y}":"Cumhacht ceannaigh {y}","Greece = 100":"An Ghréig = 100","Rank":"Rangú","With the average salary, purchasing power in {y} was highest in <b>{c1}</b> and lowest in <b>{c2}</b>: the average salary in {c1} buys <b>{x}×</b> what the average salary in {c2} buys.":"Leis an meántuarastal, bhí cumhacht ceannaigh in {y} is airde in <b>{c1}</b> agus is ísle in <b>{c2}</b>: ceannaíonn an meántuarastal in {c1} <b>{x}×</b> an méid a cheannaíonn an meántuarastal in {c2}.","From {a} to {b} its purchasing power rose most in <b>{c3}</b> ({r3}) and least in <b>{c4}</b> ({r4}).":"Ó {a} go {b} d’ardaigh a chumhacht ceannaigh is mó in <b>{c3}</b> ({r3}) agus is lú in <b>{c4}</b> ({r4}).","From {a} to {b} its purchasing power rose most in <b>{c3}</b> ({r3}) and fell most in <b>{c4}</b> ({r4}).":"Ó {a} go {b} d’ardaigh a chumhacht ceannaigh is mó in <b>{c3}</b> ({r3}) agus thit sí is mó in <b>{c4}</b> ({r4}).","From {a} to {b} its purchasing power fell least in <b>{c3}</b> ({r3}) and most in <b>{c4}</b> ({r4}).":"Ó {a} go {b} thit a chumhacht ceannaigh is lú in <b>{c3}</b> ({r3}) agus is mó in <b>{c4}</b> ({r4}).","Your gross salary of {v} a year is <b>{p}</b> of the average salary in {c} ({a}, {y}).":"Is é do thuarastal comhlán de {v} in aghaidh na bliana <b>{p}</b> den mheántuarastal in {c} ({a}, {y}).","{y} has no OECD figure yet, so {l} is used for the recent year.":"Níl figiúr ECFE ag {y} fós, mar sin úsáidtear {l} don bhliain le déanaí.","Source: OECD, Average annual wages (AV_AN_WAGE, 2025 release): gross wage per full-time equivalent employee in the whole economy. Purchasing power uses OECD constant 2025 prices and 2025 US dollar purchasing power parities, which remove price-level differences between countries. Real change uses constant national prices. As paid is in each country’s own currency (pounds for the UK). These are averages, which are pulled up by high earners; the typical (median) worker earns less.":"Foinse: ECFE, meánphá bliantúil (AV_AN_WAGE, eagrán 2025): pá comhlán in aghaidh fostaí coibhéiseach lánaimseartha sa gheilleagar ar fad. Úsáideann cumhacht ceannaigh praghsanna seasta ECFE 2025 agus paireachtaí cumhachta ceannaigh dollar SAM 2025, a bhaineann difríochtaí leibhéil praghsanna idir tíortha. Úsáideann athrú réadach praghsanna náisiúnta seasta. Is in airgeadra gach tíre féin atá \"mar a íocadh\" (punt don RA). Is meáin iad seo, a tharraingíonn tuillteoirí arda aníos; tuilleann an gnáthoibrí (airmheánach) níos lú.","Housing (rent or mortgage)":"Tithíocht (cíos nó morgáiste)","Food and groceries":"Bia agus earraí grósaera","Transport and car":"Iompar agus carr","Bills (power, water, phone, internet)":"Billí (cumhacht, uisce, fón, idirlíon)","Children and school":"Leanaí agus scoil","Leisure and eating out":"Fóillíocht agus ithe amuigh","Loan repayments (not the home)":"Aisíocaíochtaí iasachta (ní an teach)","Other":"Eile","Vacations (per year)":"Laethanta saoire (in aghaidh na bliana)","Financial planner":"Pleanálaí airgeadais","Your money":"Do chuid airgid","Monthly expenses (net amounts)":"Costais mhíosúla (méideanna glana)","Financial health":"Sláinte airgeadais","When could you stop working?":"Cathain a d’fhéadfá stopadh ag obair?","Your savings over the years":"Do choigilteas thar na blianta","Where you could spend less":"Cá bhféadfá níos lú a chaitheamh","More ideas for you":"Tuilleadh smaointe duit","Amounts in today’s money. The planner uses the country, children and pension settings of the other tabs, and the state pension rules of the selected country.":"Méideanna in airgead an lae inniu. Úsáideann an pleanálaí socruithe tíre, leanaí agus pinsin na gcluaisíní eile, agus rialacha pinsin stáit na tíre roghnaithe.","Gross / month now":"Comhlán / mí anois","Years worked so far":"Blianta oibre go dtí seo","Average gross / month so far":"Meánchomhlán / mí go dtí seo","Savings and deposits now":"Coigilteas agus taiscí anois","Return on savings above inflation (% / year)":"Toradh ar choigilteas os cionn boilscithe (% / bliain)","Real pay rise (% / year)":"Ardú pá réadach (% / bliain)","Plan until age":"Pleanáil go dtí aois","Show the benefit of spending less over (years)":"Taispeáin sochar níos lú a chaitheamh thar (blianta)","Test: I want to stop working at age":"Tástáil: ba mhaith liom stopadh ag obair ag aois","Earliest age you could stop working · {c}":"An aois is luaithe a d’fhéadfá stopadh ag obair · {c}","with your current spending, keeping enough money until age {p}":"le do chaiteachas reatha, ag coinneáil go leor airgid go dtí aois {p}","not before 75 with your current spending; see the ideas below":"ní roimh 75 le do chaiteachas reatha; féach na smaointe thíos","Not before 75":"Ní roimh 75","Net income / month":"Glanioncam / mí","average of the year, incl. extra salaries":"meán na bliana, tuarastail bhreise san áireamh","Spending / month":"Caiteachas / mí","vacations spread over 12 months":"laethanta saoire scaipthe thar 12 mhí","Saved / month":"Coigilte / mí","{p} of your net income":"{p} de do ghlanioncam","With smarter spending":"Le caiteachas níos cliste","earliest stop age if you cut the categories below":"an aois stoptha is luaithe má ghearrann tú na catagóirí thíos","age {a}":"aois {a}","now":"anois","Strong":"Láidir","Healthy":"Sláintiúil","Watch":"Faire","Weak":"Lag","Overall score":"Scór iomlán","Income":"Ioncam","Your net income is {r}× your spending.":"Is é do ghlanioncam {r}× do chaiteachas.","Savings rate":"Ráta coigiltis","You save {p} of your net income (aim for 15–20%).":"Coigleann tú {p} de do ghlanioncam (díriú ar 15–20%).","Debt":"Fiacha","Loan repayments take {p} of your net income (keep it under 10–15%).":"Tógann aisíocaíochtaí iasachta {p} de do ghlanioncam (coinnigh faoi 10–15% é).","No loan repayments besides your home.":"Gan aisíocaíochtaí iasachta seachas do theach.","Housing":"Tithíocht","Housing takes {p} of your net income (healthy up to about 28%).":"Tógann tithíocht {p} de do ghlanioncam (sláintiúil suas le thart ar 28%).","Emergency fund":"Ciste éigeandála","Your savings cover {m} months of spending (aim for 3–6).":"Clúdaíonn do choigilteas {m} mí caiteachais (díriú ar 3–6).","Retirement":"Scor","You could stop at {a}; the full state pension starts at {f}.":"D’fhéadfá stopadh ag {a}; tosaíonn an pinsean stáit iomlán ag {f}.","At this pace you would need to keep working past 75.":"Ag an luas seo bheadh ort leanúint ag obair tar éis 75.","Earliest stop, current habits":"An stop is luaithe, nósanna reatha","Earliest stop, smarter spending":"An stop is luaithe, caiteachas níos cliste","If you stop working today":"Má stopann tú ag obair inniu","Your test: stop at {a}":"Do thástáil: stop ag {a}","State pension from {a}: {v} net / month":"Pinsean stáit ó {a}: {v} glan / mí","No state pension: fewer than the minimum years of contributions":"Gan pinsean stáit: níos lú ná na blianta íosta ranníocaíochta","Money left at {p}: {v}":"Airgead fágtha ag {p}: {v}","Your savings last <b>1 year</b> (until age {a})":"Maireann do choigilteas <b>bliain</b> (go dtí aois {a})","Your savings last <b>{n} years</b> (until age {a})":"Maireann do choigilteas <b>{n} bliain</b> (go dtí aois {a})","Your savings and pension cover you <b>for life</b> (to {p})":"Clúdaíonn do choigilteas agus do phinsean tú <b>ar feadh an tsaoil</b> (go {p})","<b>Works</b>: your money lasts until {p}":"<b>Oibríonn sé</b>: maireann d’airgead go {p}","<b>Not enough</b>: money runs out at {a}. Save {m} more a month until then, or spend less.":"<b>Ní leor é</b>: ritheann an t-airgead amach ag {a}. Coigil {m} níos mó in aghaidh na míosa go dtí sin, nó caith níos lú.","Type an age in the Test box to check a stop age of your own.":"Clóscríobh aois sa bhosca Tástáil le d’aois stoptha féin a sheiceáil.","Current habits (stop at {a})":"Nósanna reatha (stop ag {a})","Smarter spending (stop at {a})":"Caiteachas níos cliste (stop ag {a})","Your test (stop at {a})":"Do thástáil (stop ag {a})","Keep working until the state pension ({a})":"Lean ort ag obair go dtí an pinsean stáit ({a})","Category":"Catagóir","You spend / month":"Caitheann tú / mí","% of net income":"% den ghlanioncam","Suggested ceiling":"Uasteorainn mholta","Possible saving / month":"Coigilt fhéideartha / mí","Over {n} years (with return)":"Thar {n} bliain (le toradh)","within":"laistigh","Suggested ceilings are common budgeting guidelines as a share of net income (in the spirit of the 50/30/20 rule: about half for needs, up to 30% for wants, at least 20% saved). Children: 6% per child, up to 18%. Cutting every category above its ceiling saves {m} a month: <b>{x}</b> after {n} years at your return, and you could stop working at <b>{a}</b> instead of {b}.":"Is treoirlínte buiséadaithe coitianta iad na huasteorainneacha molta mar sciar den ghlanioncam (de réir spiorad na rialach 50/30/20: thart ar leath do riachtanais, suas le 30% do mhianta, 20% ar a laghad coigilte). Leanaí: 6% in aghaidh an linbh, suas le 18%. Coigleann gearradh gach catagóire os cionn a huasteorann {m} in aghaidh na míosa: <b>{x}</b> tar éis {n} bliain ag do thoradh, agus d’fhéadfá stopadh ag obair ag <b>{a}</b> seachas {b}.","All your categories are within the suggested ceilings. Well done.":"Tá do chatagóirí ar fad laistigh de na huasteorainneacha molta. Maith thú.","<b>Target to stop today:</b> you would need about {v} in savings; you have {p} of it.":"<b>Sprioc le stopadh inniu:</b> theastódh thart ar {v} coigilteas uait; tá {p} de agat.","<b>Each {h} a month</b> you save from now on adds {v} by age {a} and moves your stop age to {s}.":"<b>Cuireann gach {h} in aghaidh na míosa</b> a choigleann tú as seo amach {v} leis faoi aois {a} agus bogann sé d’aois stoptha go {s}.","<b>Each {h} a month</b> you save from now on adds {v} by age {a}.":"<b>Cuireann gach {h} in aghaidh na míosa</b> a choigleann tú as seo amach {v} leis faoi aois {a}.","<b>Return matters:</b> earning 1 point more on your savings would let you stop at {s}.":"<b>Tá tábhacht leis an toradh:</b> le pointe amháin níos mó ar do choigilteas d’fhéadfá stopadh ag {s}.","<b>Pension gap:</b> your state pension covers {p} of your spending; the rest must come from savings.":"<b>Bearna pinsin:</b> clúdaíonn do phinsean stáit {p} de do chaiteachas; caithfidh an chuid eile teacht ó choigilteas.","<b>Spending less in retirement:</b> many people spend 20–30% less once work costs, loans and children stop. With 20% less after you stop, you could stop at {s}.":"<b>Níos lú a chaitheamh ar scor:</b> caitheann go leor daoine 20–30% níos lú nuair a stopann costais oibre, iasachtaí agus leanaí. Le 20% níos lú tar éis duit stopadh, d’fhéadfá stopadh ag {s}.","<b>Spending more than you earn:</b> you are using {v} of savings a month. Fix this first; nothing else works until it is positive.":"<b>Ag caitheamh níos mó ná a thuilleann tú:</b> tá {v} coigiltis á úsáid agat in aghaidh na míosa. Réitigh é seo ar dtús; ní oibríonn aon rud eile go dtí go bhfuil sé dearfach.","How it works: each year, savings grow at your real return, plus your net pay minus spending while you work; after you stop, spending is paid from savings and, once it starts, from the full state pension (claimed at the first age with no reduction, based on the years worked until you stop). Everything is in today’s money, with today’s tax and pension rules. Private pensions, property, inheritance and taxes on investment returns are not included. This is a planning estimate, not financial advice.":"Conas a oibríonn sé: gach bliain fásann coigilteas ag do thoradh réadach, móide do ghlanphá lúide caiteachas fad atá tú ag obair; tar éis duit stopadh, íoctar caiteachas ó choigilteas agus, nuair a thosaíonn sé, ón bpinsean stáit iomlán (éilithe ag an gcéad aois gan laghdú, bunaithe ar na blianta a oibríodh go dtí go stopann tú). Tá gach rud in airgead an lae inniu, le rialacha cánach agus pinsin an lae inniu. Níl pinsin phríobháideacha, maoin, oidhreacht ná cánacha ar thorthaí infheistíochta san áireamh. Is meastachán pleanála é seo, ní comhairle airgeadais.","Empty fields use what you entered in the Salary and Pension tabs (shown greyed); type a value to override it.":"Úsáideann réimsí folmha an méid a chuir tú isteach sna cluaisíní Tuarastal agus Pinsean (taispeánta i liath); clóscríobh luach lena athrú.","Typical rent in your area (optional)":"Cíos gnách i do cheantar (roghnach)","Spending falls from age":"Titeann caiteachas ó aois","…and again from age":"…agus arís ó aois","by (per month, today’s money)":"faoi (in aghaidh na míosa, airgead an lae inniu)","your local rent":"do chíos áitiúil","<b>Lower spending later:</b> from age {a} your spending falls by {v} a month in today’s money ({p} of today’s spending). This is included in all the results above.":"<b>Caiteachas níos ísle níos déanaí:</b> ó aois {a} titeann do chaiteachas {v} in aghaidh na míosa in airgead an lae inniu ({p} de chaiteachas an lae inniu). Tá sé seo san áireamh sna torthaí go léir thuas.","<b>How the ceilings work:</b> for needs (housing, food, transport, bills) the ceiling is the higher of the typical cost in your country and a share of your income (housing 28%, food 14%, transport 10%, bills 7%), so you are never asked to spend less than a typical household. Typical costs come only from open official statistics: Eurostat household budget survey (average spending on food, utilities, phone/internet and transport; rent paid by households renting at market price, using the EU-SILC share of renters), updated to 2026 with the price index of each category; for the UK, the ONS average private rent (August 2026) and ONS inflation. They are scaled to your household ({a} adult(s), {k} child(ren)) with the OECD equivalence scale; housing and utilities are scaled half as much because they have strong economies of scale. National averages include older, cheaper contracts: if rents where you live are higher, type the typical rent of your area. Wants (leisure 45%, vacations 35%, other 20%) share what is left after needs, loan repayments and a 10% saving, up to 30% of income; what you do not use in one goes to the others.":"<b>Conas a oibríonn na huasteorainneacha:</b> do riachtanais (tithíocht, bia, iompar, billí) is í an uasteorainn an ceann is airde den ghnáthchostas i do thír agus sciar de d’ioncam (tithíocht 28%, bia 14%, iompar 10%, billí 7%), mar sin ní iarrtar ort riamh níos lú a chaitheamh ná teaghlach gnách. Ní thagann gnáthchostais ach ó staitisticí oifigiúla oscailte: suirbhé buiséid teaghlaigh Eurostat (meánchaiteachas ar bhia, fóntais, fón/idirlíon agus iompar; cíos a íocann teaghlaigh a fhaigheann ar cíos ag praghas margaidh, ag úsáid sciar na dtionóntaí EU-SILC), nuashonraithe go 2026 le hinnéacs praghsanna gach catagóire; don RA, meánchíos príobháideach ONS (Lúnasa 2026) agus boilsciú ONS. Scálaítear iad le do theaghlach ({a} duine fásta, {k} leanbh) le scála coibhéise ECFE; scálaítear tithíocht agus fóntais leath chomh mór mar go bhfuil barainneachtaí scála láidre acu. Áiríonn meáin náisiúnta conarthaí níos sine níos saoire: má tá cíosanna níos airde san áit a bhfuil tú i do chónaí, clóscríobh gnáthchíos do cheantair. Roinneann mianta (fóillíocht 45%, laethanta saoire 35%, eile 20%) an méid a fhágtar tar éis riachtanais, aisíocaíochtaí iasachta agus coigilt 10%, suas le 30% den ioncam; téann an méid nach n-úsáideann tú i gceann amháin chuig na cinn eile.","Typical cost ({c})":"Gnáthchostas ({c})","{p} of net income":"{p} den ghlanioncam","typical cost in {c}":"gnáthchostas in {c}","{p} of your income":"{p} de d’ioncam","6% of income per child":"6% den ioncam in aghaidh an linbh","10% of income (debt limit)":"10% den ioncam (teorainn fiachais)","share of what is left":"sciar den mhéid atá fágtha","<b>Money for wants:</b> after needs, loan repayments and saving 10%, you have <b>{w}</b> a month for leisure, vacations and other spending.":"<b>Airgead do mhianta:</b> tar éis riachtanas, aisíocaíochtaí iasachta agus 10% a choigilt, tá <b>{w}</b> agat in aghaidh na míosa d’fhóillíocht, laethanta saoire agus caiteachas eile.","<b>Money for wants:</b> after needs, loan repayments and saving 10%, nothing is left, so the ceilings for leisure, vacations and other spending are 0.":"<b>Airgead do mhianta:</b> tar éis riachtanas, aisíocaíochtaí iasachta agus 10% a choigilt, níl aon rud fágtha, mar sin is 0 iad na huasteorainneacha d’fhóillíocht, laethanta saoire agus caiteachas eile.","Cutting every category above its ceiling saves {m} a month: <b>{x}</b> after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"Coigleann gearradh gach catagóire os cionn a huasteorann {m} in aghaidh na míosa: <b>{x}</b> tar éis {n} bliain, agus d’fhéadfá stopadh ag obair ag <b>{s2}</b> seachas {s1}.","My salary is":"Is é mo thuarastal","Gross (before tax)":"Comhlán (roimh cháin)","Net (what I receive, payslip)":"Glan (an méid a fhaighim, duillín pá)","Net / month now (payslip)":"Glan / mí anois (duillín pá)","Return on savings (% / year)":"Toradh ar choigilteas (% / bliain)","Expected inflation (% / year)":"Boilsciú ionchais (% / bliain)","Pay rise (% / year)":"Ardú pá (% / bliain)","Future money (with inflation)":"Airgead amach anseo (le boilsciú)","Today’s money":"Airgead an lae inniu","Expenses are in today’s money; every year they rise with inflation, also after you stop working, and so does the state pension. Your pay rises by the pay rise you enter and savings earn the return you enter. The planner uses the country, children and pension settings of the other tabs.":"Tá costais in airgead an lae inniu; gach bliain ardaíonn siad le boilsciú, fiú tar éis duit stopadh ag obair, agus ardaíonn an pinsean stáit freisin. Ardaíonn do phá leis an ardú pá a chuireann tú isteach agus tuilleann coigilteas an toradh a chuireann tú isteach. Úsáideann an pleanálaí socruithe tíre, leanaí agus pinsin na gcluaisíní eile.","from your net salary; ≈ {g} gross / month":"ó do thuarastal glan; ≈ {g} comhlán / mí","Money left at {p}: {v} ({r} in today’s money)":"Airgead fágtha ag {p}: {v} ({r} in airgead an lae inniu)","How it works: each year your savings earn the return you enter. While you work you add your net pay (rising by your pay rise) and pay your expenses (rising with inflation). After you stop, expenses keep rising with inflation and are paid from savings and, once it starts, from the full state pension, which also rises with inflation (claimed at the first age with no reduction, based on the years worked until you stop). If your pay rises faster than inflation, your pension is higher too. A return equal to inflation means your savings only keep their value. Today’s tax and pension rules; private pensions, property, inheritance and taxes on investment returns are not included. This is a planning estimate, not financial advice.":"Conas a oibríonn sé: gach bliain tuilleann do choigilteas an toradh a chuireann tú isteach. Fad atá tú ag obair cuireann tú do ghlanphá leis (ag ardú le d’ardú pá) agus íocann tú do chostais (ag ardú le boilsciú). Tar éis duit stopadh, leanann costais ag ardú le boilsciú agus íoctar iad ó choigilteas agus, nuair a thosaíonn sé, ón bpinsean stáit iomlán, a ardaíonn le boilsciú freisin (éilithe ag an gcéad aois gan laghdú, bunaithe ar na blianta a oibríodh go dtí go stopann tú). Má ardaíonn do phá níos tapúla ná boilsciú, bíonn do phinsean níos airde freisin. Ciallaíonn toradh cothrom le boilsciú nach gcoinníonn do choigilteas ach a luach. Rialacha cánach agus pinsin an lae inniu; níl pinsin phríobháideacha, maoin, oidhreacht ná cánacha ar thorthaí infheistíochta san áireamh. Is meastachán pleanála é seo, ní comhairle airgeadais.","purchasing power, in Greek euros":"cumhacht ceannaigh, in euro Gréagacha","nominal EUR":"EUR ainmniúla","Worked example: what the same salary really buys":"Sampla: cad a cheannaíonn an tuarastal céanna i ndáiríre","Greece is the reference: there you keep {gr} a year.":"Is í an Ghréig an tagairt: coinníonn tú {gr} in aghaidh na bliana ansin.","<b>{c}</b>: you keep {net}{fx}, {d} than in Greece. Prices are {pd} (price level {pl} vs {pgr}), so this buys what <b>{pp}</b> buys in Greece: {ppd} purchasing power.":"<b>{c}</b>: coinníonn tú {net}{fx}, {d} ná sa Ghréig. Tá praghsanna {pd} (leibhéal praghsanna {pl} i gcoinne {pgr}), mar sin ceannaíonn sé seo an méid a cheannaíonn <b>{pp}</b> sa Ghréig: {ppd} cumhacht ceannaigh."," (= {eur} at {rate} £ per €)":" (= {eur} ag {rate} £ in aghaidh an €)"," (= {eur} at {rate} per €)":" (= {eur} ag {rate} in aghaidh an €)","{x} more":"{x} níos mó","{x} less":"{x} níos lú","{x} higher":"{x} níos airde","{x} lower":"{x} níos ísle","Bottom line: on this salary {best} gives the most purchasing power and {worst} the least.":"Bunlíne: ar an tuarastal seo tugann {best} an chumhacht ceannaigh is mó agus {worst} an chuid is lú.","Highest purchasing power":"An chumhacht ceannaigh is airde"," / year in Greek euros":" / bliain in euro Gréagacha","Gross used":"Comhlán úsáidte","per year in every country":"in aghaidh na bliana i ngach tír","Cheapest country":"An tír is saoire","price level ":"leibhéal praghsanna","Annual pay split by country":"Pá bliantúil roinnte de réir tíre","Net / payment":"Glan / íocaíocht","Net in EUR":"Glan in EUR","Price level":"Leibhéal praghsanna","Purchasing power (Greek €)":"Cumhacht ceannaigh (€ Gréagach)","Employer cost (EUR)":"Costas fostóra (EUR)","Gross for same buying power as Greece":"Comhlán don chumhacht ceannaigh chéanna leis an nGréig","Highest pension (buying power)":"An pinsean is airde (cumhacht ceannaigh)"," / month in Greek euros":" / mí in euro Gréagacha","at age ":"ag aois","Career assumed":"Saol oibre glactha","Pensions side by side":"Pinsin taobh le taobh","Payments":"Íocaíochtaí","Buying power / month (Greek €)":"Cumhacht ceannaigh / mí (€ Gréagach)","age ":"aois","Same career in every country: the gross salary on the left converted at each country’s usual number of payments, past years at the chosen % of today’s pay. \"Earliest full-pension age\" is the first age without an early-retirement cut (Greece 62 with 40 years or 67; Germany 67 or 65 with 45 years; Italy 67 or with 42y10m; Spain 65 with 38.5 years or 67; UK State Pension age 67/68). Amounts in today’s money. UK contributions are National Insurance, which also funds other benefits.":"An saol oibre céanna i ngach tír: an tuarastal comhlán ar chlé aistrithe go gnáthlíon íocaíochtaí gach tíre, blianta roimhe ag an % roghnaithe de phá an lae inniu. Is í \"aois pinsin iomláin is luaithe\" an chéad aois gan gearradh luathscoir (an Ghréig 62 le 40 bliain nó 67; an Ghearmáin 67 nó 65 le 45 bliain; an Iodáil 67 nó le 42b10m; an Spáinn 65 le 38.5 bliain nó 67; aois State Pension na RA 67/68). Méideanna in airgead an lae inniu. Is Árachas Náisiúnta iad ranníocaíochtaí na RA, a mhaoiníonn sochair eile freisin.","Net pension / year":"Glanphinsean / bliain","none (full severance instead)":"dada (iomarcaíocht iomlán ina ionad)","Settlement 0.5 month’s pay per year (customary, not a legal right)":"Socrú 0.5 mí pá in aghaidh na bliana (gnách, ní ceart dlíthiúil)","TFR (accrued deferred pay) + 1 month’s notice in lieu; no extra indemnity for a justified dismissal":"TFR (pá iarchurtha fabhraithe) + mí fógra íoctha ina ionad; gan cúiteamh breise do dhífhostú údaraithe","by CCNL, ~1 month":"de réir CCNL, ~mí","mo":"m","£95.55/wk × 26":"£95.55/seacht. × 26","Most protective":"An chosaint is mó"," incl. unemployment benefit, Greek €":" sochar dífhostaíochta san áireamh, € Gréagach"," years":" bliain","no-fault dismissal by the employer":"dífhostú ag an bhfostóir gan locht","What you get when dismissed":"An méid a fhaigheann tú nuair a dhífhostaítear thú","Termination side by side":"Deireadh fostaíochta taobh le taobh","Severance rule":"Riail iomarcaíochta","Severance net":"Iomarcaíocht glan","= months of gross pay":"= míonna pá chomhláin","Unused leave, net":"Saoire nár glacadh, glan","Unemployment benefit (total)":"Sochar dífhostaíochta (iomlán)","Total in Greek €":"Iomlán in € Gréagach","A no-fault dismissal by the employer in each country: Greece without notice; Germany with the customary settlement; Italy a justified objective dismissal (TFR is deferred pay you earned anyway); Spain an objective dismissal; UK redundancy. Unfair dismissals pay more (Spain 33 days/year, Italy 6–36 months). Unemployment benefits are estimates and need enough contributions.":"Dífhostú gan locht ag an bhfostóir i ngach tír: an Ghréig gan fógra; an Ghearmáin leis an ngnáthshocrú; an Iodáil dífhostú oibiachtúil údaraithe (is pá iarchurtha é TFR a thuill tú cibé ar bith); an Spáinn dífhostú oibiachtúil; an RA iomarcaíocht. Íocann dífhostuithe éagóracha níos mó (an Spáinn 33 lá/bliain, an Iodáil 6–36 mhí). Is meastacháin iad sochair dhífhostaíochta agus teastaíonn go leor ranníocaíochtaí.","Unused leave":"Saoire nár glacadh","17 weeks full pay + 9 months at minimum wage":"17 seachtaine pá iomlán + 9 mí ag pá íosta","14 working days, full pay":"14 lá oibre, pá iomlán","4 months per parent until 8 (2 paid at minimum wage)":"4 mhí in aghaidh an tuismitheora go 8 (2 íoctha ag pá íosta)","First 3 days 50%, then EFKA benefit + employer top-up":"An chéad 3 lá 50%, ansin sochar EFKA + barr ón bhfostóir","14 weeks full net pay (Mutterschutz)":"14 seachtaine glanphá iomlán (Mutterschutz)","No separate leave; 2 partner months of Elterngeld":"Gan saoire ar leith; 2 mhí Elterngeld don pháirtí","Up to 3 years each; Elterngeld 65–67% of net for 12–14 months (max €1,800)":"Suas le 3 bliana an duine; Elterngeld 65–67% den ghlan ar feadh 12–14 mhí (uas. €1,800)","6 weeks at 100% from employer, then 70% (Krankengeld)":"6 seachtaine ag 100% ón bhfostóir, ansin 70% (Krankengeld)","5 months at 80% (often 100% by CCNL)":"5 mhí ag 80% (100% go minic le CCNL)","10 working days at 100%":"10 lá oibre ag 100%","Up to 10–11 months shared until 12; 3 at 80%, rest 30%":"Suas le 10–11 mhí roinnte go 12; 3 ag 80%, an chuid eile 30%","INPS 50–66% + employer top-up (often 100%)":"INPS 50–66% + barr ón bhfostóir (100% go minic)","19 weeks at 100% (each parent)":"19 seachtaine ag 100% (gach tuismitheoir)","19 weeks at 100% (same as mother)":"19 seachtaine ag 100% (mar an gcéanna leis an máthair)","8 weeks unpaid until 8":"8 seachtaine gan phá go 8","60% days 4–20, 75% from day 21 (often topped up)":"60% laethanta 4–20, 75% ó lá 21 (barr go minic)","52 weeks: 6 at 90%, 33 at £194.32/week, 13 unpaid":"52 seachtain: 6 ag 90%, 33 ag £194.32/seachtain, 13 gan phá","2 weeks at £194.32/week":"2 sheachtain ag £194.32/seachtain","Shared parental up to 50 weeks; 18 weeks unpaid per child until 18":"Saoire tuismitheora roinnte suas le 50 seachtain; 18 seachtaine gan phá in aghaidh an linbh go 18","£123.25 a week (SSP)":"£123.25 sa tseachtain (SSP)","Most paid days off (legal minimum)":"An líon is mó laethanta saor íoctha (íosmhéid dlíthiúil)"," days incl. holidays":" lá le laethanta saoire poiblí","Longest paid birth leave":"An tsaoire bhreithe íoctha is faide","for the mother":"don mháthair","Leave side by side":"Saoire taobh le taobh","Annual leave, legal minimum (5-day week)":"Saoire bhliantúil, íosmhéid dlíthiúil (seachtain 5 lá)","typical ":"gnách","after ":"tar éis","incl. bank holidays":"laethanta saoire bainc san áireamh","Public holidays on weekdays":"Laethanta saoire poiblí ar laethanta oibre","can be inside the 28":"is féidir go mbeidís laistigh den 28","Total paid days off":"Laethanta saor íoctha san iomlán","Maternity":"Máithreachas","Father / partner":"Athair / páirtí","Legal minimums for a 5-day week; contracts and collective agreements often give more (Germany typically 30 days, Italy 22–26 plus ROL hours). National holidays only: German states, Spanish regions and Italian cities add 1–4 local days.":"Íosmhéideanna dlíthiúla do sheachtain 5 lá; tugann conarthaí agus comhaontuithe comhchoiteanna níos mó go minic (an Ghearmáin 30 lá de ghnáth, an Iodáil 22–26 móide uaireanta ROL). Laethanta saoire náisiúnta amháin: cuireann stáit na Gearmáine, réigiúin na Spáinne agus cathracha na hIodáile 1–4 lá áitiúla leis.","Public holidays":"Laethanta saoire poiblí","Most money left after housing":"An méid airgid is mó fágtha tar éis tithíochta"," / month in Greek prices":" / mí i bpraghsanna Gréagacha","Highest housing burden":"An t-ualach tithíochta is airde"," of net pay goes to housing":" den ghlanphá téann sé chuig tithíocht","adults + children":"daoine fásta + leanaí","Money left each month after rent and bills, in Greek prices":"Airgead fágtha gach mí tar éis cíosa agus billí, i bpraghsanna Gréagacha","Countries side by side (per month)":"Tíortha taobh le taobh (in aghaidh na míosa)","Typical rent":"Cíos gnách","Utilities, phone, internet":"Fóntais, fón, idirlíon","Left after housing":"Fágtha tar éis tithíochta","Housing % of net":"Tithíocht % den ghlan","Price level (EU=100)":"Leibhéal praghsanna (AE=100)","Left, in Greek prices":"Fágtha, i bpraghsanna Gréagacha","Typical national costs from open official statistics only: average rent paid by renting households and spending on utilities, phone and internet (Eurostat household budget survey and EU-SILC, updated to 2026 prices with each category’s price index; UK: ONS average private rent), scaled to the household on the left. Price levels: Eurostat 2024. Non-euro amounts are converted at ECB reference rates of 5 October 2026. Big cities, especially their rents, are usually more expensive than these national averages.":"Gnáthchostais náisiúnta ó staitisticí oifigiúla oscailte amháin: meánchíos a íocann teaghlaigh ar cíos agus caiteachas ar fhóntais, fón agus idirlíon (suirbhé buiséid teaghlaigh Eurostat agus EU-SILC, nuashonraithe go praghsanna 2026 le hinnéacs praghsanna gach catagóire; an RA: meánchíos príobháideach ONS), scálaithe don teaghlach ar chlé. Leibhéil phraghsanna: Eurostat 2024. Aistrítear méideanna nach in euro iad ag rátaí tagartha BCE an 5 Deireadh Fómhair 2026. Is daoire de ghnáth cathracha móra, go háirithe a gcíosanna, ná na meáin náisiúnta seo.","Left after housing (EUR)":"Fágtha tar éis tithíochta (EUR)","Same, in Greek prices":"Mar an gcéanna, i bpraghsanna Gréagacha","Benefits":"Sochair","Wage tax + Soli, €30,000, class I":"Cáin phá + Soli, €30,000, aicme I","Wage tax + Soli, €54,000, class I":"Cáin phá + Soli, €54,000, aicme I","Wage tax + Soli, €80,000, class I":"Cáin phá + Soli, €80,000, aicme I","Wage tax + Soli, €120,000, class I":"Cáin phá + Soli, €120,000, aicme I","Wage tax, €54,000, class III":"Cáin phá, €54,000, aicme III","Wage tax, €54,000, class I, 1 child":"Cáin phá, €54,000, aicme I, leanbh amháin","Taxable €20,000, no children":"Inchánach €20,000, gan leanaí","Taxable €20,000, 2 children":"Inchánach €20,000, 2 leanbh","Taxable €30,000, 1 child":"Inchánach €30,000, leanbh amháin","Taxable €30,000, 4 children":"Inchánach €30,000, 4 leanbh","Taxable €50,000, no children":"Inchánach €50,000, gan leanaí","Taxable €30,000, age 24":"Inchánach €30,000, aois 24","Income tax + NI, £42,000":"Cáin ioncaim + NI, £42,000","Income tax + NI, £110,000 (allowance taper)":"Cáin ioncaim + NI, £110,000 (laghdú liúntais)","INPS employee, RAL €35,000":"INPS fostaí, RAL €35,000","Employee social security, €30,000":"Slándáil shóisialta fostaí, €30,000","Employee social insurance, €54,000, childless":"Árachas sóisialta fostaí, €54,000, gan leanaí","Net pay, RAL €35,000 (surcharges 1.43% + 0.8%)":"Glanphá, RAL €35,000 (forchánacha 1.43% + 0.8%)","National pension, 20+ years, 40 years in Greece":"Pinsean náisiúnta, 20+ bliain, 40 bliain sa Ghréig","National pension, 15 years":"Pinsean náisiúnta, 15 bliana","Standard pension: 45 years at average pay, age 67 (gross / month)":"Pinsean caighdeánach: 45 bliain ag meánphá, aois 67 (comhlán / mí)","Yearly pension from €100,000 notional capital at 67":"Pinsean bliantúil ó €100,000 caipiteal barúlach ag 67","Maximum pension 2026 (high earner, 45 years)":"Uasphinsean 2026 (tuillteoir ard, 45 bliain)","100% of the base with 37 years (base €2,000)":"100% den bhonn le 37 bliain (bonn €2,000)","Full new State Pension, 35 years (per year)":"New State Pension iomlán, 35 bliain (in aghaidh na bliana)","Wage tax, €20,000, class I":"Cáin phá, €20,000, aicme I","Wage tax, €40,000, class I":"Cáin phá, €40,000, aicme I","Wage tax, €65,000, class I":"Cáin phá, €65,000, aicme I","Wage tax + Soli, €100,000, class I":"Cáin phá + Soli, €100,000, aicme I","Wage tax + Soli, €250,000, class I (45% band)":"Cáin phá + Soli, €250,000, aicme I (banda 45%)","Wage tax, €40,000, class II, 1 child":"Cáin phá, €40,000, aicme II, leanbh amháin","Wage tax, €80,000, class III, 2 children (care-insurance child discount)":"Cáin phá, €80,000, aicme III, 2 leanbh (lascaine leanaí árachais cúraim)","Taxable €10,000, no children":"Inchánach €10,000, gan leanaí","Taxable €20,000, 3 children":"Inchánach €20,000, 3 leanbh","Taxable €40,000, 2 children":"Inchánach €40,000, 2 leanbh","Taxable €50,000, 4 children":"Inchánach €50,000, 4 leanbh","Taxable €20,000, age 24":"Inchánach €20,000, aois 24","Work-income reduction at €20,000 gross":"Laghdú ioncaim oibre ag €20,000 comhlán","Low-wage deduction at €17,276 gross":"Asbhaint ísealphá ag €17,276 comhlán","Employer NI, £42,000":"NI fostóra, £42,000","Employee EFKA 13.37%, €1,500 × 14":"EFKA fostaí 13.37%, €1,500 × 14","Monthly EFKA at the €7,761.94 ceiling (gross €10,000)":"EFKA míosúil ag an uasteorainn €7,761.94 (comhlán €10,000)","INPS employee, RAL €25,000":"INPS fostaí, RAL €25,000","INPS employee, RAL €50,000":"INPS fostaí, RAL €50,000","Employee social security, €20,000":"Slándáil shóisialta fostaí, €20,000","Employee social security, €50,000":"Slándáil shóisialta fostaí, €50,000","Net pay, RAL €25,000 (Bari)":"Glanphá, RAL €25,000 (Bari)","Net pay, RAL €50,000 (Milan)":"Glanphá, RAL €50,000 (Milano)","Early pension at 62 with 15 years: lifelong cut":"Luathphinsean ag 62 le 15 bliana: gearradh saoil","Full pension at 62 with 40 years: cut":"Pinsean iomlán ag 62 le 40 bliain: gearradh","Early pension at 63 with 35 years: cut":"Luathphinsean ag 63 le 35 bliain: gearradh","15 years of contributions: 50% of the base (base €2,000)":"15 bliana ranníocaíochtaí: 50% den bhonn (bonn €2,000)","State Pension with 10 qualifying years (per year)":"State Pension le 10 mbliana cáilitheacha (in aghaidh na bliana)","Group pension, lump sum after 25 years: tax rate":"Pinsean grúpa, cnapshuim tar éis 25 bliain: ráta cánach","Group pension, monthly pension after 12 years: tax rate":"Pinsean grúpa, pinsean míosúil tar éis 12 bhliain: ráta cánach","Group pension, early lump sum after 3 years: tax rate":"Pinsean grúpa, cnapshuim luath tar éis 3 bliana: ráta cánach","Severance after 3 years (months of pay)":"Iomarcaíocht tar éis 3 bliana (míonna pá)","Severance after 16+ years (months of pay)":"Iomarcaíocht tar éis 16+ bliain (míonna pá)","Maximum statutory redundancy pay":"Uasmhéid pá iomarcaíochta reachtúla","NASpI monthly maximum":"Uasmhéid míosúil NASpI","Kindergeld, 2 children (per year)":"Kindergeld, 2 leanbh (in aghaidh na bliana)","Child benefit, 2 children (per year)":"Sochar leanaí, 2 leanbh (in aghaidh na bliana)","Checks passed":"Seiceálacha a d’éirigh leo","within €25 or 0.5% of the official figure":"laistigh de €25 nó 0.5% den fhigiúr oifigiúil","Largest difference":"An difríocht is mó","per year":"in aghaidh na bliana","Areas covered":"Réimsí clúdaithe","tax, contributions, net pay, state and private pensions, termination, benefits":"cáin, ranníocaíochtaí, glanphá, pinsin stáit agus phríobháideacha, deireadh fostaíochta, sochair","Accuracy checks against official sources":"Seiceálacha cruinnis i gcoinne foinsí oifigiúla","Case (2026)":"Cás (2026)","Official":"Oifigiúil","This app":"An aip seo","Source":"Foinse","Pensions: official 2026 amounts (Greek national pension, German pension value, Italian transformation coefficients, Spanish maximum pension and scale, UK State Pension). Germany tax: official BMF wage-tax interface (Lohnsteuer 2026). Greece: tax table for Law 5246/2025. Italy and Spain: published 2026 calculations (Spain on the general scale; Spanish payroll withholding can differ slightly from the final annual tax). UK: HMRC 2026/27 rates applied by hand. Data last checked October 2026. Social-security rates, ceilings and pension rules were checked separately against 2026 official notices (see each country’s rules).":"Pinsin: méideanna oifigiúla 2026 (pinsean náisiúnta na Gréige, luach pinsin na Gearmáine, comhéifeachtaí claochlaithe na hIodáile, uasphinsean agus scála na Spáinne, State Pension na RA). Cáin na Gearmáine: comhéadan oifigiúil cánach pá BMF (Lohnsteuer 2026). An Ghréig: tábla cánach do Dhlí 5246/2025. An Iodáil agus an Spáinn: ríomhanna foilsithe 2026 (an Spáinn ar an scála ginearálta; féadfaidh coinneáil siar párolla na Spáinne a bheith beagán difriúil ón gcáin bhliantúil dheiridh). An RA: rátaí HMRC 2026/27 curtha i bhfeidhm de láimh. Sonraí seiceáilte go deireanach Deireadh Fómhair 2026. Seiceáladh rátaí slándála sóisialta, uasteorainneacha agus rialacha pinsin ar leithligh i gcoinne fógraí oifigiúla 2026 (féach rialacha gach tíre).","New-resident regimes applied: Greece art. 5C (income tax on 50% of pay, 7 years), Italy impatriati (50% exempt, 60% with a minor child, 5 years), Spain Beckham law (flat 24%, 6 years). Germany has no such regime; the UK taxes UK work in full (its 4-year regime covers foreign income and up to 30% of pay for workdays abroad). Conditions apply, e.g. not tax-resident there in recent years.":"Córais do chónaitheoirí nua curtha i bhfeidhm: an Ghréig alt 5C (cáin ioncaim ar 50% den phá, 7 mbliana), an Iodáil impatriati (50% díolmhaithe, 60% le leanbh mionaoiseach, 5 bliana), an Spáinn dlí Beckham (24% cothrom, 6 bliana). Níl a leithéid de chóras ag an nGearmáin; gearrann an RA cáin iomlán ar obair sa RA (clúdaíonn a córas 4 bliana ioncam eachtrach agus suas le 30% den phá do laethanta oibre thar lear). Tá coinníollacha i gceist, m.sh. gan a bheith i do chónaí ansin chun críocha cánach le blianta beaga anuas.","Estimates for guidance only, using 2026 rules for {c}. {caveat} For exact figures, check your payslip or a tax adviser. {res}":"Meastacháin le haghaidh treorach amháin, le rialacha 2026 do {c}. {caveat} Le haghaidh figiúirí beachta, féach ar do dhuillín pá nó labhair le comhairleoir cánach. {res}","Estimates for guidance only. Overtime premiums usually come from your contract or collective agreement, so enter yours; tax is estimated at your 2026 marginal rate for {c}. {res}":"Meastacháin le haghaidh treorach amháin. Tagann préimheanna ragoibre de ghnáth ó do chonradh nó ó chomhaontú comhchoiteann, mar sin cuir isteach do chuid féin; meastar cáin ag do ráta imeallach 2026 do {c}. {res}","Simplified comparison using 2026 rules for {c}. Real business costs, VAT, tax prepayments and payment timing are not modelled, and freelancers give up paid leave, sick pay and dismissal protection. Talk to an accountant before switching. {res}":"Comparáid shimplithe le rialacha 2026 do {c}. Ní ríomhtar fíorchostais ghnó, CBL, réamhíocaíochtaí cánach ná uainiú íocaíochtaí, agus tugann saoroibrithe suas saoire íoctha, pá breoiteachta agus cosaint ar dhífhostú. Labhair le cuntasóir sula n-athraíonn tú. {res}","Projection under current law for {c}, in today’s money. Pension rules change often; past earnings, life expectancy and indexation are simplified, and transitional rules for older workers are not modelled. Check your official pension record. {res}":"Réamh-mheastachán faoin dlí reatha do {c}, in airgead an lae inniu. Athraíonn rialacha pinsin go minic; simplítear tuilleamh roimhe seo, ionchas saoil agus innéacsú, agus ní ríomhtar rialacha idirthréimhseacha d’oibrithe níos sine. Seiceáil do thaifead oifigiúil pinsin. {res}","Illustration only: the plan return is your assumption after fees and is not guaranteed. Tax limits are 2026 values for {c}; tax on payouts depends on your income in retirement. Check your plan’s rules with HR or the provider. {res}":"Léiriú amháin: is toimhde uait toradh an phlean tar éis táillí agus níl sé ráthaithe. Is luachanna 2026 do {c} iad teorainneacha cánach; braitheann cáin ar íocaíochtaí amach ar d’ioncam ar scor. Seiceáil rialacha do phlean le AD nó leis an soláthraí. {res}","Legal minimums for {c}; contracts and collective agreements often give more, and regional or local holidays are not all listed. {res}":"Íosmhéideanna dlíthiúla do {c}; tugann conarthaí agus comhaontuithe comhchoiteanna níos mó go minic, agus níl gach lá saoire réigiúnach ná áitiúil liostaithe. {res}","Estimates for a standard indefinite contract in {c}. Actual amounts depend on your contract, collective agreement, the reason for dismissal and any settlement; unemployment benefits need enough contributions. Get advice early: deadlines are short. {res}":"Meastacháin do ghnáthchonradh éiginnte in {c}. Braitheann méideanna iarbhír ar do chonradh, ar chomhaontú comhchoiteann, ar chúis an dífhostaithe agus ar aon socrú; teastaíonn go leor ranníocaíochtaí do shochair dhífhostaíochta. Faigh comhairle go luath: tá na spriocdhátaí gearr. {res}","Monthly wage tax follows the official 2026 formula (checked against the BMF calculator); your annual tax return can differ. Private health insurance, Saxony’s care rate, company cars and other benefits in kind are not modelled.":"Leanann cáin phá mhíosúil an fhoirmle oifigiúil 2026 (seiceáilte i gcoinne áireamhán BMF); féadfaidh do thuairisceán cánach bliantúil a bheith difriúil. Ní ríomhtar árachas sláinte príobháideach, ráta cúraim na Sacsaine, carranna comhlachta ná sochair chomhchineáil eile.","Regional and municipal surcharges vary by place; deductions for dependants, Assegno Unico and benefits in kind are not modelled, and payroll spreads the tax over the months differently.":"Athraíonn forchánacha réigiúnacha agus bardasacha de réir áite; ní ríomhtar asbhaintí do chleithiúnaithe, Assegno Unico ná sochair chomhchineáil, agus scaipeann párolla an cháin thar na míonna ar bhealach eile.","Only the general, Madrid and Catalonia scales are included; other regions differ slightly. Payroll withholding (retenciones) can differ from the final annual tax settled in your return.":"Níl ach na scálaí ginearálta, Mhaidrid agus na Catalóine san áireamh; tá réigiúin eile beagán difriúil. Féadfaidh coinneáil siar párolla (retenciones) a bheith difriúil ón gcáin bhliantúil dheiridh i do thuairisceán.","Rates for England, Wales and Northern Ireland. Scotland, student loans, pension contributions and benefits in kind are not included, and your tax code can change monthly deductions.":"Rátaí do Shasana, don Bhreatain Bheag agus do Thuaisceart Éireann. Níl Albain, iasachtaí mac léinn, ranníocaíochtaí pinsin ná sochair chomhchineáil san áireamh, agus féadfaidh do chód cánach asbhaintí míosúla a athrú.","Official sources: BMF Lohnsteuerrechner, Deutsche Rentenversicherung (Renteninformation), Bundesagentur für Arbeit.":"Foinsí oifigiúla: BMF Lohnsteuerrechner, Deutsche Rentenversicherung (Renteninformation), Bundesagentur für Arbeit.","Official sources: Agenzia delle Entrate, INPS (estratto conto contributivo, simulator “La mia pensione futura”).":"Foinsí oifigiúla: Agenzia delle Entrate, INPS (estratto conto contributivo, insamhlóir “La mia pensione futura”).","Official sources: Agencia Tributaria (withholding simulator), Seguridad Social (Tu Seguridad Social), SEPE.":"Foinsí oifigiúla: Agencia Tributaria (insamhlóir coinneála siar), Seguridad Social (Tu Seguridad Social), SEPE.","Official sources: GOV.UK (HMRC tax calculator, Check your State Pension forecast) and Acas for employment rights.":"Foinsí oifigiúla: GOV.UK (áireamhán cánach HMRC, Check your State Pension forecast) agus Acas do chearta fostaíochta.","Old-age insurance 6.90% + 0.40%":"Árachas seanaoise 6.90% + 0.40%","Supplementary pension AGIRC-ARRCO (incl. CEG/CET)":"Pinsean forlíontach AGIRC-ARRCO (CEG/CET san áireamh)","CSG and CRDS 9.7% (on 98.25% of pay)":"CSG agus CRDS 9.7% (ar 98.25% den phá)","Company health plan (mutuelle), your half":"Plean sláinte cuideachta (mutuelle), do leath","Income tax (scale, withheld at source)":"Cáin ioncaim (scála, coinnithe siar ag an bhfoinse)","Family allowance (paid separately)":"Liúntas teaghlaigh (íoctha ar leithligh)","Micro-entrepreneur contributions (URSSAF)":"Ranníocaíochtaí micrifhiontraí (URSSAF)","by collective agreement":"de réir comhaontaithe chomhchoitinn","worked or paid":"oibrithe nó íoctha","1–3 months (agreement)":"1–3 mhí (comhaontú)","Legal severance":"Iomarcaíocht dhlíthiúil","France":"An Fhrainc","Tax household":"Teaghlach cánach","Single":"Singil","Married or PACS, sole earner":"Pósta nó PACS, aon tuillteoir","Company health plan total / month (half paid by employer)":"Plean sláinte cuideachta iomlán / mí (leath íoctha ag an bhfostóir)","Executive status (cadre)":"Stádas feidhmeannaigh (cadre)","Activity":"Gníomhaíocht","Liberal profession (BNC)":"Gairm shaor (BNC)","Services (BIC)":"Seirbhísí (BIC)","Sales (BIC)":"Díolacháin (BIC)","Flat income-tax option (versement libératoire)":"Rogha cánach ioncaim chothrom (versement libératoire)","2026 scale (2025 income): 0% to €11,600, 11% to €29,579, 30% to €84,577, 41% to €181,917, 45% above, per tax share after a 10% expense allowance (€509–14,555). Family quotient: 1 share per adult, ½ for each of the first two children, 1 from the third, capped at €1,807 per half share; low-tax reduction (décote) below €1,982 of tax for a single person. Withheld monthly at source.":"Scála 2026 (ioncam 2025): 0% go €11,600, 11% go €29,579, 30% go €84,577, 41% go €181,917, 45% os a chionn, in aghaidh sciar cánach tar éis liúntas costas 10% (€509–14,555). Comhrann teaghlaigh: sciar amháin in aghaidh an duine fhásta, ½ do gach ceann den chéad bheirt leanaí, 1 ón tríú ceann, teoranta do €1,807 in aghaidh leathscéire; laghdú cánach ísle (décote) faoi €1,982 cánach do dhuine singil. Coinnithe siar go míosúil ag an bhfoinse.","Social contributions":"Ranníocaíochtaí sóisialta","Employee about 22%: old-age 6.90% up to the ceiling (€4,005/month) + 0.40%, AGIRC-ARRCO 4.01% (10.80% above the ceiling incl. CEG), CSG/CRDS 9.7% on 98.25% of pay, plus half the company health plan. Employer about 43% before the 2026 general reduction (RGDU), which removes up to 39.81 points at the minimum wage and fades out at 3× it (€5,469/month).":"Fostaí thart ar 22%: seanaois 6.90% suas go dtí an uasteorainn (€4,005/mí) + 0.40%, AGIRC-ARRCO 4.01% (10.80% os cionn na huasteorann le CEG), CSG/CRDS 9.7% ar 98.25% den phá, móide leath an phlean sláinte cuideachta. Fostóir thart ar 43% roimh laghdú ginearálta 2026 (RGDU), a bhaineann suas le 39.81 pointe ag an bpá íosta agus a imíonn ag 3 oiread de (€5,469/mí).","Family":"Teaghlach","Family allowance from the 2nd child: €152.25/month for 2 children, €347.32 for 3 (April 2026), lower for higher incomes. Calculated for one taxpayer; married couples file jointly.":"Liúntas teaghlaigh ón dara leanbh: €152.25/mí do 2 leanbh, €347.32 do 3 (Aibreán 2026), níos lú d’ioncaim níos airde. Ríomhtha d’íocóir cánach amháin; déanann lánúineacha pósta comhdhéanamh comhpháirteach.","Legal premiums":"Préimheanna dlíthiúla","Hours beyond 35 a week: +25% for the first 8 (36th to 43rd hour), +50% beyond, unless an agreement sets at least +10%. Usual annual quota 220 hours; max 48 hours in a week and 44 on average over 12 weeks.":"Uaireanta os cionn 35 sa tseachtain: +25% don chéad 8 (36ú go 43ú uair), +50% ina dhiaidh sin, mura leagann comhaontú síos +10% ar a laghad. Cuóta bliantúil gnách 220 uair; uas. 48 uair i seachtain agus 44 ar an meán thar 12 sheachtain.","Tax-free overtime":"Ragobair saor ó cháin","Overtime pay is exempt from income tax up to €7,500 net a year, and employee pension contributions on it are cut by 11.31%. Both are applied here.":"Tá pá ragoibre díolmhaithe ó cháin ioncaim suas le €7,500 glan in aghaidh na bliana, agus gearrtar ranníocaíochtaí pinsin an fhostaí air faoi 11.31%. Cuirtear an dá cheann i bhfeidhm anseo.","220 h / year (quota)":"220 u / bliain (cuóta)","Contributions on turnover: 25.6% liberal professions (BNC), 21.2% services, 12.3% sales (2026), plus 0.1–0.3% training. Income tax on turnover minus a flat allowance of 34%, 50% or 71%, or optionally a flat 2.2%, 1.7% or 1% of turnover. Turnover caps €83,600 (services, BNC) and €203,100 (sales). Real costs are not deductible. No VAT below the VAT threshold.":"Ranníocaíochtaí ar láimhdeachas: 25.6% gairmeacha saora (BNC), 21.2% seirbhísí, 12.3% díolacháin (2026), móide 0.1–0.3% oiliúint. Cáin ioncaim ar láimhdeachas lúide liúntas cothrom 34%, 50% nó 71%, nó go roghnach 2.2%, 1.7% nó 1% cothrom den láimhdeachas. Teorainneacha láimhdeachais €83,600 (seirbhísí, BNC) agus €203,100 (díolacháin). Ní féidir fíorchostais a asbhaint. Gan CBL faoin tairseach.","Basic pension (CNAV)":"Bunphinsean (CNAV)","Average of your best 25 years (capped at the social-security ceiling) × 50% × quarters insured ÷ quarters required. Each missing quarter cuts the 50% by 0.625 points (max 20 quarters), unless you claim at 67. Quarters beyond the requirement after the legal age add 1.25% each.":"Meán do 25 bliana is fearr (teoranta d’uasteorainn na slándála sóisialta) × 50% × ráithí árachaithe ÷ ráithí riachtanacha. Gearrann gach ráithe atá in easnamh an 50% faoi 0.625 pointe (uas. 20 ráithe), mura n-éilíonn tú ag 67. Cuireann ráithí os cionn an riachtanais tar éis na haoise dlíthiúla 1.25% leis an gceann.","Ages after the 2026 suspension":"Aoiseanna tar éis fhionraí 2026","The 2023 reform is suspended until January 2028 (LFSS 2026): legal age 62y9m for those born in 1964, about 63 for 1965, 63y3m for 1966, 63y6m for 1967, 63y9m for 1968, 64 later under current law; 170 quarters for 1964, 171 for 1965, 172 from 1966. Full rate automatically at 67.":"Tá athchóiriú 2023 ar fionraí go Eanáir 2028 (LFSS 2026): aois dhlíthiúil 62b9m dóibh siúd a rugadh in 1964, thart ar 63 do 1965, 63b3m do 1966, 63b6m do 1967, 63b9m do 1968, ansin 64 faoin dlí reatha; 170 ráithe do 1964, 171 do 1965, 172 ó 1966. Ráta iomlán go huathoibríoch ag 67.","Supplementary pension (AGIRC-ARRCO)":"Pinsean forlíontach (AGIRC-ARRCO)","Points = 6.20% of pay up to the ceiling + 17% above, ÷ €20.1877; each point pays €1.4386 a year (frozen until October 2026). Net of CSG, CRDS and CASA (about 9.1%) and income tax.":"Pointí = 6.20% den phá suas go dtí an uasteorainn + 17% os a chionn, ÷ €20.1877; íocann gach pointe €1.4386 in aghaidh na bliana (reoite go Deireadh Fómhair 2026). Glan ó CSG, CRDS agus CASA (thart ar 9.1%) agus cáin ioncaim.","Plan d’épargne retraite (PER): your voluntary payments are deducted from taxable income within the limit; employer payments into a company PER are free of income tax but carry CSG/CRDS. At retirement, the deducted payments are taxed at your income-tax rate and gains at the 31.4% flat tax (from 2026); a lump sum or an annuity can be chosen.":"Plan d’épargne retraite (PER): asbhaintear d’íocaíochtaí deonacha ón ioncam inchánach laistigh den teorainn; tá íocaíochtaí fostóra i PER cuideachta saor ó cháin ioncaim ach bíonn CSG/CRDS orthu. Ag scor, gearrtar cáin ar na híocaíochtaí asbhainte ag do ráta agus ar ghnóthachain ag an gcáin chothrom 31.4% (ó 2026); is féidir cnapshuim nó blianacht a roghnú.","Victory in Europe Day":"Lá an Bhua san Eoraip","Bastille Day":"Lá Náisiúnta (14 Iúil)","Armistice Day":"Lá an Fhosaithe","2.5 working days per month: 30 working days on a 6-day count, i.e. 25 days on a 5-day week (5 weeks), taken mainly between May and October; 4 weeks can be taken in summer. Many employees also get RTT days for working more than 35 hours. 11 public holidays; Alsace-Moselle has 2 more.":"2.5 lá oibre in aghaidh na míosa: 30 lá oibre ar chomhaireamh 6 lá, i.e. 25 lá i seachtain 5 lá (5 seachtaine), glactha go príomha idir Bealtaine agus Deireadh Fómhair; is féidir 4 seachtaine a ghlacadh sa samhradh. Faigheann go leor fostaithe laethanta RTT freisin as obair níos mó ná 35 uair. 11 lá saoire poiblí; tá 2 eile ag an Alsáis-Moselle.","16 weeks (6 before, 10 after birth); 26 from the 3rd child":"16 seachtaine (6 roimh, 10 tar éis breithe); 26 ón tríú leanbh","Daily allowance from health insurance, up to about €104/day":"Liúntas laethúil ón árachas sláinte, suas le thart ar €104/lá","25 days (32 for twins), 4 compulsory right after birth, plus 3 days birth leave":"25 lá (32 do chúpla), 4 éigeantach díreach tar éis breithe, móide 3 lá saoire breithe","Health-insurance allowance; birth days paid by employer":"Liúntas árachais sláinte; laethanta breithe íoctha ag an bhfostóir","Additional birth leave (from July 2026)":"Saoire breithe bhreise (ó Iúil 2026)","1 or 2 months per parent after maternity or paternity leave":"Mí nó dhá mhí in aghaidh an tuismitheora tar éis saoire mháithreachais nó atharthachta","70% of net pay the 1st month, 60% the 2nd (capped)":"70% den ghlanphá an chéad mhí, 60% an dara mí (teoranta)","Until the child turns 3, full or part time":"Go dtí go mbíonn an leanbh 3, lánaimseartha nó páirtaimseartha","PreParE allowance (~€460/month full time) or unpaid":"Liúntas PreParE (~€460/mí lánaimseartha) nó gan phá","Sick child":"Leanbh tinn","3 days a year (5 if under 1 or 3+ children), child under 16":"3 lá in aghaidh na bliana (5 má tá sé faoi bhliain nó 3+ leanaí), leanbh faoi 16","Unpaid unless the agreement says otherwise":"Gan phá mura ndeir an comhaontú a mhalairt","Family events":"Imeachtaí teaghlaigh","Wedding or PACS 4 days, death of a child 14 days, of a spouse or parent 3 days":"Pósadh nó PACS 4 lá, bás linbh 14 lá, céile nó tuismitheora 3 lá","Paid by employer":"Íoctha ag an bhfostóir","3 waiting days, then health-insurance allowance":"3 lá feithimh, ansin liúntas árachais sláinte","50% of pay; employer tops up to 90% after 1 year of service":"50% den phá; cuireann an fostóir barr go 90% tar éis bliana seirbhíse","Dismissal (personal or economic)":"Dífhostú (pearsanta nó eacnamaíoch)","Mutual termination (rupture conventionnelle)":"Foirceannadh le comhaontú (rupture conventionnelle)","After 8 months of service: ¼ month’s pay per year for the first 10 years, ⅓ per year beyond (more under many collective agreements). Free of income tax; free of contributions up to 2× the annual ceiling. Not due for serious misconduct.":"Tar éis 8 mí seirbhíse: ceathrú míosa pá in aghaidh na bliana don chéad 10 mbliana, trian in aghaidh na bliana ina dhiaidh sin (níos mó faoi go leor comhaontuithe comhchoiteanna). Saor ó cháin ioncaim; saor ó ranníocaíochtaí suas le 2 oiread na huasteorann bliantúla. Ní dlite do mhí-iompar tromchúiseach.","Notice and mutual termination":"Fógra agus foirceannadh le comhaontú","Notice: 1 month after 6 months of service, 2 months after 2 years (worked or paid). A rupture conventionnelle needs at least the legal severance, gives the right to unemployment benefit and has a 15-day withdrawal period.":"Fógra: mí tar éis 6 mhí seirbhíse, 2 mhí tar éis 2 bhliain (oibrithe nó íoctha). Teastaíonn an iomarcaíocht dhlíthiúil ar a laghad le rupture conventionnelle, tugann sé ceart chun sochar dífhostaíochta agus tá tréimhse tarraingthe siar 15 lá aige.","Unemployment benefit (ARE)":"Sochar dífhostaíochta (ARE)","The higher of 57% of the daily reference wage or 40.4% + €13.18, max 75% (and €300.21/day). Duration 75% of the time worked in the last 24 months (36 from 55): max 18 months, 22.5 at 55–56, 27 from 57; −30% after 6 months on high benefits under 55. Not after resignation.":"An ceann is airde de 57% den phá tagartha laethúil nó 40.4% + €13.18, uas. 75% (agus €300.21/lá). Fad 75% den am a oibríodh sna 24 mhí deireanacha (36 ó 55): uas. 18 mí, 22.5 ag 55–56, 27 ó 57; −30% tar éis 6 mhí ar shochair arda faoi 55. Ní tar éis éirí as.","Paying {c} a year (5% of salary) into a PER lowers your income tax by about <b>{s}</b>.":"Má íocann tú {c} in aghaidh na bliana (5% den tuarastal) isteach i PER laghdaíonn sé do cháin ioncaim thart ar <b>{s}</b>.","Overtime is tax-free up to €7,500 a year and carries lower contributions: see the Extra pay tab.":"Tá ragobair saor ó cháin suas le €7,500 in aghaidh na bliana agus bíonn ranníocaíochtaí níos ísle air: féach an cluaisín Pá breise.","Family allowance from the 2nd child (€152.25/month for 2, €347.32 for 3 from April 2026), halved or quartered for high household incomes. Couples are taxed jointly in France, which this table does not model.":"Liúntas teaghlaigh ón dara leanbh (€152.25/mí do 2, €347.32 do 3 ó Aibreán 2026), leathnaithe nó ceathrúnaithe d’ioncaim arda teaghlaigh. Gearrtar cáin ar lánúineacha le chéile sa Fhrainc, rud nach ríomhann an tábla seo.","Legal severance ¼ month per year (⅓ after 10 years), tax-free":"Iomarcaíocht dhlíthiúil ceathrú míosa in aghaidh na bliana (trian tar éis 10 mbliana), saor ó cháin","16 weeks paid by health insurance (up to ~€104/day)":"16 seachtaine íoctha ag árachas sláinte (suas le ~€104/lá)","25 days paid by health insurance + 3 birth days":"25 lá íoctha ag árachas sláinte + 3 lá breithe","Until age 3 (PreParE ~€460/month); new birth leave 1–2 months per parent at 70%/60% of net":"Go dtí aois 3 (PreParE ~€460/mí); saoire breithe nua 1–2 mhí in aghaidh an tuismitheora ag 70%/60% den ghlan","3 waiting days, then 50% (90% with employer top-up after 1 year)":"3 lá feithimh, ansin 50% (90% le barr fostóra tar éis bliana)","Non-executive employee in a company with fewer than 11 staff, standard accident rate 2.08%; collective-agreement extras (13th month, provident schemes), meal vouchers and transport support are not modelled. Income tax is the annual scale for one tax household; monthly withholding uses a personal rate that can differ.":"Fostaí nach feidhmeannach é i gcuideachta le níos lú ná 11 duine foirne, ráta caighdeánach timpistí 2.08%; ní ríomhtar breiseáin comhaontuithe chomhchoitinn (13ú mí, scéimeanna coigilteach), dearbháin bhia ná tacaíocht iompair. Is é an cháin ioncaim an scála bliantúil do theaghlach cánach amháin; úsáideann coinneáil siar mhíosúil ráta pearsanta a d’fhéadfadh a bheith difriúil.","Official sources: URSSAF (mon-entreprise simulator), impots.gouv.fr, info-retraite.fr, France Travail.":"Foinsí oifigiúla: URSSAF (insamhlóir mon-entreprise), impots.gouv.fr, info-retraite.fr, France Travail.","Employee contributions, €3,000/month, no health plan":"Ranníocaíochtaí fostaí, €3,000/mí, gan plean sláinte","Employee contributions, €4,500/month (above ceiling)":"Ranníocaíochtaí fostaí, €4,500/mí (os cionn na huasteorann)","Employee contributions, €7,000/month":"Ranníocaíochtaí fostaí, €7,000/mí","Employee contributions at the minimum wage (€1,823.03)":"Ranníocaíochtaí fostaí ag an bpá íosta (€1,823.03)","Net before income tax, €3,000/month, default €40 health plan":"Glan roimh cháin ioncaim, €3,000/mí, plean sláinte réamhshocraithe €40","Employer cost at the minimum wage (with RGDU)":"Costas fostóra ag an bpá íosta (le RGDU)","Employer cost, €3,000/month":"Costas fostóra, €3,000/mí","Employer cost, €7,000/month":"Costas fostóra, €7,000/mí","Taxable pay, €3,000/month, no health plan":"Pá inchánach, €3,000/mí, gan plean sláinte","Income tax, single, taxable income €30,000":"Cáin ioncaim, singil, ioncam inchánach €30,000","Income tax, single, €20,000 (with décote)":"Cáin ioncaim, singil, €20,000 (le décote)","Income tax, couple + 2 children, €60,000":"Cáin ioncaim, lánúin + 2 leanbh, €60,000","AGIRC-ARRCO: 1,000 points (per year)":"AGIRC-ARRCO: 1,000 pointe (in aghaidh na bliana)","Legal pension age, born 1966 (years)":"Aois dhlíthiúil pinsin, rugadh 1966 (blianta)","Basic pension rate with 8 quarters missing":"Ráta bunphinsin le 8 ráithe in easnamh","Legal severance, 12 years at €3,000":"Iomarcaíocht dhlíthiúil, 12 bhliain ag €3,000","ARE daily benefit for a €100 daily reference wage":"Sochar laethúil ARE do phá tagartha laethúil €100","Family allowance, 2 children (per year)":"Liúntas teaghlaigh, 2 leanbh (in aghaidh na bliana)","PER deduction cap for a €30,000 salary":"Teorainn asbhainte PER do thuarastal €30,000","Pension fund (your share)":"Ciste pinsin (do sciar)","National insurance (AOW, Anw, Wlz) after credits":"Árachas náisiúnta (AOW, Anw, Wlz) tar éis creidmheasanna","Income tax (box 1) after credits":"Cáin ioncaim (bosca 1) tar éis creidmheasanna","Tax credits used (general + labour)":"Creidmheasanna cánach úsáidte (ginearálta + saothair)","Kinderbijslag (paid separately, ages 6–11)":"Kinderbijslag (íoctha ar leithligh, aoiseanna 6–11)","Health contribution (Zvw 4.85%) + national insurance":"Ranníocaíocht sláinte (Zvw 4.85%) + árachas náisiúnta","Transition payment (⅓ month per year)":"Íocaíocht aistrithe (trian míosa in aghaidh na bliana)","employer notice (1 month less via UWV)":"fógra an fhostóra (mí níos lú trí UWV)","Employer notice":"Fógra an fhostóra","Transition payment":"Íocaíocht aistrithe","month per year":"míosa in aghaidh na bliana","Netherlands":"An Ísiltír","Pension fund, your share (% of pay above €19,554)":"Ciste pinsin, do sciar (% den phá os cionn €19,554)","Workplace pension accrual (% a year)":"Fabhrú pinsin ceirde (% in aghaidh na bliana)","Box 1 tax 2026":"Cáin bhosca 1 2026","35.75% up to €38,883 (of which 27.65% national insurance: AOW, Anw, Wlz), 37.56% up to €78,426, 49.50% above. General tax credit up to €3,115 (fading 6.398% above €29,736) and labour tax credit up to €5,685. The Bonus field holds the 8% holiday allowance (vakantiegeld).":"35.75% suas le €38,883 (de sin 27.65% árachas náisiúnta: AOW, Anw, Wlz), 37.56% suas le €78,426, 49.50% os a chionn. Creidmheas cánach ginearálta suas le €3,115 (ag laghdú 6.398% os cionn €29,736) agus creidmheas cánach saothair suas le €5,685. Coinníonn an réimse Bónas an liúntas saoire 8% (vakantiegeld).","Employer and pension fund":"Fostóir agus ciste pinsin","Employees pay no separate social contributions; the employer pays unemployment (2.74%), disability (6.27% + 0.50%), sector fund (~1.52%) and health (Zvw 6.10%) up to €79,409. Most employees also pay into a sector pension fund, usually 6–9% of pay above a franchise: enter yours.":"Ní íocann fostaithe ranníocaíochtaí sóisialta ar leith; íocann an fostóir dífhostaíocht (2.74%), míchumas (6.27% + 0.50%), ciste earnála (~1.52%) agus sláinte (Zvw 6.10%) suas le €79,409. Íocann formhór na bhfostaithe isteach i gciste pinsin earnála freisin, 6–9% den phá os cionn saoráide de ghnáth: cuir isteach do chuid féin.","The 30% ruling for new residents, health-insurance premium (~€150/month, paid separately) and allowances (zorgtoeslag, huurtoeslag, kindgebonden budget).":"An riail 30% do chónaitheoirí nua, préimh árachais sláinte (~€150/mí, íoctha ar leithligh) agus liúntais (zorgtoeslag, huurtoeslag, kindgebonden budget).","Dutch law sets no overtime premium; it comes from your contract or collective agreement (cao), often 25–50% or time off. Max 12 hours a day and 60 a week, 48 a week on average over 16 weeks.":"Ní leagann dlí na hÍsiltíre préimh ragoibre síos; tagann sé ó do chonradh nó ó chomhaontú comhchoiteann (cao), 25–50% go minic nó am saor. Uas. 12 uair in aghaidh an lae agus 60 sa tseachtain, 48 sa tseachtain ar an meán thar 16 seachtaine.","Overtime is taxed like normal pay at your marginal box 1 rate, which includes the phase-out of tax credits.":"Gearrtar cáin ar ragobair mar ghnáthphá ag do ráta imeallach bhosca 1, lena n-áirítear céimniú amach na gcreidmheasanna cánach.","Zzp (sole trader)":"Zzp (trádálaí aonair)","Self-employed deduction €1,200 (1,225 hours a year), then the SME profit exemption of 12.7%; box 1 tax with the general and labour credits; income-related health contribution 4.85% up to €79,412. No unemployment or disability cover and no pension fund unless you arrange it.":"Asbhaint féinfhostaithe €1,200 (1,225 uair in aghaidh na bliana), ansin díolúine brabúis FBM de 12.7%; cáin bhosca 1 leis na creidmheasanna ginearálta agus saothair; ranníocaíocht sláinte a bhaineann le hioncam 4.85% suas le €79,412. Gan clúdach dífhostaíochta ná míchumais agus gan ciste pinsin mura socraíonn tú é.","AOW (state pension)":"AOW (pinsean stáit)","2% for every year you live or work in the Netherlands in the 50 years before AOW age; full single AOW €1,662.16 gross a month (July 2026). AOW age 67 in 2026–2027 and 67 years 3 months from 2028, then linked to life expectancy.":"2% do gach bliain a bhfuil tú i do chónaí nó ag obair san Ísiltír sna 50 bliain roimh aois AOW; AOW iomlán do dhuine singil €1,662.16 comhlán in aghaidh na míosa (Iúil 2026). Aois AOW 67 in 2026–2027 agus 67 mbliana 3 mhí ó 2028, ansin nasctha le hionchas saoil.","Most employees build a second pension in a sector fund, moving to the new contribution-based system (Wtp) by 2028. Here estimated as an accrual per year on pay above the franchise; check your fund’s Uniform Pension Overview (UPO) on mijnpensioenoverzicht.nl.":"Tógann formhór na bhfostaithe dara pinsean i gciste earnála, ag bogadh go dtí an córas nua bunaithe ar ranníocaíochtaí (Wtp) faoi 2028. Meastar anseo é mar fhabhrú in aghaidh na bliana ar phá os cionn na saoráide; seiceáil Forbhreathnú Aonfhoirmeach Pinsin (UPO) do chiste ar mijnpensioenoverzicht.nl.","Tax in retirement":"Cáin ar scor","From AOW age the first bracket drops to 17.85% (no AOW premium) and credits are lower. Early workplace pension is possible from about 60 with a lower amount (≈5% a year here).":"Ó aois AOW titeann an chéad bhanda go 17.85% (gan préimh AOW) agus bíonn creidmheasanna níos ísle. Is féidir pinsean ceirde luath a fháil ó thart ar 60 le méid níos ísle (≈5% in aghaidh na bliana anseo).","Lijfrente / extra pension saving: contributions within the annual room (jaarruimte) are deducted at your box 1 rate; payouts from retirement are taxed as income, usually at a lower rate. Money saved outside it falls in box 3 (wealth tax on a deemed return).":"Lijfrente / coigilt phinsin bhreise: asbhaintear ranníocaíochtaí laistigh den spás bliantúil (jaarruimte) ag do ráta bhosca 1; gearrtar cáin ar íocaíochtaí amach ón scor mar ioncam, ag ráta níos ísle de ghnáth. Tagann airgead a choigiltear lasmuigh de faoi bhosca 3 (cáin rachmais ar thoradh toimhdithe).","King’s Day":"Lá an Rí","At least 4 times your weekly working days a year (20 on a 5-day week); most collective agreements give 25. Statutory days expire 6 months after the year ends. Holiday allowance of 8% of pay is paid on top, usually in May. Liberation Day (5 May) is a paid holiday only in some agreements, every year or every 5 years.":"4 oiread do laethanta oibre seachtainiúla ar a laghad in aghaidh na bliana (20 i seachtain 5 lá); tugann formhór na gcomhaontuithe comhchoiteanna 25. Rachaidh laethanta reachtúla in éag 6 mhí tar éis dheireadh na bliana. Íoctar liúntas saoire 8% den phá freisin, i mBealtaine de ghnáth. Ní lá saoire íoctha Lá na Saoirse (5 Bealtaine) ach i roinnt comhaontuithe, gach bliain nó gach 5 bliana.","Pregnancy and maternity leave":"Saoire toirchis agus máithreachais","16 weeks (4–6 before the due date)":"16 seachtaine (4–6 roimh an dáta breithe)","100% from UWV, up to the maximum daily wage":"100% ó UWV, suas leis an uasphá laethúil","Birth leave for the partner":"Saoire breithe don pháirtí","1 working week within 4 weeks of the birth":"Seachtain oibre laistigh de 4 seachtaine ón mbreith","100% by employer":"100% ag an bhfostóir","Additional birth leave":"Saoire breithe bhreise","5 weeks within 6 months of the birth":"5 seachtaine laistigh de 6 mhí ón mbreith","70% from UWV":"70% ó UWV","26 times your weekly hours per parent until the child is 8; 9 weeks paid if taken in the first year":"26 oiread d’uaireanta seachtainiúla in aghaidh an tuismitheora go dtí go mbíonn an leanbh 8; 9 seachtaine íoctha má ghlactar sa chéad bhliain iad","70% from UWV for 9 weeks, rest unpaid":"70% ó UWV ar feadh 9 seachtaine, an chuid eile gan phá","Short-term care leave":"Saoire chúraim ghearrthéarma","2 times your weekly hours a year to care for a sick relative":"2 oiread d’uaireanta seachtainiúla in aghaidh na bliana le haire a thabhairt do ghaol tinn","70% by employer":"70% ag an bhfostóir","Long-term care leave":"Saoire chúraim fhadtéarma","6 times your weekly hours a year":"6 oiread d’uaireanta seachtainiúla in aghaidh na bliana","Up to 2 years of continued pay":"Suas le 2 bhliain pá leanúnach","At least 70% (often 100% the 1st year)":"70% ar a laghad (100% go minic sa chéad bhliain)","Dismissal (UWV permit or court)":"Dífhostú (cead UWV nó cúirt)","Settlement agreement (vaststellingsovereenkomst)":"Comhaontú socraithe (vaststellingsovereenkomst)","On dismissal by the employer: ⅓ of a month’s pay (including holiday allowance and fixed extras) for every year of service, counted pro rata, from day one; maximum €102,000 or one year’s pay if higher (2026). Taxed as income. In a settlement agreement the amount is negotiated, often at least this.":"Ar dhífhostú ag an bhfostóir: trian míosa pá (le liúntas saoire agus breiseáin sheasta) do gach bliain seirbhíse, comhairthe pro rata, ón gcéad lá; uasmhéid €102,000 nó pá bliana más airde (2026). Gearrtar cáin air mar ioncam. I gcomhaontú socraithe idirbheartaítear an méid, an méid seo ar a laghad go minic.","Employer: 1 month under 5 years of service, 2 months for 5–10, 3 for 10–15, 4 from 15 (1 month less after a UWV permit, minimum 1). Employee: 1 month.":"Fostóir: mí faoi 5 bliana seirbhíse, 2 mhí do 5–10, 3 do 10–15, 4 ó 15 (mí níos lú tar éis cead UWV, íosmhéid 1). Fostaí: mí.","Unemployment benefit (WW)":"Sochar dífhostaíochta (WW)","75% of your daily wage for 2 months, then 70%, with the daily wage capped at €304.25 (2026). Duration: 3 months, plus 1 month per year of work history (half a month per year after 10 years), up to 24 months. You must have worked 26 of the last 36 weeks; not after resigning.":"75% de do phá laethúil ar feadh 2 mhí, ansin 70%, leis an bpá laethúil teoranta do €304.25 (2026). Fad: 3 mhí, móide mí in aghaidh gach bliana staire oibre (leath míosa in aghaidh na bliana tar éis 10 mbliana), suas le 24 mhí. Caithfidh go raibh tú ag obair 26 de na 36 seachtain deireanacha; ní tar éis éirí as.","The Bonus field holds your 8% holiday allowance (vakantiegeld): remove it if your pay already includes it.":"Coinníonn an réimse Bónas do liúntas saoire 8% (vakantiegeld): bain é má tá sé i do phá cheana féin.","Above €45,592 the labour tax credit fades by 6.51% of each extra euro, so your real marginal rate is higher than the 37.56% bracket.":"Os cionn €45,592 laghdaíonn an creidmheas cánach saothair faoi 6.51% de gach euro breise, mar sin tá do ráta imeallach fíor níos airde ná banda 37.56%.","Kinderbijslag €295–426 per child per quarter depending on age (2026), not means-tested; the income-related kindgebonden budget comes on top for lower incomes.":"Kinderbijslag €295–426 in aghaidh an linbh in aghaidh na ráithe ag brath ar aois (2026), gan tástáil acmhainne; tagann an kindgebonden budget a bhaineann le hioncam leis d’ioncaim níos ísle.","Transition payment ⅓ month per year (taxed)":"Íocaíocht aistrithe trian míosa in aghaidh na bliana (cáin air)","16 weeks at 100% (UWV)":"16 seachtaine ag 100% (UWV)","1 week at 100% + 5 weeks at 70%":"Seachtain ag 100% + 5 seachtaine ag 70%","26 weeks per parent until 8; 9 paid at 70% in the 1st year":"26 seachtain in aghaidh an tuismitheora go 8; 9 íoctha ag 70% sa chéad bhliain","Up to 2 years at 70% or more":"Suas le 2 bhliain ag 70% nó níos mó","Annual tax as in the return; monthly payroll withholding uses the tables and credits spread over the year. The 30% ruling, health-insurance premium, allowances and cao-specific extras are not modelled.":"Cáin bhliantúil mar atá sa tuairisceán; úsáideann coinneáil siar párolla mhíosúil na táblaí agus creidmheasanna scaipthe thar an mbliain. Ní ríomhtar an riail 30%, préimh árachais sláinte, liúntais ná breiseáin a bhaineann le cao ar leith.","Official sources: Belastingdienst, SVB (AOW, kinderbijslag), UWV, mijnpensioenoverzicht.nl.":"Foinsí oifigiúla: Belastingdienst, SVB (AOW, kinderbijslag), UWV, mijnpensioenoverzicht.nl.","General tax credit at €50,000":"Creidmheas cánach ginearálta ag €50,000","General tax credit reaches zero":"Sroicheann an creidmheas cánach ginearálta nialas","Maximum labour tax credit (at €45,592)":"Uaschreidmheas cánach saothair (ag €45,592)","Box 1 tax before credits, €60,000":"Cáin bhosca 1 roimh chreidmheasanna, €60,000","Full single AOW (per month, gross)":"AOW iomlán do dhuine singil (in aghaidh na míosa, comhlán)","Transition payment, 6 years at €4,320/month (incl. holiday pay)":"Íocaíocht aistrithe, 6 bliana ag €4,320/mí (pá saoire san áireamh)","Maximum WW base per month":"Uasbhonn WW in aghaidh na míosa","Kinderbijslag, child 6–11, first half 2026 (per quarter)":"Kinderbijslag, leanbh 6–11, an chéad leath de 2026 (in aghaidh na ráithe)","Social security 13.07% after the work bonus":"Slándáil shóisialta 13.07% tar éis an bhónais oibre","Special social-security contribution":"Ranníocaíocht speisialta slándála sóisialta","Work bonus (lower contributions + tax credit)":"Bónas oibre (ranníocaíochtaí níos ísle + creidmheas cánach)","Flat professional expenses deducted (30%, max €6,070)":"Costais ghairmiúla chothroma asbhainte (30%, uas. €6,070)","Tax-free sum":"Suim saor ó cháin","Child benefit, Flanders (paid separately)":"Sochar leanaí, Flóndras (íoctha ar leithligh)","Social contributions for the self-employed (20.5%)":"Ranníocaíochtaí sóisialta do dhaoine féinfhostaithe (20.5%)","worked, or paid as an indemnity":"oibrithe, nó íoctha mar chúiteamh","If you resign":"Má éiríonn tú as","Belgium":"An Bheilg","Municipal surcharge (%)":"Forchán bardasach (%)","Household rate (spouse with no or low pension)":"Ráta teaghlaigh (céile gan phinsean nó le pinsean íseal)","Income tax 2026":"Cáin ioncaim 2026","Income 2026 (tax year 2027): 25% up to €16,720, 40% up to €29,510, 45% up to €51,070, 50% above, after social security and flat professional expenses (30%, max €6,070). Tax-free sum €11,550 plus €2,130 for 1 child, €5,130 for 2, €11,440 for 3. Municipal surcharge 0–9% of the tax (often 6–8%). Default pay: 13 months (end-of-year bonus) plus double holiday pay of 92% of a month in the Bonus field.":"Ioncam 2026 (bliain chánach 2027): 25% suas le €16,720, 40% suas le €29,510, 45% suas le €51,070, 50% os a chionn, tar éis slándála sóisialta agus costais ghairmiúla chothroma (30%, uas. €6,070). Suim saor ó cháin €11,550 móide €2,130 do leanbh amháin, €5,130 do 2, €11,440 do 3. Forchán bardasach 0–9% den cháin (6–8% go minic). Pá réamhshocraithe: 13 mhí (bónas deireadh bliana) móide pá saoire dúbailte de 92% de mhí sa réimse Bónas.","Employee 13.07% of gross pay, reduced by the work bonus for monthly pay up to €3,403.62 (plus a tax credit of 33.14% / 52.54% of it). Special social-security contribution €0–60.94 a month depending on pay. Employer about 25% (capped from 2026), before structural reductions for low wages.":"Fostaí 13.07% den phá comhlán, laghdaithe ag an mbónas oibre do phá míosúil suas le €3,403.62 (móide creidmheas cánach de 33.14% / 52.54% de). Ranníocaíocht speisialta slándála sóisialta €0–60.94 in aghaidh na míosa ag brath ar phá. Fostóir thart ar 25% (teoranta ó 2026), roimh laghduithe struchtúracha do phá íseal.","Joint taxation of married couples (marital quotient), meal vouchers, company car and other benefits in kind, regional tax differences and the refundable child tax credit.":"Comhchánachas lánúineacha pósta (comhrann pósta), dearbháin bhéile, carr comhlachta agus sochair chomhchineáil eile, difríochtaí cánach réigiúnacha agus an creidmheas cánach leanaí in-aisíoctha.","+50% for hours beyond 9 a day or 40 a week (or the agreed limit), +100% on Sundays and public holidays. Up to 11 hours a day and 50 a week; overtime must usually be recovered as time off within the reference period, except voluntary overtime (up to 360 hours a year from 2026).":"+50% d’uaireanta os cionn 9 in aghaidh an lae nó 40 sa tseachtain (nó an teorainn chomhaontaithe), +100% ar an Domhnach agus laethanta saoire poiblí. Suas le 11 uair in aghaidh an lae agus 50 sa tseachtain; de ghnáth ní mór ragobair a ghnóthú ar ais mar am saor laistigh den tréimhse tagartha, seachas ragobair dheonach (suas le 360 uair in aghaidh na bliana ó 2026).","Overtime is taxed at your marginal rate here. A special tax reduction on the first 180 overtime hours with a premium and the new tax-free voluntary hours can lower this; ask your payroll.":"Gearrtar cáin ar ragobair anseo ag do ráta imeallach. Is féidir le laghdú cánach speisialta ar an gcéad 180 uair ragoibre le préimh agus na huaireanta deonacha nua saor ó cháin é seo a ísliú; fiafraigh de do pháirolla.","11 h / day, 50 h / week":"11 u / lá, 50 u / seachtain","Self-employed (zelfstandige / indépendant)":"Féinfhostaithe (zelfstandige / indépendant)","Social contributions 20.5% of net taxable income up to €75,024.54 and 14.16% up to €110,562.42, nothing above; minimum €890.42 a quarter in your main occupation (2026), plus the social-insurance fund’s fee (about 3–4%). Profit is taxed on the normal scale with the tax-free sum; actual business costs are deducted.":"Ranníocaíochtaí sóisialta 20.5% den ghlanioncam inchánach suas le €75,024.54 agus 14.16% suas le €110,562.42, dada os a chionn; íosmhéid €890.42 in aghaidh na ráithe i do phríomhshlí bheatha (2026), móide táille an chiste árachais shóisialta (thart ar 3–4%). Gearrtar cáin ar bhrabús ar an ngnáthscála leis an tsuim saor ó cháin; asbhaintear fíorchostais ghnó.","Statutory pension":"Pinsean reachtúil","60% (or 75% household rate) of your career pay, capped at €82,608.94 a year, ÷ 45 for each year worked (max 45). Minimum pension €1,881.92 gross a month for a single person with a full career, pro rata from 30 years.":"60% (nó 75% ráta teaghlaigh) de phá do shaoil oibre, teoranta do €82,608.94 in aghaidh na bliana, ÷ 45 do gach bliain oibre (uas. 45). Íosphinsean €1,881.92 comhlán in aghaidh na míosa do dhuine singil le saol oibre iomlán, pro rata ó 30 bliain.","Pension age":"Aois phinsin","Legal age 66 from 2025 and 67 from 2030 (born from 1964). Early: at 60 with 44 career years, 61 with 43, 63 with 42. From 2026 early retirement with fewer than 35 years of at least 156 working days costs 2–5% a year (by year of birth).":"Aois dhlíthiúil 66 ó 2025 agus 67 ó 2030 (rugadh ó 1964). Luath: ag 60 le 44 bliain oibre, 61 le 43, 63 le 42. Ó 2026 cosnaíonn luathscor le níos lú ná 35 bliain de 156 lá oibre ar a laghad 2–5% in aghaidh na bliana (de réir bliain bhreithe).","Net pension":"Glanphinsean","3.55% health contribution on higher pensions, income tax with the tax-free sum and a pension tax reduction (€2,182.06, reduced for higher incomes); small pensions pay no tax. Many employees also have a group insurance (2nd pillar) through the employer.":"Ranníocaíocht sláinte 3.55% ar phinsin níos airde, cáin ioncaim leis an tsuim saor ó cháin agus laghdú cánach pinsin (€2,182.06, laghdaithe d’ioncaim níos airde); ní íocann pinsin bheaga aon cháin. Tá árachas grúpa (2ú colún) ag go leor fostaithe freisin tríd an bhfostóir.","Pension savings (pensioensparen / épargne-pension): a 30% tax credit on up to €1,050 a year, or 25% on up to €1,350. The fund is taxed once at 8% when you turn 60, then paid out tax-free. Employer group insurance is tax-free for you within the 80% rule; the employer pays 4.4% tax on the premiums.":"Coigilteas pinsin (pensioensparen / épargne-pension): creidmheas cánach 30% ar suas le €1,050 in aghaidh na bliana, nó 25% ar suas le €1,350. Gearrtar cáin uair amháin ag 8% ar an gciste nuair a shroicheann tú 60, ansin íoctar amach saor ó cháin é. Tá árachas grúpa an fhostóra saor ó cháin duitse laistigh den riail 80%; íocann an fostóir cáin 4.4% ar na préimheanna.","20 days on a 5-day week (4 weeks), earned by working the previous year; in your first job you can take European supplementary leave. Holiday pay: your normal pay plus double holiday pay of 92% of a month. 10 public holidays; one falling on a Sunday is replaced by another day off.":"20 lá i seachtain 5 lá (4 seachtaine), tuillte trí obair sa bhliain roimhe; i do chéad phost is féidir leat saoire fhorlíontach Eorpach a ghlacadh. Pá saoire: do ghnáthphá móide pá saoire dúbailte de 92% de mhí. 10 lá saoire poiblí; cuirtear lá saor eile in áit ceann a thiteann ar an Domhnach.","15 weeks (up to 6 before the birth, 9 after)":"15 seachtaine (suas le 6 roimh an mbreith, 9 ina dhiaidh)","82% of pay for 30 days, then 75% (capped), from health insurance":"82% den phá ar feadh 30 lá, ansin 75% (teoranta), ón árachas sláinte","Birth leave for the co-parent":"Saoire breithe don chomhthuismitheoir","20 days within 4 months of the birth":"20 lá laistigh de 4 mhí ón mbreith","3 days 100% by employer, then 82% (capped) from health insurance":"3 lá 100% ag an bhfostóir, ansin 82% (teoranta) ón árachas sláinte","4 months full time per parent per child until age 12 (or part time for longer)":"4 mhí lánaimseartha in aghaidh an tuismitheora in aghaidh an linbh go dtí aois 12 (nó páirtaimseartha níos faide)","Flat allowance from the National Employment Office (about €1,000 a month full time)":"Liúntas cothrom ón Oifig Náisiúnta Fostaíochta (thart ar €1,000 in aghaidh na míosa lánaimseartha)","1 month full time per person cared for, up to 6 months in a career; 5 days a year unpaid care leave":"Mí lánaimseartha in aghaidh an duine a bhfuil cúram á thabhairt dó, suas le 6 mhí i saol oibre; 5 lá in aghaidh na bliana saoire chúraim gan phá","Flat allowance":"Liúntas cothrom","Urgent family reasons":"Cúiseanna práinneacha teaghlaigh","Up to 10 days a year":"Suas le 10 lá in aghaidh na bliana","Guaranteed pay for the first month (white-collar)":"Pá ráthaithe don chéad mhí (oibrithe oifige)","100% by employer, then 60% (capped) from health insurance":"100% ag an bhfostóir, ansin 60% (teoranta) ón árachas sláinte","Dismissal by the employer":"Dífhostú ag an bhfostóir","Notice or indemnity":"Fógra nó cúiteamh","Notice depends only on seniority (single status, 2014): 1 week under 3 months, 12 weeks after 2 years, 18 after 5, +3 a week per year to 60 at 19 years, 62 at 20, then +1 a year. The employer can pay the notice period instead (taxed). With 30 weeks or more, a third goes to job-search support (outplacement, training).":"Braitheann fógra ar shinsearacht amháin (stádas aonair, 2014): seachtain faoi 3 mhí, 12 sheachtain tar éis 2 bhliain, 18 tar éis 5, +3 seachtaine in aghaidh na bliana go 60 ag 19 mbliana, 62 ag 20, ansin +1 in aghaidh na bliana. Is féidir leis an bhfostóir tréimhse an fhógra a íoc ina ionad (cáin air). Le 30 seachtain nó níos mó, téann trian chuig tacaíocht cuardaigh poist (athlonnú, oiliúint).","Resignation":"Éirí as","1 week under 3 months of service, rising to a maximum of 13 weeks after 8 years.":"Seachtain faoi 3 mhí seirbhíse, ag ardú go huasmhéid 13 sheachtain tar éis 8 mbliana.","From March 2026: 65% of your capped daily pay for 3 months, then 60%, with lower caps over time (max €2,812.94 a month at first, amounts from September 2026). Limited to 12 months plus 1 month per 4 extra months of work, max 24. Not after resigning.":"Ó Mhárta 2026: 65% de do phá laethúil teoranta ar feadh 3 mhí, ansin 60%, le teorainneacha níos ísle le himeacht ama (uas. €2,812.94 in aghaidh na míosa ar dtús, méideanna ó Mheán Fómhair 2026). Teoranta do 12 mhí móide mí in aghaidh gach 4 mhí oibre bhreise, uas. 24. Ní tar éis éirí as.","The Bonus field holds the double holiday pay (92% of a month); the 13th month comes from paying 13 salaries.":"Coinníonn an réimse Bónas an pá saoire dúbailte (92% de mhí); tagann an 13ú mí ó 13 thuarastal a íoc.","Your pay qualifies for the work bonus: lower employee contributions and an extra tax credit.":"Tá do phá incháilithe don bhónas oibre: ranníocaíochtaí fostaí níos ísle agus creidmheas cánach breise.","Paying €1,050 a year into pension savings gives back €315 in tax (30%) plus the municipal surcharge.":"Má íocann tú €1,050 in aghaidh na bliana isteach i gcoigilteas pinsin tugtar €315 cánach ar ais (30%) móide an forchán bardasach.","Child benefit is regional: Flanders (Groeipakket) €190.66 a month per child born from 2019 (September 2026), Wallonia and Brussels have their own amounts and age supplements. Married couples are taxed jointly, which this table does not model.":"Is réigiúnach é sochar leanaí: Flóndras (Groeipakket) €190.66 in aghaidh na míosa in aghaidh gach linbh a rugadh ó 2019 (Meán Fómhair 2026), tá a méideanna agus a bhforlíontaí aoise féin ag an Vallúin agus ag an mBruiséil. Gearrtar cáin ar lánúineacha pósta le chéile, rud nach ríomhann an tábla seo.","15 weeks at 82%, then 75% (capped)":"15 seachtaine ag 82%, ansin 75% (teoranta)","20 days (3 at 100%, rest 82%)":"20 lá (3 ag 100%, an chuid eile 82%)","4 months per parent until 12, flat allowance":"4 mhí in aghaidh an tuismitheora go 12, liúntas cothrom","1 month at 100% (white-collar), then 60%":"Mí ag 100% (oibrithe oifige), ansin 60%","White-collar employee taxed individually; annual tax as in the return (monthly withholding uses tables and can differ). Double holiday pay is treated like normal pay for contributions. Employer cost is the 25% basic rate without structural or first-hire reductions.":"Oibrí oifige a ngearrtar cáin air ina aonar; cáin bhliantúil mar atá sa tuairisceán (úsáideann coinneáil siar mhíosúil táblaí agus d’fhéadfadh sí a bheith difriúil). Caitear le pá saoire dúbailte mar ghnáthphá do ranníocaíochtaí. Is é costas an fhostóra an bunráta 25% gan laghduithe struchtúracha ná céad-fhostaithe.","Official sources: FPS Finance (Tax-Calc), National Social Security Office (RSZ/ONSS instructions), Federal Pension Service (mypension.be), National Employment Office (RVA/ONEM), Groeipakket.":"Foinsí oifigiúla: FPS Finance (Tax-Calc), Oifig Náisiúnta Slándála Sóisialta (treoracha RSZ/ONSS), Seirbhís Pinsin Feidearálach (mypension.be), Oifig Náisiúnta Fostaíochta (RVA/ONEM), Groeipakket.","Tax on €51,070 before the tax-free sum":"Cáin ar €51,070 roimh an tsuim saor ó cháin","Tax relief on the basic tax-free sum (€11,550)":"Faoiseamh cánach ar an mbunsuim saor ó cháin (€11,550)","Maximum flat professional expenses":"Uasmhéid costas gairmiúil cothrom","Work bonus at €2,000/month (A + B, per month)":"Bónas oibre ag €2,000/mí (A + B, in aghaidh na míosa)","Work bonus at €3,200/month (per month)":"Bónas oibre ag €3,200/mí (in aghaidh na míosa)","Special SS contribution at €5,000/month (per quarter)":"Ranníocaíocht speisialta SS ag €5,000/mí (in aghaidh na ráithe)","Special SS contribution, maximum (per quarter)":"Ranníocaíocht speisialta SS, uasmhéid (in aghaidh na ráithe)","Self-employed minimum contributions (per year)":"Íosranníocaíochtaí féinfhostaithe (in aghaidh na bliana)","Notice after 10 years of service (weeks)":"Fógra tar éis 10 mbliana seirbhíse (seachtainí)","Notice after 20 years of service (weeks)":"Fógra tar éis 20 bliain seirbhíse (seachtainí)","Maximum unemployment benefit, months 1–3 (per month)":"Uasmhéid sochair dhífhostaíochta, míonna 1–3 (in aghaidh na míosa)","Minimum pension, single, full career (per month)":"Íosphinsean, singil, saol oibre iomlán (in aghaidh na míosa)","Groeipakket base amount (per child, per month)":"Bunmhéid Groeipakket (in aghaidh an linbh, in aghaidh na míosa)","Pension insurance 8.5%":"Árachas pinsin 8.5%","Health insurance 3.05%":"Árachas sláinte 3.05%","Long-term care 1.4% (after a quarter of the minimum wage)":"Cúram fadtéarmach 1.4% (tar éis ceathrú den phá íosta)","Family allowance (paid separately, from age 0)":"Liúntas teaghlaigh (íoctha ar leithligh, ó aois 0)","Self-employed contributions (pension 17%, health, care, accident)":"Ranníocaíochtaí féinfhostaithe (pinsean 17%, sláinte, cúram, timpiste)","paid; the employer can release you from working it":"íoctha; is féidir leis an bhfostóir tú a scaoileadh ón obair a dhéanamh","Luxembourg":"Lucsamburg","Class 1 (single)":"Aicme 1 (singil)","Class 2 (married or partnered, joint)":"Aicme 2 (pósta nó i bpáirtnéireacht, comhpháirteach)","Single parent (credit, class 1)":"Aontuismitheoir (creidmheas, aicme 1)","23 brackets from 0% (up to €13,230) to 42% (above €234,870); 39% from €54,090. Class 2 (married or partnered) splits income in two. 7% employment-fund surcharge on the tax (9% above €150,000). Employee credit up to €600 and CO2 credit €216 a year (none from €80,000 gross). Flat deductions €540 for expenses and €480 special expenses.":"23 banda ó 0% (suas le €13,230) go 42% (os cionn €234,870); 39% ó €54,090. Roinneann aicme 2 (pósta nó i bpáirtnéireacht) an t-ioncam ina dhá leath. Forchán ciste fostaíochta 7% ar an gcáin (9% os cionn €150,000). Creidmheas fostaí suas le €600 agus creidmheas CO2 €216 in aghaidh na bliana (dada ó €80,000 comhlán). Asbhaintí cothroma €540 do chostais agus €480 do chostais speisialta.","Employee 12.95%: pension 8.5% (up from 8% in 2026), health 3.05%, long-term care 1.4% (on pay above a quarter of the minimum wage, no ceiling). Ceiling 5× the minimum wage: €13,856.63 a month from June 2026. Employer about 12.6% (pension 8.5%, health 3.05%, accident 0.65%, occupational health 0.14%, employers’ mutual 0.23–2.66%).":"Fostaí 12.95%: pinsean 8.5% (suas ó 8% in 2026), sláinte 3.05%, cúram fadtéarmach 1.4% (ar phá os cionn ceathrú den phá íosta, gan uasteorainn). Uasteorainn 5 oiread an phá íosta: €13,856.63 in aghaidh na míosa ó Mheitheamh 2026. Fostóir thart ar 12.6% (pinsean 8.5%, sláinte 3.05%, timpiste 0.65%, sláinte cheirde 0.14%, ciste comhar fostóirí 0.23–2.66%).","Class 1a (single parents, widowed) uses its own scale; travel-distance deductions, interest and insurance deductions, and the cross-border worker rules are not modelled. Wages are indexed automatically (last step June 2026).":"Úsáideann aicme 1a (aontuismitheoirí, baintreacha) a scála féin; ní ríomhtar asbhaintí achair taistil, úis agus árachais, ná rialacha oibrithe trasteorann. Innéacsaítear pá go huathoibríoch (an chéim dheireanach Meitheamh 2026).","+40% for overtime (or 1.5 hours off per hour), +70% on Sundays, +100% on public holidays. Max 10 hours a day and 48 a week; overtime needs prior authorisation.":"+40% do ragobair (nó 1.5 uair saor in aghaidh na huaire), +70% ar an Domhnach, +100% ar laethanta saoire poiblí. Uas. 10 n-uaire in aghaidh an lae agus 48 sa tseachtain; teastaíonn údarú roimh ré do ragobair.","Overtime pay, and Sunday, holiday and night premiums, are exempt from income tax; social contributions still apply. Applied here.":"Tá pá ragoibre, agus préimheanna Domhnaigh, laethanta saoire agus oíche, díolmhaithe ó cháin ioncaim; bíonn ranníocaíochtaí sóisialta fós i gceist. Curtha i bhfeidhm anseo.","10 h / day, 48 h / week":"10 u / lá, 48 u / seachtain","Self-employed (indépendant)":"Féinfhostaithe (indépendant)","Contributions on profit, at least on the minimum wage and at most on the ceiling: pension 17%, health 6.1%, accident 0.65%, employers’ mutual, plus 1.4% long-term care on all income. Profit is taxed on the normal scale with the self-employed credit (up to €600) and CO2 credit (€216).":"Ranníocaíochtaí ar bhrabús, ar an bpá íosta ar a laghad agus ar an uasteorainn ar a mhéad: pinsean 17%, sláinte 6.1%, timpiste 0.65%, ciste comhar fostóirí, móide 1.4% cúram fadtéarmach ar an ioncam go léir. Gearrtar cáin ar bhrabús ar an ngnáthscála leis an gcreidmheas féinfhostaithe (suas le €600) agus creidmheas CO2 (€216).","Old-age pension (CNAP)":"Pinsean seanaoise (CNAP)","Flat part: up to €678.70 a month for 40 years (index 992.24) + proportional part: 1.763% of all your insured pay (2026), plus 0.016% for each year that age + career exceeds 95, max 2.05%. Minimum €2,436.04 a month with 40 years (pro rata from 20).":"Cuid chothrom: suas le €678.70 in aghaidh na míosa do 40 bliain (innéacs 992.24) + cuid chomhréireach: 1.763% de do phá árachaithe go léir (2026), móide 0.016% do gach bliain a sháraíonn aois + saol oibre 95, uas. 2.05%. Íosmhéid €2,436.04 in aghaidh na míosa le 40 bliain (pro rata ó 20).","65 with at least 10 years of insurance; from 60 with 40 years (including credited periods) or from 57 with 40 years of contributions, without reduction. Pensions follow wage indexation.":"65 le 10 mbliana árachais ar a laghad; ó 60 le 40 bliain (tréimhsí creidiúnaithe san áireamh) nó ó 57 le 40 bliain ranníocaíochtaí, gan laghdú. Leanann pinsin innéacsú pá.","Health 2.8% and long-term care 1.4%, then income tax with the pensioner credit (similar to the employee credit).":"Sláinte 2.8% agus cúram fadtéarmach 1.4%, ansin cáin ioncaim le creidmheas an phinsinéara (cosúil le creidmheas an fhostaí).","Private pension plans (art. 111bis) are deductible up to €4,500 a year per person (2026). Employer pension contributions are taxed at a flat 20% paid by the employer.":"Tá pleananna pinsin príobháideacha (alt 111bis) in-asbhainte suas le €4,500 in aghaidh na bliana in aghaidh an duine (2026). Gearrtar cáin chothrom 20% ar ranníocaíochtaí pinsin an fhostóra, íoctha ag an bhfostóir.","Private pension savings (prévoyance-vieillesse, art. 111bis): deductible up to €4,500 a year, for at least 11 years and paid out not before 60. At payout up to half can be taken as a lump sum taxed at half your rate; the rest as an annuity, half of which is tax-free.":"Coigilt phinsin phríobháideach (prévoyance-vieillesse, alt 111bis): in-asbhainte suas le €4,500 in aghaidh na bliana, ar feadh 11 bliana ar a laghad agus íoctha amach ní roimh 60. Ag íocaíocht amach is féidir suas le leath a ghlacadh mar chnapshuim a ngearrtar leath do ráta air; an chuid eile mar bhlianacht, a leath saor ó cháin.","Europe Day":"Lá na hEorpa","St Stephen’s Day":"Lá Fhéile Stiofáin","26 working days a year (5-day week), whatever your age; collective agreements may add more. 11 public holidays; one falling on a Sunday gives a replacement day within 3 months.":"26 lá oibre in aghaidh na bliana (seachtain 5 lá), cibé d’aois; féadfaidh comhaontuithe comhchoiteanna níos mó a chur leis. 11 lá saoire poiblí; tugann ceann a thiteann ar an Domhnach lá ionaid laistigh de 3 mhí.","20 weeks (8 before, 12 after the birth)":"20 seachtain (8 roimh, 12 tar éis breithe)","100% of pay from health insurance (up to the ceiling)":"100% den phá ón árachas sláinte (suas go dtí an uasteorainn)","10 days within 2 months of the birth":"10 lá laistigh de 2 mhí ón mbreith","100% (employer, partly reimbursed by the state)":"100% (fostóir, aisíoctha go páirteach ag an stát)","4 or 6 months full time per parent until the child is 6 (also part time or split)":"4 nó 6 mhí lánaimseartha in aghaidh an tuismitheora go dtí go mbíonn an leanbh 6 (páirtaimseartha nó roinnte freisin)","Allowance based on pay, between the minimum wage and 5/3 of it":"Liúntas bunaithe ar phá, idir an pá íosta agus 5/3 de","Leave for family reasons":"Saoire ar chúiseanna teaghlaigh","12 days per child under 4, 18 for ages 4–12, 5 for 13–17":"12 lá in aghaidh an linbh faoi 4, 18 d’aoiseanna 4–12, 5 do 13–17","100% (health insurance)":"100% (árachas sláinte)","5 days a year":"5 lá in aghaidh na bliana","Employer pays until the end of the month of the 77th day, then health insurance":"Íocann an fostóir go deireadh mhí an 77ú lá, ansin an t-árachas sláinte","100% of pay, up to 78 weeks in 104":"100% den phá, suas le 78 seachtain as 104","Dismissal with notice":"Dífhostú le fógra","By the employer: 2 months under 5 years of service, 4 months for 5–10 years, 6 months from 10. By you: half of that (1, 2 or 3 months).":"Ag an bhfostóir: 2 mhí faoi 5 bliana seirbhíse, 4 mhí do 5–10 mbliana, 6 mhí ó 10. Agatsa: leath de sin (1, 2 nó 3 mhí).","After 5 years: 1 month’s pay, 2 after 10, 3 after 15, 6 after 20, 9 after 25, 12 after 30 (small employers may extend the notice instead). Free of tax and social contributions. Not due on resignation or serious misconduct.":"Tar éis 5 bliana: mí pá, 2 tar éis 10, 3 tar éis 15, 6 tar éis 20, 9 tar éis 25, 12 tar éis 30 (féadfaidh fostóirí beaga an fógra a shíneadh ina ionad). Saor ó cháin agus ó ranníocaíochtaí sóisialta. Ní dlite ar éirí as nó mí-iompar tromchúiseach.","80% of your gross pay (85% with a dependent child), capped at 2.5× the minimum wage (€6,928 a month) for 6 months, then 2×. Paid for as many months as you worked in the last 12 (at least 26 weeks), max 12; taxed. Not after resigning.":"80% de do phá comhlán (85% le leanbh cleithiúnach), teoranta do 2.5 oiread an phá íosta (€6,928 in aghaidh na míosa) ar feadh 6 mhí, ansin 2 oiread. Íoctha ar feadh an oiread míonna is a d’oibrigh tú sna 12 dheireanacha (26 seachtain ar a laghad), uas. 12; cáin air. Ní tar éis éirí as.","Married or in a registered partnership? Class 2 usually lowers the tax a lot; choose it above.":"Pósta nó i bpáirtnéireacht chláraithe? Laghdaíonn aicme 2 an cháin go mór de ghnáth; roghnaigh í thuas.","Overtime and Sunday or holiday premiums are tax-free in Luxembourg: see the Extra pay tab.":"Tá ragobair agus préimheanna Domhnaigh nó laethanta saoire saor ó cháin i Lucsamburg: féach an cluaisín Pá breise.","Family allowance €315.04 a month per child from June 2026, +€23.81 from age 6 and +€59.44 from age 12, paid regardless of income. Couples taxed in class 2 split their joint income.":"Liúntas teaghlaigh €315.04 in aghaidh na míosa in aghaidh an linbh ó Mheitheamh 2026, +€23.81 ó aois 6 agus +€59.44 ó aois 12, íoctha beag beann ar ioncam. Roinneann lánúineacha in aicme 2 a gcomhioncam.","Severance after 5 years (1–12 months, tax-free)":"Iomarcaíocht tar éis 5 bliana (1–12 mhí, saor ó cháin)","20 weeks at 100%":"20 seachtain ag 100%","10 days at 100%":"10 lá ag 100%","4–6 months per parent until 6, paid allowance":"4–6 mhí in aghaidh an tuismitheora go 6, liúntas íoctha","100% up to 78 weeks":"100% suas le 78 seachtain","Resident employee; annual tax as in the assessment (monthly withholding follows the tax card and can differ slightly). Class 1a, cross-border (non-resident) rules and individual deductions are not modelled. Employer cost uses mutual class 1.":"Fostaí cónaithe; cáin bhliantúil mar atá sa mheasúnacht (leanann coinneáil siar mhíosúil an cárta cánach agus d’fhéadfadh sí a bheith beagán difriúil). Ní ríomhtar aicme 1a, rialacha trasteorann (neamhchónaitheoirí) ná asbhaintí aonair. Úsáideann costas an fhostóra aicme 1 an chiste comhar.","Official sources: Administration des contributions directes (ACD), CCSS (social parameters), CNAP (pensions), ADEM (unemployment), CAE (family allowance), guichet.lu.":"Foinsí oifigiúla: Administration des contributions directes (ACD), CCSS (paraiméadair shóisialta), CNAP (pinsin), ADEM (dífhostaíocht), CAE (liúntas teaghlaigh), guichet.lu.","Tax class 1 on €54,090 (before surcharge)":"Cáin aicme 1 ar €54,090 (roimh fhorchán)","Employee tax credit at €30,000 gross":"Creidmheas cánach fostaí ag €30,000 comhlán","Employee + CO2 credit at €60,000 gross":"Creidmheas fostaí + CO2 ag €60,000 comhlán","Employee contributions, €5,000/month":"Ranníocaíochtaí fostaí, €5,000/mí","Monthly contribution ceiling (5× minimum wage)":"Uasteorainn ranníocaíochta mhíosúil (5 oiread an phá íosta)","Minimum pension, 40 years (per month)":"Íosphinsean, 40 bliain (in aghaidh na míosa)","Severance after 20 years (months of pay)":"Iomarcaíocht tar éis 20 bliain (míonna pá)","Maximum unemployment benefit, months 1–6":"Uasmhéid sochair dhífhostaíochta, míonna 1–6","Family allowance per child (per month)":"Liúntas teaghlaigh in aghaidh an linbh (in aghaidh na míosa)","Social insurance on monthly pay (18.07%)":"Árachas sóisialta ar phá míosúil (18.07%)","Social insurance on 13th/14th salary (17.07%)":"Árachas sóisialta ar 13ú/14ú tuarastal (17.07%)","Wage tax on monthly pay (after credits)":"Cáin phá ar phá míosúil (tar éis creidmheasanna)","Wage tax on 13th/14th salary (6%)":"Cáin phá ar 13ú/14ú tuarastal (6%)","Familienbonus Plus (tax credit)":"Familienbonus Plus (creidmheas cánach)","Family allowance + child credit (paid separately, age 3–9)":"Liúntas teaghlaigh + creidmheas linbh (íoctha ar leithligh, aois 3–9)","Social insurance for the self-employed (SVS)":"Árachas sóisialta do dhaoine féinfhostaithe (SVS)","6 weeks":"6 seachtaine","Severance fund payout (Abfertigung neu, 1.53% a year, taxed 6%)":"Íocaíocht ó chiste iomarcaíochta (Abfertigung neu, 1.53% in aghaidh na bliana, cáin 6%)","to the end of a quarter, unless agreed otherwise":"go deireadh ráithe, mura gcomhaontaítear a mhalairt","Severance fund (after 3 years)":"Ciste iomarcaíochta (tar éis 3 bliana)","annual pay":"pá bliantúil","Austria":"An Ostair","Single earner or single parent (credit)":"Aon tuillteoir nó aontuismitheoir (creidmheas)","Wage tax 2026":"Cáin phá 2026","On monthly pay: 0% to €13,539, 20% to €21,992, 30% to €36,458, 40% to €70,365, 48% to €104,859, 50% to €1 million, 55% above (a year), minus the transport credit €496. 13th and 14th salaries: €620 free, then 6% (up to one sixth of the year’s pay). Familienbonus Plus €2,000.16 a year per child under 18.":"Ar phá míosúil: 0% go €13,539, 20% go €21,992, 30% go €36,458, 40% go €70,365, 48% go €104,859, 50% go €1 milliún, 55% os a chionn (in aghaidh na bliana), lúide creidmheas iompair €496. 13ú agus 14ú tuarastal: €620 saor, ansin 6% (suas le séú cuid de phá na bliana). Familienbonus Plus €2,000.16 in aghaidh na bliana in aghaidh gach linbh faoi 18.","Employee 18.07% (pension 10.25%, health 3.87%, unemployment 2.95%, chamber of labour 0.5%, housing 0.5%) up to €6,930 a month (0.25% more in Vienna); 17.07% on 13th/14th salary up to €13,860 a year. Unemployment insurance is 0–2% below €2,630 a month. Employer about 21.2% plus 3.7% family fund, municipal tax 3% and 1.53% severance fund.":"Fostaí 18.07% (pinsean 10.25%, sláinte 3.87%, dífhostaíocht 2.95%, seomra saothair 0.5%, tithíocht 0.5%) suas le €6,930 in aghaidh na míosa (0.25% níos mó i Vín); 17.07% ar 13ú/14ú tuarastal suas le €13,860 in aghaidh na bliana. Is 0–2% árachas dífhostaíochta faoi €2,630 in aghaidh na míosa. Fostóir thart ar 21.2% móide 3.7% ciste teaghlaigh, cáin bhardasach 3% agus 1.53% ciste iomarcaíochta.","Commuter allowance (Pendlerpauschale), negative tax refunds for low incomes, tax-free overtime and night premiums, and collective-agreement extras.":"Liúntas comaitéireachta (Pendlerpauschale), aisíocaíochtaí cánach diúltaí d’ioncaim ísle, préimheanna ragoibre agus oíche saor ó cháin, agus breiseáin comhaontuithe chomhchoitinn.","+50% for overtime (beyond 40 hours or the agreed normal hours), usually +100% on Sundays and public holidays by collective agreement. Max 12 hours a day and 60 a week, 48 on average over 17 weeks.":"+50% do ragobair (os cionn 40 uair nó na gnáthuaireanta comhaontaithe), +100% de ghnáth ar an Domhnach agus laethanta saoire poiblí de réir comhaontaithe chomhchoitinn. Uas. 12 uair in aghaidh an lae agus 60 sa tseachtain, 48 ar an meán thar 17 seachtaine.","Part of the overtime premiums (for about 10 hours a month) and Sunday, holiday and night premiums up to €360 a month are tax-free; this tool taxes all extra pay at your marginal rate, so it slightly understates what you keep.":"Tá cuid de na préimheanna ragoibre (do thart ar 10 n-uaire in aghaidh na míosa) agus préimheanna Domhnaigh, laethanta saoire agus oíche suas le €360 in aghaidh na míosa saor ó cháin; gearrann an uirlis seo cáin ar gach pá breise ag do ráta imeallach, mar sin déanann sí beagán gannmheastacháin ar an méid a choinníonn tú.","12 h / day, 60 h / week":"12 u / lá, 60 u / seachtain","New self-employed (SVS)":"Féinfhostaithe nua (SVS)","Social insurance on profit: pension 18.5%, health 6.8%, self-employed provision 1.53%, accident €12.07 a month; minimum base €551.10 and maximum €8,085 a month (2026). 15% basic profit allowance on profit up to €33,000, then the normal tariff. No 6% rate on 13th/14th salaries.":"Árachas sóisialta ar bhrabús: pinsean 18.5%, sláinte 6.8%, soláthar féinfhostaithe 1.53%, timpiste €12.07 in aghaidh na míosa; íosbhonn €551.10 agus uasbhonn €8,085 in aghaidh na míosa (2026). Liúntas bunúsach brabúis 15% ar bhrabús suas le €33,000, ansin an gnáth-tharaif. Gan ráta 6% ar 13ú/14ú tuarastal.","Pension account (APG)":"Cuntas pinsin (APG)","Every year 1.78% of your contribution base (max €97,020 in 2026) is credited and revalued with average wages. The annual credit is your yearly pension, paid in 14 instalments; at least 15 years of insurance are needed.":"Gach bliain creidiúnaítear 1.78% de do bhonn ranníocaíochta (uas. €97,020 in 2026) agus athluachálaítear é le meánphá. Is é an creidmheas bliantúil do phinsean bliantúil, íoctha i 14 thráthchuid; teastaíonn 15 bliana árachais ar a laghad.","65 for men; for women rising from 60 to 65 for those born 1964–1968. Corridor pension from 62 with 40 years (rising to 63 and 42 years), −5.1% a year before 65; +4.2% a year for working on after 65 (max 3 years).":"65 d’fhir; do mhná ag ardú ó 60 go 65 dóibh siúd a rugadh 1964–1968. Pinsean conair ó 62 le 40 bliain (ag ardú go 63 agus 42 bliain), −5.1% in aghaidh na bliana roimh 65; +4.2% in aghaidh na bliana as leanúint ag obair tar éis 65 (uas. 3 bliana).","5.1% health insurance, wage tax with the pensioner credit; the 13th and 14th payments are taxed at 6%. Low pensions are topped up to the equalisation supplement (Ausgleichszulage).":"Árachas sláinte 5.1%, cáin phá le creidmheas an phinsinéara; gearrtar 6% ar an 13ú agus an 14ú íocaíocht. Cuirtear barr ar phinsin ísle go dtí an forlíonadh cothromaithe (Ausgleichszulage).","Prämienbegünstigte Zukunftsvorsorge: the state adds 4.25% on up to €3,286.08 a year; capital gains are tax-free and a lifelong annuity is tax-free. Employer contributions to a pension fund (Pensionskasse) are tax-free now and taxed as pension later. Other savings pay 27.5% capital-gains tax.":"Prämienbegünstigte Zukunftsvorsorge: cuireann an stát 4.25% leis ar suas le €3,286.08 in aghaidh na bliana; tá gnóthachain chaipitiúla saor ó cháin agus tá blianacht saoil saor ó cháin. Tá ranníocaíochtaí fostóra le ciste pinsin (Pensionskasse) saor ó cháin anois agus gearrtar cáin orthu mar phinsean níos déanaí. Íocann coigilteas eile 27.5% cáin ghnóthachan caipitiúil.","5 weeks a year: 25 working days on a 5-day week (30 working days on a 6-day count), rising to 6 weeks after 25 years with the employer. 13 public holidays; no replacement day when one falls on a weekend.":"5 seachtaine in aghaidh na bliana: 25 lá oibre i seachtain 5 lá (30 lá oibre ar chomhaireamh 6 lá), ag ardú go 6 seachtaine tar éis 25 bliain leis an bhfostóir. 13 lá saoire poiblí; gan lá ionaid nuair a thiteann ceann ar an deireadh seachtaine.","Maternity protection":"Cosaint mháithreachais","8 weeks before and 8 after the birth (12 after a caesarean or premature birth)":"8 seachtaine roimh agus 8 tar éis na breithe (12 tar éis gearrthóg Chaesarach nó breith anabaí)","Maternity benefit = average net pay of the last 3 months":"Sochar máithreachais = meánghlanphá na 3 mhí dheireanacha","Father’s month (Papamonat)":"Mí an athar (Papamonat)","1 month after the birth":"Mí tar éis na breithe","Family-time bonus about €55 a day":"Bónas ama teaghlaigh thart ar €55 in aghaidh an lae","Parental leave (Karenz)":"Saoire tuismitheora (Karenz)","Until the child is 2 if both parents take part (22 months if only one)":"Go dtí go mbíonn an leanbh 2 má ghlacann an dá thuismitheoir páirt (22 mhí más tuismitheoir amháin)","Childcare benefit: flat account or 80% of income (max about €76 a day)":"Sochar cúram leanaí: cuntas cothrom nó 80% den ioncam (uas. thart ar €76 in aghaidh an lae)","Care leave (Pflegefreistellung)":"Saoire chúraim (Pflegefreistellung)","1 week a year, plus 1 more for a child under 12":"Seachtain in aghaidh na bliana, móide seachtain eile do leanbh faoi 12","6 weeks full pay (8 after 1 year, 10 after 15, 12 after 25), then 4 weeks half pay":"6 seachtaine pá iomlán (8 tar éis bliana, 10 tar éis 15, 12 tar éis 25), ansin 4 seachtaine leathphá","By employer, then health-insurance sick pay":"Ag an bhfostóir, ansin pá breoiteachta an árachais sláinte","Employer: 6 weeks under 2 years of service, 2 months from 2, 3 months from 5, 4 months from 15, 5 months from 25, to the end of a quarter (or the 15th or last day of a month if the contract says so). Employee: 1 month to the end of a month.":"Fostóir: 6 seachtaine faoi 2 bhliain seirbhíse, 2 mhí ó 2, 3 mhí ó 5, 4 mhí ó 15, 5 mhí ó 25, go deireadh ráithe (nó an 15ú nó an lá deireanach de mhí má deir an conradh é). Fostaí: mí go deireadh míosa.","Severance (Abfertigung neu)":"Iomarcaíocht (Abfertigung neu)","For jobs since 2003 the employer pays 1.53% of pay into a severance fund from the 2nd month. After 3 years of contributions you can take the balance on dismissal (taxed 6%) or leave it for your pension; it is never lost on resignation, only carried forward.":"I gcás post ó 2003 íocann an fostóir 1.53% den phá isteach i gciste iomarcaíochta ón dara mí. Tar éis 3 bliana ranníocaíochtaí is féidir leat an t-iarmhéid a ghlacadh ar dhífhostú (cáin 6%) nó é a fhágáil do do phinsean; ní chailltear riamh é ar éirí as, ní dhéantar ach é a thabhairt ar aghaidh.","55% of your net daily income (from the previous year’s gross, up to the contribution ceiling), plus family supplements. 20 weeks; 30 with 3 years of insurance in 5; 39 from age 40 with 6 years in 10; 52 from 50 with 9 years in 15. After resigning there is a 4-week wait.":"55% de do ghlanioncam laethúil (ó chomhlán na bliana roimhe, suas go dtí an uasteorainn ranníocaíochta), móide forlíontaí teaghlaigh. 20 seachtain; 30 le 3 bliana árachais as 5; 39 ó aois 40 le 6 bliana as 10; 52 ó 50 le 9 mbliana as 15. Tar éis éirí as tá fanacht 4 seachtaine.","Austria pays 14 salaries: the 13th and 14th are taxed at only 6%, so compare offers by annual pay.":"Íocann an Ostair 14 thuarastal: ní ghearrtar ach 6% ar an 13ú agus an 14ú, mar sin cuir tairiscintí i gcomparáid de réir pá bhliantúil.","Each child under 18 cuts your tax by up to €2,000.16 a year (Familienbonus Plus).":"Gearrann gach leanbh faoi 18 do cháin suas le €2,000.16 in aghaidh na bliana (Familienbonus Plus).","Family allowance €138.40–200.40 a month per child by age, plus the child tax credit €70.90 a month (2026, frozen at 2025 levels), paid together; not means-tested. Familienbonus Plus cuts tax by up to €2,000.16 per child.":"Liúntas teaghlaigh €138.40–200.40 in aghaidh na míosa in aghaidh an linbh de réir aoise, móide creidmheas cánach linbh €70.90 in aghaidh na míosa (2026, reoite ag leibhéil 2025), íoctha le chéile; gan tástáil acmhainne. Gearrann Familienbonus Plus cáin suas le €2,000.16 in aghaidh an linbh.","Severance fund balance after 3 years (1.53% a year, 6% tax)":"Iarmhéid an chiste iomarcaíochta tar éis 3 bliana (1.53% in aghaidh na bliana, cáin 6%)","16 weeks at 100% of net (8 + 8)":"16 seachtaine ag 100% den ghlan (8 + 8)","1 month with family-time bonus (~€55/day)":"Mí le bónas ama teaghlaigh (~€55/lá)","Until age 2, childcare benefit flat or 80% of income":"Go dtí aois 2, sochar cúram leanaí cothrom nó 80% den ioncam","6–12 weeks full pay, then half, then health insurance":"6–12 seachtaine pá iomlán, ansin leath, ansin árachas sláinte","White-collar employee with 14 salaries; wage tax as withheld on regular pay and special payments. Commuter allowance, tax-free overtime and night premiums, negative tax refunds and collective-agreement extras are not modelled.":"Oibrí oifige le 14 thuarastal; cáin phá mar a choinnítear siar ar ghnáthphá agus ar íocaíochtaí speisialta. Ní ríomhtar liúntas comaitéireachta, préimheanna ragoibre agus oíche saor ó cháin, aisíocaíochtaí cánach diúltaí ná breiseáin comhaontuithe chomhchoitinn.","Official sources: BMF (Brutto-Netto-Rechner, Steuerbuch 2026), Österreichische Gesundheitskasse (Veränderliche Werte 2026), Pensionsversicherungsanstalt, AMS, oesterreich.gv.at.":"Foinsí oifigiúla: BMF (Brutto-Netto-Rechner, Steuerbuch 2026), Österreichische Gesundheitskasse (Veränderliche Werte 2026), Pensionsversicherungsanstalt, AMS, oesterreich.gv.at.","Net per year, €2,400 × 14 (Styria)":"Glan in aghaidh na bliana, €2,400 × 14 (an Stír)","Net per year, €4,000 × 14 (Styria)":"Glan in aghaidh na bliana, €4,000 × 14 (an Stír)","Net per year, €8,000 × 14 (above the ceiling)":"Glan in aghaidh na bliana, €8,000 × 14 (os cionn na huasteorann)","Wage tax per year, €4,000 × 14":"Cáin phá in aghaidh na bliana, €4,000 × 14","Tariff tax on €40,000":"Cáin taraife ar €40,000","Tax on 13th/14th salary of €8,000 (after 17.07% SS)":"Cáin ar 13ú/14ú tuarastal de €8,000 (tar éis 17.07% SS)","Employee social insurance, €4,000/month (per month)":"Árachas sóisialta fostaí, €4,000/mí (in aghaidh na míosa)","Employee social insurance, €2,300/month (1% unemployment)":"Árachas sóisialta fostaí, €2,300/mí (1% dífhostaíocht)","Employee social insurance at the ceiling (per month)":"Árachas sóisialta fostaí ag an uasteorainn (in aghaidh na míosa)","Pension credit for one year at €50,000":"Creidmheas pinsin do bhliain amháin ag €50,000","Familienbonus Plus per child (per year)":"Familienbonus Plus in aghaidh an linbh (in aghaidh na bliana)","Family allowance + child credit, age 3–9 (per month)":"Liúntas teaghlaigh + creidmheas linbh, aois 3–9 (in aghaidh na míosa)","Your money, calculated":"D’airgead, ríomhtha","Social security 11%":"Slándáil shóisialta 11%","IRS income tax (after deductions)":"Cáin ioncaim IRS (tar éis asbhaintí)","Taxable income (after the €4,587 specific deduction)":"Ioncam inchánach (tar éis na hasbhainte sonraí €4,587)","IRS Jovem exemption":"Díolúine IRS Jovem","Independent workers’ social security (21.4% on 70%)":"Slándáil shóisialta oibrithe neamhspleácha (21.4% ar 70%)","written notice for collective dismissal or job extinction":"fógra i scríbhinn d’olliomarcaíocht nó deireadh poist","Compensation":"Cúiteamh","14 days per year (max 12 months)":"14 lá in aghaidh na bliana (uas. 12 mhí)","Portugal":"An Phortaingéil","Single (or separate filing)":"Singil (nó comhdú ar leithligh)","Married, joint filing, sole earner":"Pósta, comhdú comhpháirteach, aon tuillteoir","IRS Jovem: year of work (1–10, 0 = no)":"IRS Jovem: bliain oibre (1–10, 0 = níl)","Nine brackets from 12.5% (up to €8,342) to 48% (above €86,634), after the specific deduction of €4,587.09 (or your social security if higher). Solidarity surcharge 2.5% above €80,000 and 5% above €250,000. Tax credits: €250 general family expenses per taxpayer, €600 per child. Nobody is left with less than €12,880 after tax (minimum of existence). Usually 14 salaries.":"Naoi mbanda ó 12.5% (suas le €8,342) go 48% (os cionn €86,634), tar éis na hasbhainte sonraí de €4,587.09 (nó do shlándáil shóisialta más airde). Forchán dlúthpháirtíochta 2.5% os cionn €80,000 agus 5% os cionn €250,000. Creidmheasanna cánach: €250 costais ghinearálta teaghlaigh in aghaidh an íocóra cánach, €600 in aghaidh an linbh. Ní fhágtar aon duine le níos lú ná €12,880 tar éis cánach (íosmhéid maireachtála). 14 thuarastal de ghnáth.","Up to age 35, the first 10 years of work are partly exempt: 100% in year 1, 75% in years 2–4, 50% in years 5–7, 25% in years 8–10, on income up to €29,542 (55 × IAS).":"Suas go haois 35, tá an chéad 10 mbliana oibre díolmhaithe go páirteach: 100% i mbliain 1, 75% i mblianta 2–4, 50% i mblianta 5–7, 25% i mblianta 8–10, ar ioncam suas le €29,542 (55 × IAS).","Employee 11%, employer 23.75%, with no ceiling. Minimum wage €920 a month (14 payments) in 2026.":"Fostaí 11%, fostóir 23.75%, gan uasteorainn. Pá íosta €920 in aghaidh na míosa (14 íocaíocht) in 2026.","On working days +25% for the first hour and +37.5% for each further hour; +50% on rest days and public holidays. Max 2 hours a day and 150 hours a year (175 in small firms, up to 200 by collective agreement).":"Ar laethanta oibre +25% don chéad uair agus +37.5% do gach uair eile; +50% ar laethanta scíthe agus laethanta saoire poiblí. Uas. 2 uair in aghaidh an lae agus 150 uair in aghaidh na bliana (175 i ngnólachtaí beaga, suas le 200 le comhaontú comhchoiteann).","Overtime is taxed and insured like normal pay.":"Gearrtar cáin agus árachas ar ragobair mar ghnáthphá.","150 h / year":"150 u / bliain","Independent worker (recibos verdes)":"Oibrí neamhspleách (recibos verdes)","Simplified regime for services: 75% of turnover is taxed on the normal IRS scale (part of it only if you show 15% of expenses). Social security 21.4% on 70% of turnover, declared quarterly; exempt in the first 12 months. VAT exemption below €15,000.":"Córas simplithe do sheirbhísí: gearrtar cáin ar 75% den láimhdeachas ar an ngnáthscála IRS (cuid de amháin má léiríonn tú 15% costas). Slándáil shóisialta 21.4% ar 70% den láimhdeachas, dearbhaithe gach ráithe; díolmhaithe sa chéad 12 mhí. Díolúine CBL faoi €15,000.","Old-age pension":"Pinsean seanaoise","Reference earnings = average of your best 40 years (revalued), ÷ 14. Each year of contributions adds 2.3% of the part up to 1.1 × IAS, 2.25% up to 2 × IAS, 2.2% up to 4 × IAS, 2.1% up to 8 × IAS and 2% above (IAS €537.13 in 2026). Minimum 15 years. Paid 14 times a year.":"Tuilleamh tagartha = meán do 40 bliain is fearr (athluacháilte), ÷ 14. Cuireann gach bliain ranníocaíochtaí 2.3% leis den chuid suas le 1.1 × IAS, 2.25% suas le 2 × IAS, 2.2% suas le 4 × IAS, 2.1% suas le 8 × IAS agus 2% os a chionn (IAS €537.13 in 2026). Íosmhéid 15 bliana. Íoctha 14 huaire sa bhliain.","Normal age 66 years 9 months in 2026 and 66 years 11 months in 2027, then linked to life expectancy. It drops by 4 months for each year above 40 of contributions at age 60. Early from 60 with 40 years: −0.5% a month before your personal age. Working past it adds a bonus.":"Gnáthaois 66 bliana 9 mí in 2026 agus 66 bliana 11 mhí in 2027, ansin nasctha le hionchas saoil. Titeann sí 4 mhí do gach bliain os cionn 40 bliain ranníocaíochta ag aois 60. Luath ó 60 le 40 bliain: −0.5% in aghaidh na míosa roimh d’aois phearsanta. Cuireann obair ina dhiaidh sin bónas leis.","Pensions pay IRS after the same €4,587 deduction, but no social security. Low pensions are topped up by the solidarity supplement for the elderly (CSI).":"Íocann pinsin IRS tar éis na hasbhainte céanna €4,587, ach gan slándáil shóisialta. Cuirtear barr ar phinsin ísle leis an bhforlíonadh dlúthpháirtíochta do sheandaoine (CSI).","Plano Poupança Reforma (PPR): 20% of what you pay is credited against IRS within the age-based cap. Withdrawals after 60 (or 5 years) tax only the gains at an effective 8%; early withdrawals lose the credit. Other savings pay 28% on returns.":"Plano Poupança Reforma (PPR): creidiúnaítear 20% den mhéid a íocann tú i gcoinne IRS laistigh den teorainn aoise. Ní ghearrann tarraingtí tar éis 60 (nó 5 bliana) cáin ach ar ghnóthachain ag ráta éifeachtach 8%; cailleann tarraingtí luatha an creidmheas. Íocann coigilteas eile 28% ar thorthaí.","Freedom Day":"Lá na Saoirse","Portugal Day":"Lá na Portaingéile","Restoration of Independence":"Athbhunú an Neamhspleáchais","22 working days a year; in the year you start, 2 days per month worked (max 20). Holiday pay (subsídio de férias) of one month’s pay is paid on top, with the Christmas bonus as the 13th and 14th salaries. 13 national holidays (one is always a Sunday) plus a municipal holiday; Carnival is often given.":"22 lá oibre in aghaidh na bliana; sa bhliain a thosaíonn tú, 2 lá in aghaidh gach míosa oibre (uas. 20). Íoctar pá saoire (subsídio de férias) de mhí pá freisin, leis an mbónas Nollag mar 13ú agus 14ú tuarastal. 13 lá saoire náisiúnta (titeann ceann acu ar an Domhnach i gcónaí) móide lá saoire bardasach; tugtar an Carnabhal go minic.","Initial parental leave":"Saoire tuismitheora tosaigh","120 days at 100% or 150 days at 80% (180 days at 83% if shared); the mother takes 42 days after birth":"120 lá ag 100% nó 150 lá ag 80% (180 lá ag 83% má roinntear í); tógann an mháthair 42 lá tar éis breithe","Social security, on reference pay":"Slándáil shóisialta, ar an bpá tagartha","Father’s exclusive leave":"Saoire eisiach an athar","28 days in the 42 days after birth (7 right after), plus 7 optional":"28 lá sna 42 lá tar éis breithe (7 díreach ina dhiaidh), móide 7 roghnach","100% from social security":"100% ón tslándáil shóisialta","Extended parental leave":"Saoire tuismitheora shínte","3 months per parent after the initial leave":"3 mhí in aghaidh an tuismitheora tar éis na saoire tosaigh","30%–40% of reference pay":"30%–40% den phá tagartha","Care for a sick child":"Cúram do leanbh tinn","Up to 30 days a year (child under 12)":"Suas le 30 lá in aghaidh na bliana (leanbh faoi 12)","65% from social security":"65% ón tslándáil shóisialta","Informal carer leave":"Saoire cúramóra neamhfhoirmiúil","5 working days a year":"5 lá oibre in aghaidh na bliana","Unpaid by employer":"Gan íoc ag an bhfostóir","3 waiting days, then sickness benefit":"3 lá feithimh, ansin sochar breoiteachta","55% the first 30 days, rising to 75% after a year":"55% an chéad 30 lá, ag ardú go 75% tar éis bliana","Dismissal (collective or job extinction)":"Dífhostú (olliomarcaíocht nó deireadh poist)","For collective dismissal or extinction of the job: 14 days of base pay plus seniority pay per year of service (pro rata), with pay counted up to 20 minimum wages and a total cap of 12 months’ pay or 240 minimum wages. Tax-free at this legal level.":"D’olliomarcaíocht nó deireadh poist: 14 lá bunphá móide pá sinsearachta in aghaidh gach bliana seirbhíse (pro rata), le pá comhairthe suas le 20 pá íosta agus teorainn iomlán de 12 mhí pá nó 240 pá íosta. Saor ó cháin ag an leibhéal dlíthiúil seo.","Employer: 15 days under 1 year of service, 30 days for 1–5 years, 60 for 5–10, 75 from 10. Employee: 30 days under 2 years, 60 from 2.":"Fostóir: 15 lá faoi bhliain seirbhíse, 30 lá do 1–5 bliana, 60 do 5–10, 75 ó 10. Fostaí: 30 lá faoi 2 bhliain, 60 ó 2.","65% of your gross reference pay, between €537.13 (IAS) and €1,342.83 (2.5 × IAS) a month and not above 75% of net pay; −10% after 6 months. Duration 5 to 18 months by age and contribution record, plus extra months for long careers. Needs 360 days of work in the last 24 months; not after resigning.":"65% de do phá tagartha comhlán, idir €537.13 (IAS) agus €1,342.83 (2.5 × IAS) in aghaidh na míosa agus gan os cionn 75% den ghlanphá; −10% tar éis 6 mhí. Fad 5 go 18 mí de réir aoise agus taifead ranníocaíochta, móide míonna breise do shaol oibre fada. Teastaíonn 360 lá oibre sna 24 mhí deireanacha; ní tar éis éirí as.","Under 35 and in your first 10 years of work? IRS Jovem can exempt part of your pay: set your year of work above.":"Faoi 35 agus i do chéad 10 mbliana oibre? Is féidir le IRS Jovem cuid de do phá a dhíolmhú: socraigh do bhliain oibre thuas.","Paying into a PPR gives back 20% of it as a tax credit (up to €300–400 a year).":"Tugann íoc isteach i PPR 20% de ar ais mar chreidmheas cánach (suas le €300–400 in aghaidh na bliana).","Child benefit (abono de família) depends on household income bands and is not paid above the 4th band; a child guarantee supplement exists for low incomes. Married couples can file jointly, which the household table does not model.":"Braitheann sochar leanaí (abono de família) ar bhandaí ioncaim teaghlaigh agus ní íoctar é os cionn an 4ú banda; tá forlíonadh ráthaíochta leanaí ann d’ioncaim ísle. Is féidir le lánúineacha pósta comhdú comhpháirteach a dhéanamh, rud nach ríomhann tábla an teaghlaigh.","Compensation 14 days per year (tax-free)":"Cúiteamh 14 lá in aghaidh na bliana (saor ó cháin)","120 days at 100% (or 150 at 80%)":"120 lá ag 100% (nó 150 ag 80%)","28 days at 100% + 7 optional":"28 lá ag 100% + 7 roghnach","3 months per parent at 30–40%":"3 mhí in aghaidh an tuismitheora ag 30–40%","3 waiting days, then 55–75%":"3 lá feithimh, ansin 55–75%","Annual IRS as in the return for one taxpayer (or a married couple filing jointly with one income); monthly withholding uses tables and can differ. Health, education and housing deductions, the autonomous regions’ lower rates (Azores, Madeira) and meal allowances are not modelled.":"IRS bliantúil mar atá sa tuairisceán d’íocóir cánach amháin (nó lánúin phósta a dhéanann comhdú comhpháirteach le hioncam amháin); úsáideann coinneáil siar mhíosúil táblaí agus d’fhéadfadh sí a bheith difriúil. Ní ríomhtar asbhaintí sláinte, oideachais agus tithíochta, rátaí níos ísle na réigiún uathrialach (na hAsóir, Maidéara) ná liúntais bhéile.","Official sources: Portal das Finanças (AT), Segurança Social (pension and unemployment guides), INE, portugal.gov.pt.":"Foinsí oifigiúla: Portal das Finanças (AT), Segurança Social (treoracha pinsin agus dífhostaíochta), INE, portugal.gov.pt.","IRS scale on €43,090 taxable income":"Scála IRS ar ioncam inchánach €43,090","Specific deduction for employment income":"Asbhaint shonrach d’ioncam fostaíochta","Employee social security, €1,700 × 14":"Slándáil shóisialta fostaí, €1,700 × 14","No IRS at the minimum wage (€920 × 14)":"Gan IRS ag an bpá íosta (€920 × 14)","Maximum unemployment benefit (per month)":"Uasmhéid sochair dhífhostaíochta (in aghaidh na míosa)","Compensation, 10 years at €1,500 base pay":"Cúiteamh, 10 mbliana ag €1,500 bunphá","Accrual rate on reference earnings of €500 (per year)":"Ráta fabhraithe ar thuilleamh tagartha €500 (in aghaidh na bliana)","PRSI (4.2%, 4.35% from October)":"ÁSPC (4.2%, 4.35% ó Dheireadh Fómhair)","Auto-enrolment pension (My Future Fund) 1.5%":"Pinsean uathrollaithe (My Future Fund) 1.5%","Income tax after credits":"Cáin ioncaim tar éis creidmheasanna","Child Benefit (paid separately)":"Sochar Leanaí (íoctha ar leithligh)","Employer 1.5% + State 0.5% into your pot":"Fostóir 1.5% + an Stát 0.5% isteach i do chiste","PRSI Class S (4.2–4.35%)":"ÁSPC Aicme S (4.2–4.35%)","Statutory redundancy (2 weeks per year + 1, tax-free)":"Iomarcaíocht reachtúil (2 sheachtain in aghaidh na bliana + 1, saor ó cháin)","minimum by law; contracts often give more":"íosmhéid dlíthiúil; tugann conarthaí níos mó go minic","1 week":"Seachtain","2 weeks per year + 1 week (pay up to €600/week)":"2 sheachtain in aghaidh na bliana + seachtain (pá suas le €600/seachtain)","Ireland":"Éire","Tax status":"Stádas cánach","Married or civil partners, one income":"Pósta nó páirtnéirí sibhialta, ioncam amháin","Auto-enrolment (My Future Fund)":"Uathrollú (My Future Fund)","20% up to €44,000 (single), €53,000 (married, one income) or €48,000 (single parent), 40% above. Tax credits: personal €2,000 (€4,000 married), employee €2,000, single parent €1,900. Pension contributions are relieved at your marginal rate.":"20% suas le €44,000 (singil), €53,000 (pósta, ioncam amháin) nó €48,000 (aontuismitheoir), 40% os a chionn. Creidmheasanna cánach: pearsanta €2,000 (€4,000 pósta), fostaí €2,000, aontuismitheoir €1,900. Faightear faoiseamh ar ranníocaíochtaí pinsin ag do ráta imeallach.","USC and PRSI":"MSU agus ÁSPC","USC 0.5% up to €12,012, 2% up to €28,700, 3% up to €70,044, 8% above (none if income is €13,000 or less). PRSI 4.2%, rising to 4.35% from 1 October 2026, with a tapered credit between €352 and €424 a week. Employer PRSI 11.25% (11.40% from October). Minimum wage €14.15 an hour.":"MSU 0.5% suas le €12,012, 2% suas le €28,700, 3% suas le €70,044, 8% os a chionn (dada má tá an t-ioncam €13,000 nó níos lú). ÁSPC 4.2%, ag ardú go 4.35% ón 1 Deireadh Fómhair 2026, le creidmheas laghdaitheach idir €352 agus €424 sa tseachtain. ÁSPC an fhostóra 11.25% (11.40% ó Dheireadh Fómhair). Pá íosta €14.15 san uair.","Auto-enrolment":"Uathrollú","From 1 January 2026, employees aged 23–60 earning over €20,000 without a workplace pension join My Future Fund: 1.5% from you, 1.5% from the employer and 0.5% from the State, on pay up to €80,000 (rising every 3 years to 6% each). You can opt out after 6 months.":"Ón 1 Eanáir 2026, téann fostaithe 23–60 bliain d’aois a thuilleann níos mó ná €20,000 gan pinsean ceirde isteach in My Future Fund: 1.5% uaitse, 1.5% ón bhfostóir agus 0.5% ón Stát, ar phá suas le €80,000 (ag ardú gach 3 bliana go 6% an duine). Is féidir leat tarraingt siar tar éis 6 mhí.","Irish law sets no overtime rate; it comes from your contract (time-and-a-half is common). Sunday work must be compensated by a premium or time off. Average working week max 48 hours (over 4 months).":"Ní leagann dlí na hÉireann ráta ragoibre síos; tagann sé ó do chonradh (is coitianta 1.5 oiread). Ní mór obair Domhnaigh a chúiteamh le préimh nó am saor. Meánseachtain oibre uas. 48 uair (thar 4 mhí).","Overtime pays income tax, USC and PRSI like normal pay, often at 52% at the margin.":"Íocann ragobair cáin ioncaim, MSU agus ÁSPC mar ghnáthphá, 52% go minic ag an imeall.","Self-employed":"Féinfhostaithe","Income tax with the personal and earned income credits (€2,000 each), USC with an extra 3% above €100,000, and PRSI Class S at the employee rate (minimum €650 a year). Pay and file through Revenue’s self-assessment (Form 11) with preliminary tax.":"Cáin ioncaim leis na creidmheasanna pearsanta agus ioncaim thuillte (€2,000 an ceann), MSU le 3% breise os cionn €100,000, agus ÁSPC Aicme S ag ráta an fhostaí (íosmhéid €650 in aghaidh na bliana). Íoc agus comhdaigh trí fhéinmheasúnú Revenue (Foirm 11) le cáin réamhíoctha.","State Pension (Contributory)":"Pinsean Stáit (Ranníocach)","Up to €299.30 a week in 2026 (+€10 from age 80), from age 66. Under the total contributions approach you need 2,080 weekly contributions (40 years) for the full rate, with a pro rata rate from 520 (10 years). It can be deferred to 70 for a higher weekly rate.":"Suas le €299.30 sa tseachtain in 2026 (+€10 ó aois 80), ó aois 66. Faoin gcur chuige ranníocaíochtaí iomlána teastaíonn 2,080 ranníocaíocht seachtainiúil (40 bliain) don ráta iomlán, le ráta pro rata ó 520 (10 mbliana). Is féidir é a iarchur go 70 le haghaidh ráta seachtainiúil níos airde.","Workplace pensions":"Pinsin cheirde","Most income in retirement comes from workplace pensions, PRSAs and now auto-enrolment. 25% of the fund can be taken tax-free (up to €200,000); the rest is taxed as income.":"Tagann formhór an ioncaim ar scor ó phinsin cheirde, PRSAnna agus anois ón uathrollú. Is féidir 25% den chiste a ghlacadh saor ó cháin (suas le €200,000); gearrtar cáin ar an gcuid eile mar ioncam.","From 65 income up to €18,000 (€36,000 for a couple) is exempt from income tax; there is an age credit of €245. The State Pension is free of USC and PRSI.":"Ó 65 tá ioncam suas le €18,000 (€36,000 do lánúin) díolmhaithe ó cháin ioncaim; tá creidmheas aoise €245 ann. Níl MSU ná ÁSPC ar an bPinsean Stáit.","PRSA or occupational pension: contributions get tax relief at your marginal rate (20% or 40%) within age-related limits of 15–40% of earnings, capped at €115,000. At retirement 25% is tax-free and the rest is taxed as income. Deposit interest pays 33% DIRT.":"PRSA nó pinsean ceirde: faigheann ranníocaíochtaí faoiseamh cánach ag do ráta imeallach (20% nó 40%) laistigh de theorainneacha aoise 15–40% den tuilleamh, teoranta do €115,000. Ag scor tá 25% saor ó cháin agus gearrtar cáin ar an gcuid eile mar ioncam. Íocann ús taisce 33% DIRT.","St Brigid’s Day":"Lá Fhéile Bríde","St Patrick’s Day":"Lá Fhéile Pádraig","May bank holiday":"Lá saoire bainc Bealtaine","June bank holiday":"Lá saoire bainc Meithimh","August bank holiday":"Lá saoire bainc Lúnasa","October bank holiday":"Lá saoire bainc Dheireadh Fómhair","4 working weeks a year (20 days on a 5-day week), or 8% of hours worked. 10 public holidays; for each you get a paid day off, a day’s pay, an extra day of leave or an extra day’s pay, as your employer decides.":"4 seachtaine oibre in aghaidh na bliana (20 lá i seachtain 5 lá), nó 8% de na huaireanta a oibríodh. 10 lá saoire poiblí; do gach ceann faigheann tú lá saor íoctha, pá lae, lá saoire breise nó pá lae breise, mar a chinneann d’fhostóir.","26 weeks, plus 16 weeks unpaid":"26 seachtain, móide 16 seachtaine gan phá","Maternity Benefit €299 a week (many employers top up)":"Sochar Máithreachais €299 sa tseachtain (cuireann go leor fostóirí barr air)","2 weeks within 6 months of the birth":"2 sheachtain laistigh de 6 mhí ón mbreith","Paternity Benefit €299 a week":"Sochar Atharthachta €299 sa tseachtain","Parent’s leave":"Saoire tuismitheora (Parent’s leave)","9 weeks per parent in the child’s first 2 years":"9 seachtaine in aghaidh an tuismitheora sa chéad 2 bhliain den leanbh","Parent’s Benefit €299 a week":"Sochar Tuismitheora €299 sa tseachtain","26 weeks per parent until the child is 12":"26 seachtain in aghaidh an tuismitheora go dtí go mbíonn an leanbh 12","Leave for medical care":"Saoire do chúram leighis","5 days a year to care for a relative":"5 lá in aghaidh na bliana le haire a thabhairt do ghaol","5 days of statutory sick pay a year, then Illness Benefit":"5 lá pá breoiteachta reachtúil in aghaidh na bliana, ansin Sochar Breoiteachta","70% of pay up to €110 a day":"70% den phá suas le €110 in aghaidh an lae","After 2 years of continuous service: 2 weeks’ pay per year of service plus 1 week, with weekly pay capped at €600. Tax-free; enhanced payments above it get extra tax-free amounts up to limits.":"Tar éis 2 bhliain seirbhíse leanúnaí: pá 2 sheachtain in aghaidh gach bliana seirbhíse móide seachtain, le pá seachtainiúil teoranta do €600. Saor ó cháin; faigheann íocaíochtaí feabhsaithe os a chionn suimeanna breise saor ó cháin go dtí teorainneacha.","Minimum from the employer: 1 week (13 weeks to 2 years of service), 2 weeks (2–5), 4 weeks (5–10), 6 weeks (10–15), 8 weeks (15+). From you: 1 week after 13 weeks.":"Íosmhéid ón bhfostóir: seachtain (13 seachtaine go 2 bhliain seirbhíse), 2 sheachtain (2–5), 4 seachtaine (5–10), 6 seachtaine (10–15), 8 seachtaine (15+). Uaitse: seachtain tar éis 13 seachtaine.","Jobseeker’s Pay-Related Benefit":"Sochar Cuardaitheora Poist Pá-Choibhneasa","Since March 2025: 60% of previous weekly pay (max €450) for 13 weeks, then 55% (max €375) for 13 weeks, then 50% (max €300) for 13 weeks with 5+ years of PRSI; 26 weeks with 2–5 years. Not after resigning without good reason.":"Ó Mhárta 2025: 60% den phá seachtainiúil roimhe (uas. €450) ar feadh 13 sheachtain, ansin 55% (uas. €375) ar feadh 13 sheachtain, ansin 50% (uas. €300) ar feadh 13 sheachtain le 5+ bliana ÁSPC; 26 seachtain le 2–5 bliana. Ní tar éis éirí as gan chúis mhaith.","Above €44,000 each extra euro loses 40% tax + 3–8% USC + PRSI. Pension contributions save the 40% tax.":"Os cionn €44,000 cailleann gach euro breise 40% cáin + 3–8% MSU + ÁSPC. Sábhálann ranníocaíochtaí pinsin an 40% cánach.","Auto-enrolment: every €1.50 you pay brings €2 more from your employer and the State.":"Uathrollú: tugann gach €1.50 a íocann tú €2 eile ó d’fhostóir agus ón Stát.","Child Benefit €140 a month per child, not means-tested. Married couples can share tax bands (up to €88,000 with two incomes), which this table does not model.":"Sochar Leanaí €140 in aghaidh na míosa in aghaidh an linbh, gan tástáil acmhainne. Is féidir le lánúineacha pósta bandaí cánach a roinnt (suas le €88,000 le dhá ioncam), rud nach ríomhann an tábla seo.","Statutory redundancy after 2 years (tax-free)":"Iomarcaíocht reachtúil tar éis 2 bhliain (saor ó cháin)","26 weeks at €299/week + 16 unpaid":"26 seachtain ag €299/seachtain + 16 gan phá","2 weeks at €299/week":"2 sheachtain ag €299/seachtain","9 weeks paid (€299/week) + 26 unpaid until 12":"9 seachtaine íoctha (€299/seachtain) + 26 gan phá go 12","5 days at 70% (max €110/day), then Illness Benefit":"5 lá ag 70% (uas. €110/lá), ansin Sochar Breoiteachta","Annual tax for one PAYE employee; PRSI uses the year-average rate (4.35% from October). Medical expenses, rent and other credits, benefit-in-kind and the married two-income band are not modelled.":"Cáin bhliantúil d’fhostaí ÍMAT amháin; úsáideann ÁSPC meánráta na bliana (4.35% ó Dheireadh Fómhair). Ní ríomhtar creidmheasanna costais leighis, cíosa agus eile, sochar comhchineáil ná banda pósta dhá ioncam.","Official sources: Revenue (revenue.ie), Department of Social Protection (gov.ie), Citizens Information, Workplace Relations Commission.":"Foinsí oifigiúla: Revenue (revenue.ie), An Roinn Coimirce Sóisialaí (gov.ie), Citizens Information, An Coimisiún um Chaidreamh san Áit Oibre.","Income tax, single, €50,000":"Cáin ioncaim, singil, €50,000","USC on €50,000":"MSU ar €50,000","Employee PRSI at €1,000 a week (per week, from October)":"ÁSPC fostaí ag €1,000 sa tseachtain (in aghaidh na seachtaine, ó Dheireadh Fómhair)","Full State Pension (Contributory), per week":"Pinsean Stáit (Ranníocach) iomlán, in aghaidh na seachtaine","Statutory redundancy, 10 years at €1,000 a week":"Iomarcaíocht reachtúil, 10 mbliana ag €1,000 sa tseachtain","Maximum Jobseeker’s Pay-Related Benefit (per week)":"Uasmhéid Sochair Cuardaitheora Poist Pá-Choibhneasa (in aghaidh na seachtaine)","Child Benefit per child (per month)":"Sochar Leanaí in aghaidh an linbh (in aghaidh na míosa)","Social security (Class 1) 10%":"Slándáil shóisialta (Aicme 1) 10%","Self-employed social security (Class 2) 15%":"Slándáil shóisialta féinfhostaithe (Aicme 2) 15%","or paid in lieu; no statutory severance pay":"nó íoctha ina ionad; gan pá iomarcaíochta reachtúil","Notice (either side)":"Fógra (an dá thaobh)","8 weeks + 1 per year, max 12":"8 seachtaine + 1 in aghaidh na bliana, uas. 12","Malta":"Málta","Tax computation":"Ríomh cánach","Married (joint)":"Pósta (comhpháirteach)","Parent (single parent)":"Tuismitheoir (aontuismitheoir)","Single: 0% up to €12,000, 15% to €16,000, 25% to €60,000, 35% above. Married (joint): tax-free €15,000, or €17,500 with 1 child and €22,500 with 2 or more. Parent: tax-free €13,000, €14,500 with 1 child, €18,500 with 2 or more. Social security is not deductible.":"Singil: 0% suas le €12,000, 15% go €16,000, 25% go €60,000, 35% os a chionn. Pósta (comhpháirteach): saor ó cháin €15,000, nó €17,500 le leanbh amháin agus €22,500 le 2 nó níos mó. Tuismitheoir: saor ó cháin €13,000, €14,500 le leanbh amháin, €18,500 le 2 nó níos mó. Níl slándáil shóisialta in-asbhainte.","Social security and bonuses":"Slándáil shóisialta agus bónais","Employee and employer each pay 10% of the basic wage, capped at €55.93 a week (born from 1962); the employer adds 0.3% to the maternity fund. Statutory bonuses of €512.52 and the income supplements (about €242 a year) are paid in June and December and are in the Bonus field. Cost-of-living increase (COLA) 2026: €4.66 a week.":"Íocann an fostaí agus an fostóir 10% an duine den bhunphá, teoranta do €55.93 sa tseachtain (rugadh ó 1962); cuireann an fostóir 0.3% leis don chiste máithreachais. Íoctar bónais reachtúla €512.52 agus na forlíontaí ioncaim (thart ar €242 in aghaidh na bliana) i Meitheamh agus i Nollaig agus tá siad sa réimse Bónas. Ardú costas maireachtála (COLA) 2026: €4.66 sa tseachtain.","Minimum wage":"Pá íosta","€229.44 a week for adults in 2026.":"€229.44 sa tseachtain do dhaoine fásta in 2026.","Legal premium":"Préimh dhlíthiúil","Overtime is paid at least time-and-a-half (+50%); work on public holidays and Sundays usually gets double pay or a day off by agreement. Average week max 48 hours over 17 weeks.":"Íoctar ragobair ar a laghad 1.5 oiread (+50%); faigheann obair ar laethanta saoire poiblí agus ar an Domhnach pá dúbailte nó lá saor de réir comhaontaithe de ghnáth. Meánseachtain uas. 48 uair thar 17 seachtaine.","Overtime is taxed at your marginal rate like normal pay here.":"Gearrtar cáin ar ragobair anseo ag do ráta imeallach mar ghnáthphá.","Class 2 social security 15% of net income, capped at the maximum pensionable income (about €4,362 a year), with a minimum for low incomes. Profit is taxed on the same rate tables. VAT registration under Article 11 for small turnover.":"Slándáil shóisialta Aicme 2 15% den ghlanioncam, teoranta don uasioncam inphinsin (thart ar €4,362 in aghaidh na bliana), le híosmhéid d’ioncaim ísle. Gearrtar cáin ar bhrabús ar na táblaí rátaí céanna. Clárú CBL faoi Airteagal 11 do láimhdeachas beag.","Two-thirds pension":"Pinsean dhá thrian","⅔ of the average of your best 10 calendar years of the last 41, capped at the maximum pensionable income (€29,083 in 2026 for those born from 1962), reduced pro rata if you have fewer than 41 years (40 if born 1962–1968) of contributions. At least 10 years needed.":"⅔ de mheán do 10 mbliana féilire is fearr de na 41 dheireanacha, teoranta don uasioncam inphinsin (€29,083 in 2026 dóibh siúd a rugadh ó 1962), laghdaithe pro rata má tá níos lú ná 41 bliain (40 má rugadh 1962–1968) ranníocaíochtaí agat. Teastaíonn 10 mbliana ar a laghad.","65 for those born from 1962. From 61 if you have the full contribution record and are no longer working. Pensions rise each year with the cost-of-living increase.":"65 dóibh siúd a rugadh ó 1962. Ó 61 má tá an taifead ranníocaíochta iomlán agat agus nach bhfuil tú ag obair a thuilleadh. Ardaíonn pinsin gach bliain leis an ardú costas maireachtála.","Personal Retirement Scheme: a 25% tax credit on contributions up to €3,000 a year (and €750 for employer voluntary schemes). From retirement up to 30% can be taken as a tax-free lump sum; the rest is taxed as income. Bank interest can be taxed at a final 15%.":"Scéim Scoir Phearsanta: creidmheas cánach 25% ar ranníocaíochtaí suas le €3,000 in aghaidh na bliana (agus €750 do scéimeanna deonacha fostóra). Ó scor is féidir suas le 30% a ghlacadh mar chnapshuim saor ó cháin; gearrtar cáin ar an gcuid eile mar ioncam. Is féidir cáin dheiridh 15% a ghearradh ar ús bainc.","St Paul’s Shipwreck":"Longbhriseadh Naomh Pól","St Joseph":"Naomh Iósaf","Sette Giugno":"Sette Giugno","St Peter and St Paul":"Naomh Peadar agus Naomh Pól","Victory Day":"Lá an Bhua","192 hours a year (24 days of 8 hours), plus an extra day for each public holiday falling on a weekend. 14 public holidays.":"192 uair in aghaidh na bliana (24 lá de 8 n-uaire), móide lá breise do gach lá saoire poiblí a thiteann ar an deireadh seachtaine. 14 lá saoire poiblí.","18 weeks":"18 seachtaine","14 weeks full pay by employer, 4 weeks state maternity benefit":"14 seachtaine pá iomlán ón bhfostóir, 4 seachtaine sochar máithreachais stáit","Birth leave":"Saoire breithe","10 working days for the father or co-parent":"10 lá oibre don athair nó don chomhthuismitheoir","Full pay (employer, reimbursed by the state)":"Pá iomlán (fostóir, aisíoctha ag an stát)","4 months per parent until the child is 8":"4 mhí in aghaidh an tuismitheora go dtí go mbíonn an leanbh 8","First 2 months paid at the sickness-benefit rate":"An chéad 2 mhí íoctha ag ráta an tsochair bhreoiteachta","By sector wage order, often 2 weeks a year on full pay":"De réir ordú pá na hearnála, 2 sheachtain in aghaidh na bliana ar phá iomlán go minic","Employer, minus sickness benefit":"Fostóir, lúide sochar breoiteachta","Termination by the employer (redundancy)":"Foirceannadh ag an bhfostóir (iomarcaíocht)","After probation: 1 week (1–6 months of service), 2 weeks (6 months–2 years), 4 weeks (2–4 years), 8 weeks (4–7 years), then +1 week per year up to 12 weeks (more by contract for technical or managerial jobs). Same for both sides; pay in lieu is possible.":"Tar éis promhaidh: seachtain (1–6 mhí seirbhíse), 2 sheachtain (6 mhí–2 bhliain), 4 seachtaine (2–4 bliana), 8 seachtaine (4–7 mbliana), ansin +seachtain in aghaidh na bliana suas le 12 sheachtain (níos mó de réir conartha do phoist theicniúla nó bainistíochta). Mar an gcéanna don dá thaobh; is féidir íoc ina ionad.","Malta has no statutory severance pay for redundancy. An Industrial Tribunal can award compensation for unfair dismissal.":"Níl pá iomarcaíochta reachtúil ag Málta. Is féidir le Binse Tionsclaíoch cúiteamh a dhámhachtain as dífhostú éagórach.","From January 2026: 60% of your wage for 10 weeks, 55% for the next 10 and 50% for the last 6 (156 days), on a wage between the minimum wage and 175% of it. Needs 50 weeks of contributions, 20 in the last 2 years.":"Ó Eanáir 2026: 60% de do phá ar feadh 10 seachtaine, 55% don 10 eile agus 50% don 6 dheireanacha (156 lá), ar phá idir an pá íosta agus 175% de. Teastaíonn 50 seachtain ranníocaíochtaí, 20 díobh sna 2 bhliain dheireanacha.","The Bonus field holds the statutory bonuses and income supplements (about €755 a year). Married? Joint computation usually lowers the tax.":"Coinníonn an réimse Bónas na bónais reachtúla agus na forlíontaí ioncaim (thart ar €755 in aghaidh na bliana). Pósta? Laghdaíonn ríomh comhpháirteach an cháin de ghnáth.","Children’s Allowance is means-tested (a minimum amount is paid to all families). The married and parent tax tables already give wider tax-free bands for children.":"Braitheann Liúntas Leanaí ar ioncam (íoctar méid íosta le gach teaghlach). Tugann táblaí pósta agus tuismitheoirí bandaí saor ó cháin níos leithne do leanaí cheana féin.","No statutory severance; notice or pay in lieu":"Gan iomarcaíocht reachtúil; fógra nó íocaíocht ina ionad","18 weeks (14 full pay + 4 state benefit)":"18 seachtaine (14 pá iomlán + 4 sochar stáit)","10 days at full pay":"10 lá ar phá iomlán","4 months per parent until 8, 2 paid":"4 mhí in aghaidh an tuismitheora go 8, 2 íoctha","By sector, often 2 weeks full pay":"De réir earnála, 2 sheachtain pá iomlán go minic","Resident employee with the standard tax tables; part-time and overtime special rates, the 15% rate for some foreign workers, and tax credits for specific groups are not modelled. Average wages for Malta come from Eurostat (2025 estimated).":"Fostaí cónaithe leis na gnáth-tháblaí cánach; ní ríomhtar rátaí speisialta páirtaimseartha agus ragoibre, an ráta 15% do roinnt oibrithe eachtracha, ná creidmheasanna cánach do ghrúpaí ar leith. Tagann meánphá Mhálta ó Eurostat (2025 measta).","Official sources: Malta Tax and Customs Administration (mtca.gov.mt), Department of Social Security (socialsecurity.gov.mt), DIER (employment conditions), Jobsplus.":"Foinsí oifigiúla: Malta Tax and Customs Administration (mtca.gov.mt), An Roinn Slándála Sóisialta (socialsecurity.gov.mt), DIER (coinníollacha fostaíochta), Jobsplus.","Tax, single, chargeable income €30,000":"Cáin, singil, ioncam inmhuirearaithe €30,000","Tax, married with 2 children, €40,000":"Cáin, pósta le 2 leanbh, €40,000","Tax, parent with 1 child, €20,000":"Cáin, tuismitheoir le leanbh amháin, €20,000","Maximum employee social security (per year)":"Uasmhéid slándála sóisialta fostaí (in aghaidh na bliana)","Maximum two-thirds pension (per year)":"Uasmhéid pinsin dhá thrian (in aghaidh na bliana)","Maximum unemployment benefit, first 10 weeks (per week)":"Uasmhéid sochair dhífhostaíochta, an chéad 10 seachtaine (in aghaidh na seachtaine)","Social insurance 8.8%":"Árachas sóisialta 8.8%","National health system (GESY) 2.65%":"Córas sláinte náisiúnta (GESY) 2.65%","Child deduction":"Asbhaint leanaí","50% exemption for new residents":"Díolúine 50% do chónaitheoirí nua","Self-employed social insurance 16.6% + GESY 4%":"Árachas sóisialta féinfhostaithe 16.6% + GESY 4%","Redundancy payment (Redundancy Fund, tax-free)":"Íocaíocht iomarcaíochta (Ciste Iomarcaíochta, saor ó cháin)","or paid in lieu":"nó íoctha ina ionad","Redundancy pay (weeks per year)":"Pá iomarcaíochta (seachtainí in aghaidh na bliana)","Cyprus":"An Chipir","After the 2026 reform: 0% up to €22,000, 20% to €32,000, 25% to €42,000, 30% to €72,000, 35% above. Social insurance, GESY and pension or life-insurance contributions (up to ⅕ of income) are deductible. Child deduction €1,000 for the first child, €1,250 for the second, €1,500 from the third, for family incomes up to €100,000–200,000. New residents earning over €55,000 can exempt 50% of pay.":"Tar éis athchóiriú 2026: 0% suas le €22,000, 20% go €32,000, 25% go €42,000, 30% go €72,000, 35% os a chionn. Tá árachas sóisialta, GESY agus ranníocaíochtaí pinsin nó árachais saoil (suas le ⅕ den ioncam) in-asbhainte. Asbhaint leanaí €1,000 don chéad leanbh, €1,250 don dara ceann, €1,500 ón tríú ceann, d’ioncaim teaghlaigh suas le €100,000–200,000. Is féidir le cónaitheoirí nua a thuilleann níos mó ná €55,000 50% den phá a dhíolmhú.","Contributions":"Ranníocaíochtaí","Employee: social insurance 8.8% up to €68,904 a year (€5,742 a month) and GESY 2.65%. Employer: 8.8% + 2% social cohesion + 1.2% redundancy fund + 0.5% training fund + 2.9% GESY. A 13th salary is common.":"Fostaí: árachas sóisialta 8.8% suas le €68,904 in aghaidh na bliana (€5,742 in aghaidh na míosa) agus GESY 2.65%. Fostóir: 8.8% + 2% comhtháthú sóisialta + 1.2% ciste iomarcaíochta + 0.5% ciste oiliúna + 2.9% GESY. Is coitianta 13ú tuarastal.","By agreement":"De réir comhaontaithe","There is no general legal overtime premium; collective agreements usually give time-and-a-half. Max 48 hours a week on average.":"Níl aon phréimh ragoibre dhlíthiúil ghinearálta ann; tugann comhaontuithe comhchoiteanna 1.5 oiread de ghnáth. Uas. 48 uair sa tseachtain ar an meán.","Social insurance 16.6% of income (with a minimum deemed income by occupation, up to €68,904) and GESY 4%. Profit is taxed on the same scale.":"Árachas sóisialta 16.6% den ioncam (le hioncam íosta measta de réir slí bheatha, suas le €68,904) agus GESY 4%. Gearrtar cáin ar bhrabús ar an scála céanna.","A basic pension (60% of the average of your insurance points up to the basic insurable earnings, more with dependants) plus a supplementary pension of 1.5% of your insured earnings above them. Paid 13 times a year. Age 65 with at least 15 years; from 63 with a 12% reduction.":"Bunphinsean (60% de mheán do phointí árachais suas go dtí an bunthuilleamh inárachais, níos mó le cleithiúnaithe) móide pinsean forlíontach de 1.5% de do thuilleamh árachaithe os a gcionn. Íoctha 13 huaire sa bhliain. Aois 65 le 15 bliana ar a laghad; ó 63 le laghdú 12%.","Provident funds":"Cistí coigilteach","Many employers run a provident fund (often 5–10% each side); contributions are deductible within the ⅕ limit and lump sums at retirement are tax-free.":"Reáchtálann go leor fostóirí ciste coigilteach (5–10% gach taobh go minic); tá ranníocaíochtaí in-asbhainte laistigh den teorainn ⅕ agus tá cnapshuimeanna ag scor saor ó cháin.","Provident funds and personal pension plans: contributions are deductible up to ⅕ of income (together with social insurance and GESY). Lump sums from provident funds at retirement are tax-free; pensions are taxed as income, with the first €22,000 tax-free. Interest pays 17% defence contribution.":"Cistí coigilteach agus pleananna pinsin pearsanta: tá ranníocaíochtaí in-asbhainte suas le ⅕ den ioncam (in éineacht le hárachas sóisialta agus GESY). Tá cnapshuimeanna ó chistí coigilteach ag scor saor ó cháin; gearrtar cáin ar phinsin mar ioncam, an chéad €22,000 saor ó cháin. Íocann ús ranníocaíocht chosanta 17%.","Greek Independence Day":"Lá Neamhspleáchais na Gréige","Cyprus National Day":"Lá Náisiúnta na Cipire","Easter Tuesday":"Máirt Cásca","Kataklysmos (Whit Monday)":"Kataklysmos (Luan Cincíse)","Cyprus Independence Day":"Lá Neamhspleáchais na Cipire","20 working days on a 5-day week (24 on 6 days), paid by the employer or the central holiday fund. Public holidays follow the Orthodox calendar; the private sector observes most of the 15 official ones by collective agreement.":"20 lá oibre i seachtain 5 lá (24 i 6 lá), íoctha ag an bhfostóir nó ag an gciste saoire lárnach. Leanann laethanta saoire poiblí an féilire Ceartchreidmheach; breathnaíonn an earnáil phríobháideach formhór na 15 cinn oifigiúla de réir comhaontaithe chomhchoitinn.","22 weeks (11 compulsory around birth)":"22 seachtain (11 éigeantach timpeall na breithe)","Maternity allowance 72% of insurable earnings":"Liúntas máithreachais 72% den tuilleamh inárachais","2 weeks within 16 weeks of the birth":"2 sheachtain laistigh de 16 seachtaine ón mbreith","Paternity allowance 72% of insurable earnings":"Liúntas atharthachta 72% den tuilleamh inárachais","18 weeks per parent until the child is 8":"18 seachtaine in aghaidh an tuismitheora go dtí go mbíonn an leanbh 8","8 weeks paid by social insurance, the rest unpaid":"8 seachtaine íoctha ag árachas sóisialta, an chuid eile gan phá","Force majeure and carer’s leave":"Saoire force majeure agus cúramóra","7 days a year force majeure + 5 days carer’s leave":"7 lá in aghaidh na bliana force majeure + 5 lá saoire cúramóra","Sickness benefit from the 4th day, up to 156 days":"Sochar breoiteachta ón 4ú lá, suas le 156 lá","About 60% of insurable earnings":"Thart ar 60% den tuilleamh inárachais","Redundancy payment":"Íocaíocht iomarcaíochta","After 2 years of continuous service, paid by the Redundancy Fund: 2 weeks’ pay per year for the first 4 years, 2.5 weeks for years 5–10, 3 for 11–15, 3.5 for 16–20 and 4 for 21–30, max 75 weeks, on pay up to the insurable maximum. Tax-free.":"Tar éis 2 bhliain seirbhíse leanúnaí, íoctha ag an gCiste Iomarcaíochta: pá 2 sheachtain in aghaidh na bliana don chéad 4 bliana, 2.5 seachtaine do bhlianta 5–10, 3 do 11–15, 3.5 do 16–20 agus 4 do 21–30, uas. 75 seachtain, ar phá suas go dtí an t-uasmhéid inárachais. Saor ó cháin.","From the employer after 26 weeks: 1 week (under 1 year), 2 weeks (1–2), 4 (2–3), 5 (3–4), 6 (4–5), 7 (5–6), 8 (6+). From you: usually 1–4 weeks.":"Ón bhfostóir tar éis 26 seachtain: seachtain (faoi bhliain), 2 sheachtain (1–2), 4 (2–3), 5 (3–4), 6 (4–5), 7 (5–6), 8 (6+). Uaitse: 1–4 seachtaine de ghnáth.","60% of your basic insurable earnings plus a supplementary part on earnings above them (more with dependants), for up to 156 days. Needs at least 26 weeks of contributions. Amounts here are estimates.":"60% de do bhunthuilleamh inárachais móide cuid fhorlíontach ar thuilleamh os a chionn (níos mó le cleithiúnaithe), suas le 156 lá. Teastaíonn 26 seachtain ranníocaíochtaí ar a laghad. Is meastacháin iad na méideanna anseo.","Since 2026 the first €22,000 is tax-free. Moving to Cyprus for a job over €55,000? 50% of your pay can be exempt (tick the new-resident box in Compare countries).":"Ó 2026 tá an chéad €22,000 saor ó cháin. Ag bogadh go dtí an Chipir le haghaidh poist os cionn €55,000? Is féidir 50% de do phá a dhíolmhú (cuir tic sa bhosca cónaitheora nua i gCuir tíortha i gcomparáid).","Child benefit is income-tested (family income up to €49,000 and assets limits). Spouses are taxed separately; the child deduction goes to one parent.":"Braitheann sochar leanaí ar ioncam (ioncam teaghlaigh suas le €49,000 agus teorainneacha sócmhainní). Gearrtar cáin ar chéilí ar leithligh; téann an asbhaint leanaí chuig tuismitheoir amháin.","Redundancy Fund after 2 years (tax-free)":"Ciste Iomarcaíochta tar éis 2 bhliain (saor ó cháin)","22 weeks at 72% of insurable earnings":"22 seachtain ag 72% den tuilleamh inárachais","2 weeks at 72%":"2 sheachtain ag 72%","18 weeks per parent until 8, 8 paid":"18 seachtaine in aghaidh an tuismitheora go 8, 8 íoctha","From the 4th day, about 60%":"Ón 4ú lá, thart ar 60%","Resident employee taxed individually. Pension and unemployment amounts are estimates based on approximate basic insurable earnings; the official figures use your insurance points. The holiday fund contribution (8% for some sectors) is not included in employer cost. Average wages for Cyprus come from Eurostat (2025 estimated).":"Fostaí cónaithe a ngearrtar cáin air ina aonar. Is meastacháin iad méideanna pinsin agus dífhostaíochta bunaithe ar bhunthuilleamh inárachais garbh; úsáideann na figiúirí oifigiúla do phointí árachais. Níl ranníocaíocht an chiste saoire (8% i roinnt earnálacha) i gcostas an fhostóra. Tagann meánphá na Cipire ó Eurostat (2025 measta).","Official sources: Tax Department (mof.gov.cy/tax), Social Insurance Services (mlsi.gov.cy/sid), Health Insurance Organisation (gesy.org.cy), Department of Labour Relations.":"Foinsí oifigiúla: An Roinn Cánach (mof.gov.cy/tax), Seirbhísí Árachais Shóisialta (mlsi.gov.cy/sid), An Eagraíocht Árachais Sláinte (gesy.org.cy), An Roinn Caidreamh Saothair.","Income tax on taxable €50,000":"Cáin ioncaim ar €50,000 inchánach","Tax-free threshold (no tax at €22,000 taxable)":"Tairseach saor ó cháin (gan cáin ag €22,000 inchánach)","Employee social insurance at the 2026 ceiling (per year)":"Árachas sóisialta fostaí ag uasteorainn 2026 (in aghaidh na bliana)","GESY employee contribution on €30,000":"Ranníocaíocht GESY fostaí ar €30,000","Redundancy weeks after 10 years":"Seachtainí iomarcaíochta tar éis 10 mbliana","New amount (optional)":"Méid nua (roghnach)","Next to each expense you can type a new amount, lower or higher than today. It replaces the suggested ceiling for that category, and the possible saving becomes today’s spending minus your new amount.":"In aice le gach caiteachas is féidir leat méid nua a chlóscríobh, níos ísle nó níos airde ná inniu. Tagann sé in áit an uasteorainn mholta don chatagóir sin, agus is é an coigilt fhéideartha an caiteachas inniu lúide do mhéid nua.","Suggested ceiling or your new amount":"Uasteorainn mholta nó do mhéid nua","your new amount":"do mhéid nua","suggested {v}":"molta {v}","extra cost":"costas breise","With your new amounts":"Le do mhéideanna nua","earliest stop age with the new amounts you typed":"an aois is luaithe le stopadh leis na méideanna nua a chlóscríobh tú","With your new amounts you save {m} a month: <b>{x}</b> after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"Le do mhéideanna nua coigleann tú {m} sa mhí: <b>{x}</b> tar éis {n} bliain, agus d’fhéadfá stopadh ag obair ag <b>{s2}</b> in ionad {s1}.","With your new amounts you spend {m} more a month: <b>{x}</b> less after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"Le do mhéideanna nua caitheann tú {m} níos mó sa mhí: <b>{x}</b> níos lú tar éis {n} bliain, agus d’fhéadfá stopadh ag obair ag <b>{s2}</b> in ionad {s1}.","Only the national scale and the Madrid and Catalonia regional scales are included; tax in other regions differs slightly.":"Níl ach an scála náisiúnta agus scálaí réigiúnacha Mhaidrid agus na Catalóine san áireamh; bíonn an cháin i réigiúin eile beagán difriúil.","Rates for England, Wales and Northern Ireland; Scotland’s income tax bands, student loans and benefits in kind are not included.":"Rátaí do Shasana, an Bhreatain Bheag agus Tuaisceart Éireann; níl bandaí cánach na hAlban, iasachtaí mac léinn ná sochair chomhchineáil san áireamh.","The 30% ruling for expats and the health-insurance premium are not included.":"Níl an riail 30% d’eisimircigh ná an phréimh árachais sláinte san áireamh.","The lower rates of the Azores and Madeira and the health, education and housing deductions are not included.":"Níl rátaí níos ísle na nAsór agus Mhaidéara ná na asbhaintí sláinte, oideachais agus tithíochta san áireamh.","The wider tax band for married couples with two incomes is not modelled, and take-home pay is tested only through its parts (tax, USC, PRSI).":"Níl an banda níos leithne do lánúineacha pósta le dhá ioncam múnlaithe, agus ní thástáiltear an glanphá ach trína codanna (cáin, USC, PRSI).","Only the minimum pension is checked; the pension built up from your pay follows the rules but is not tested.":"Ní sheiceáiltear ach an pinsean íosta; leanann an pinsean a thógtar ó do phá na rialacha ach níl sé tástáilte.","Only the accrual rate is checked, not a full pension amount.":"Ní sheiceáiltear ach an ráta fabhraithe, ní méid iomlán pinsin.","The amount is an estimate: the official pension depends on your insurance points, and the basic insurable earnings used here are approximate.":"Is meastachán é an méid: braitheann an pinsean oifigiúil ar do phointí árachais, agus is garmheastachán iad na tuilleamh bunúsach inárachaithe a úsáidtear anseo.","The unemployment benefit is an estimate based on approximate basic insurable earnings.":"Is meastachán é an sochar dífhostaíochta bunaithe ar thuilleamh bunúsach inárachaithe garmheasta.","Premium rates follow the law; take-home extra pay uses the normal salary tax and contributions.":"Leanann na rátaí préimhe an dlí; úsáideann an glanphá breise gnáthcháin agus gnáthranníocaíochtaí an tuarastail.","Austria’s tax-free overtime allowance is not applied, so take-home overtime pay is slightly too low.":"Ní chuirtear liúntas ragoibre saor ó cháin na hOstaire i bhfeidhm, mar sin tá glanphá ragoibre beagán ró-íseal.","Malta’s 15% flat tax on part of overtime pay is not applied, so take-home overtime pay is slightly too low.":"Ní chuirtear cáin réidh 15% Mhálta ar chuid den phá ragoibre i bhfeidhm, mar sin tá glanphá ragoibre beagán ró-íseal.","Self-employed tax and contributions are simplified; special freelancer schemes can give different results.":"Tá cáin agus ranníocaíochtaí féinfhostaithe simplithe; is féidir le scéimeanna speisialta do shaoroibrithe torthaí difriúla a thabhairt.","Average wages for Malta are Eurostat 2025 figures projected to 2026; official 2026 figures are not yet published.":"Is figiúirí Eurostat 2025 iad meánphá Mhálta, teilgthe go 2026; níl figiúirí oifigiúla 2026 foilsithe fós.","Average wages for Cyprus are Eurostat 2025 figures projected to 2026; official 2026 figures are not yet published.":"Is figiúirí Eurostat 2025 iad meánphá na Cipire, teilgthe go 2026; níl figiúirí oifigiúla 2026 foilsithe fós.","The state pension used here is an estimate (see the Pension tab).":"Is meastachán é an pinsean stáit a úsáidtear anseo (féach an cluaisín Pinsean).","Approximate":"Garmheasta","Not verified":"Gan fíorú","For {c}, these figures follow the published 2026 rules but have not been checked against an official calculator yet.":"Maidir le {c}, leanann na figiúirí seo rialacha foilsithe 2026 ach níor seiceáladh fós iad le háireamhán oifigiúil.","For {c}, this tab is partly checked against official sources ({n} checks), but some parts are approximate:":"Maidir le {c}, tá an cluaisín seo seiceáilte go páirteach le foinsí oifigiúla ({n} seiceáil), ach tá roinnt codanna garmheasta:","For {c}, some parts of this tab are approximate:":"Maidir le {c}, tá roinnt codanna den chluaisín seo garmheasta:","Labour market contribution (AM-bidrag) 8%":"Ranníocaíocht mhargadh an tsaothair (AM-bidrag) 8%","ATP (supplementary pension), employee share":"ATP (pinsean forlíontach), sciar an fhostaí","State base tax (bundskat) 12.01%":"Buncháin stáit (bundskat) 12.01%","Church tax (kirkeskat)":"Cáin eaglaise (kirkeskat)","Middle, top and top-top tax (7.5% / 7.5% / 5%)":"Cáin lár, cáin bharr agus cáin bharr-bharr (7.5% / 7.5% / 5%)","Employment allowance + job allowance (deducted)":"Liúntas fostaíochta + liúntas poist (asbhainte)","Personal allowance":"Liúntas pearsanta","Child and youth benefit (paid separately, about)":"Sochar leanaí agus óige (íoctha ar leith, thart ar)","white-collar minimum (Funktionærloven); others by collective agreement":"íosmhéid d’oibrithe oifige (Funktionærloven); daoine eile de réir an chomhaontaithe chomhchoitinn","1 month":"1 mhí","Denmark":"An Danmhairg","Municipal tax rate (%)":"Ráta cánach bardasaí (%)","Member of the Church of Denmark (church tax)":"Ball d’Eaglais na Danmhairge (cáin eaglaise)","8% labour market contribution first, then municipal tax (average 25.05%, 23.39–26.30%) and state base tax 12.01% above the personal allowance of DKK 54,100. Middle tax 7.5% above DKK 641,200, top tax 7.5% above DKK 777,900 and top-top tax 5% above DKK 2,592,700 (personal income after AM). Tax ceiling 44.57% for municipal + base + middle tax.":"Ar dtús ranníocaíocht mhargadh an tsaothair 8%, ansin cáin bhardasach (meán 25.05%, 23.39–26.30%) agus bunchánach stáit 12.01% os cionn an liúntais phearsanta de DKK 54,100. Cáin lár 7.5% os cionn DKK 641,200, cáin bharr 7.5% os cionn DKK 777,900 agus cáin bharr-bharr 5% os cionn DKK 2,592,700 (ioncam pearsanta tar éis AM). Uasteorainn chánach 44.57% do chánacha bardasacha + bun + lár.","Employment allowance 12.75% of pay (max DKK 63,300) and job allowance 4.5% above DKK 235,200 (max DKK 3,100) reduce the municipal tax base. Church tax about 0.87% for members. ATP: DKK 99 a month from you, DKK 198 from the employer.":"Laghdaíonn an liúntas fostaíochta 12.75% den phá (uas DKK 63,300) agus an liúntas poist 4.5% os cionn DKK 235,200 (uas DKK 3,100) bonn na cánach bardasaí. Cáin eaglaise thart ar 0.87% do bhaill. ATP: DKK 99 sa mhí uaitse, DKK 198 ón bhfostóir.","Danish law sets no overtime premium; collective agreements usually pay +50% for the first hours and +100% after, or time off. Average week max 48 hours over 4 months.":"Ní shocraíonn dlí na Danmhairge préimh ragoibre; íocann comhaontuithe comhchoitinne +50% de ghnáth do na chéad uaireanta agus +100% ina dhiaidh sin, nó am saor. Meánseachtain 48 uair ar a mhéad thar 4 mhí.","Overtime pays AM-bidrag and income tax like normal pay.":"Íocann ragobair AM-bidrag agus cáin ioncaim cosúil le gnáthphá.","Profit pays the 8% labour market contribution and the same income taxes as wages (personal allowance, municipal and state taxes). Voluntary ATP and unemployment insurance are extra. VAT registration above DKK 50,000 turnover.":"Íocann an brabús ranníocaíocht mhargadh an tsaothair 8% agus na cánacha ioncaim céanna le pá (liúntas pearsanta, cánacha bardasacha agus stáit). Tá ATP agus árachas dífhostaíochta deonach breise. Clárú CBL os cionn láimhdeachas DKK 50,000.","From 67 (born up to 1962), 68 (1963–66), 69 (1967–70) and 70 (from 1971). Basic amount DKK 7,544 a month, full after 40 years of residence between 15 and pension age; pension supplement up to DKK 8,729 (single) or DKK 4,467 (couple), reduced by other income. Deferring raises the pension.":"Ó 67 (rugadh suas go 1962), 68 (1963–66), 69 (1967–70) agus 70 (ó 1971). Bunmhéid DKK 7,544 sa mhí, iomlán tar éis 40 bliain cónaithe idir 15 agus aois pinsin; forlíonadh pinsin suas le DKK 8,729 (singil) nó DKK 4,467 (lánúin), laghdaithe de réir ioncam eile. Méadaíonn iarchur an pinsean.","ATP and labour-market pensions":"ATP agus pinsin mhargadh an tsaothair","ATP is a small lifelong supplement for everyone who worked. Most income in retirement comes from labour-market pensions agreed in collective agreements, typically 12% of pay (8% employer, 4% employee), deducted before AM-bidrag.":"Is forlíonadh beag saoil é ATP do gach duine a d’oibrigh. Tagann an chuid is mó den ioncam ar scor ó phinsin mhargadh an tsaothair a comhaontaíodh i gcomhaontuithe comhchoitinne, 12% den phá de ghnáth (8% fostóir, 4% fostaí), asbhainte roimh AM-bidrag.","Contributions to an employer pension scheme are deducted before AM-bidrag and income tax. Payouts are taxed as income; returns pay 15.3% PAL tax.":"Asbhaintear ranníocaíochtaí le scéim phinsin fostóra roimh AM-bidrag agus cáin ioncaim. Gearrtar cáin ar íocaíochtaí mar ioncam; íocann fáltais cáin PAL 15.3%.","Labour-market pension: contributions (often 4% from you and 8% from the employer) are deducted before AM-bidrag and tax. Returns pay 15.3% PAL tax, payouts are taxed as income. Deposit interest is capital income taxed at about 37–42%.":"Pinsean mhargadh an tsaothair: asbhaintear na ranníocaíochtaí (4% uaitse agus 8% ón bhfostóir go minic) roimh AM-bidrag agus cáin. Íocann fáltais cáin PAL 15.3%, gearrtar cáin ar íocaíochtaí mar ioncam. Is ioncam caipitil é ús taisce, cáinithe ag thart ar 37–42%.","Maundy Thursday":"Déardaoin Mandála","Easter Sunday":"Domhnach Cásca","Whit Sunday":"Domhnach Cincíse","Constitution Day (often a day off)":"Lá an Bhunreachta (lá saor go minic)","5 weeks (25 working days) a year under the Holiday Act, earned at 2.08 days a month, with 12.5% holiday pay or full pay plus a 1% supplement. Many agreements add 5 extra holiday days (feriefridage). Great Prayer Day was abolished in 2024.":"5 seachtaine (25 lá oibre) sa bhliain faoin Acht Saoire, tuillte ag 2.08 lá sa mhí, le pá saoire 12.5% nó pá iomlán móide forlíonadh 1%. Cuireann go leor comhaontuithe 5 lá saoire breise leis (feriefridage). Cuireadh deireadh le Lá Mór na hUrnaí in 2024.","4 weeks before the birth and 24 weeks after (11 of them earmarked)":"4 seachtaine roimh an mbreith agus 24 seachtaine ina dhiaidh (11 díobh curtha in áirithe)","Barselsdagpenge up to DKK 5,085 a week; many employers pay full salary":"Barselsdagpenge suas le DKK 5,085 sa tseachtain; íocann go leor fostóirí tuarastal iomlán","Leave for the other parent":"Saoire don tuismitheoir eile","24 weeks, of which 2 right after the birth and 11 earmarked":"24 seachtaine, 2 díobh díreach tar éis na breithe agus 11 curtha in áirithe","Barselsdagpenge up to DKK 5,085 a week":"Barselsdagpenge suas le DKK 5,085 sa tseachtain","Child’s sick day":"Lá breoiteachta linbh","1st and often 2nd sick day of a child under 18 (by agreement)":"An 1ú agus go minic an 2ú lá breoiteachta de leanbh faoi 18 (de réir comhaontaithe)","Usually paid":"Íoctha de ghnáth","Up to 5 days a year for a seriously ill relative":"Suas le 5 lá sa bhliain do ghaol atá go dona tinn","White-collar staff keep full pay; otherwise the employer pays 30 days, then the municipality":"Coinníonn oibrithe oifige pá iomlán; murach sin íocann an fostóir 30 lá, ansin an bardas","Sygedagpenge up to DKK 5,085 a week":"Sygedagpenge suas le DKK 5,085 sa tseachtain","Notice (white-collar)":"Fógra (oibrithe oifige)","From the employer: 1 month in the first 6 months, then 3 months, rising by 1 month every 3 years to 6 months after almost 9 years. From you: 1 month. Other workers follow their collective agreement.":"Ón bhfostóir: 1 mhí sna chéad 6 mhí, ansin 3 mhí, ag ardú 1 mhí gach 3 bliana go 6 mhí tar éis beagnach 9 mbliana. Uaitse: 1 mhí. Leanann oibrithe eile a gcomhaontú comhchoitinn.","Severance and unemployment benefit":"Íocaíocht scaoilte agus sochar dífhostaíochta","White-collar staff get 1, 2 or 3 months’ pay after 12, 15 or 18 years. Unemployment benefit (dagpenge) for a-kasse members: 90% of previous pay, max DKK 22,041 a month, for up to 2 years.":"Faigheann oibrithe oifige pá 1, 2 nó 3 mhí tar éis 12, 15 nó 18 mbliana. Sochar dífhostaíochta (dagpenge) do bhaill a-kasse: 90% den phá roimhe, uas DKK 22,041 sa mhí, suas le 2 bhliain.","Above DKK 641,200 (after AM) middle tax adds 7.5%; pension contributions through your employer reduce it.":"Os cionn DKK 641,200 (tar éis AM) cuireann cáin lár 7.5% leis; laghdaíonn ranníocaíochtaí pinsin trí d’fhostóir í.","Join an a-kasse: without membership there is no earnings-related unemployment benefit.":"Bí i do bhall de a-kasse: gan bhallraíocht níl aon sochar dífhostaíochta bunaithe ar thuilleamh.","Child and youth benefit (børne- og ungeydelse) 2026: DKK 5,370 a quarter (0–2 years), 4,248 (3–6), 3,342 (7–14) and DKK 1,114 a month (15–17); reduced for high earners. The table uses the 7–14 rate.":"Sochar leanaí agus óige (børne- og ungeydelse) 2026: DKK 5,370 an ráithe (0–2 bliain), 4,248 (3–6), 3,342 (7–14) agus DKK 1,114 sa mhí (15–17); laghdaithe do thuillteoirí arda. Úsáideann an tábla ráta 7–14.","White-collar severance after 12 years":"Íocaíocht scaoilte oibrithe oifige tar éis 12 bliain","4 + 24 weeks, up to DKK 5,085/week":"4 + 24 seachtaine, suas le DKK 5,085/seachtain","24 weeks (2 at birth, 11 earmarked)":"24 seachtaine (2 ag an mbreith, 11 curtha in áirithe)","Shared within the 48 weeks":"Roinnte laistigh de na 48 seachtaine","Full pay for white-collar staff":"Pá iomlán d’oibrithe oifige","Employee taxed individually; annual tax as in the year-end statement (monthly withholding follows the tax card). Labour-market pension contributions, transport deduction, union fees and the high-earner reduction of child benefit are not modelled. Employer cost is ATP plus about 0.6% for other levies.":"Fostaí cáinithe ina aonar; cáin bhliantúil mar atá sa ráiteas deireadh bliana (leanann an asbhaint mhíosúil an cárta cánach). Ní dhéantar samhaltú ar ranníocaíochtaí pinsin mhargadh an tsaothair, asbhaint taistil, táillí ceardchumainn ná laghdú an tsochair leanaí do thuillteoirí arda. Is é costas an fhostóra ATP móide thart ar 0.6% de thobhaigh eile.","Official sources: Skattestyrelsen (skat.dk), Skatteministeriet (average municipal and church tax 2026), Beskæftigelsesministeriet (rates 2026), borger.dk (folkepension, child benefit), Funktionærloven.":"Foinsí oifigiúla: Skattestyrelsen (skat.dk), Skatteministeriet (meánchánach bhardasach agus eaglaise 2026), Beskæftigelsesministeriet (rátaí 2026), borger.dk (folkepension, sochar leanaí), Funktionærloven.","Maximum employment allowance (reached at DKK 496,471)":"Uasliúntas fostaíochta (sroichte ag DKK 496,471)","Maximum job allowance":"Uasliúntas poist","Base tax on personal income of DKK 300,000":"Bunchánach ar ioncam pearsanta de DKK 300,000","Middle tax on personal income of DKK 700,000":"Cáin lár ar ioncam pearsanta de DKK 700,000","Full folkepension, single (per month)":"Folkepension iomlán, singil (sa mhí)","White-collar notice after 10 years (months)":"Fógra oibrí oifige tar éis 10 mbliana (míonna)","Child and youth benefit, age 0–2 (per quarter)":"Sochar leanaí agus óige, aois 0–2 (an ráithe)","General pension contribution 7% (credited back against tax)":"Ranníocaíocht ghinearálta pinsin 7% (creidiúnaithe ar ais in aghaidh cánach)","State income tax 20% above SEK 643,000":"Cáin ioncaim stáit 20% os cionn SEK 643,000","Tax reductions (pension contribution, work, earned income)":"Laghduithe cánach (ranníocaíocht pinsin, obair, ioncam tuillte)","Basic allowance (grundavdrag)":"Bunliúntas (grundavdrag)","Employment tax credit (jobbskatteavdrag)":"Creidmheas cánach fostaíochta (jobbskatteavdrag)","Child allowance (paid separately)":"Liúntas leanaí (íoctha ar leith)","Self-employed contributions (egenavgifter 28.97%) + pension contribution 7%":"Ranníocaíochtaí féinfhostaithe (egenavgifter 28.97%) + ranníocaíocht pinsin 7%","minimum under the Employment Protection Act (LAS); collective agreements may give more":"íosmhéid faoin Acht um Chosaint Fostaíochta (LAS); féadfaidh comhaontuithe comhchoitinne níos mó a thabhairt","Sweden":"An tSualainn","Municipal + regional tax rate (%)":"Ráta cánach bardasaí + réigiúnaí (%)","Member of the Church of Sweden (church fee)":"Ball d’Eaglais na Sualainne (táille eaglaise)","Municipal and regional tax (average 32.38%) on pay after the basic allowance (SEK 17,400–45,600); state tax 20% on taxable income above SEK 643,000 (pay above about SEK 660,400). The employment tax credit (jobbskatteavdrag) and the earned income reduction (up to SEK 1,500) lower the tax; burial fee 0.292% and public service fee 1% (max SEK 1,184) are added.":"Cáin bhardasach agus réigiúnach (meán 32.38%) ar phá tar éis an bhunliúntais (SEK 17,400–45,600); cáin stáit 20% ar ioncam inchánach os cionn SEK 643,000 (pá os cionn thart ar SEK 660,400). Ísligh an creidmheas cánach fostaíochta (jobbskatteavdrag) agus an laghdú ar ioncam tuillte (suas le SEK 1,500) an cháin; cuirtear táille adhlactha 0.292% agus táille seirbhíse poiblí 1% (uas SEK 1,184) leis.","You pay a 7% general pension contribution (max SEK 47,100), which is fully credited back against your tax. The employer pays 31.42% social fees on top of your salary.":"Íocann tú ranníocaíocht ghinearálta pinsin 7% (uas SEK 47,100), a chreidiúnaítear ar ais go hiomlán in aghaidh do cháin. Íocann an fostóir táillí sóisialta 31.42% ar bharr do thuarastail.","The Working Hours Act limits overtime to 200 hours a year (48 per 4 weeks or 50 per month); the premium comes from collective agreements, usually +50% on weekdays and +100% at night and weekends.":"Cuireann an tAcht um Uaireanta Oibre teorainn 200 uair sa bhliain ar ragobair (48 in aghaidh 4 seachtaine nó 50 sa mhí); tagann an phréimh ó chomhaontuithe comhchoitinne, +50% i rith na seachtaine agus +100% san oíche agus ag an deireadh seachtaine de ghnáth.","Overtime is taxed like normal pay.":"Gearrtar cáin ar ragobair cosúil le gnáthphá.","200 h / year":"200 u / bliain","Sole trader (enskild firma)":"Trádálaí aonair (enskild firma)","Self-employed contributions of 28.97% are paid on the profit (with a provisional 25% deduction), then the same income taxes and tax credits as for employees. F-tax registration and preliminary tax payments are needed.":"Íoctar ranníocaíochtaí féinfhostaithe 28.97% ar an mbrabús (le hasbhaint shealadach 25%), ansin na cánacha ioncaim agus creidmheasanna cánach céanna le fostaithe. Tá clárú F-skatt agus íocaíochtaí réamhchánach ag teastáil.","18.5% of pensionable pay (16% income pension, 2.5% premium pension in funds), on pay up to SEK 625,500 a year. Claim from 63; target age 67 in 2026. A guarantee pension (about SEK 9,530 a month for a single person with no income pension) tops up low pensions from 67 after 40 years of residence.":"18.5% den phá inphinsin (16% pinsean ioncaim, 2.5% pinsean préimhe i gcistí), ar phá suas le SEK 625,500 sa bhliain. Éileamh ó 63; spriocaois 67 in 2026. Forlíonann pinsean ráthaithe (thart ar SEK 9,530 sa mhí do dhuine singil gan phinsean ioncaim) pinsin ísle ó 67 tar éis 40 bliain cónaithe.","Occupational pension":"Pinsean ceirde","Nine in ten employees have an occupational pension through a collective agreement, typically 4.5% of pay up to 7.5 income base amounts and 30% above.":"Tá pinsean ceirde ag naonúr as gach deichniúr fostaithe trí chomhaontú comhchoitinn, 4.5% den phá de ghnáth suas le 7.5 bunmhéid ioncaim agus 30% os a gcionn.","Salary exchange (löneväxling) into your occupational pension is paid before tax; employers often add about 6% because their social fees are lower. Private pension savings are not tax-deductible for employees.":"Íoctar malartú tuarastail (löneväxling) isteach i do phinsean ceirde roimh cháin; cuireann fostóirí thart ar 6% leis go minic toisc go bhfuil a dtáillí sóisialta níos ísle. Níl coigilteas pinsin príobháideach inasbhainte d’fhostaithe.","Occupational pension (ITP, SAF-LO and others) is paid by the employer; salary exchange lets you add more before tax. Payouts are taxed as income. Savings in an investment savings account (ISK) pay a small flat yearly tax instead of 30% on returns.":"Íocann an fostóir an pinsean ceirde (ITP, SAF-LO agus eile); ligeann malartú tuarastail duit níos mó a chur leis roimh cháin. Gearrtar cáin ar íocaíochtaí mar ioncam. Íocann coigilteas i gcuntas coigiltis infheistíochta (ISK) cáin bhliantúil bheag sheasta in ionad 30% ar fháltais.","May Day":"Lá Bealtaine","Midsummer Day":"Lá Fhéile Eoin (lár an tsamhraidh)","All Saints’ Day":"Lá na Naomh Uile","Boxing Day":"Lá Fhéile Stiofáin","25 working days a year under the Annual Leave Act, with 12% holiday pay (or salary plus a holiday supplement), 4 weeks of it in June–August if you wish. Midsummer Eve, Christmas Eve and New Year’s Eve are treated as public holidays by most employers.":"25 lá oibre sa bhliain faoin Acht um Shaoire Bhliantúil, le pá saoire 12% (nó tuarastal móide forlíonadh saoire), 4 seachtaine de i Meitheamh–Lúnasa más mian leat. Caitheann formhór na bhfostóirí le hOíche Fhéile Eoin, Oíche Nollag agus Oíche Chinn Bliana mar laethanta saoire poiblí.","Parental benefit":"Sochar tuismitheora","480 days per child for both parents (90 reserved for each); can be used until the child is 12":"480 lá in aghaidh an linbh don bheirt tuismitheoirí (90 curtha in áirithe do gach duine); inúsáidte go dtí go mbíonn an leanbh 12","390 days at about 80% of pay (capped at 10 price base amounts), 90 days at SEK 180":"390 lá ag thart ar 80% den phá (uasteorainn 10 mbunmhéid praghsanna), 90 lá ag SEK 180","Days at birth for the other parent":"Laethanta ag an mbreith don tuismitheoir eile","10 days in connection with the birth":"10 lá i dtaca leis an mbreith","About 80% from Försäkringskassan":"Thart ar 80% ó Försäkringskassan","Care of a sick child (VAB)":"Cúram linbh bhreoite (VAB)","Up to 120 days a year per child under 12":"Suas le 120 lá sa bhliain in aghaidh an linbh faoi 12","About 80% of pay":"Thart ar 80% den phá","Employer pays days 2–14 (one deduction day), then Försäkringskassan":"Íocann an fostóir laethanta 2–14 (lá asbhainte amháin), ansin Försäkringskassan","80% of pay":"80% den phá","Dismissal (lack of work)":"Dífhostú (easpa oibre)","Notice (LAS)":"Fógra (LAS)","From the employer: 1 month (under 2 years of service), 2 months (2–4), 3 (4–6), 4 (6–8), 5 (8–10), 6 months (10+). From you: 1 month. There is no statutory severance pay; some agreements give transition support.":"Ón bhfostóir: 1 mhí (faoi 2 bhliain seirbhíse), 2 mhí (2–4), 3 (4–6), 4 (6–8), 5 (8–10), 6 mhí (10+). Uaitse: 1 mhí. Níl íocaíocht iomarcaíochta reachtúil ann; tugann roinnt comhaontuithe tacaíocht aistrithe.","For a-kassa members: 80% of previous pay for the first 100 days (max SEK 1,200 a day), then 70% (max SEK 1,000), up to 300 days.":"Do bhaill a-kassa: 80% den phá roimhe ar feadh na chéad 100 lá (uas SEK 1,200 sa lá), ansin 70% (uas SEK 1,000), suas le 300 lá.","Above about SEK 660,400 a year, state tax adds 20% on each extra krona.":"Os cionn thart ar SEK 660,400 sa bhliain, cuireann cáin stáit 20% le gach coróin bhreise.","Join an a-kassa early: you need 12 months of membership for the earnings-related rate.":"Bí i do bhall de a-kassa go luath: teastaíonn 12 mhí ballraíochta don ráta bunaithe ar thuilleamh.","Child allowance SEK 1,250 a month per child until 16, with a large-family supplement from the 2nd child (SEK 150 for 2 children, 730 for 3, 1,740 for 4).":"Liúntas leanaí SEK 1,250 sa mhí in aghaidh an linbh go 16, le forlíonadh teaghlaigh mhóir ón 2ú leanbh (SEK 150 do 2 leanbh, 730 do 3, 1,740 do 4).","No statutory severance":"Gan íocaíocht iomarcaíochta reachtúil","480 days per child shared, ~80% for 390":"480 lá in aghaidh an linbh roinnte, ~80% do 390","10 days at birth + 90 reserved days":"10 lá ag an mbreith + 90 lá curtha in áirithe","Included in the 480 days, until age 12":"San áireamh sna 480 lá, go haois 12","80% from day 2 (employer days 2–14)":"80% ón 2ú lá (fostóir laethanta 2–14)","Employee under 66 taxed with the 2026 tax table rules (column 1); the final tax decision can differ slightly. Deductions for travel, union fees and interest, the higher allowances from 66 and housing supplements are not modelled. Typical rent is the SCB average for a 2-room flat.":"Fostaí faoi 66 cáinithe le rialacha táblaí cánach 2026 (colún 1); d’fhéadfadh an cinneadh cánach deiridh a bheith beagán difriúil. Ní dhéantar samhaltú ar asbhaintí taistil, táillí ceardchumainn agus úis, na liúntais níos airde ó 66 ná forlíontaí tithíochta. Is é an cíos tipiciúil meán SCB d’árasán 2 sheomra.","Official sources: Skatteverket (Teknisk beskrivning SKV 433 2026, belopp och procent 2026), Pensionsmyndigheten, Försäkringskassan, Statistics Sweden (SCB rents 2025), the Employment Protection Act (LAS).":"Foinsí oifigiúla: Skatteverket (Teknisk beskrivning SKV 433 2026, belopp och procent 2026), Pensionsmyndigheten, Försäkringskassan, Staitisticí na Sualainne (cíosanna SCB 2025), an tAcht um Chosaint Fostaíochta (LAS).","Employment tax credit at SEK 90,000 (municipal rate 32.84%)":"Creidmheas cánach fostaíochta ag SEK 90,000 (ráta bardasach 32.84%)","Employment tax credit at SEK 240,000 (municipal rate 32.84%)":"Creidmheas cánach fostaíochta ag SEK 240,000 (ráta bardasach 32.84%)","Total tax on SEK 55,000 a year (34% table)":"Cáin iomlán ar SEK 55,000 sa bhliain (tábla 34%)","Basic allowance at the state-tax breakpoint (SEK 660,400)":"Bunliúntas ag tairseach na cánach stáit (SEK 660,400)","Maximum general pension contribution":"Uasranníocaíocht ghinearálta pinsin","Employer notice after 10 years (months)":"Fógra fostóra tar éis 10 mbliana (míonna)","Child allowance, 2 children (per month)":"Liúntas leanaí, 2 leanbh (sa mhí)","Social security contribution (trygdeavgift) 7.6%":"Ranníocaíocht slándála sóisialta (trygdeavgift) 7.6%","Tax on ordinary income 22%":"Cáin ar ghnáthioncam 22%","Bracket tax (trinnskatt)":"Cáin bhanda (trinnskatt)","Standard deduction (minstefradrag)":"Asbhaint chaighdeánach (minstefradrag)","Employer’s mandatory occupational pension (at least 2%)":"Pinsean ceirde éigeantach an fhostóra (2% ar a laghad)","Child benefit (paid separately)":"Sochar leanaí (íoctha ar leith)","Social security contribution for the self-employed 10.8%":"Ranníocaíocht slándála sóisialta do dhaoine féinfhostaithe 10.8%","minimum under the Working Environment Act":"íosmhéid faoin Acht um Thimpeallacht Oibre","age":"aois","Norway":"An Iorua","Union fees per year (deductible up to NOK 8,700)":"Táillí ceardchumainn sa bhliain (inasbhainte suas le NOK 8,700)","22% on ordinary income after the standard deduction (46% of pay, max NOK 95,700) and the personal allowance of NOK 114,540. Bracket tax on gross pay: 1.7% above NOK 226,100, 4.0% above 318,300, 13.7% above 725,050, 16.8% above 980,100 and 17.8% above 1,467,200.":"22% ar ghnáthioncam tar éis na hasbhainte caighdeánaí (46% den phá, uas NOK 95,700) agus an liúntais phearsanta de NOK 114,540. Cáin bhanda ar olltuarastal: 1.7% os cionn NOK 226,100, 4.0% os cionn 318,300, 13.7% os cionn 725,050, 16.8% os cionn 980,100 agus 17.8% os cionn 1,467,200.","Employee contribution 7.6% of pay (none below NOK 99,650, and never more than 25% of the income above it). The employer pays 14.1% (zone 1) and at least 2% into an occupational pension (OTP) on pay between 1 and 12 G.":"Ranníocaíocht fostaí 7.6% den phá (dada faoi NOK 99,650, agus riamh níos mó ná 25% den ioncam os a chionn). Íocann an fostóir 14.1% (crios 1) agus 2% ar a laghad isteach i bpinsean ceirde (OTP) ar phá idir 1 agus 12 G.","Overtime is paid at least +40% under the Working Environment Act. Max 10 hours a week, 25 hours in 4 weeks and 200 hours a year (up to 300 by agreement).":"Íoctar ragobair ag +40% ar a laghad faoin Acht um Thimpeallacht Oibre. Uas 10 n-uaire sa tseachtain, 25 uair in 4 seachtaine agus 200 uair sa bhliain (suas le 300 trí chomhaontú).","Overtime is taxed like normal pay, often at about 44–50% at the margin.":"Gearrtar cáin ar ragobair cosúil le gnáthphá, go minic ag thart ar 44–50% ag an imeall.","Sole proprietor (ENK)":"Úinéir aonair (ENK)","Profit pays 10.8% social security, bracket tax and 22% on ordinary income after the personal allowance (no standard deduction). Sickness benefit only from day 17 unless you buy extra insurance; no mandatory pension, so save on your own (EPS).":"Íocann an brabús slándáil shóisialta 10.8%, cáin bhanda agus 22% ar ghnáthioncam tar éis an liúntais phearsanta (gan asbhaint chaighdeánach). Sochar breoiteachta ón 17ú lá amháin mura gceannaíonn tú árachas breise; gan phinsean éigeantach, mar sin coigil tú féin (EPS).","National retirement pension":"Pinsean scoir náisiúnta","18.1% of each year’s income up to 7.1 G (G = NOK 136,549 from May 2026) is added to your pension account. Claim flexibly from 62 to 75 (from 62 only if the pension at 67 reaches the guarantee level); a later start gives more per year. Guarantee pension up to NOK 253,787 a year (single, 40 years of residence) from 67.":"Cuirtear 18.1% d’ioncam gach bliana suas le 7.1 G (G = NOK 136,549 ó Bhealtaine 2026) le do chuntas pinsin. Éileamh solúbtha ó 62 go 75 (ó 62 ach amháin má shroicheann an pinsean ag 67 an leibhéal ráthaithe); tugann tús níos déanaí níos mó sa bhliain. Pinsean ráthaithe suas le NOK 253,787 sa bhliain (singil, 40 bliain cónaithe) ó 67.","Occupational pension and AFP":"Pinsean ceirde agus AFP","Employers must pay at least 2% of pay between 1 and 12 G into OTP; many pay 5–7%. In firms with a collective agreement, the AFP adds a lifelong supplement.":"Caithfidh fostóirí 2% ar a laghad den phá idir 1 agus 12 G a íoc isteach in OTP; íocann go leor 5–7%. I ngnólachtaí le comhaontú comhchoitinn, cuireann an AFP forlíonadh saoil leis.","Individual pension savings (IPS): up to NOK 15,000 a year is deducted from ordinary income (22% saving). Employer OTP contributions are tax-free for you.":"Coigilteas pinsin aonair (IPS): asbhaintear suas le NOK 15,000 sa bhliain ó ghnáthioncam (coigilt 22%). Tá ranníocaíochtaí OTP an fhostóra saor ó cháin duitse.","OTP from the employer (at least 2%, often 5–7%) and IPS (up to NOK 15,000 a year, deductible at 22%). Payouts are taxed as pension income. Deposit interest is taxed at 22%.":"OTP ón bhfostóir (2% ar a laghad, 5–7% go minic) agus IPS (suas le NOK 15,000 sa bhliain, inasbhainte ag 22%). Gearrtar cáin ar íocaíochtaí mar ioncam pinsin. Gearrtar cáin 22% ar ús taisce.","25 working days a year under the Holiday Act (counting Saturdays, so 4 weeks and 1 day); most collective agreements give 5 weeks. Holiday pay is 10.2% of last year’s pay (12% with 5 weeks), paid in June instead of salary; 2.3% extra from age 60.":"25 lá oibre sa bhliain faoin Acht Saoire (Satharn san áireamh, mar sin 4 seachtaine agus 1 lá); tugann formhór na gcomhaontuithe comhchoitinne 5 seachtaine. Is é an pá saoire 10.2% de phá na bliana seo caite (12% le 5 seachtaine), íoctha i Meitheamh in ionad tuarastail; 2.3% breise ó aois 60.","49 weeks at 100% or 61 weeks at 80%; 3 weeks before the birth and 15 weeks for each parent are reserved":"49 seachtaine ag 100% nó 61 seachtaine ag 80%; tá 3 seachtaine roimh an mbreith agus 15 seachtaine do gach tuismitheoir curtha in áirithe","100% (or 80%) of pay up to 6 G (NOK 819,294 a year)":"100% (nó 80%) den phá suas le 6 G (NOK 819,294 sa bhliain)","Leave for the other parent at birth":"Saoire don tuismitheoir eile ag an mbreith","2 weeks in connection with the birth":"2 sheachtain i dtaca leis an mbreith","Paid by many employers or by agreement":"Íoctha ag go leor fostóirí nó trí chomhaontú","Care of a sick child":"Cúram linbh bhreoite","10 days a year per parent (15 with 3+ children), child under 12":"10 lá sa bhliain in aghaidh an tuismitheora (15 le 3+ leanbh), leanbh faoi 12","100% (employer, then NAV)":"100% (fostóir, ansin NAV)","Employer pays the first 16 days, then NAV, up to 1 year":"Íocann an fostóir na chéad 16 lá, ansin NAV, suas le bliain","100% of pay up to 6 G":"100% den phá suas le 6 G","Dismissal (redundancy)":"Dífhostú (iomarcaíocht)","1 month, 2 months after 5 years and 3 months after 10 years of service; with 10+ years the employer must give 4 months from age 50, 5 from 55 and 6 from 60. Dismissal needs objective grounds. There is no statutory severance pay.":"1 mhí, 2 mhí tar éis 5 bliana agus 3 mhí tar éis 10 mbliana seirbhíse; le 10+ bliain caithfidh an fostóir 4 mhí a thabhairt ó aois 50, 5 ó 55 agus 6 ó 60. Teastaíonn forais oibiachtúla le dífhostú. Níl íocaíocht iomarcaíochta reachtúil ann.","Unemployment benefit (dagpenger)":"Sochar dífhostaíochta (dagpenger)","62.4% of previous income up to 6 G, for 104 weeks if you earned at least 2 G (52 weeks otherwise). Requires income of at least 1.5 G in the last 12 months.":"62.4% den ioncam roimhe suas le 6 G, ar feadh 104 seachtaine má thuill tú 2 G ar a laghad (52 seachtaine murach sin). Teastaíonn ioncam 1.5 G ar a laghad sna 12 mhí deiridh.","Above NOK 725,050 bracket tax jumps to 13.7%, so each extra krone keeps only about half.":"Os cionn NOK 725,050 léimeann cáin bhanda go 13.7%, mar sin ní choinníonn gach coróin bhreise ach thart ar a leath.","IPS: saving NOK 15,000 a year in a pension account cuts your tax by NOK 3,300.":"IPS: laghdaíonn coigilt NOK 15,000 sa bhliain i gcuntas pinsin do cháin NOK 3,300.","Child benefit NOK 2,012 a month per child under 18 from February 2026, not means-tested.":"Sochar leanaí NOK 2,012 sa mhí in aghaidh an linbh faoi 18 ó Fheabhra 2026, gan tástáil acmhainne.","49 weeks at 100% (shared, 15 reserved each)":"49 seachtaine ag 100% (roinnte, 15 curtha in áirithe do gach duine)","15 reserved weeks + 2 at birth":"15 seachtaine curtha in áirithe + 2 ag an mbreith","Included in the 49 weeks":"San áireamh sna 49 seachtaine","100% up to 6 G from day 1":"100% suas le 6 G ón gcéad lá","Employee in tax zone 1 (not Finnmark or Nord-Troms), taxed as single (tax class 1); the annual settlement can differ from monthly withholding. Interest, travel and other deductions are not modelled. Typical rent is the SSB average for a 2-room flat; energy costs are raised with general inflation because 2020 electricity prices were unusually low.":"Fostaí i gcrios cánach 1 (ní Finnmark ná Nord-Troms), cáinithe mar dhuine singil (aicme cánach 1); d’fhéadfadh an socrú bliantúil a bheith difriúil ón asbhaint mhíosúil. Ní dhéantar samhaltú ar ús, taisteal ná asbhaintí eile. Is é an cíos tipiciúil meán SSB d’árasán 2 sheomra; ardaítear costais fuinnimh le boilsciú ginearálta toisc go raibh praghsanna leictreachais 2020 íseal go neamhghnách.","Official sources: Skatteetaten (rates 2026), NAV (G from May 2026, guarantee pension, child benefit, dagpenger), Statistics Norway (rental survey 2025), the Working Environment Act.":"Foinsí oifigiúla: Skatteetaten (rátaí 2026), NAV (G ó Bhealtaine 2026, pinsean ráthaithe, sochar leanaí, dagpenger), Staitisticí na hIorua (suirbhé cíosa 2025), an tAcht um Thimpeallacht Oibre.","Bracket tax on NOK 800,000":"Cáin bhanda ar NOK 800,000","Maximum standard deduction (minstefradrag)":"Uasasbhaint chaighdeánach (minstefradrag)","Social security at NOK 100,000 (25% rule above NOK 99,650)":"Slándáil shóisialta ag NOK 100,000 (riail 25% os cionn NOK 99,650)","Employee social security, NOK 600,000":"Slándáil shóisialta fostaí, NOK 600,000","Guarantee pension, single, high rate (per year)":"Pinsean ráthaithe, singil, ráta ard (sa bhliain)","Notice after 10 years at age 56 (months)":"Fógra tar éis 10 mbliana ag aois 56 (míonna)","Maximum unemployment benefit per day (62.4% of 6 G / 260)":"Uasshochar dífhostaíochta sa lá (62.4% de 6 G / 260)","Child benefit per child (per month)":"Sochar leanaí in aghaidh an linbh (sa mhí)","Unemployment insurance 0.89% + daily allowance contribution 0.88%":"Árachas dífhostaíochta 0.89% + ranníocaíocht liúntais laethúil 0.88%","State income tax (after the work income deduction)":"Cáin ioncaim stáit (tar éis asbhaint ioncaim oibre)","Health care contribution 1.10% + Yle tax":"Ranníocaíocht cúraim sláinte 1.10% + cáin Yle","Work income deduction (työtulovähennys)":"Asbhaint ioncaim oibre (työtulovähennys)","Self-employed pension (YEL) 24.4%":"Pinsean féinfhostaithe (YEL) 24.4%","14 days":"14 lá","minimum under the Employment Contracts Act; agreements may differ":"íosmhéid faoin Acht um Chonarthaí Fostaíochta; d’fhéadfadh comhaontuithe a bheith difriúil","Finland":"An Fhionlainn","Church member (church tax)":"Ball eaglaise (cáin eaglaise)","State tax 12.64% up to €22,000, 19% to €32,600, 30.25% to €40,100, 33.25% to €52,100 and 37.5% above; municipal tax (average 7.57%) after the basic deduction (up to €4,265); church tax about 1.38% for members; health care contribution 1.10%; Yle tax 2.5% above €15,150 (max €163). The work income deduction (18% of pay, max €3,430, +€105 per child) is taken from the tax.":"Cáin stáit 12.64% suas le €22,000, 19% go €32,600, 30.25% go €40,100, 33.25% go €52,100 agus 37.5% os a chionn; cáin bhardasach (meán 7.57%) tar éis an bhunasbhainte (suas le €4,265); cáin eaglaise thart ar 1.38% do bhaill; ranníocaíocht cúraim sláinte 1.10%; cáin Yle 2.5% os cionn €15,150 (uas €163). Baintear an asbhaint ioncaim oibre (18% den phá, uas €3,430, +€105 in aghaidh an linbh) den cháin.","Employee pension 7.30% (8.80% at ages 53–62), unemployment insurance 0.89% and daily allowance contribution 0.88%, all deductible. The employer pays about 17.1% pension plus 3.4% other insurances.":"Pinsean fostaí 7.30% (8.80% ag aois 53–62), árachas dífhostaíochta 0.89% agus ranníocaíocht liúntais laethúil 0.88%, iad uile inasbhainte. Íocann an fostóir thart ar 17.1% pinsin móide 3.4% árachais eile.","Daily overtime: +50% for the first 2 hours and +100% after; weekly overtime +50% for the first 8 hours and +100% after. Sunday work +100%. Max 138 hours in 4 months and 250 a year (more by agreement).":"Ragobair laethúil: +50% do na chéad 2 uair agus +100% ina dhiaidh; ragobair sheachtainiúil +50% do na chéad 8 n-uaire agus +100% ina dhiaidh. Obair Domhnaigh +100%. Uas 138 uair in 4 mhí agus 250 sa bhliain (níos mó trí chomhaontú).","Self-employed (toiminimi)":"Féinfhostaithe (toiminimi)","YEL pension insurance is compulsory above about €9,400 of YEL income, at 24.4% (22% discount for new entrepreneurs for 4 years); it is deductible. Profit is taxed as earned income with the same scale; part can be taxed as capital income depending on net assets. Not modelled: the 22% discount and capital income share.":"Tá árachas pinsin YEL éigeantach os cionn thart ar €9,400 d’ioncam YEL, ag 24.4% (lascaine 22% d’fhiontraithe nua ar feadh 4 bliana); tá sé inasbhainte. Gearrtar cáin ar bhrabús mar ioncam tuillte leis an scála céanna; féadfar cáin a ghearradh ar chuid mar ioncam caipitil ag brath ar ghlansócmhainní. Ní dhéantar samhaltú: an lascaine 22% ná an sciar ioncaim caipitil.","Earnings-related pension":"Pinsean bunaithe ar thuilleamh","1.5% of each year’s pay is earned as pension, adjusted by the life-expectancy coefficient. The lowest old-age pension age is 65 for those born from 1965 (rising with life expectancy), and each month of deferral adds 0.4%.":"Tuilltear 1.5% de phá gach bliana mar phinsean, coigeartaithe ag an gcomhéifeacht ionchais saoil. Is í an aois íosta pinsin seanaoise 65 dóibh siúd a rugadh ó 1965 (ag ardú le hionchas saoil), agus cuireann gach mí iarchurtha 0.4% leis.","National and guarantee pension":"Pinsean náisiúnta agus ráthaithe","Kela’s national pension (up to €787.07 a month for a single person) and guarantee pension (total pension at least €990.90 a month) top up small earnings-related pensions.":"Forlíonann pinsean náisiúnta Kela (suas le €787.07 sa mhí do dhuine singil) agus an pinsean ráthaithe (pinsean iomlán €990.90 sa mhí ar a laghad) pinsin bheaga bunaithe ar thuilleamh.","Voluntary pension savings (PS) of up to €5,000 a year are deductible from capital income, or as a 30% credit against earned income tax if you have no capital income. Payouts are capital income.":"Tá coigilteas pinsin deonach (PS) suas le €5,000 sa bhliain inasbhainte ó ioncam caipitil, nó mar chreidmheas 30% in aghaidh cánach ar ioncam tuillte mura bhfuil ioncam caipitil agat. Is ioncam caipitil iad na híocaíochtaí.","The statutory earnings-related pension covers most people well; voluntary PS savings (up to €5,000 a year) get a deduction worth about 30%. Deposit interest and fund gains pay 30% capital income tax (34% above €30,000).":"Clúdaíonn an pinsean reachtúil bunaithe ar thuilleamh formhór na ndaoine go maith; faigheann coigilteas PS deonach (suas le €5,000 sa bhliain) asbhaint ar fiú thart ar 30% í. Íocann ús taisce agus gnóthachain cistí cáin 30% ar ioncam caipitil (34% os cionn €30,000).","2.5 days of leave for each full month worked (2 days in the first year), counted in weekdays Mon–Sat: 30 days, equal to 5 weeks. Most collective agreements add a holiday bonus (lomaraha) of 50% of holiday pay. Midsummer Eve and Christmas Eve are usually days off.":"2.5 lá saoire do gach mí iomlán oibre (2 lá sa chéad bhliain), comhairthe i laethanta Luan–Satharn: 30 lá, cothrom le 5 seachtaine. Cuireann formhór na gcomhaontuithe comhchoitinne bónas saoire (lomaraha) 50% den phá saoire leis. Is laethanta saor de ghnáth iad Oíche Fhéile Eoin agus Oíche Nollag.","Pregnancy allowance":"Liúntas toirchis","40 working days before the birth":"40 lá oibre roimh an mbreith","About 90% of pay for the first 56 days, then about 70%":"Thart ar 90% den phá do na chéad 56 lá, ansin thart ar 70%","160 days per parent (up to 63 transferable) until the child is 2":"160 lá in aghaidh an tuismitheora (suas le 63 inaistrithe) go dtí go mbíonn an leanbh 2","About 70% of pay from Kela":"Thart ar 70% den phá ó Kela","Temporary care leave":"Saoire chúraim shealadach","Up to 4 days for a sick child under 10":"Suas le 4 lá do leanbh breoite faoi 10","Often paid by collective agreement":"Íoctha go minic trí chomhaontú comhchoitinn","Employer pays the day you fall ill and the next 9 working days, then Kela":"Íocann an fostóir an lá a éiríonn tú tinn agus na 9 lá oibre ina dhiaidh, ansin Kela","100%, then about 70% sickness allowance":"100%, ansin thart ar 70% liúntas breoiteachta","Dismissal (financial or production reasons)":"Dífhostú (cúiseanna airgeadais nó táirgeachta)","From the employer: 14 days (under 1 year of service), 1 month (1–4 years), 2 months (4–8), 4 months (8–12), 6 months (12+). From you: 14 days, or 1 month after 5 years. No statutory severance pay; compensation only for unjustified dismissal.":"Ón bhfostóir: 14 lá (faoi bhliain seirbhíse), 1 mhí (1–4 bliana), 2 mhí (4–8), 4 mhí (8–12), 6 mhí (12+). Uaitse: 14 lá, nó 1 mhí tar éis 5 bliana. Gan íocaíocht iomarcaíochta reachtúil; cúiteamh as dífhostú éagórach amháin.","Unemployment allowance":"Liúntas dífhostaíochta","Earnings-related allowance for unemployment fund members: €37.21 a day + 45% of the daily wage above it (20% above the split point), reduced to 80% after 8 weeks and 75% after 34 weeks, for 400 days (300 with less than 3 years of work).":"Liúntas bunaithe ar thuilleamh do bhaill chiste dífhostaíochta: €37.21 sa lá + 45% den phá laethúil os a chionn (20% os cionn an phointe scoilte), laghdaithe go 80% tar éis 8 seachtaine agus 75% tar éis 34 seachtaine, ar feadh 400 lá (300 le níos lú ná 3 bliana oibre).","Above about €52,100 the state tax is 37.5%, so the marginal tax is about 52%.":"Os cionn thart ar €52,100 is é an cháin stáit 37.5%, mar sin is é an cháin imeallach thart ar 52%.","Join an unemployment fund (työttömyyskassa) to get the earnings-related allowance instead of the basic €37.21 a day.":"Bí i do bhall de chiste dífhostaíochta (työttömyyskassa) chun an liúntas bunaithe ar thuilleamh a fháil in ionad an bhunráta €37.21 sa lá.","Child benefit (lapsilisä) 2026: €94.88 a month for the first child, €104.84 for the second, €133.79 for the third, €153.24 for the fourth and €172.69 for each further child, until 17; single parents get €73.30 more per child.":"Sochar leanaí (lapsilisä) 2026: €94.88 sa mhí don chéad leanbh, €104.84 don dara, €133.79 don tríú, €153.24 don cheathrú agus €172.69 do gach leanbh eile, go 17; faigheann tuismitheoirí aonair €73.30 breise in aghaidh an linbh.","40 days pregnancy + 160 days parental":"40 lá toirchis + 160 lá tuismitheora","160 days parental (63 transferable)":"160 lá tuismitheora (63 inaistrithe)","160 days per parent until age 2":"160 lá in aghaidh an tuismitheora go haois 2","100% for 10 days, then ~70% (Kela)":"100% ar feadh 10 lá, ansin ~70% (Kela)","Employee under 65, annual tax as in the tax decision (monthly withholding uses a tax card percentage). For salaries below about €35,000 the result can be up to 1% of pay higher than the Finnish Taxpayers’ Association figures. Deductions for travel, union fees and household work, and the pension income deduction, are not modelled.":"Fostaí faoi 65, cáin bhliantúil mar atá sa chinneadh cánach (úsáideann an asbhaint mhíosúil céatadán cárta cánach). Do thuarastail faoi thart ar €35,000 d’fhéadfadh an toradh a bheith suas le 1% den phá níos airde ná figiúirí Chumann Íocóirí Cánach na Fionlainne. Ní dhéantar samhaltú ar asbhaintí taistil, táillí ceardchumainn ná obair tí, ná ar an asbhaint ioncaim pinsin.","Official sources: Finnish Tax Administration (vero.fi), Government proposal HE 98/2025 (2026 tax scale and deductions), Kela (national pension, child benefit, unemployment allowance), Finnish Centre for Pensions, Employment Contracts Act; cross-checked with the Finnish Taxpayers’ Association 2026 tables.":"Foinsí oifigiúla: Riarachán Cánach na Fionlainne (vero.fi), togra rialtais HE 98/2025 (scála agus asbhaintí 2026), Kela (pinsean náisiúnta, sochar leanaí, liúntas dífhostaíochta), Lárionad Pinsean na Fionlainne, an tAcht um Chonarthaí Fostaíochta; seiceáilte le táblaí 2026 Chumann Íocóirí Cánach na Fionlainne.","Taxes and contributions on €40,000 (municipal 7.57%, church member)":"Cánacha agus ranníocaíochtaí ar €40,000 (bardasach 7.57%, ball eaglaise)","Taxes and contributions on €50,000":"Cánacha agus ranníocaíochtaí ar €50,000","Taxes and contributions on €60,000":"Cánacha agus ranníocaíochtaí ar €60,000","Taxes and contributions on €100,000":"Cánacha agus ranníocaíochtaí ar €100,000","State tax on taxable income of €40,100":"Cáin stáit ar ioncam inchánach de €40,100","Full guarantee pension (per month)":"Pinsean ráthaithe iomlán (sa mhí)","Employer notice after 12 years":"Fógra fostóra tar éis 12 bliain","Child benefit, 2 children (per month)":"Sochar leanaí, 2 leanbh (sa mhí)","From about €35,000 a year take-home pay matches the Finnish Taxpayers’ Association figures within a few euros; below that, taxes can come out up to 1% of pay too high.":"Ó thart ar €35,000 sa bhliain réitíonn an glanphá le figiúirí Chumann Íocóirí Cánach na Fionlainne laistigh de chúpla euro; faoi sin, d’fhéadfadh cánacha a bheith suas le 1% den phá ró-ard.","Only the tax rates and allowances are checked one by one; take-home pay has not been tested against an official calculator end to end.":"Ní sheiceáiltear ach na rátaí cánach agus na liúntais ceann ar cheann; níor tástáladh an glanphá ó thús go deireadh le háireamhán oifigiúil.","Only the full folkepension amount is checked; ATP is a rough estimate and labour-market pensions, the main source of income in retirement, are not included.":"Ní sheiceáiltear ach méid iomlán an folkepension; is garmheastachán é ATP agus níl pinsin mhargadh an tsaothair, an phríomhfhoinse ioncaim ar scor, san áireamh.","The life-expectancy divisors by claim age are approximate and pension tax uses a simplified allowance from 66; use your statement at minpension.se for exact figures.":"Is garmheastacháin iad na roinnteoirí ionchais saoil de réir aois éilimh agus úsáideann cáin phinsin liúntas simplithe ó 66; úsáid do ráiteas ar minpension.se le haghaidh figiúirí beachta.","Only the guarantee pension is checked; the life-expectancy divisors are approximate, and the pension income tax credit and AFP are not included.":"Ní sheiceáiltear ach an pinsean ráthaithe; is garmheastacháin iad na roinnteoirí ionchais saoil, agus níl creidmheas cánach na bpinsinéirí ná AFP san áireamh.","Only the guarantee pension is checked; the life-expectancy coefficient is approximate and the pension income deduction is not modelled, so net pension is an estimate.":"Ní sheiceáiltear ach an pinsean ráthaithe; is garmheastachán é an chomhéifeacht ionchais saoil agus ní dhéantar samhaltú ar an asbhaint ioncaim pinsin, mar sin is meastachán é an glanphinsean.","The earnings-related unemployment allowance is estimated with a simplified daily wage; the official amount depends on your exact earnings history.":"Meastar an liúntas dífhostaíochta bunaithe ar thuilleamh le pá laethúil simplithe; braitheann an méid oifigiúil ar do stair thuillimh bheacht.","The new 2025 unemployment rules (income-based qualification) are simplified to 80% for 100 days and 70% after.":"Simplítear rialacha nua dífhostaíochta 2025 (cáilíocht bunaithe ar ioncam) go 80% ar feadh 100 lá agus 70% ina dhiaidh.","Enter past and current pay in today’s money. “Raise above inflation” is only the extra real growth you expect on top of price rises (0 = your pay just keeps up with inflation); it matters because the pension is based on your whole career’s pay.":"Cuir isteach pá roimhe seo agus pá reatha in airgead an lae inniu. Níl i “Ardú os cionn boilscithe” ach an fás réadach breise a bhfuil súil agat leis thar ardú praghsanna (0 = coinníonn do phá suas le boilsciú amháin); tá tábhacht leis mar go mbraitheann an pinsean ar phá do ghairmréime ar fad.","Disclaimer:":"Séanadh:","These calculations are indicative and based on the tax, social-security, pension and labour rules in force. Actual amounts may differ. Consult the official authority or a qualified tax or pension adviser for personalised advice.":"Is táscach iad na ríomhanna seo agus tá siad bunaithe ar na rialacha cánach, leasa shóisialaigh, pinsin agus saothair atá i bhfeidhm. D’fhéadfadh na méideanna iarbhír a bheith difriúil. Téigh i gcomhairle leis an údarás oifigiúil nó le comhairleoir cánach nó pinsin cáilithe chun comhairle phearsanta a fháil.","Meal card / month (benefit)":"Cárta béile / mí (sochar)","Company car, value / month":"Carr comhlachta, luach / mí","Fuel allowance / month":"Liúntas breosla / mí","Relocation bonus (one-off)":"Bónas athlonnaithe (aon uaire)","Tax incentive / year (net saving)":"Dreasacht cánach / bliain (coigilt ghlan)","Benefits are counted at the yearly value you enter. Company car: use what it saves you (a similar private lease plus insurance and maintenance, often 300–700 a month). Relocation bonus counts in the first year. Tax incentive: e.g. a new-resident regime (see the Salary tab). Benefits in kind may be partly taxable, which is not modelled here.":"Áirítear sochair ag an luach bliantúil a chuireann tú isteach. Carr comhlachta: cuir isteach an méid a shábhálann sé ort (léas príobháideach comhchosúil le hárachas agus cothabháil, 300–700 sa mhí go minic). Áirítear an bónas athlonnaithe sa chéad bhliain. Dreasacht cánach: m.sh. scéim do chónaitheoirí nua (féach an cluaisín Tuarastal). D’fhéadfadh sochair chomhchineáil a bheith inchánach go páirteach, rud nach ríomhtar anseo.","Meal card (benefit, × 12)":"Cárta béile (sochar, × 12)","Net pay + meal card / year":"Glanphá + cárta béile / bliain","Treated as tax-free; most countries exempt meal cards only up to a daily limit, and above it the excess is taxed as pay.":"Caitear leis mar shaor ó cháin; ní dhíolmhaíonn formhór na dtíortha cártaí béile ach suas le teorainn laethúil, agus os a cionn gearrtar cáin ar an mbarrachas mar phá.","Age ":"Aois","Simulated new amount (optional)":"Méid nua insamhlaithe (roghnach)","incl. bonus {b} and meal card {m} a month":"lena n-áirítear bónas {b} agus cárta béile {m} sa mhí","First enter what you spend today in each category. To test a change, type in “Simulated new amount” what you would spend instead, lower or higher; leave it empty to keep today’s amount. The table below then shows the difference from today for each category (a saving, or an extra cost if higher), what it adds up to over the years and how it moves the age at which you could stop working.":"Cuir isteach ar dtús an méid a chaitheann tú inniu i ngach catagóir. Chun athrú a thástáil, scríobh i “Méid nua insamhlaithe” an méid a chaithfeá ina ionad, níos lú nó níos mó; fág folamh é chun méid an lae inniu a choinneáil. Taispeánann an tábla thíos ansin an difríocht ón lá inniu do gach catagóir (coigilt, nó costas breise má tá sé níos airde), cé mhéad a thagann sé chuige thar na blianta agus conas a athraíonn sé an aois ag a bhféadfá stop a chur leis an obair.","Difference from today / month":"Difríocht ón lá inniu / mí","Tax-free":"Saor ó cháin","Starting amount":"Méid tosaigh","Monthly contribution":"Ranníocaíocht mhíosúil","Yearly increase of contributions (%)":"Ardú bliantúil ar ranníocaíochtaí (%)","Annual interest rate (%)":"Ráta úis bliantúil (%)","Years":"Blianta","Compounding":"Comhshuimiú","Yearly":"Bliantúil","Quarterly":"Ráithiúil","Daily":"Laethúil","Contributions at the":"Ranníocaíochtaí ag","Start of each month":"Tús gach míosa","End of each month":"Deireadh gach míosa","Tax on gains when you withdraw (%)":"Cáin ar ghnóthachain nuair a tharraingíonn tú siar (%)","See how a starting amount and regular savings grow when the interest itself earns interest. Amounts in the currency of the selected country; change the country at the top.":"Féach conas a fhásann méid tosaigh agus coigilt rialta nuair a thuilleann an t-ús féin ús. Méideanna in airgeadra na tíre roghnaithe; athraigh an tír ag an mbarr.","from {p} paid in · interest earned {g}":"as {p} íoctha isteach · ús tuillte {g}","tax on gains {t}":"cáin ar ghnóthachain {t}","starting amount + contributions":"méid tosaigh + ranníocaíochtaí","Interest earned":"Ús tuillte","of the final balance":"den iarmhéid deiridh","In today’s money":"In airgead an lae inniu","after {i} inflation a year":"tar éis boilsciú {i} sa bhliain","Money doubles in":"Dúblaíonn an t-airgead i","years at this rate (rule of 72)":"mbliana ag an ráta seo (riail 72)","Paid in":"Íoctha isteach","Interest":"Ús","Year ":"Bliain","Paid in this year":"Íoctha isteach i mbliana","Interest this year":"Ús i mbliana","How it works: each month interest is added at the rate you entered, converted to your compounding frequency (effective yearly rate {e}), and your contribution is added at the start or end of the month; contributions rise each year by the increase you enter. Tax on gains is taken once at the end. Fees are not included. This is an illustration, not financial advice: real returns vary and are not guaranteed.":"Conas a oibríonn sé: gach mí cuirtear ús leis ag an ráta a chuir tú isteach, aistrithe go dtí do mhinicíocht chomhshuimithe (ráta bliantúil éifeachtach {e}), agus cuirtear do ranníocaíocht leis ag tús nó ag deireadh na míosa; ardaíonn na ranníocaíochtaí gach bliain faoin ardú a chuireann tú isteach. Baintear an cháin ar ghnóthachain uair amháin ag an deireadh. Níl táillí san áireamh. Léiriú é seo, ní comhairle airgeadais: athraíonn fíortháirgeacht agus níl sí ráthaithe.","Compound interest":"Ús iolraithe","Your savings plan":"Do phlean coigilte","Growth year by year":"Fás bliain ar bhliain","Share":"Comhroinn","Share this scenario":"Comhroinn an cás seo","Send the link or the scenario code to someone. They open the link, or paste the code below and press Load, and see exactly your inputs. Nothing is uploaded: the scenario is stored inside the link and the code.":"Seol an nasc nó cód an cháis chuig duine éigin. Osclaíonn siad an nasc, nó greamaíonn siad an cód thíos agus brúnn siad Lódáil, agus feiceann siad do shonraí go díreach. Ní uaslódáiltear aon rud: tá an cás taobh istigh den nasc agus den chód.","Link":"Nasc","Scenario code":"Cód an cháis","Copy":"Cóipeáil","Share…":"Comhroinn…","Open a shared scenario":"Oscail cás comhroinnte","Paste a scenario code or link here":"Greamaigh cód nó nasc cáis anseo","Load":"Lódáil","Close":"Dún","Copied to clipboard":"Cóipeáilte chuig an ngearrthaisce","This code could not be read.":"Níorbh fhéidir an cód seo a léamh.","Shared scenario loaded":"Lódáladh an cás comhroinnte","My scenario in PayAbacus (open the link, or paste the code in Share → Open a shared scenario):":"Mo chás in PayAbacus (oscail an nasc, nó greamaigh an cód i gComhroinn → Oscail cás comhroinnte):","Amounts in {c}.":"Méideanna in {c}.","Tip: click a line, bar or legend entry to highlight that country in orange; click it again to go back.":"Leid: cliceáil ar líne, ar bharra nó ar iontráil sa eochair chun an tír sin a aibhsiú i oráiste; cliceáil arís chun dul siar.","How to read purchasing power":"Conas cumhacht cheannaigh a léamh","Purchasing power is not the salary converted at the exchange rate. It is measured in purchasing-power (PPP) dollars: one PPP dollar buys the same basket of goods and services in every country as one dollar buys in the United States. This removes the differences in prices between countries, so a higher number really buys more.":"Ní hé cumhacht cheannaigh an tuarastal arna thiontú ag an ráta malairte. Tomhaistear í i ndollair chumhachta ceannaigh (PPP): ceannaíonn dollar PPP an ciseán céanna earraí agus seirbhísí i ngach tír agus a cheannaíonn dollar sna Stáit Aontaithe. Baineann sé seo na difríochtaí praghsanna idir tíortha, ionas go gceannaíonn uimhir níos airde níos mó i ndáiríre.","Example, {c} {y}: the average salary is <b>{n}</b> a year as paid. At the exchange rate that is about {x}, but prices in {c} are lower than in the US (about {r} buys what $1 buys there), so the salary buys what <b>{p}</b> would buy in the US.":"Sampla, {c} {y}: is é <b>{n}</b> sa bhliain an meántuarastal mar a íoctar é. Ag an ráta malairte is ionann sin agus thart ar {x}, ach tá praghsanna in {c} níos ísle ná sna SA (ceannaíonn thart ar {r} an méid a cheannaíonn $1 ansin), mar sin ceannaíonn an tuarastal an méid a cheannódh <b>{p}</b> sna SA.","Example, {c} {y}: the average salary is <b>{n}</b> a year as paid. At the exchange rate that is about {x}, but prices in {c} are higher than in the US (about {r} buys what $1 buys there), so the salary buys only what <b>{p}</b> would buy in the US.":"Sampla, {c} {y}: is é <b>{n}</b> sa bhliain an meántuarastal mar a íoctar é. Ag an ráta malairte is ionann sin agus thart ar {x}, ach tá praghsanna in {c} níos airde ná sna SA (ceannaíonn thart ar {r} an méid a cheannaíonn $1 ansin), mar sin ní cheannaíonn an tuarastal ach an méid a cheannódh <b>{p}</b> sna SA.","To compare countries, use the purchasing-power column: the as-paid amounts are in different currencies and ignore how expensive each country is.":"Chun tíortha a chur i gcomparáid, úsáid an colún cumhachta ceannaigh: tá na méideanna íoctha in airgeadraí éagsúla agus ní chuireann siad san áireamh cé chomh daor is atá gach tír.","At the exchange rate {y} (USD)":"Ag an ráta malairte {y} (USD)","Exchange-rate dollars use the ECB yearly average reference rates (US dollars and pounds per euro).":"Úsáideann dollair ag an ráta malairte meánrátaí tagartha bliantúla an BCE (dollair SAM agus puint in aghaidh an euro).","Simulated new amount / month":"Méid nua insamhlaithe / mí","Spending / month (simulated)":"Caiteachas / mí (insamhlaithe)","with your simulated amounts · today {v}":"le do mhéideanna insamhlaithe · inniu {v}","Saved / month (simulated)":"Coigilte / mí (insamhlaithe)","{p} of your net income · today {v}":"{p} de do ghlanioncam · inniu {v}","Today (current spend) / month":"Inniu (caiteachas reatha) / mí","Today (current spend)":"Inniu (caiteachas reatha)","with your simulated amounts (today’s amount where none is typed), keeping enough money until age {p}":"le do mhéideanna insamhlaithe (méid an lae inniu nuair nach scríobhtar aon cheann), ag coinneáil dóthain airgid go dtí aois {p}","With today’s spending":"Le caiteachas an lae inniu","earliest stop age without your simulated changes":"an aois is luaithe le stopadh gan d’athruithe insamhlaithe","Earliest stop, simulated spending":"Stopadh is luaithe, caiteachas insamhlaithe","Earliest stop, today’s spending":"Stopadh is luaithe, caiteachas an lae inniu","Simulated spending (stop at {a})":"Caiteachas insamhlaithe (stop ag {a})","Today’s spending (stop at {a})":"Caiteachas an lae inniu (stop ag {a})","Investment account (optional)":"Cuntas infheistíochta (roghnach)","What if part of what you save each year goes into an investment account? The rest stays in savings at the savings return above. You choose the return: it is an assumption, not a forecast. Investments can lose value, returns are not guaranteed and past performance does not predict future results. Tax on investment gains is not included. When money is needed, savings are used first, then the investment account.":"Cad a tharlódh dá rachadh cuid den mhéid a choigleann tú gach bliain isteach i gcuntas infheistíochta? Fanann an chuid eile sa choigilt ag an toradh coigilte thuas. Is tusa a roghnaíonn an toradh: is toimhde é, ní réamhaisnéis. Is féidir le hinfheistíochtaí luach a chailleadh, níl torthaí ráthaithe agus ní thuar torthaí san am a chuaigh thart torthaí amach anseo. Níl cáin ar ghnóthachain san áireamh. Nuair a bhíonn airgead ag teastáil, úsáidtear an choigilt ar dtús agus ansin an cuntas infheistíochta.","Investment account now":"Cuntas infheistíochta anois","Share of savings invested (%)":"Sciar den choigilt a infheistítear (%)","Expected investment return (% / year)":"Toradh infheistíochta a bhfuiltear ag súil leis (% / bliain)","Yearly fees (% of the account)":"Táillí bliantúla (% den chuntas)","Enter the expected investment return to see the effect; until then it counts as 0%.":"Cuir isteach an toradh a bhfuiltear ag súil leis chun an éifeacht a fheiceáil; go dtí sin áirítear é mar 0%.","Investment account at {a}":"Cuntas infheistíochta ag aois {a}","{r} in today’s money":"{r} in airgead an lae inniu","paid in {p} · growth {g}":"íoctha isteach {p} · fás {g}","Without investing (all kept in savings): {s}":"Gan infheistiú (gach rud sa choigilt): {s}","of which investment account":"cuntas infheistíochta ina measc","“Money left at {p}” is in future money, which includes inflation; the amount in brackets is the same money in today’s prices. “If you stop working today” counts all your money: savings and, if you have one, the investment account.":"Is in airgead amach anseo atá “Airgead fágtha ag {p}”, boilsciú san áireamh; is é an méid idir lúibíní an t-airgead céanna ag praghsanna an lae inniu. Áirítear d’airgead ar fad in “Má stopann tú ag obair inniu”: coigilt agus, má tá ceann agat, an cuntas infheistíochta.","How the investment account is calculated: each year {s} of what you save goes into it and it earns {r} a year minus fees; the rest stays in savings. When you need money, savings are used first and the investment account after. Once the account earns more each year than you spend, it keeps growing on its own: from then on a small change, such as working one more year, can move the stop age a lot, and the money left at the end can become very large.":"Conas a ríomhtar an cuntas infheistíochta: gach bliain téann {s} den mhéid a choigleann tú isteach ann agus tuilleann sé {r} sa bhliain lúide táillí; fanann an chuid eile sa choigilt. Nuair a bhíonn airgead uait, úsáidtear an choigilt ar dtús agus an cuntas infheistíochta ina dhiaidh sin. Chomh luath agus a thuilleann an cuntas níos mó gach bliain ná mar a chaitheann tú, fásann sé leis féin: as sin amach is féidir le hathrú beag, mar bhliain oibre eile, an aois stoptha a athrú go mór, agus d’fhéadfadh an t-airgead a fhágtar ag an deireadh a bheith an-mhór.","You entered a return of {r} a year. A return this high, year after year for decades, is rare and never guaranteed, and it makes the results look much better. Try a few lower values to see how much the stop age depends on it.":"Chuir tú isteach toradh {r} sa bhliain. Is annamh toradh chomh hard sin, bliain i ndiaidh bliana ar feadh na mblianta fada, agus ní ráthaítear riamh é, agus cuireann sé cuma i bhfad níos fearr ar na torthaí. Bain triail as roinnt luachanna níos ísle le feiceáil cé mhéad a bhraitheann an aois stoptha air.","How to read this chart: each line is your total money (savings plus the investment account, if any) at the end of each year, for a different stop age. It rises while you work and save, falls after you stop because your spending is paid from savings, and falls more slowly or rises again once the state pension starts. A line that drops below zero means the money runs out at that age. Amounts are in future money; choose “Today’s money” under “Show amounts in” to remove inflation.":"Conas an chairt seo a léamh: is é gach líne d’airgead ar fad (coigilt móide an cuntas infheistíochta, má tá ceann ann) ag deireadh gach bliana, d’aois stoptha éagsúil. Ardaíonn sé fad a bhíonn tú ag obair agus ag coigilt, titeann sé tar éis duit stopadh toisc go n-íoctar do chaiteachas as an gcoigilt, agus titeann sé níos moille nó ardaíonn sé arís nuair a thosaíonn pinsean an stáit. Ciallaíonn líne a théann faoi bhun nialais go dtéann an t-airgead in éag ag an aois sin. Is in airgead amach anseo atá na méideanna; roghnaigh “Airgead an lae inniu” faoi “Taispeáin méideanna i” chun boilsciú a bhaint.","The dotted line is the part held in the investment account.":"Is í an líne phoncaithe an chuid atá sa chuntas infheistíochta.","Watch the video guide":"Féach ar an treoir físe","about 2 minutes, in English, with voice and captions":"thart ar 2 nóiméad, i mBéarla, le guth agus fotheidil","≈ {m} a month ({y} a year) of what you save now":"≈ {m} sa mhí ({y} sa bhliain) den mhéid a choigleann tú anois","You are not saving anything now, so nothing goes in yet.":"Níl tú ag coigilt aon rud anois, mar sin níl aon rud ag dul isteach fós.","Your savings and investment account cover {m} months of spending (aim for 3–6).":"Clúdaíonn do choigilt agus do chuntas infheistíochta {m} mí caiteachais (sprioc 3–6).","Video guide:":"Treoir físe:","short, in English, with voice and captions":"gearr, i mBéarla, le guth agus fotheidil","How it works":"Conas a oibríonn sé","Guides":"Treoracha","New here? This tab has a {m}-minute video guide.":"Nua anseo? Tá treoir físe {m} nóiméad ag an gcluaisín seo.","Watch the guide":"Féach ar an treoir","More":"Tuilleadh","Save or share":"Sábháil nó comhroinn","Save or share this scenario":"Sábháil nó comhroinn an cás seo","To keep this scenario for later, bookmark the link or save the code: it works on any device and browser.":"Chun an cás seo a choinneáil, cuir an nasc le do leabharmharcanna nó coinnigh an cód: oibríonn sé ar aon ghléas agus brabhsálaí.","Less":"Níos lú","Checked against official sources · {n} checks":"Seiceáilte in aghaidh foinsí oifigiúla · {n} seiceáil","Free calculators for pay, pensions and financial planning, checked against official sources.":"Áireamháin saor in aisce do phá, pinsin agus pleanáil airgeadais, seiceáilte in aghaidh foinsí oifigiúla.","Calculators":"Áireamháin","About":"Fúinn","How we calculate":"Conas a ríomhaimid","Accuracy checks":"Seiceálacha cruinnis","Legal":"Dlí","Privacy":"Príobháideachas","Legal notice":"Fógra dlí","Contact":"Teagmháil","Every calculator applies the tax, social-security, pension and labour rules in force in each country, taken from official sources: tax authorities, social-security institutions, statistics offices and the law. Each country’s rules and sources are listed at the bottom of its tabs.||Results are checked against official calculators and worked examples; see Accuracy checks. Amounts are estimates for typical cases, and special situations may differ.":"Cuireann gach áireamhán rialacha cánach, leasa shóisialaigh, pinsin agus saothair gach tíre i bhfeidhm, ó fhoinsí oifigiúla: údaráis chánach, institiúidí leasa shóisialaigh, oifigí staidrimh agus an dlí. Tá rialacha agus foinsí gach tíre ag bun a cluaisíní.||Seiceáiltear na torthaí in aghaidh áireamhán oifigiúil agus samplaí oibrithe; féach Seiceálacha cruinnis. Meastacháin do chásanna tipiciúla iad na méideanna, agus d’fhéadfadh cásanna speisialta a bheith difriúil.","PayAbacus has no accounts and does not send what you type anywhere: all calculations run in your browser.||Your last inputs, language and theme are remembered only in this browser, so you find them next time; clearing your browser data removes them. A shared link or code contains the scenario itself and is seen only by the people you send it to.||Fonts and the chart library load from public content networks, which see your IP address like any website.":"Níl cuntais ag PayAbacus agus ní sheolann sé an méid a chuireann tú isteach áit ar bith: déantar na ríomhanna go léir i do bhrabhsálaí.||Ní choinnítear d’ionchuir dheireanacha, an teanga agus an téama ach sa bhrabhsálaí seo, ionas go bhfaighidh tú iad an chéad uair eile; scriostar iad má ghlanann tú sonraí an bhrabhsálaí. Tá an cás féin i nasc nó i gcód comhroinnte agus ní fheiceann ach na daoine a sheolann tú chucu é.||Lódáiltear na clónna agus an leabharlann cairteacha ó líonraí poiblí ábhair, a fheiceann do sheoladh IP mar a dhéanann aon suíomh.","The legal notice with the site owner’s details will be published here before the public launch.":"Foilseofar an fógra dlí le sonraí úinéir an tsuímh anseo roimh an seoladh poiblí.","Contact details will be published here before the public launch.":"Foilseofar sonraí teagmhála anseo roimh an seoladh poiblí.","Showing {c}, based on your browser settings. You can change the country and language at the top.":"Ag taispeáint {c}, bunaithe ar shocruithe do bhrabhsálaí. Is féidir leat an tír agus an teanga a athrú ag an mbarr.","Average salary in {y}, in purchasing power ({c} = 100)":"Meántuarastal in {y}, i gcumhacht cheannaigh ({c} = 100)","Index, {c} = 100":"Innéacs, {c} = 100","Home price":"Praghas an tí","Down payment":"Éarlais","Down payment (% of price)":"Éarlais (% den phraghas)","Interest rate (% / year)":"Ráta úis (% / bliain)","Term (years)":"Téarma (blianta)","Repayment":"Aisíoc","Equal monthly payments (annuity)":"Íocaíochtaí comhionanna míosúla (blianacht)","Equal capital each month (linear)":"Caipiteal comhionann gach mí (líneach)","Extra repayment / month":"Aisíoc breise / mí","Other housing costs / month":"Costais tithíochta eile / mí","Net household income / month":"Glanioncam an teaghlaigh / mí","See the monthly payment and the total cost of a home loan, and whether it fits your income. Amounts in the currency of the selected country.":"Féach an íocaíocht mhíosúil agus costas iomlán morgáiste, agus an n-oireann sé do d’ioncam. Méideanna in airgeadra na tíre roghnaithe.","{y} years":"{y} bliain","{y} years 1 month":"{y} bliain 1 mhí","{y} years {m} months":"{y} bliain {m} mí","Monthly payment":"Íocaíocht mhíosúil","first month; it falls every month as the balance shrinks · loan {l}":"an chéad mhí; titeann sé gach mí de réir mar a laghdaíonn an t-iarmhéid · iasacht {l}","over {y} years at {r} · loan {l}":"thar {y} bliain ag {r} · iasacht {l}","Loan amount":"Méid na hiasachta","{p} of the price (loan-to-value)":"{p} den phraghas (iasacht i gcoibhneas le luach)","Total interest":"Ús iomlán","total paid {t}":"íoctha san iomlán {t}","Share of net income":"Sciar den ghlanioncam","payment + other costs + extra":"íocaíocht + costais eile + breise","Paid off in":"Íoctha i","{t} sooner, {i} less interest":"{t} níos luaithe, {i} níos lú úis","add an extra repayment to see the saving":"cuir aisíoc breise leis chun an choigilt a fheiceáil","Enter your net income to check affordability.":"Cuir isteach do ghlanioncam chun inacmhainneacht a sheiceáil.","Housing costs take {p} of your net income: comfortable. A common rule of thumb is to keep them below about a third.":"Tógann costais tithíochta {p} de do ghlanioncam: compordach. Riail choitianta is ea fanacht faoi thart ar thrian.","Housing costs take {p} of your net income: manageable but tight. Leave room for savings and unexpected costs.":"Tógann costais tithíochta {p} de do ghlanioncam: indéanta ach teann. Fág spás do choigilt agus do chostais gan choinne.","Housing costs take {p} of your net income: high. Lenders may lend less, and a rate rise would hurt. A bigger down payment, a longer term or a cheaper home would lower it.":"Tógann costais tithíochta {p} de do ghlanioncam: ard. D’fhéadfadh iasachtóirí níos lú a thabhairt ar iasacht agus ghortódh ardú ráta. Laghdódh éarlais níos mó, téarma níos faide nó teach níos saoire é.","Stress test: if the rate rose by 2 points (to {r}), the payment would be {v}, {d} more a month.":"Tástáil struis: dá n-ardódh an ráta 2 phointe (go {r}), bheadh an íocaíocht {v}, {d} níos mó in aghaidh na míosa.","Capital":"Caipiteal","Extra repayment":"Aisíoc breise","Year {y}":"Bliain {y}","Without the extra repayment":"Gan an aisíoc breise","How it works: interest is charged every month on the remaining balance at the rate you enter. With equal monthly payments the payment stays the same and the capital part grows; with equal capital the payment starts higher and falls. Extra repayments go straight to the capital. The rate is your assumption, not an offer: compare real offers. Not yet included for {c}: tax relief on mortgage interest, purchase costs such as transfer tax and notary fees, and official lending limits.":"Conas a oibríonn sé: gearrtar ús gach mí ar an iarmhéid atá fágtha ag an ráta a chuireann tú isteach. Le híocaíochtaí comhionanna fanann an íocaíocht mar an gcéanna agus fásann an chuid caipitil; le caipiteal comhionann tosaíonn an íocaíocht níos airde agus titeann sí. Laghdaíonn aisíocaíochtaí breise an caipiteal go díreach. Is toimhde leatsa an ráta, ní tairiscint: cuir tairiscintí fíora i gcomparáid. Níl na nithe seo san áireamh fós do {c}: faoiseamh cánach ar ús, costais cheannaigh mar cháin aistrithe agus nótaire, agus teorainneacha oifigiúla iasachtaí.","Mortgage":"Morgáiste","Your home and loan":"Do theach agus d’iasacht","Can you afford it?":"An bhfuil sé inacmhainne?","What you pay each year":"An méid a íocann tú gach bliain","Balance over the years":"An t-iarmhéid thar na blianta","Use this cost in the Financial planner":"Úsáid an costas seo sa phleanálaí airgeadais","{v} a month is now your housing cost in the Financial planner.":"Is é {v} in aghaidh na míosa do chostas tithíochta sa phleanálaí airgeadais anois.","You and your pension history":"Tusa agus do stair phinsin","Savings and bank account":"Coigilt agus cuntas bainc","Assumptions":"Toimhdí","Display and tests":"Taispeáint agus tástálacha","Mortgage (optional)":"Morgáiste (roghnach)","Enter what you still owe on your home loan. Its monthly payment counts in your spending and financial health until it is paid off; the payment stays fixed and is not raised with inflation. If you enter it here, keep only other housing costs (building fees, insurance) under Housing in the expenses.":"Cuir isteach an méid atá fós dlite ar do mhorgáiste. Áirítear an íocaíocht mhíosúil i do chaiteachas agus i do shláinte airgeadais go dtí go n-íoctar é; fanann sí seasta agus ní ardaíonn sí le boilsciú. Má chuireann tú isteach anseo é, ná coinnigh faoi Thithíocht ach na costais eile (táillí bainistíochta, árachas).","Mortgage still owed":"Morgáiste fós dlite","Mortgage rate (% / year)":"Ráta morgáiste (% / bliain)","Years left":"Blianta fágtha","Copy from the Mortgage tab":"Cóipeáil ón gcluaisín Morgáiste","incl. mortgage {v} a month until age {a}":"lena n-áirítear morgáiste {v} sa mhí go dtí aois {a}","Your mortgage ({v} a month) is now in the Financial planner.":"Tá do mhorgáiste ({v} sa mhí) sa phleanálaí airgeadais anois.","Housing: other costs only (mortgage entered above)":"Tithíocht: costais eile amháin (morgáiste curtha isteach thuas)","This looks like your mortgage payment ({v} a month). The mortgage is already counted from the section above, so enter only other housing costs here (building fees, insurance, property tax), or it is counted twice.":"Is cosúil gurb í seo d’íocaíocht morgáiste ({v} sa mhí). Áirítear an morgáiste cheana féin ón rannán thuas, mar sin ná cuir isteach anseo ach costais tithíochta eile (táillí, árachas, cáin mhaoine), nó áireofar faoi dhó é.","As in the Salary tab ({n})":"Mar atá sa chluaisín Tuarastal ({n})","Mortgage payment (from the Mortgage section)":"Íocaíocht morgáiste (ón rannán Morgáiste)","{v} a month, fixed, until age {a}":"{v} sa mhí, seasta, go dtí aois {a}","Change it in the Mortgage section":"Athraigh é sa rannán Morgáiste","Mortgage payment":"Íocaíocht morgáiste","Fixed until age {a}":"Seasta go dtí aois {a}","{n} checks for this tab against official sources":"{n} seiceáil don chluaisín seo i gcoinne foinsí oifigiúla","1 check for this tab against official sources":"1 seiceáil don chluaisín seo i gcoinne foinsí oifigiúla","{n} of the {t} checks for {c} cover this tab ({a} checks across all countries). Click to see them.":"Baineann {n} de na {t} seiceáil do {c} leis an gcluaisín seo ({a} seiceáil sna tíortha go léir). Cliceáil chun iad a fheiceáil.","Housing (other costs)":"Tithíocht (costais eile)","Quick start":"Tús tapa","These three are enough for a first result. Open the sections below to fine-tune it.":"Is leor na trí cinn seo le haghaidh céad toradh. Oscail na rannáin thíos chun é a mhionchoigeartú.","Spending / month (all expenses)":"Caiteachas / mí (gach costas)","A new total is spread over the expense categories below in the same proportions.":"Roinntear iomlán nua ar na catagóirí caiteachais thíos sna comhréireanna céanna.","Income details":"Sonraí ioncaim","Plus the mortgage payment of {v} from the Mortgage section: {t} a month in total.":"Móide an íocaíocht morgáiste {v} ón rannán Morgáiste: {t} sa mhí san iomlán.","{g} gross · {n} salaries a year":"{g} comhlán · {n} tuarastal sa bhliain","bonus {b}":"bónas {b}","meal card {m}":"cárta béile {m}","Age {a} · {y} years insured · plan to age {p}":"Aois {a} · {y} bliain árachaithe · plean go haois {p}","{v} invested · {p} of savings · {r} a year":"{v} infheistithe · {p} den choigilt · {r} sa bhliain","Not used":"Gan úsáid","Savings return {r} · inflation {i} · pay rise {g}":"Toradh ar choigilt {r} · boilsciú {i} · ardú pá {g}","{s} · comparison over {n} years":"{s} · comparáid thar {n} bliain","Total {v} a month":"Iomlán {v} sa mhí","simulated {v}":"insamhalta {v}","Video guide for this tab · {m} min":"Treoir físe don chluaisín seo · {m} nóim.","See the result below":"Féach an toradh thíos","Back to the result":"Ar ais chuig an toradh","Skip to the calculator":"Léim chuig an áireamhán","Show":"Taispeáin","Hide":"Folaigh","Including the bonus: {g} gross / month · {n} net / month (year ÷ 12)":"An bónas san áireamh: {g} comhlán / mí · {n} glan / mí (bliain ÷ 12)","A new total is split for you: essentials follow the official typical costs for your country and household, children get 6% each, and the rest goes to leisure, holidays and other. Loans and a rent you typed stay as entered; adjust any category below.":"Roinntear iomlán nua duit: leanann na bunriachtanais na gnáthchostais oifigiúla do do thír agus do theaghlach, faigheann gach leanbh 6%, agus téann an chuid eile ar fhóillíocht, laethanta saoire agus eile. Fanann iasachtaí agus cíos a chuir tú isteach mar atá; coigeartaigh aon chatagóir thíos.","Past years’ rules":"Rialacha na mblianta roimhe","2008 rules: income tax + employee contributions at the average wage (€41,000)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€41,000)","2015 rules: income tax + employee contributions at the average wage (€47,100)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€47,100)","2021 rules: income tax + employee contributions at the average wage (€52,800)":"Rialacha 2021: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€52,800)","2012 rules: income tax + employee contributions at the average wage (€29,440)":"Rialacha 2012: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€29,440)","2016 rules: income tax + employee contributions at the average wage (€30,619)":"Rialacha 2016: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€30,619)","2021 rules: income tax + employee contributions at the average wage (€33,111)":"Rialacha 2021: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€33,111)","2008 rules: income tax + employee contributions at the average wage (€23,252)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€23,252)","2016 rules: income tax + employee contributions at the average wage (€26,449)":"Rialacha 2016: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€26,449)","2022 rules: income tax + employee contributions at the average wage (€28,780)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€28,780)","2008 rules: income tax + employee contributions at the average wage (£33,382)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (£33,382)","2015 rules: income tax + employee contributions at the average wage (£35,978)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (£35,978)","2022 rules: income tax + employee contributions at the average wage (£45,077)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (£45,077)","2008 rules: income tax + employee contributions at the average wage (€33,580)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€33,580)","2015 rules: income tax + employee contributions at the average wage (€37,975)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€37,975)","2022 rules: income tax + employee contributions at the average wage (€41,867)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€41,867)","Your salary across 20 years of {c} tax rules":"Do thuarastal thar 20 bliain de rialacha cánach ({c})","Your {y} salary run through the income tax and social security rules of every year since 2006, for a single person without children and with standard deductions.":"Do thuarastal {y} á ríomh le rialacha cánach agus ranníocaíochta gach bliana ó 2006, do dhuine singil gan leanaí leis na gnáth-asbhaintí.","Same amount":"An méid céanna","{y} money (inflation-adjusted)":"Airgead {y} (coigeartaithe don bhoilsciú)","Each year’s money":"Airgead gach bliana","per month, in {y} money":"sa mhí, in airgead {y}","{a} in 2006 buys what {v} buys in {y}":"Ceannaíonn {a} in 2006 an rud a cheannaíonn {v} in {y}","Employee contributions":"Ranníocaíochtaí fostaí","Taxes":"Cánacha","Yearly pay split, in {y} money":"Roinnt bhliantúil an phá, in airgead {y}","Yearly pay split, in each year’s money":"Roinnt bhliantúil an phá, in airgead gach bliana","Net / mo (÷ 12)":"Glan / mí (÷ 12)","Net / mo in {y} money":"Glan / mí in airgead {y}","Each year uses that year’s published income tax and social security schedules; the results are cross-checked against OECD Taxing Wages for the average worker. Prices: national consumer price index.":"Úsáideann gach bliain na sceidil cánach agus ranníocaíochta a foilsíodh don bhliain sin; seiceáiltear na torthaí in aghaidh OECD Taxing Wages don ghnáthoibrí. Praghsanna: innéacs náisiúnta praghsanna tomhaltóra.","Church tax is not included; contributions use the Western Germany ceilings.":"Níl cáin eaglaise san áireamh; úsáidtear uasteorainneacha Iarthar na Gearmáine do ranníocaíochtaí.","Regional and municipal surcharges use the rates set in the form above for every year.":"Úsáideann na formhuirir réigiúnacha agus chathrach rátaí na foirme thuas do gach bliain.","CSG and CRDS are counted as taxes, as in the OECD figures; contributions are for a non-executive employee, without the company health plan (mutuelle).":"Áirítear CSG agus CRDS mar chánacha, mar atá i bhfigiúirí an OECD; ranníocaíochtaí fostaí neamhfheidhmiúcháin, gan plean sláinte na cuideachta (mutuelle).","UK tax years start in April (2006/07 to 2026/27). Rates for England, Wales and Northern Ireland.":"Tosaíonn blianta cánach na Ríochta Aontaithe in Aibreán (2006/07 go 2026/27). Rátaí do Shasana, an Bhreatain Bheag agus Tuaisceart Éireann.","2008 rules: income tax + employee contributions at the average wage (€43,146)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€43,146)","2015 rules: income tax + employee contributions at the average wage (€49,540)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€49,540)","2022 rules: income tax + employee contributions at the average wage (€58,890)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€58,890)","2008 rules: income tax + employee contributions at the average wage (€40,698)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€40,698)","2015 rules: income tax + employee contributions at the average wage (€46,479)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€46,479)","2022 rules: income tax + employee contributions at the average wage (€55,038)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€55,038)","2008 rules: income tax + employee contributions at the average wage (€47,043)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€47,043)","2015 rules: income tax + employee contributions at the average wage (€55,858)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€55,858)","2022 rules: income tax + employee contributions at the average wage (€68,578)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€68,578)","2008 rules: income tax + employee contributions at the average wage (€37,258)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€37,258)","2015 rules: income tax + employee contributions at the average wage (€43,911)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€43,911)","2022 rules: income tax + employee contributions at the average wage (€53,126)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€53,126)","2008 rules: income tax + employee contributions at the average wage (€14,905)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€14,905)","2015 rules: income tax + employee contributions at the average wage (€15,781)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€15,781)","2022 rules: income tax + employee contributions at the average wage (€19,739)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€19,739)","2008 rules: income tax + employee contributions at the average wage (€42,783)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€42,783)","2015 rules: income tax + employee contributions at the average wage (€43,733)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€43,733)","2022 rules: income tax + employee contributions at the average wage (€52,014)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€52,014)","2008 rules: income tax + employee contributions at the average wage (DKK 359,300)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (359,300 DKK)","2015 rules: income tax + employee contributions at the average wage (DKK 403,600)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (403,600 DKK)","2022 rules: income tax + employee contributions at the average wage (DKK 469,400)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (469,400 DKK)","2008 rules: income tax + employee contributions at the average wage (SEK 352,470)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (352,470 SEK)","2015 rules: income tax + employee contributions at the average wage (SEK 414,105)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (414,105 SEK)","2022 rules: income tax + employee contributions at the average wage (SEK 493,770)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (493,770 SEK)","2008 rules: income tax + employee contributions at the average wage (NOK 443,613)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (443,613 NOK)","2015 rules: income tax + employee contributions at the average wage (NOK 556,670)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (556,670 NOK)","2022 rules: income tax + employee contributions at the average wage (NOK 689,301)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (689,301 NOK)","2008 rules: income tax + employee contributions at the average wage (€37,372)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€37,372)","2015 rules: income tax + employee contributions at the average wage (€43,268)":"Rialacha 2015: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€43,268)","2022 rules: income tax + employee contributions at the average wage (€50,830)":"Rialacha 2022: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€50,830)","2010 rules: income tax + employee contributions at the average wage (€17,947)":"Rialacha 2010: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€17,947)","2016 rules: income tax + employee contributions at the average wage (€21,848)":"Rialacha 2016: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€21,848)","2023 rules: income tax + employee contributions at the average wage (€27,351)":"Rialacha 2023: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€27,351)","2014 rules: income tax + employee contributions at the average wage (€20,712)":"Rialacha 2014: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€20,712)","2018 rules: income tax + employee contributions at the average wage (€21,864)":"Rialacha 2018: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€21,864)","2023 rules: income tax + employee contributions at the average wage (€27,480)":"Rialacha 2023: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€27,480)","Each year uses that year’s published income tax and social security schedules; the results are cross-checked against OECD Taxing Wages (Eurostat for Malta and Cyprus) for the average worker. Prices: national consumer price index.":"Úsáideann gach bliain na sceidil cánach agus ranníocaíochta a foilsíodh don bhliain sin; seiceáiltear na torthaí in aghaidh OECD Taxing Wages (Eurostat do Mhálta agus don Chipir) don ghnáthoibrí. Praghsanna: innéacs náisiúnta praghsanna tomhaltóra.","Pension-fund contributions use your setting above for every year; the 2026 row comes from the current calculator.":"Úsáideann ranníocaíochtaí an chiste pinsin do shocrú thuas do gach bliain; tagann sraith 2026 ón áireamhán reatha.","Municipal and regional surcharges at the average rates; the 2026 row comes from the current calculator.":"Formhuirir chathrach agus réigiúnacha ag na meánrátaí; tagann sraith 2026 ón áireamhán reatha.","Tax class 1; the 2026 row comes from the current calculator.":"Aicme cánach 1; tagann sraith 2026 ón áireamhán reatha.","14 salaries a year, the 13th and 14th taxed at 6%; the 2026 row comes from the current calculator.":"14 tuarastal sa bhliain, an 13ú agus an 14ú gearrtha ag 6%; tagann sraith 2026 ón áireamhán reatha.","Mainland Portugal, individual taxation; the 2026 row comes from the current calculator.":"Mórthír na Portaingéile, cánachas aonair; tagann sraith 2026 ón áireamhán reatha.","PRSI class A; the 2026 row comes from the current calculator.":"PRSI aicme A; tagann sraith 2026 ón áireamhán reatha.","Single rates; Class 1 social security for people born from 1962; 2006–2007 bands converted from Maltese lira. The 2026 row comes from the current calculator.":"Rátaí singil; slándáil shóisialta Class 1 do dhaoine a rugadh ó 1962; bandaí 2006–2007 tiontaithe ón lira Máltach. Tagann sraith 2026 ón áireamhán reatha.","Social insurance and, from 2019, the GESY health contribution; 2006–2007 bands converted from Cyprus pounds; the social insurance ceiling before 2014 is approximate. The 2026 row comes from the current calculator.":"Árachas sóisialta agus, ó 2019, ranníocaíocht sláinte GESY; bandaí 2006–2007 tiontaithe ó phunt na Cipire; is garmheastachán í an uasteorainn roimh 2014. Tagann sraith 2026 ón áireamhán reatha.","Average municipal tax, no church tax; ATP is counted as a contribution. The 2026 row comes from the current calculator.":"Meáncháin chathrach, gan cháin eaglaise; áirítear ATP mar ranníocaíocht. Tagann sraith 2026 ón áireamhán reatha.","Average municipal tax; burial and church fees and the public-service fee are not included. The 2026 row comes from the current calculator.":"Meáncháin chathrach; níl táillí adhlactha agus eaglaise ná táille na seirbhíse poiblí san áireamh. Tagann sraith 2026 ón áireamhán reatha.","The 2026 row comes from the current calculator.":"Tagann sraith 2026 ón áireamhán reatha.","Average municipal tax, no church tax; for pay below about half the average wage past years are less precise. The 2026 row comes from the current calculator.":"Meáncháin chathrach, gan cháin eaglaise; faoi bhun thart ar leath an mheánphá is lú cruinneas na blianta roimhe. Tagann sraith 2026 ón áireamhán reatha.","Home buying":"Teach a cheannach","Stamp Duty Land Tax on £300,000 (not a first-time buyer)":"Stamp Duty Land Tax ar £300,000 (ní céadcheannaitheoir)","Stamp Duty Land Tax on £450,000 (first-time buyer)":"Stamp Duty Land Tax ar £450,000 (céadcheannaitheoir)","Stamp duty on €1,200,000":"Dleacht stampála ar €1,200,000","Transfer duties on €300,000 (first home)":"Dleachtanna aistrithe ar €300,000 (an chéad teach)","IMT on a €200,000 own permanent home (mainland)":"IMT ar áit chónaithe bhuan féin €200,000 (mórthír)","Deed registration fee on DKK 3,000,000":"Táille chlárúcháin an ghníomhais ar DKK 3,000,000","Mortgage registration fee on a DKK 2,000,000 loan":"Táille chlárúcháin morgáiste ar iasacht DKK 2,000,000","Duties on a €700,000 main home after the Bëllegen Akt credit":"Dleachtanna ar phríomháit chónaithe €700,000 tar éis an chreidmheasa Bëllegen Akt","Transfer tax on €500,000, starter aged 30":"Cáin aistrithe ar €500,000, céadcheannaitheoir 30 bliain d’aois","Registration duty on €300,000 sole home in Brussels":"Dleacht chlárúcháin ar €300,000, an t-aon teach sa Bhruiséil","Stamp duty on €280,000, first-time buyer":"Dleacht stampála ar €280,000, céadcheannaitheoir","Land transfer tax on €300,000 in Bavaria":"Cáin aistrithe talún ar €300,000 sa Bhaváir","Interest tax reduction on SEK 120,000 of interest":"Laghdú cánach ar SEK 120,000 úis","Interest credit on €5,000 of interest (main home)":"Creidmheas úis ar €5,000 úis (príomháit chónaithe)","tax, contributions, net pay, state and private pensions, termination, benefits, home buying":"cáin, ranníocaíochtaí, glanphá, pinsin stáit agus phríobháideacha, foirceannadh, sochair, teach a cheannach","First home you buy (main home)":"An chéad teach a cheannaíonn tú (príomháit chónaithe)","Region":"Réigiún","Home type":"Cineál tí","Apartment":"Árasán","House":"Teach","Cadastral value (valore catastale, optional)":"Luach cadastrach (valore catastale, roghnach)","Rent or buy?":"Cíos nó ceannach?","Rent for a similar home / month":"Cíos ar theach comhchosúil / mí","Rent rise (% / year)":"Ardú cíosa (% / bliain)","Home price rise (% / year)":"Ardú ar phraghas an tí (% / bliain)","Return on invested savings (% / year)":"Toradh ar choigilteas infheistithe (% / bliain)","Upkeep and owner costs (% of value / year)":"Cothabháil agus costais úinéara (% den luach / bliain)","Selling costs at the end (% of value)":"Costais díola ag an deireadh (% den luach)","Compare over (years)":"Comparáid thar (blianta)","Madrid (6%)":"Maidrid (6%)","Catalonia (10%)":"an Chatalóin (10%)","Andalusia (7%)":"an Andalúis (7%)","Other regions (about 8–10%; 9% used)":"Réigiúin eile (thart ar 8–10%; úsáidtear 9%)","Flanders":"Flóndras","Wallonia":"an Vallúin","Brussels":"an Bhruiséil","Transfer tax":"Cáin aistrithe","Notary and land registry (estimate)":"Nótaire agus clárlann talún (meastachán)","Transfer tax 3% + 3% municipal surcharge (3.09%)":"Cáin aistrithe 3% + 3% forcháin chathrach (3.09%)","Notary fee incl. VAT (estimate, about 1%)":"Táille nótaire lena n-áirítear CBL (meastachán, thart ar 1%)","Land registry / cadastre (estimate, about 0.5%)":"Clárlann talún / cadastar (meastachán, thart ar 0.5%)","Lawyer incl. VAT (estimate, about 1%)":"Dlíodóir lena n-áirítear CBL (meastachán, thart ar 1%)","Notary and land registry (estimate, about 2%)":"Nótaire agus clárlann talún (meastachán, thart ar 2%)","Registration tax 2% of the cadastral value (first home, min €1,000) + €100 mortgage and cadastral tax":"Cáin chlárúcháin 2% den luach cadastrach (an chéad teach, íos. €1,000) + €100 cáin mhorgáiste agus chadastrach","Registration tax 9% of the cadastral value (min €1,000) + €100 mortgage and cadastral tax":"Cáin chlárúcháin 9% den luach cadastrach (íos. €1,000) + €100 cáin mhorgáiste agus chadastrach","Notary (estimate)":"Nótaire (meastachán)","Property transfer tax (ITP, resale)":"Cáin ar aistrithe (ITP, athdhíol)","Notary, land registry and agency (estimate, about 1.2%)":"Nótaire, clárlann agus gníomhaireacht (meastachán, thart ar 1.2%)","Stamp Duty Land Tax, first-time buyer relief (England & NI)":"Stamp Duty Land Tax, faoiseamh do chéadcheannaitheoirí (Sasana agus Tuaisceart Éireann)","Stamp Duty Land Tax (England & NI)":"Stamp Duty Land Tax (Sasana agus Tuaisceart Éireann)","Conveyancing and searches (estimate)":"Tíolacadh agus cuardaigh (meastachán)","Transfer duties 5.81% (first home: exempt from the 2025–2028 increase)":"Dleachtanna aistrithe 5.81% (an chéad teach: díolmhaithe ón ardú 2025–2028)","Transfer duties 6.32% (most departments, 2025–2028)":"Dleachtanna aistrithe 6.32% (formhór na ndepartement, 2025–2028)","Notary fees and disbursements (estimate, about 1.2%)":"Táillí agus eisíocaíochtaí nótaire (meastachán, thart ar 1.2%)","Transfer tax 0% (starter under 35, price up to €555,000)":"Cáin aistrithe 0% (céadcheannaitheoir faoi 35, praghas suas le €555,000)","Transfer tax 2% (own home)":"Cáin aistrithe 2% (teach féin)","Notary, land registry and valuation (estimate)":"Nótaire, clárlann agus luacháil (meastachán)","Registration duty 2% (Flanders, sole own home)":"Dleacht chlárúcháin 2% (Flóndras, an t-aon teach féin)","Registration duty 12% (Flanders)":"Dleacht chlárúcháin 12% (Flóndras)","Registration duty 3% (Wallonia, sole own home)":"Dleacht chlárúcháin 3% (an Vallúin, an t-aon teach féin)","Registration duty 12.5% (Wallonia)":"Dleacht chlárúcháin 12.5% (an Vallúin)","Registration duty 12.5% after the €200,000 allowance (Brussels)":"Dleacht chlárúcháin 12.5% tar éis an liúntais €200,000 (an Bhruiséil)","Registration duty 12.5% (Brussels)":"Dleacht chlárúcháin 12.5% (an Bhruiséil)","Notary and deed costs incl. VAT (estimate, about 1.5%)":"Costais nótaire agus ghníomhais lena n-áirítear CBL (meastachán, thart ar 1.5%)","Registration + transcription duties 7%":"Dleachtanna clárúcháin agus trascríofa 7%","Tax credit for a main home (Bëllegen Akt, up to €40,000 per buyer)":"Creidmheas cánach do phríomháit chónaithe (Bëllegen Akt, suas le €40,000 in aghaidh an cheannaitheora)","Notary (estimate, about 1%)":"Nótaire (meastachán, thart ar 1%)","Real estate transfer tax 3.5%":"Cáin aistrithe réadmhaoine 3.5%","Land register entry 1.1%":"Iontráil sa chlár talún 1.1%","Mortgage registration 1.2% of the loan":"Clárú morgáiste 1.2% den iasacht","Contract and trustee incl. VAT (estimate, about 1.8%)":"Conradh agus iontaobhaí lena n-áirítear CBL (meastachán, thart ar 1.8%)","IMT transfer tax (IMT Jovem, own permanent home, 35 or under)":"Cáin aistrithe IMT (IMT Jovem, áit chónaithe bhuan féin, 35 nó níos óige)","IMT transfer tax (own permanent home, mainland)":"Cáin aistrithe IMT (áit chónaithe bhuan féin, mórthír)","Stamp duty 0.8%":"Dleacht stampála 0.8%","Deed and registration (estimate)":"Gníomhas agus clárú (meastachán)","Stamp duty (1% to €1m, 2% to €1.5m, 6% above)":"Dleacht stampála (1% go €1m, 2% go €1.5m, 6% os a chionn)","Solicitor and searches incl. VAT (estimate)":"Aturnae agus cuardaigh lena n-áirítear CBL (meastachán)","Stamp duty 5% (first-time buyer: first €200,000 exempt)":"Dleacht stampála 5% (céadcheannaitheoir: an chéad €200,000 díolmhaithe)","Stamp duty 5%":"Dleacht stampála 5%","Notary, searches and registration (estimate, about 1.5%)":"Nótaire, cuardaigh agus clárú (meastachán, thart ar 1.5%)","Transfer fees 3% / 5% / 8%, halved (resale, no VAT)":"Táillí aistrithe 3% / 5% / 8%, laghdaithe faoi leath (athdhíol, gan CBL)","Stamp duty on the contract (0.15% / 0.2%, max €20,000)":"Dleacht stampála ar an gconradh (0.15% / 0.2%, uasmhéid €20,000)","Lawyer (estimate, about 1%)":"Dlíodóir (meastachán, thart ar 1%)","Deed registration DKK 1,850 + 0.6%":"Clárú gníomhais DKK 1,850 + 0.6%","Mortgage registration DKK 1,825 + 1.25% of the loan":"Clárú morgáiste DKK 1,825 + 1.25% den iasacht","Buyer’s adviser (estimate)":"Comhairleoir an cheannaitheora (meastachán)","Title registration 1.5% + SEK 825":"Clárú teidil 1.5% + SEK 825","New mortgage deeds 2% of the loan + SEK 375":"Gníomhais mhorgáiste nua 2% den iasacht + SEK 375","Tenant-owner flat: no title registration or mortgage-deed tax":"Árasán comharchumainn: gan cáin ar chlárú teidil ná ar ghníomhais mhorgáiste","Pledge fee to the housing association (estimate)":"Táille gealltáin don chomharchumann tithíochta (meastachán)","Document duty 2.5% (not for co-op flats or new builds)":"Dleacht doiciméad 2.5% (ní do árasáin chomharchumainn ná d’fhoirgnimh nua)","Registration fees, deed and mortgage":"Táillí clárúcháin, gníomhas agus morgáiste","Transfer tax 3% (real property)":"Cáin aistrithe 3% (réadmhaoin)","Transfer tax 1.5% (housing-company flat)":"Cáin aistrithe 1.5% (árasán cuideachta tithíochta)","19% of the interest, up to €4,000 of interest a year (main home)":"19% den ús, suas le €4,000 úis sa bhliain (príomháit chónaithe)","Interest minus the notional rental value (0.35% of the home’s value), deducted at your rate, at most 37.56%":"Ús lúide an luach cíosa barúlach (0.35% de luach an tí), asbhainte ag do ráta, 37.56% ar a mhéad","Interest deductible up to €2,000 a year per household member in the first five years (€1,500 years 6–10, €1,000 after)":"Ús inasbhainte suas le €2,000 sa bhliain in aghaidh gach duine sa teaghlach sna chéad chúig bliana (€1,500 i mblianta 6–10, €1,000 ina dhiaidh sin)","Negative capital income: worth about 33% of the interest up to DKK 50,000 and about 25% above":"Ioncam caipitil diúltach: is fiú thart ar 33% den ús suas le DKK 50,000 agus thart ar 25% os a chionn","Tax reduction of 30% of the interest up to SEK 100,000 and 21% above":"Laghdú cánach 30% den ús suas le SEK 100,000 agus 21% os a chionn","Interest is deductible from ordinary income, worth 22%":"Tá ús inasbhainte ón ngnáthioncam, is fiú 22%","No tax relief on mortgage interest for new loans.":"Gan faoiseamh cánach ar ús morgáiste d’iasachtaí nua.","No relief for new loans (the interest credit ended in 2013).":"Gan faoiseamh d’iasachtaí nua (cuireadh deireadh leis an gcreidmheas úis in 2013).","No relief for homes bought from 2013 (older purchases keep the transitional deduction).":"Gan faoiseamh do thithe a ceannaíodh ó 2013 (coinníonn ceannacháin níos sine an asbhaint idirthréimhseach).","No relief: the interest credit ended for homes bought from 2011.":"Gan faoiseamh: cuireadh deireadh leis an gcreidmheas úis do thithe a ceannaíodh ó 2011.","No regional relief for new loans (Flanders since 2020, Brussels since 2017, Wallonia since 2025).":"Gan faoiseamh réigiúnach d’iasachtaí nua (Flóndras ó 2020, an Bhruiséil ó 2017, an Vallúin ó 2025).","No relief for new loans (the housing special-expense deduction ended in 2016).":"Gan faoiseamh d’iasachtaí nua (cuireadh deireadh leis an asbhaint do chostais speisialta tithíochta in 2016).","No relief for loans taken from 2012.":"Gan faoiseamh d’iasachtaí a tógadh ó 2012.","No relief: mortgage interest relief ended (the temporary 2023–2024 relief has expired).":"Gan faoiseamh: tá faoiseamh úis morgáiste thart (tá an faoiseamh sealadach 2023–2024 imithe in éag).","No relief: the deduction was phased out and ended in 2023.":"Gan faoiseamh: cuireadh deireadh leis an asbhaint de réir a chéile in 2023.","No relief for owner-occupiers.":"Gan faoiseamh d’úinéirí áitíochta.","Bank of Greece, binding since January 2025; 10% of new loans each quarter may exceed the limits.":"Banc na Gréige, ceangailteach ó Eanáir 2025; féadfaidh 10% d’iasachtaí nua gach ráithe na teorainneacha a shárú.","No borrower-based limits are active; banks usually lend up to 80–100% of the value after their own affordability check.":"Níl aon teorainneacha iasachtaí bunaithe ar an iasachtaí i bhfeidhm; de ghnáth tugann bainc 80–100% den luach tar éis a seiceála féin.","No borrower-based limits are active; banks usually lend up to 80% of the value (more with the public first-home guarantee for young buyers).":"Níl aon teorainneacha iasachtaí bunaithe ar an iasachtaí i bhfeidhm; de ghnáth tugann bainc suas le 80% den luach (níos mó le ráthaíocht stáit do cheannaitheoirí óga).","No borrower-based limits are active; banks usually lend up to 80% of the value for a main home.":"Níl aon teorainneacha iasachtaí bunaithe ar an iasachtaí i bhfeidhm; de ghnáth tugann bainc suas le 80% den luach do phríomháit chónaithe.","Bank of England: no more than 15% of a lender’s new mortgages may be at 4.5 times income or more (the regulators are consulting on changes in 2026).":"Bank of England: ní fhéadfaidh níos mó ná 15% de mhorgáistí nua iasachtóra a bheith ag 4.5 oiread an ioncaim nó níos mó (tá na rialtóirí ag dul i gcomhairle faoi athruithe in 2026).","HCSF, binding: payments incl. insurance at most 35% of net income and at most 25 years (27 with a deferral for works); 20% of new loans may exceed.":"HCSF, ceangailteach: aisíocaíochtaí lena n-áirítear árachas 35% den ghlanioncam ar a mhéad agus 25 bliain ar a mhéad (27 le hiarchur d’oibreacha); féadfaidh 20% d’iasachtaí nua é a shárú.","Loan at most 100% of the home’s value; the amount you can borrow is also capped by the income-based lending standards (Nibud), not modelled here. Interest is deductible only on loans repaid within 30 years.":"Iasacht 100% de luach an tí ar a mhéad; tá an méid teoranta freisin ag na caighdeáin iasachta bunaithe ar ioncam (Nibud), nach samhaltaítear anseo. Níl ús inasbhainte ach ar iasachtaí a aisíoctar laistigh de 30 bliain.","National Bank of Belgium expectations: up to 90% of the value for an own home (first-time buyers may go higher within a tolerance), 80% for buy-to-let.":"Ionchais Bhanc Náisiúnta na Beilge: suas le 90% den luach do theach féin (féadfaidh céadcheannaitheoirí dul níos airde laistigh de lamháltas), 80% le ligean ar cíos.","CSSF, binding: 100% for first-time buyers of a main home, 90% for other main homes (15% of loans may go to 100%), 80% for other homes.":"CSSF, ceangailteach: 100% do chéadcheannaitheoirí príomháite cónaithe, 90% do phríomháiteanna eile (féadfaidh 15% d’iasachtaí dul go 100%), 80% do thithe eile.","FMA: the 90% / 40% / 35-year limits became non-binding guidance from July 2025.":"FMA: rinneadh treoir neamhcheangailteach de na teorainneacha 90% / 40% / 35 bliain ó Iúil 2025.","Banco de Portugal Recommendation 1/2026 (from August 2026): 90% of the value, payments at most 45% of net income with the rate raised 1.5 points, at most 40 years up to age 35 and 35 years after. A state guarantee lets young buyers borrow more.":"Moladh 1/2026 Banco de Portugal (ó Lúnasa 2026): 90% den luach, aisíocaíochtaí 45% den ghlanioncam ar a mhéad leis an ráta ardaithe 1.5 pointe, 40 bliain ar a mhéad go dtí 35 bliain d’aois agus 35 bliain ina dhiaidh sin. Ligeann ráthaíocht stáit do cheannaitheoirí óga níos mó a fháil ar iasacht.","Central Bank of Ireland: 90% of the value, 4 times gross income for first-time buyers and 3.5 for others; 15% of loans may exceed.":"Banc Ceannais na hÉireann: 90% den luach, 4 oiread an olltuarastail do chéadcheannaitheoirí agus 3.5 do chách eile; féadfaidh 15% d’iasachtaí é a shárú.","Central Bank of Malta: 90% for first-time buyers and main homes (75% otherwise), stressed payments at most 40% of income with the rate raised 1.5 points, at most 40 years (25 otherwise) or retirement age.":"Banc Ceannais Mhálta: 90% do chéadcheannaitheoirí agus príomháiteanna (75% murach sin), aisíocaíochtaí faoi strus 40% den ioncam ar a mhéad leis an ráta ardaithe 1.5 pointe, 40 bliain ar a mhéad (25 murach sin) nó aois scoir.","Central Bank of Cyprus: 80% of the value for a main home (70% otherwise), payments at most 80% of net disposable income.":"Banc Ceannais na Cipire: 80% den luach do phríomháit chónaithe (70% murach sin), aisíocaíochtaí 80% den ghlanioncam indiúscartha ar a mhéad.","At least 5% down payment; above 4 times gross income lenders require extra wealth (Danish FSA). Mortgage-bank loans cover up to 80%, the rest is a bank loan.":"Éarlais 5% ar a laghad; os cionn 4 oiread an olltuarastail éilíonn iasachtóirí rachmas breise (údarás na Danmhairge). Clúdaíonn iasachtaí banc morgáiste suas le 80%, is iasacht bhainc an chuid eile.","Mortgage cap 90% (law from April 2026). Repayment at least 2% a year above 70% of the value and 1% between 50% and 70%.":"Uasteorainn morgáiste 90% (dlí ó Aibreán 2026). Aisíocaíocht 2% sa bhliain ar a laghad os cionn 70% den luach agus 1% idir 50% agus 70%.","Lending regulation: 90% of the value, total debt at most 5 times gross income, must afford a 3-point rate rise; above 60% repay at least 2.5% a year.":"Rialachán iasachta: 90% den luach, fiach iomlán 5 oiread an olltuarastail ar a mhéad, caithfear ardú ráta 3 phointe a sheasamh; os cionn 60% aisíoc 2.5% sa bhliain ar a laghad.","FIN-FSA: 95% for first-time buyers and 90% for others; stressed payments (6% rate, 25 years) at most 60% of income; at most 30 years.":"FIN-FSA: 95% do chéadcheannaitheoirí agus 90% do chách eile; aisíocaíochtaí faoi strus (ráta 6%, 25 bliain) 60% den ioncam ar a mhéad; 30 bliain ar a mhéad.","Buying costs in {c}":"Costais cheannaigh: {c}","Total buying costs":"Costais cheannaigh iomlána","of the price":"den phraghas","Cash needed upfront (down payment + costs)":"Airgead tirim ag teastáil roimh ré (éarlais + costais)","Loan-to-value":"Cóimheas iasachta le luach","at most {p}":"{p} ar a mhéad","yours {p}":"agatsa {p}","Payment as a share of net income":"Aisíocaíocht mar chion den ghlanioncam","Payment at 6% over 25 years, share of net income":"Aisíocaíocht ag 6% thar 25 bliain, cion den ghlanioncam","Payment with the rate {d} points higher, share of net income":"Aisíocaíocht leis an ráta {d} pointe níos airde, cion den ghlanioncam","Loan as a multiple of gross yearly pay":"Iasacht mar iolraí den olltuarastal bliantúil","at most {x}×":"{x}× ar a mhéad","yours {x}×":"agatsa {x}×","Loan term":"Téarma na hiasachta","at most {y} years":"{y} bliain ar a mhéad","yours {y} years":"agatsa {y} bliain","Minimum repayment":"Aisíocaíocht íosta","2% of the loan a year":"2% den iasacht sa bhliain","1% of the loan a year":"1% den iasacht sa bhliain","none below 50% of the value":"dada faoi 50% den luach","2.5% of the loan a year (or a 30-year annuity)":"2.5% den iasacht sa bhliain (nó blianacht 30 bliain)","none below 60% of the value":"dada faoi 60% den luach","Lending limits in {c}":"Teorainneacha iasachta: {c}","No official limits":"Gan teorainneacha oifigiúla","Guidance (not legally binding)":"Treoir (gan cheangal dlí)","Binding rules":"Rialacha ceangailteacha","as a first-time buyer / main home":"mar chéadcheannaitheoir / príomháit chónaithe","as a repeat buyer":"mar cheannaitheoir arís","Tax relief on interest":"Faoiseamh cánach ar ús","about {v} in the first year ({m} a month), so the payment effectively costs {p} a month.":"thart ar {v} sa chéad bhliain ({m} sa mhí), mar sin cosnaíonn an aisíocaíocht {p} sa mhí i ndáiríre.","Sources: {s}. Fees marked as estimates vary by provider and region.":"Foinsí: {s}. Athraíonn táillí a mharcáiltear mar mheastacháin de réir soláthraí agus réigiúin.","Wealth if you buy, after {n} years":"Rachmas má cheannaíonn tú, tar éis {n} bliain","home value minus loan and selling costs, plus savings":"luach an tí lúide an iasacht agus costais díola, móide coigilteas","Wealth if you rent and invest":"Rachmas má ligeann tú ar cíos agus má infheistíonn tú","the upfront cash and any monthly difference, invested":"an t-airgead tosaigh agus gach difríocht mhíosúil, infheistithe","Buying ahead by {v}":"Ceannach chun tosaigh faoi {v}","Renting ahead by {v}":"Cíos chun tosaigh faoi {v}","buying pulls ahead from year {y}":"téann ceannach chun tosaigh ó bhliain {y}","buying does not pull ahead within {n} years":"ní théann ceannach chun tosaigh laistigh de {n} bliain","Buy":"Ceannaigh","Rent and invest":"Cíos agus infheistiú","How it works: both choices spend the same each month. The buyer pays the loan, the other housing costs and upkeep ({u} of the value a year), minus any interest relief; the renter pays rent rising {g} a year. Whoever spends less in a month invests the difference at {r} a year, and the renter also invests the cash the buyer needed upfront. The home grows {p} a year and selling costs {s} are deducted at the end. Taxes on investment returns and on a future sale are not included; this is a comparison under your assumptions, not advice.":"Conas a oibríonn sé: caitheann an dá rogha an méid céanna gach mí. Íocann an ceannaitheoir an iasacht, na costais tithíochta eile agus cothabháil ({u} den luach sa bhliain), lúide aon fhaoiseamh úis; íocann an tionónta cíos a ardaíonn {g} sa bhliain. An té a chaitheann níos lú i mí, infheistíonn sé an difríocht ag {r} sa bhliain, agus infheistíonn an tionónta freisin an t-airgead tosaigh a bhí ag teastáil ón gceannaitheoir. Ardaíonn an teach {p} sa bhliain agus baintear costais díola {s} ag an deireadh. Níl cánacha ar thorthaí infheistíochta ná ar dhíol amach anseo san áireamh; comparáid de réir do thoimhdí atá anseo, ní comhairle.","How it works: interest is charged every month on the remaining balance at the rate you enter. With equal monthly payments the payment stays the same and the capital part grows; with equal capital the payment starts higher and falls. Extra repayments go straight to the capital. The rate is your assumption, not an offer: compare real offers.":"Conas a oibríonn sé: gearrtar ús gach mí ar an iarmhéid atá fágtha ag an ráta a chuireann tú isteach. Le haisíocaíochtaí cothroma fanann an aisíocaíocht mar an gcéanna agus fásann an chuid chaipitil; le caipiteal cothrom tosaíonn an aisíocaíocht níos airde agus titeann sí. Téann aisíocaíochtaí breise díreach chuig an gcaipiteal. Is toimhde leatsa an ráta, ní tairiscint: cuir fíorthairiscintí i gcomparáid.","Monthly RETA quota by computable net yield (profit less a 7% generic deduction): from about €206 (up to €670/month) to €607 (above €6,000/month) in 2026, the 2025 minimum bases extended at 31.5% including the 0.9% intergenerational equity charge (MEI). IRPF on profit with the same scale, 5% hard-to-justify expenses (max €2,000), no work-income reduction.":"Ranníocaíocht mhíosúil RETA de réir an ghlanioncaim inríofa (brabús lúide asbhaint ghinearálta 7%): ó thart ar €206 (suas le €670/mí) go €607 (os cionn €6,000/mí) in 2026, bunanna íosta 2025 sínte ag 31.5% lena n-áirítear muirear cothromais idirghlúine 0.9% (MEI). IRPF ar an mbrabús leis an scála céanna, 5% de chostais dheacra le cruthú (uasmhéid €2,000), gan laghdú ar ioncam oibre.","St Francis of Assisi":"San Proinsias Assisi","Public holidays on weekdays in 2026":"Laethanta saoire poiblí ar laethanta oibre in 2026","Legal minimum annual leave in 2026, 5-day week":"Saoire bhliantúil íosta dlí in 2026, seachtain 5 lá","Annual leave after 10 years with the employer, 5-day week":"Saoire bhliantúil tar éis 10 mbliana leis an bhfostóir, seachtain 5 lá","2008 rules: income tax + employee contributions at the average wage (€23,850)":"Rialacha 2008: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€23,850)","2017 rules: income tax + employee contributions at the average wage (€19,859)":"Rialacha 2017: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€19,859)","2021 rules: income tax + employee contributions at the average wage (€20,057)":"Rialacha 2021: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€20,057)","2024 rules: income tax + employee contributions at the average wage (€25,680)":"Rialacha 2024: cáin ioncaim + ranníocaíochtaí fostaí ag an meánphá (€25,680)","Employer notice after 12 years (months)":"Fógra an fhostóra tar éis 12 bliain (míonna)","Employer notice after 20 years (months)":"Fógra an fhostóra tar éis 20 bliain (míonna)","Objective dismissal after 10 years at €30,000 a year":"Dífhostú oibiachtúil tar éis 10 mbliana ag €30,000 sa bhliain","Unfair dismissal cap for service from 2012 (days)":"Uasteorainn dífhostaithe éagóraigh do sheirbhís ó 2012 (laethanta)","Unfair dismissal with 20 years before 2012 (days)":"Dífhostú éagórach le 20 bliain roimh 2012 (laethanta)","Transfer tax on €200,000":"Cáin aistrithe ar €200,000","Transfer tax (ITP) on a €300,000 resale home in Madrid":"Cáin aistrithe (ITP) ar theach athdhíola €300,000 i Maidrid","Transfer tax + land register fee on €300,000":"Cáin aistrithe + táille chlár talún ar €300,000","Transfer tax on a €200,000 housing-company flat":"Cáin aistrithe ar árasán cuideachta tithíochta €200,000","Document duty on NOK 4,000,000":"Dleacht doiciméad ar NOK 4,000,000","Transfer fees on a €200,000 resale home":"Táillí aistrithe ar theach athdhíola €200,000","RETA quota for €18,000 net profit a year":"Ranníocaíocht RETA ar ghlanbhrabús €18,000 sa bhliain","Health + care insurance at the minimum base, childless, age 30":"Árachas sláinte agus cúraim ar an mbonn íosta, gan leanaí, 30 bliain d’aois","tax, contributions, net pay, state and private pensions, termination, benefits, home buying, leave, freelance":"cáin, ranníocaíochtaí, glanphá, pinsin stáit agus phríobháideacha, foirceannadh, sochair, teach a cheannach, saoire, féinfhostaithe","Micro-entrepreneur contributions on €40,000 of service fees (BNC)":"Ranníocaíochtaí micro-entrepreneur ar €40,000 de tháillí seirbhíse (BNC)","5 weeks (25 working days) a year under the Holiday Act, earned at 2.08 days a month, with 12.5% holiday pay or full pay plus a 1% supplement. Many agreements add 5 extra holiday days (feriefridage). Great Prayer Day was abolished in 2024. Constitution Day (5 June) is not a public holiday by law, but many agreements give a full or half day off.":"5 seachtaine (25 lá oibre) sa bhliain faoi dhlí saoire na Danmhairge, tuillte ag 2.08 lá sa mhí, le 12.5% pá saoire nó lánphá móide 1%. Cuireann go leor comhaontuithe 5 lá breise leis (feriefridage). Cuireadh deireadh le Lá Mór na hUrnaí in 2024. Ní lá saoire poiblí faoin dlí é Lá an Bhunreachta (5 Meitheamh), ach tugann go leor comhaontuithe lá nó leathlá saor.","Private pension (PGBL/VGBL) payout tax after 10 years, regressive table":"Cáin ar íocaíochtaí pinsin phríobháidigh (PGBL/VGBL) tar éis 10 mbliana, tábla laghdaitheach","PGBL deduction limit for R$60,000 of taxable income":"Teorainn asbhainte PGBL do R$60,000 d’ioncam inchánach","New York mansion tax on a $1,200,000 home":"Cáin «mansion» Nua-Eabhrac ar theach $1,200,000","ITBI on a R$500,000 home in São Paulo":"ITBI ar theach R$500,000 in São Paulo","California":"California","California SDI 1.3%":"SDI California 1.3%","New York":"Nua-Eabhrac","NY Paid Family Leave 0.432% (max $411.91) + disability $0.60 a week":"Saoire teaghlaigh íoctha NY 0.432% (uasmhéid $411.91) + míchumas $0.60 sa tseachtain","Texas (no state income tax)":"Texas (gan cháin ioncaim stáit)","Florida (no state income tax)":"Florida (gan cháin ioncaim stáit)","Washington (no state income tax)":"Washington (gan cháin ioncaim stáit)","WA Cares long-term care 0.58%":"WA Cares cúram fadtéarmach 0.58%","WA Paid Family and Medical Leave 0.81%":"Saoire teaghlaigh agus leighis íoctha WA 0.81%","Illinois":"Illinois","Pennsylvania":"Pennsylvania","PA unemployment 0.07%":"Dífhostaíocht PA 0.07%","Ohio":"Ohio","Georgia":"Georgia","North Carolina":"Carolina Thuaidh","Michigan":"Michigan","New Jersey":"New Jersey","NJ unemployment, disability and family leave insurance":"Árachas dífhostaíochta, míchumais agus saoire teaghlaigh NJ","Massachusetts":"Massachusetts","MA Paid Family and Medical Leave 0.46%":"Saoire teaghlaigh agus leighis íoctha MA 0.46%","Virginia":"Virginia","Arizona":"Arizona","Colorado":"Colorado","Another state (federal taxes only)":"Stát eile (cánacha feidearálacha amháin)","Social Security 6.2% (up to $184,500)":"Social Security 6.2% (suas le $184,500)","Medicare 1.45% (+0.9% above $200,000)":"Medicare 1.45% (+0.9% os cionn $200,000)","Federal income tax":"Cáin ioncaim fheidearálach","Refundable Child Tax Credit":"Child Tax Credit inaisíoctha","Standard deduction (federal)":"Asbhaint chaighdeánach (fheidearálach)","Overtime deduction (2025–2028)":"Asbhaint ragoibre (2025–2028)","Child Tax Credit ($2,200 per child)":"Child Tax Credit ($2,200 in aghaidh an linbh)","Self-employment tax 15.3% (Social Security + Medicare)":"Cáin féinfhostaíochta 15.3% (Social Security + Medicare)","State":"Stát","Maximum weekly benefit":"Uasshochar seachtainiúil","Weeks":"Seachtainí","None by law":"Dada de réir dlí","at-will employment; 60 days for mass layoffs (WARN Act)":"fostaíocht «at will»; 60 lá d’oll-iomarcaíochtaí (WARN Act)","United States":"Stáit Aontaithe","Filing status":"Stádas comhdaithe","Married filing jointly (one income)":"Pósta, comhthuairisceán (ioncam amháin)","Head of household (single parent)":"Ceann teaghlaigh (tuismitheoir aonair)","I live in New York City (city income tax)":"Tá cónaí orm i gCathair Nua-Eabhrac (cáin ioncaim chathrach)","Employer match (% of what you put in)":"Meaitseáil an fhostóra (% den mhéid a chuireann tú isteach)","Matched up to (% of salary)":"Meaitseáilte suas le (% den tuarastal)","Account type":"Cineál cuntais","Traditional 401(k): tax relief now, taxed when paid out":"401(k) Traditional: faoiseamh anois, cáin nuair a íoctar amach é","Roth 401(k): no relief now, tax-free when paid out":"401(k) Roth: gan faoiseamh anois, íocaíocht saor ó cháin","Your tax rate in retirement %":"Do ráta cánach ar scor %","Company severance: weeks of pay per year (0 if none)":"Iomarcaíocht na cuideachta: seachtainí pá in aghaidh na bliana (0 mura bhfuil)","Federal income tax 2026":"Cáin ioncaim fheidearálach 2026","10% to 37% in seven brackets; for a single filer 10% up to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above (joint brackets are twice as wide up to 32%). Standard deduction $16,100 single, $32,200 joint, $24,150 head of household. Child Tax Credit $2,200 per child, up to $1,700 refundable.":"10% go 37% i seacht mbanda; do dhuine singil 10% suas le $12,400, 12% go $50,400, 22% go $105,700, 24% go $201,775, 32% go $256,225, 35% go $640,600 agus 37% os a chionn (bandaí comhpháirteacha dhá oiread níos leithne suas go 32%). Asbhaint chaighdeánach $16,100 singil, $32,200 comhpháirteach, $24,150 ceann teaghlaigh. Child Tax Credit $2,200 in aghaidh an linbh, suas le $1,700 inaisíoctha.","Payroll taxes (FICA)":"Cánacha párolla (FICA)","Social Security 6.2% on pay up to $184,500 and Medicare 1.45% on all pay, plus 0.9% above $200,000. Your employer pays the same 7.65% plus federal and state unemployment tax. Some states add disability or family-leave contributions (California SDI 1.3%, New York, New Jersey, Massachusetts, Washington).":"Social Security 6.2% ar phá suas le $184,500 agus Medicare 1.45% ar an bpá ar fad, móide 0.9% os cionn $200,000. Íocann d’fhostóir an 7.65% céanna móide cáin dífhostaíochta fheidearálach agus stáit. Cuireann roinnt stát ranníocaíochtaí míchumais nó saoire teaghlaigh leis (SDI California 1.3%, Nua-Eabhrac, New Jersey, Massachusetts, Washington).","State income tax":"Cáin ioncaim stáit","Each state sets its own: none in Texas, Florida, Washington and six others; flat rates such as Pennsylvania 3.07%, Illinois 4.95%, North Carolina 3.99% and Georgia 4.99%; graduated rates up to 13.3% in California and 10.9% in New York (plus up to 3.876% New York City tax). Traditional 401(k) contributions lower state tax too, except in Pennsylvania.":"Socraíonn gach stát a cháin féin: dada i Texas, Florida, Washington agus sé cinn eile; rátaí cothroma mar Pennsylvania 3.07%, Illinois 4.95%, Carolina Thuaidh 3.99% agus Georgia 4.99%; rátaí grádaithe suas le 13.3% i California agus 10.9% i Nua-Eabhrac (móide suas le 3.876% cáin Chathair Nua-Eabhrac). Laghdaíonn ranníocaíochtaí 401(k) Traditional cáin stáit freisin, ach amháin i Pennsylvania.","Non-exempt employees get at least 1.5 times their regular rate for hours over 40 in a week. There is no federal premium for nights, weekends or holidays, and no federal cap on overtime hours. Some states add daily overtime (California: over 8 hours a day, double time over 12).":"Faigheann fostaithe neamhdhíolmhaithe 1.5 oiread a ngnáthráta ar a laghad as uaireanta os cionn 40 sa tseachtain. Níl aon bhreis fheidearálach don oíche, don deireadh seachtaine ná do laethanta saoire, ná uasteorainn fheidearálach ar ragobair. Cuireann roinnt stát ragobair laethúil leis (California: os cionn 8 n-uaire sa lá, dúbailte os cionn 12).","No tax on overtime (2025–2028)":"Gan cháin ar ragobair (2025–2028)","The premium part of FLSA overtime (the extra half) can be deducted from federal taxable income, up to $12,500 a year ($25,000 joint), phasing out above $150,000 of income ($300,000 joint). Social Security, Medicare and most state taxes still apply.":"Is féidir an chuid bhreise de ragobair FLSA (an leath bhreise) a asbhaint ón ioncam inchánach feidearálach, suas le $12,500 sa bhliain ($25,000 comhpháirteach), ag laghdú os cionn $150,000 d’ioncam ($300,000 comhpháirteach). Baineann Social Security, Medicare agus formhór na gcánacha stáit fós.","No federal limit":"Gan teorainn fheidearálach","Self-employment tax 15.3% (12.4% Social Security up to $184,500 + 2.9% Medicare) on 92.35% of net profit; half of it is deductible. The qualified business income deduction takes 20% off taxable income below $201,750 ($403,500 joint). Estimated tax is paid quarterly. State income tax applies as for employees.":"Cáin féinfhostaíochta 15.3% (12.4% Social Security suas le $184,500 + 2.9% Medicare) ar 92.35% den ghlanbhrabús; tá a leath inasbhainte. Baineann an asbhaint ioncaim ghnó cháilithe 20% den ioncam inchánach faoi $201,750 ($403,500 comhpháirteach). Íoctar an cháin roimh ré gach ráithe. Baineann cáin stáit mar a bhaineann d’fhostaithe.","Social Security":"Social Security","Based on your best 35 years of earnings (up to the taxable maximum), indexed to wages: 90% of the first $1,286 of average monthly earnings, 32% up to $7,749 and 15% above (2026). Full retirement age is 67 for people born in 1960 or later; claiming at 62 pays 70%, waiting to 70 pays 124%. You need 40 credits ($1,890 of earnings per credit in 2026, up to 4 a year).":"Bunaithe ar do 35 bliain tuillimh is fearr (suas leis an uasmhéid), innéacsaithe le pá: 90% den chéad $1,286 den tuilleamh míosúil meánach, 32% suas le $7,749 agus 15% os a chionn (2026). Is é 67 an aois iomlán scoir dóibh siúd a rugadh i 1960 nó ina dhiaidh; ag 62 faigheann tú 70%, má fhanann tú go 70 faigheann tú 124%. Teastaíonn 40 creidmheas uait ($1,890 tuillimh in aghaidh an chreidmheasa in 2026, suas le 4 sa bhliain).","Tax and Medicare":"Cáin agus Medicare","Up to 85% of benefits can be taxed if other income is high; with Social Security alone most retirees pay no federal tax. From 65 the Medicare Part B premium ($202.90 a month in 2026) is usually deducted from the benefit. Benefits rose 2.8% in 2026.":"Is féidir suas le 85% de na sochair a chánachú má tá ioncam eile ard; le Social Security amháin ní íocann formhór na bpinsinéirí cáin fheidearálach. Ó 65 bhaintear préimh Medicare Part B ($202.90 sa mhí in 2026) den sochar de ghnáth. D’ardaigh na sochair 2.8% in 2026.","401(k): you choose a share of your pay; many employers match part of it (often 50% of up to 6% of salary). Traditional contributions are taken before income tax and taxed when withdrawn; Roth contributions are taxed now and withdrawn tax-free. Withdrawals usually start from 59½, and required minimum distributions from 73.":"401(k): roghnaíonn tú sciar de do phá; meaitseálann go leor fostóirí cuid de (go minic 50% suas le 6% den tuarastal). Baintear ranníocaíochtaí Traditional roimh cháin ioncaim agus cánaítear iad nuair a tharraingítear siar iad; cánaítear ranníocaíochtaí Roth anois agus tarraingítear siar iad saor ó cháin. Tosaíonn aistarraingtí de ghnáth ó 59½, agus aistarraingtí íosta éigeantacha ó 73.","Martin Luther King Jr. Day":"Martin Luther King Jr. Day","Washington’s Birthday":"Breithlá Washington","Memorial Day":"Memorial Day","Juneteenth":"Juneteenth","Labor Day":"Labor Day","Columbus Day":"Columbus Day","Veterans Day":"Veterans Day","Thanksgiving Day":"Lá an Altaithe (Thanksgiving)","No federal law requires paid vacation or paid holidays in the private sector; they come from your employer (11 days after a year of service is typical). The 11 federal holidays are shown, moved to Friday or Monday when they fall on a weekend. Some states require paid sick days, and a few pay family leave.":"Níl aon dlí feidearálach a éilíonn saoire íoctha ná laethanta saoire poiblí íoctha san earnáil phríobháideach; tagann siad ón bhfostóir (is gnách 11 lá tar éis bliana seirbhíse). Taispeántar na 11 lá saoire feidearálacha, aistrithe go hAoine nó go Luan nuair a thiteann siad ag an deireadh seachtaine. Éilíonn roinnt stát laethanta breoiteachta íoctha agus íocann cúpla ceann saoire teaghlaigh.","8 weeks of state Paid Family Leave at 70–90% of pay":"8 seachtaine de shaoire teaghlaigh íoctha stáit ag 70–90% den phá","12 weeks of state Paid Family Leave at 67% of pay (capped)":"12 sheachtain de shaoire teaghlaigh íoctha stáit ag 67% den phá (le huasteorainn)","12 weeks of state Family Leave Insurance at 85% of pay (capped)":"12 sheachtain d’árachas saoire teaghlaigh stáit ag 85% den phá (le huasteorainn)","12 weeks of state Paid Family Leave (up to 26 with medical leave)":"12 sheachtain de shaoire teaghlaigh íoctha stáit (suas le 26 le saoire leighis)","12 weeks of state Paid Family Leave (up to 90% of pay, capped)":"12 sheachtain de shaoire teaghlaigh íoctha stáit (suas le 90% den phá, le huasteorainn)","12 weeks of state FAMLI paid leave (up to 90% of pay, capped)":"12 sheachtain de shaoire íoctha FAMLI stáit (suas le 90% den phá, le huasteorainn)","Family and Medical Leave Act (FMLA)":"Family and Medical Leave Act (FMLA)","12 weeks a year for a birth, adoption or serious illness (employers with 50+ staff, after 12 months)":"12 sheachtain sa bhliain do bhreith, uchtáil nó breoiteacht thromchúiseach (fostóirí le 50+ duine, tar éis 12 mhí)","State paid family leave":"Saoire teaghlaigh íoctha stáit","Not available in this state":"Níl sí ar fáil sa stát seo","Paid by the state fund":"Íoctha ag ciste an stáit","Paid sick leave":"Saoire bhreoiteachta íoctha","No federal right; many states require 40 hours or more a year (California, New York, New Jersey, Massachusetts, Washington, Arizona, Illinois, Michigan, Colorado)":"Gan cheart feidearálach; éilíonn go leor stát 40 uair an chloig nó níos mó sa bhliain (California, Nua-Eabhrac, New Jersey, Massachusetts, Washington, Arizona, Illinois, Michigan, Colorado)","Full pay where required":"Lánphá nuair is éigeantach","Pregnancy and nursing":"Toircheas agus beathú cíche","Reasonable accommodations and break time to express milk for a year (Pregnant Workers Fairness Act, PUMP Act)":"Cóiríochtaí réasúnta agus sosanna chun bainne a bhaint ar feadh bliana (Pregnant Workers Fairness Act, PUMP Act)","Breaks usually unpaid":"Sosanna gan phá de ghnáth","Laid off or dismissed (not for misconduct)":"Bríste as post nó dífhostaithe (ní mar gheall ar mhí-iompar)","At-will employment":"Fostaíocht «at will»","In almost every state either side can end the job at any time without notice or a reason (but not for a discriminatory or retaliatory reason). There is no legal severance; many employers pay 1–2 weeks per year of service in exchange for a release. The WARN Act requires 60 days’ notice for mass layoffs at employers with 100+ staff.":"I mbeagnach gach stát is féidir le ceachtar taobh deireadh a chur leis an bpost am ar bith gan fógra ná cúis (ach ní ar chúis idirdhealaitheach ná díoltais). Níl aon íocaíocht iomarcaíochta dlíthiúil ann; íocann go leor fostóirí 1–2 sheachtain in aghaidh gach bliana seirbhíse mar mhalairt ar tharscaoileadh éileamh. Éilíonn an WARN Act fógra 60 lá d’oll-iomarcaíochtaí ag fostóirí le 100+ duine.","Unemployment insurance":"Árachas dífhostaíochta","Run by each state: usually about half of your previous weekly pay up to a state maximum (from $275 in Florida to $1,152 in Washington in 2026), for up to 26 weeks (12 in Florida and North Carolina, 14 in Georgia). Benefits are taxable income. Not after quitting without good cause.":"Á reáchtáil ag gach stát: de ghnáth thart ar leath de do phá seachtainiúil roimhe seo suas le huasmhéid (ó $275 i Florida go $1,152 i Washington in 2026), ar feadh suas le 26 seachtaine (12 i Florida agus i gCarolina Thuaidh, 14 i Georgia). Tá na sochair inchánach. Ní tar éis éirí as gan chúis mhaith.","Final pay and health cover":"Pá deiridh agus clúdach sláinte","Some states (such as California, Colorado, Illinois and Massachusetts) require unused vacation to be paid out. COBRA lets you keep your employer health plan for up to 18 months at your own cost.":"Éilíonn roinnt stát (mar California, Colorado, Illinois agus Massachusetts) go n-íocfar saoire nár úsáideadh. Ligeann COBRA duit plean sláinte an fhostóra a choinneáil suas le 18 mí ar do chostas féin.","A traditional 401(k) contribution lowers both federal and state income tax; take at least the full employer match, it is an instant return.":"Laghdaíonn ranníocaíocht 401(k) Traditional cáin ioncaim fheidearálach agus stáit araon; tóg ar a laghad meaitseáil iomlán an fhostóra, is toradh láithreach é.","If you are paid FLSA overtime, its premium half is deductible from federal income tax until 2028 (up to $12,500).":"Má íoctar ragobair FLSA leat, is féidir an leath bhreise a asbhaint ón gcáin fheidearálach go dtí 2028 (suas le $12,500).","The Child Tax Credit ($2,200 per child) is included in the tax above; there is no separate monthly child benefit. Married couples usually file jointly with brackets twice as wide.":"Tá an Child Tax Credit ($2,200 in aghaidh an linbh) san áireamh sa cháin thuas; níl aon sochar leanaí míosúil ar leith ann. De ghnáth déanann lánúineacha pósta comhthuairisceán le bandaí dhá oiread níos leithne.","No legal severance (at-will employment)":"Gan íocaíocht iomarcaíochta dlíthiúil (fostaíocht «at will»)","12 weeks unpaid (FMLA); paid in some states":"12 sheachtain gan phá (FMLA); íoctha i roinnt stát","12 weeks unpaid (FMLA)":"12 sheachtain gan phá (FMLA)","No federal paid leave":"Gan saoire íoctha fheidearálach","No federal right; many states require 40 hours":"Gan cheart feidearálach; go leor stát 40 uair an chloig","Annual federal and state tax for one employee with the standard deduction, before any pre-tax health insurance. Local income taxes other than New York City (for example in Pennsylvania, Ohio and Michigan cities), itemised deductions, the AMT and state credits are not modelled; payroll withholding can differ from the tax on your return.":"Cáin bhliantúil fheidearálach agus stáit d’fhostaí amháin leis an asbhaint chaighdeánach, roimh aon árachas sláinte réamhchánach. Ní ríomhtar cánacha ioncaim áitiúla seachas Cathair Nua-Eabhrac (mar shampla i gcathracha i Pennsylvania, Ohio agus Michigan), asbhaintí mionsonraithe, an AMT ná creidmheasanna stáit; féadfaidh an cháin a bhaintear den phá a bheith difriúil ón gcáin ar do thuairisceán.","Official sources: IRS (Rev. Proc. 2025-32, Notice 2025-67), Social Security Administration (2026 COLA fact sheet), US Department of Labor (FLSA, state unemployment insurance laws), state tax agencies (FTB/EDD California, NY DTF, NJ Treasury, Massachusetts DOR).":"Foinsí oifigiúla: IRS (Rev. Proc. 2025-32, Notice 2025-67), Social Security Administration (bileog COLA 2026), Roinn Saothair na SA (FLSA, dlíthe stáit árachais dífhostaíochta), údaráis chánach stáit (FTB/EDD California, NY DTF, NJ Treasury, Massachusetts DOR).","Federal income tax, single, $60,000 of wages":"Cáin ioncaim fheidearálach, singil, pá $60,000","Federal income tax, married filing jointly, $120,000":"Cáin ioncaim fheidearálach, pósta i gcomhthuairisceán, $120,000","California income tax, single, $80,000 of wages":"Cáin ioncaim California, singil, pá $80,000","Overtime deduction for $20,000 of overtime premium, income $200,000 (single)":"Asbhaint ragoibre do bhreis ragoibre $20,000, ioncam $200,000 (singil)","Employee Social Security + Medicare on $200,000":"Social Security + Medicare an fhostaí ar $200,000","New York Paid Family Leave, maximum per year":"Saoire teaghlaigh íoctha Nua-Eabhrac, uasmhéid sa bhliain","Primary insurance amount for average indexed earnings of $5,000 a month":"Bunmhéid do thuilleamh innéacsaithe meánach $5,000 sa mhí","Benefit when claiming at 62 (full retirement age 67)":"Sochar nuair a éilítear ag 62 (aois iomlán 67)","401(k) employee limit at age 45":"Teorainn 401(k) an fhostaí ag 45","401(k) employee limit at age 61 (super catch-up)":"Teorainn 401(k) an fhostaí ag 61 (ranníocaíocht bhreise mhéadaithe)","Self-employment tax on $50,000 net profit":"Cáin féinfhostaíochta ar ghlanbhrabús $50,000","Maximum weekly unemployment benefit, California":"Uasshochar dífhostaíochta seachtainiúil, California","Maximum weekly unemployment benefit, New York":"Uasshochar dífhostaíochta seachtainiúil, Nua-Eabhrac","Child Tax Credit for 2 children, income $80,000":"Child Tax Credit do 2 leanbh, ioncam $80,000","INSS 7.5–14% (up to R$8,475.55 a month)":"INSS 7.5–14% (suas le R$8,475.55 sa mhí)","IRRF income tax (12 monthly salaries)":"Cáin ioncaim IRRF (12 thuarastal mhíosúla)","IRRF on the 13th salary (taxed separately)":"IRRF ar an 13ú tuarastal (cánaithe ar leith)","FGTS 8% paid by your employer into your account":"FGTS 8% a íocann d’fhostóir isteach i do chuntas","Vacation bonus of one third (paid with your holidays, taxed)":"Bónas saoire de thrian (íoctha leis an tsaoire, inchánach)","Salário-família R$67.54 per child (pay up to R$1,980.38)":"Salário-família R$67.54 in aghaidh an linbh (pá suas le R$1,980.38)","MEI monthly DAS (INSS 5% of the minimum wage + ISS)":"DAS míosúil MEI (INSS 5% den íosphá + ISS)","INSS 20% for the self-employed (up to the ceiling)":"INSS 20% don duine féinfhostaithe (suas leis an uasteorainn)","30 days + 3 per year of service, up to 90":"30 lá + 3 in aghaidh gach bliana seirbhíse, suas le 90","30 days (you give it)":"30 lá (tusa a thugann é)","Brazil":"An Bhrasaíl","Regime":"Córas","Self-employed (autônomo, carnê-leão)":"Féinfhostaithe (autônomo, carnê-leão)","MEI micro-entrepreneur (up to R$81,000 a year)":"Micrifhiontraí MEI (suas le R$81,000 sa bhliain)","Progressive contribution on each slice of monthly pay: 7.5% up to R$1,621.00, 9% up to R$2,902.84, 12% up to R$4,354.27 and 14% up to the ceiling of R$8,475.55 (maximum R$988.09 a month). The 13th salary pays INSS too.":"Ranníocaíocht fhorásach ar gach slisne den phá míosúil: 7.5% suas le R$1,621.00, 9% suas le R$2,902.84, 12% suas le R$4,354.27 agus 14% suas leis an uasteorainn R$8,475.55 (R$988.09 sa mhí ar a mhéad). Íocann an 13ú tuarastal INSS freisin.","Income tax (IRRF) 2026":"Cáin ioncaim (IRRF) 2026","Monthly table: exempt up to R$2,428.80, then 7.5%, 15%, 22.5% and 27.5% above R$4,664.68, after deducting INSS and R$189.59 per dependant (or a simplified R$607.20). Since January 2026 (Lei 15.270/2025) a reduction makes taxable income up to R$5,000 a month tax-free and tapers off by R$7,350. The 13th salary is taxed separately.":"Tábla míosúil: saor ó cháin suas le R$2,428.80, ansin 7.5%, 15%, 22.5% agus 27.5% os cionn R$4,664.68, tar éis INSS agus R$189.59 in aghaidh an chleithiúnaí (nó lascaine simplithe R$607.20) a asbhaint. Ó Eanáir 2026 (Lei 15.270/2025) déanann laghdú ioncam inchánach suas le R$5,000 sa mhí saor ó cháin agus imíonn sé faoi R$7,350. Cánaítear an 13ú tuarastal ar leith.","13th salary, FGTS and employer cost":"13ú tuarastal, FGTS agus costas an fhostóra","Employees get a 13th salary each December and a one-third bonus on their holiday pay. The employer deposits 8% of pay into your FGTS account and pays about 28% social contributions (20% INSS + accident insurance + third-party levies); companies in Simples Nacional pay less. Minimum wage R$1,621 a month.":"Faigheann fostaithe 13ú tuarastal gach Nollaig agus bónas trian ar a bpá saoire. Taisceann an fostóir 8% den phá i do chuntas FGTS agus íocann sé thart ar 28% de ranníocaíochtaí (20% INSS + árachas timpistí + tobhaigh tríú páirtí); íocann cuideachtaí sa Simples Nacional níos lú. Íosphá R$1,621 sa mhí.","CLT overtime":"Ragobair faoin CLT","At least 50% extra for overtime (art. 59 CLT), at most 2 hours a day; 100% on Sundays and public holidays worked without a day off in lieu. Night work from 22:00 to 05:00 pays at least 20% extra, and a night hour counts as 52½ minutes.":"50% breise ar a laghad do ragobair (alt 59 CLT), 2 uair an chloig sa lá ar a mhéad; 100% ar an Domhnach agus ar laethanta saoire poiblí oibrithe gan lá saor ina ionad. Íoctar 20% breise ar a laghad ar obair oíche ó 22:00 go 05:00, agus áirítear uair oíche mar 52½ nóiméad.","Overtime pays INSS and IRRF like normal pay and also raises your 13th salary, holiday pay and FGTS.":"Íocann ragobair INSS agus IRRF cosúil le gnáthphá agus ardaíonn sé do 13ú tuarastal, do phá saoire agus FGTS freisin.","2 h / day":"2 uair / lá","Autônomo and MEI":"Autônomo agus MEI","A self-employed person pays INSS of 20% of earnings up to the ceiling (at most R$1,695.11 a month) and monthly income tax through carnê-leão on receipts less business expenses; municipal service tax (ISS) is not included. A MEI with revenue up to R$81,000 a year pays only a fixed monthly DAS (R$86.05 for services in 2026), which covers INSS and ISS.":"Íocann duine féinfhostaithe INSS 20% den tuilleamh suas leis an uasteorainn (R$1,695.11 sa mhí ar a mhéad) agus cáin ioncaim mhíosúil trí carnê-leão ar fháltais lúide costais ghnó; níl an cháin seirbhíse bhardasach (ISS) san áireamh. Íocann MEI le hioncam suas le R$81,000 sa bhliain DAS míosúil seasta amháin (R$86.05 do sheirbhísí in 2026), a chlúdaíonn INSS agus ISS.","INSS retirement by age":"Pinsean scoir INSS de réir aoise","Since the 2019 reform: age 65 for men and 62 for women, with at least 15 years of contributions (20 for men who started after November 2019). The pension is 60% of the average of all salaries since July 1994 plus 2 points per year above 20 years (men) or 15 (women), never below the minimum wage (R$1,621) or above the ceiling (R$8,475.55).":"Ó leasú 2019: aois 65 d’fhir agus 62 do mhná, le 15 bliana ranníocaíochta ar a laghad (20 d’fhir a thosaigh tar éis Shamhain 2019). Is é an pinsean 60% de mheán na dtuarastal go léir ó Iúil 1994 móide 2 phointe in aghaidh gach bliana os cionn 20 (fir) nó 15 (mná), riamh faoin íosphá (R$1,621) ná os cionn na huasteorann (R$8,475.55).","Payment and tax":"Íocaíocht agus cáin","Pensions are paid 13 times a year and rise each January with inflation (above the minimum, by INPC). From 65 an extra R$1,903.98 a month is exempt from income tax. Transition rules for people insured before the reform can give an earlier or higher pension; check Meu INSS.":"Íoctar pinsin 13 huaire sa bhliain agus ardaíonn siad gach Eanáir le boilsciú (os cionn an íosmhéid, de réir INPC). Ó 65 tá R$1,903.98 breise sa mhí saor ó cháin. Is féidir le rialacha idirthréimhseacha dóibh siúd a bhí árachaithe roimh an leasú pinsean níos luaithe nó níos airde a thabhairt; seiceáil Meu INSS.","Private pension (PGBL/VGBL): with the regressive tax table, payouts are taxed at 35% for money held under 2 years, falling by 5 points every two years to 10% after 10 years. Employer plans (fundos de pensão) often match part of your contribution.":"Pinsean príobháideach (PGBL/VGBL): leis an tábla laghdaitheach, cánaítear íocaíochtaí ag 35% d’airgead a coinníodh níos lú ná 2 bhliain, ag titim 5 phointe gach dhá bhliain go 10% tar éis 10 mbliana. Is minic a mheaitseálann pleananna fostóra (fundos de pensão) cuid de do ranníocaíocht.","New Year (Confraternização Universal)":"Lá Caille (Confraternização Universal)","Good Friday (Paixão de Cristo)":"Aoine an Chéasta (Paixão de Cristo)","Tiradentes":"Tiradentes","Our Lady of Aparecida":"Muire Aparecida","All Souls’ Day (Finados)":"Lá na Marbh (Finados)","Proclamation of the Republic":"Fógairt na Poblachta","Black Consciousness Day":"Lá na Feasachta Duibhe","30 calendar days of paid holidays after each 12 months of work (art. 130 CLT), about 22 working days, with a one-third bonus; they can be split into up to three periods (one of at least 14 days), and up to 10 days can be sold back. The national holidays are shown; Carnival is an optional day off (ponto facultativo), and states and cities add their own holidays.":"30 lá féilire de shaoire íoctha tar éis gach 12 mhí oibre (alt 130 CLT), thart ar 22 lá oibre, le bónas de thrian; is féidir í a roinnt i suas le trí thréimhse (ceann amháin 14 lá ar a laghad), agus is féidir suas le 10 lá a dhíol. Taispeántar na laethanta saoire náisiúnta; is lá saor roghnach (ponto facultativo) é an Carnabhal, agus bíonn a laethanta saoire féin ag stáit agus cathracha.","120 days (180 at Empresa Cidadã employers)":"120 lá (180 ag fostóirí Empresa Cidadã)","Full pay (salário-maternidade, INSS)":"Lánphá (salário-maternidade, INSS)","5 days in 2026 (20 at Empresa Cidadã); rising to 10 days in 2027, 15 in 2028 and 20 in 2029 under the 2026 law":"5 lá in 2026 (20 ag Empresa Cidadã); ag ardú go 10 lá in 2027, 15 in 2028 agus 20 in 2029 faoi dhlí 2026","Full pay":"Lánphá","Breastfeeding breaks":"Sosanna beathaithe cíche","Two 30-minute breaks a day until the baby is 6 months old":"Dhá shos 30 nóiméad sa lá go dtí go mbíonn an leanbh 6 mhí d’aois","First 15 days paid by the employer, then INSS sickness benefit (auxílio por incapacidade)":"An chéad 15 lá íoctha ag an bhfostóir, ansin sochar breoiteachta INSS (auxílio por incapacidade)","100%, then 91% of the average salary (capped)":"100%, ansin 91% den mheántuarastal (le huasteorainn)","Justified absences":"Neamhláithreachtaí údaraithe","3 days for your wedding, 2 days for a death in the family, 1 day a year for blood donation":"3 lá do do phósadh, 2 lá do bhás sa teaghlach, 1 lá sa bhliain chun fuil a bhronnadh","Dismissal without just cause":"Dífhostú gan chúis chóir","Mutual agreement (art. 484-A CLT)":"Comhaontú frithpháirteach (alt 484-A CLT)","Notice of 30 days plus 3 days per full year of service, up to 90 days (Lei 12.506/2011), usually paid in lieu; a fine of 40% of your FGTS balance paid by the employer; the whole FGTS balance is released; pro-rata 13th salary and holidays with the one-third bonus. Unemployment insurance on top.":"Fógra 30 lá móide 3 lá in aghaidh gach bliana iomláine seirbhíse, suas le 90 lá (Lei 12.506/2011), íoctha in ionad oibre de ghnáth; fíneáil 40% d’iarmhéid FGTS a íocann an fostóir; scaoiltear iarmhéid iomlán FGTS; 13ú tuarastal agus saoire de réir comhréire leis an mbónas trian. Móide árachas dífhostaíochta.","Mutual agreement and resignation":"Comhaontú frithpháirteach agus éirí as","By agreement (art. 484-A): half the notice, a 20% FGTS fine, 80% of the FGTS balance can be withdrawn, and no unemployment insurance. On resignation you give 30 days’ notice and keep only the pro-rata 13th salary and holidays.":"Trí chomhaontú (alt 484-A): leath an fhógra, fíneáil FGTS 20%, is féidir 80% den iarmhéid FGTS a tharraingt, agus gan árachas dífhostaíochta. Má éiríonn tú as tugann tú fógra 30 lá agus ní choinníonn tú ach an 13ú tuarastal agus an tsaoire de réir comhréire.","Unemployment insurance (seguro-desemprego)":"Árachas dífhostaíochta (seguro-desemprego)","From the average of your last three salaries: 80% up to R$2,222.17, R$1,777.74 + 50% of the excess up to R$3,703.99, and R$2,518.65 above; never below the minimum wage. 4 payments with 12–23 months worked, 5 with 24 or more (first claim).":"Ó mheán do thrí thuarastal deiridh: 80% suas le R$2,222.17, R$1,777.74 + 50% den bharrachas suas le R$3,703.99, agus R$2,518.65 os a chionn; riamh faoin íosphá. 4 íocaíocht le 12–23 mhí oibre, 5 le 24 nó níos mó (an chéad éileamh).","Between R$5,000 and R$7,350 a month the 2026 tax reduction still lowers your IRRF; above R$7,350 the normal table applies.":"Idir R$5,000 agus R$7,350 sa mhí laghdaíonn laghdú 2026 do IRRF fós; os cionn R$7,350 baineann an gnáththábla.","Your FGTS (8% a month) is your money: check the balance in the FGTS app, and on dismissal without cause you also get a 40% fine on it.":"Is leatsa do FGTS (8% sa mhí): seiceáil an t-iarmhéid san aip FGTS, agus ar dhífhostú gan chúis faigheann tú fíneáil 40% air freisin.","Salário-família (R$67.54 per child under 14) is paid only when monthly pay is at most R$1,980.38. Spouses file separate tax returns unless one is declared a dependant.":"Ní íoctar salário-família (R$67.54 in aghaidh linbh faoi 14) ach nuair nach mó an pá míosúil ná R$1,980.38. Déanann céilí tuairisceáin ar leith mura ndearbhaítear duine acu mar chleithiúnaí.","Notice in lieu + 40% FGTS fine":"Fógra íoctha + fíneáil FGTS 40%","120 days at full pay (180 at Empresa Cidadã)":"120 lá ar lánphá (180 ag Empresa Cidadã)","5 days (20 at Empresa Cidadã)":"5 lá (20 ag Empresa Cidadã)","15 days by the employer, then INSS (91%)":"15 lá ag an bhfostóir, ansin INSS (91%)","Monthly withholding for one CLT employee without other income; the annual return (declaração) can change the final tax. PLR profit sharing (taxed on its own table), alimony, health and education deductions are not modelled, and employer costs assume a company outside Simples Nacional.":"Coinneáil mhíosúil d’fhostaí CLT amháin gan ioncam eile; féadfaidh an tuairisceán bliantúil (declaração) an cháin deiridh a athrú. Ní ríomhtar comhroinnt brabúis PLR (lena tábla féin), cothabháil ná asbhaintí sláinte agus oideachais, agus glacann costais an fhostóra le cuideachta lasmuigh den Simples Nacional.","Official sources: Receita Federal (IRRF tables, Lei 15.270/2025), Ministério da Previdência Social and INSS (Portaria Interministerial MPS/MF 13/2026), Ministério do Trabalho e Emprego (seguro-desemprego 2026), Planalto (CLT, Decreto 12.797/2025 minimum wage), IBGE.":"Foinsí oifigiúla: Receita Federal (táblaí IRRF, Lei 15.270/2025), Ministério da Previdência Social agus INSS (Portaria Interministerial MPS/MF 13/2026), Ministério do Trabalho e Emprego (seguro-desemprego 2026), Planalto (CLT, Decreto 12.797/2025 ar an íosphá), IBGE.","INSS on a R$5,000 monthly salary":"INSS ar thuarastal míosúil R$5,000","Maximum monthly INSS for employees":"Uas-INSS míosúil d’fhostaithe","IRRF on a R$4,000 monthly salary":"IRRF ar thuarastal míosúil R$4,000","IRRF on a R$6,000 monthly salary":"IRRF ar thuarastal míosúil R$6,000","Minimum INSS pension (per month)":"Íosphinsean INSS (sa mhí)","Pension, man, 30 years, average salary R$4,000":"Pinsean, fear, 30 bliain, meántuarastal R$4,000","Notice after 10 years of service (days)":"Fógra tar éis 10 mbliana seirbhíse (laethanta)","Unemployment insurance, average salary R$3,000 (per month)":"Árachas dífhostaíochta, meántuarastal R$3,000 (sa mhí)","Maximum unemployment insurance payment":"Uasíocaíocht árachais dífhostaíochta","Salário-família per child (pay up to R$1,980.38)":"Salário-família in aghaidh an linbh (pá suas le R$1,980.38)","MEI monthly DAS for services":"DAS míosúil MEI do sheirbhísí","Lender, title and settlement costs (estimate, about 3% of the loan)":"Costais iasachtóra, teidil agus socraíochta (meastachán, thart ar 3% den iasacht)","Mortgage recording tax (New York City, 1.8% / 1.925%)":"Cáin chlárúcháin morgáiste (Cathair Nua-Eabhrac, 1.8% / 1.925%)","Mortgage recording tax (about 1.05%, varies by county)":"Cáin chlárúcháin morgáiste (thart ar 1.05%, athraíonn de réir contae)","Mansion tax 1% (price $1 million or more)":"Cáin «mansion» 1% (praghas milliún dollar nó níos mó)","Mansion tax 1% (price above $1 million)":"Cáin «mansion» 1% (praghas os cionn milliún dollar)","Documentary stamp tax 0.35% + intangible tax 0.2% on the mortgage":"Dleacht stampála 0.35% + cáin sócmhainní doláimhsithe 0.2% ar an morgáiste","Realty transfer tax, buyer’s usual half (1% state + about 1% local, split)":"Cáin aistrithe, leath ghnách an cheannaitheora (1% stáit + thart ar 1% áitiúil, roinnte)","ITBI municipal transfer tax (3% in São Paulo and Rio de Janeiro; 2–3% elsewhere)":"Cáin aistrithe bhardasach ITBI (3% in São Paulo agus Rio de Janeiro; 2–3% in áiteanna eile)","Deed and land registry (escritura e registro, estimate about 1.5%)":"Gníomhas agus clárlann talún (escritura e registro, meastachán thart ar 1.5%)","Mortgage interest on up to $750,000 of debt is deductible if you itemise; it saves tax only on the part of the interest plus state and local taxes (capped at $40,400; property tax estimated at 1.1% of the price) above your standard deduction":"Tá ús morgáiste ar fhiach suas le $750,000 inasbhainte má mhionsonraíonn tú asbhaintí; ní shábhálann sé cáin ach ar an gcuid den ús móide cánacha stáit agus áitiúla (le huasteorainn $40,400; cáin mhaoine measta ag 1.1% den phraghas) os cionn d’asbhainte caighdeánaí","No tax relief on mortgage interest.":"Gan faoiseamh cánach ar ús morgáiste.","No binding borrower limits. Conventional loans need at least 3% down (FHA 3.5%), with mortgage insurance below 20%; lenders usually accept total debt payments up to 43–50% of gross income. Conforming loan limit $832,750 in 2026 (up to $1,249,125 in high-cost areas).":"Gan teorainneacha ceangailteacha iasachta. Teastaíonn éarlais 3% ar a laghad ó iasachtaí traidisiúnta (FHA 3.5%), le hárachas morgáiste faoi 20%; glacann iasachtóirí de ghnáth le haisíocaíochtaí fiach suas le 43–50% den olltuarastal. Teorainn iasachta comhréireach $832,750 in 2026 (suas le $1,249,125 i gceantair chostasacha).","Banks finance up to 80% of the value within the SFH (Caixa often 70% for SBPE loans since 2025), and the first payment usually may not exceed 30% of gross family income. FGTS savings can pay the down payment on a first home.":"Maoiníonn bainc suas le 80% den luach laistigh den SFH (Caixa go minic 70% d’iasachtaí SBPE ó 2025), agus de ghnáth ní féidir leis an gcéad íocaíocht dul thar 30% d’olltuarastal an teaghlaigh. Is féidir le coigilteas FGTS an éarlais a íoc ar chéad teach.","Federal tax, payroll taxes and the 15 state options follow 2026 law; local income taxes outside New York City, itemised deductions and state credits are not modelled.":"Leanann an cháin fheidearálach, cánacha párolla agus na 15 rogha stáit dlí 2026; ní ríomhtar cánacha ioncaim áitiúla lasmuigh de Chathair Nua-Eabhrac, asbhaintí mionsonraithe ná creidmheasanna stáit.","Monthly withholding (INSS and IRRF) is checked; the annual tax return can change the final tax, and PLR profit sharing is not modelled.":"Tá an choinneáil mhíosúil (INSS agus IRRF) seiceáilte; féadfaidh an tuairisceán bliantúil an cháin deiridh a athrú, agus ní ríomhtar comhroinnt brabúis PLR.","Your earnings are used in today’s money with the 2026 bend points; Social Security indexes past earnings to national wages, so your official estimate at ssa.gov can differ.":"Úsáidtear do thuilleamh i ndollair an lae inniu le pointí lúbtha 2026; innéacsaíonn Social Security tuilleamh roimhe seo le pá náisiúnta, mar sin d’fhéadfadh do mheastachán oifigiúil ar ssa.gov a bheith difriúil.","Transition rules for people insured before November 2019 are not modelled, and the average salary is built from your inputs; check Meu INSS for your official record.":"Ní ríomhtar na rialacha idirthréimhseacha dóibh siúd a bhí árachaithe roimh Shamhain 2019, agus tógtar an meántuarastal ó do shonraí; seiceáil Meu INSS le haghaidh do thaifid oifigiúil.","The weekly unemployment benefit is estimated at about half of your weekly pay up to the state maximum; each state uses its own formula and base period.":"Meastar an sochar dífhostaíochta seachtainiúil ag thart ar leath de do phá seachtainiúil suas le huasmhéid an stáit; tá foirmle agus bunthréimhse féin ag gach stát.","The FGTS balance and its 40% fine are estimated from your salary and years of service (8% a month plus about 3% a year); check the FGTS app for your real balance.":"Meastar iarmhéid FGTS agus a fhíneáil 40% ó do thuarastal agus do bhlianta seirbhíse (8% sa mhí móide thart ar 3% sa bhliain); seiceáil an aip FGTS le haghaidh an iarmhéid cheart.","Your 401(k)":"Do 401(k)","PayAbacus has no accounts and does not send what you type anywhere: all calculations run in your browser.||Your last inputs, language and theme are remembered only in this browser, so you find them next time; clearing your browser data removes them. A shared link or code contains the scenario itself and is seen only by the people you send it to.||Everything the page needs, including its fonts and chart library, is served from this site itself: nothing is loaded from other companies, and there are no cookies, no tracking and no advertising. You can delete what this browser keeps at any time with the button below.":"Níl cuntais ag PayAbacus agus ní sheolann sé an méid a chuireann tú isteach áit ar bith: déantar na ríomhanna go léir i do bhrabhsálaí.||Ní choinnítear d’ionchuir dheireanacha, an teanga agus an téama ach sa bhrabhsálaí seo, ionas go bhfaighidh tú iad an chéad uair eile; scriostar iad má ghlanann tú sonraí an bhrabhsálaí. Tá an cás féin i nasc nó i gcód comhroinnte agus ní fheiceann ach na daoine a sheolann tú chucu é.||Seirbheáiltear gach a dteastaíonn ón leathanach, a chlónna agus a leabharlann cairteacha san áireamh, ón suíomh seo féin: ní luchtaítear aon rud ó chuideachtaí eile, agus níl aon fhianáin, rianú ná fógraíocht ann. Is féidir leat a gcoimeádann an brabhsálaí seo a scriosadh am ar bith leis an gcnaipe thíos.","Delete the data saved in this browser":"Scrios na sonraí a sábháladh sa bhrabhsálaí seo","The data saved in this browser has been deleted.":"Scriosadh na sonraí a sábháladh sa bhrabhsálaí seo.","PayAbacus is a free, non-commercial information website run by a private individual.||Owner and person responsible for the content: {name}, {address}. Email: {email}.||The calculators give estimates based on the published 2026 rules and official sources for each country. They are not tax, legal, financial or investment advice and do not replace an accountant, a lawyer or the competent authority. Rules change and, despite careful checks, mistakes are possible; no liability is accepted for decisions taken on the basis of the results, except where the law provides otherwise.||Links to official websites are given for information; their owners are responsible for their content.||The texts, design and code of PayAbacus are protected by copyright. The fonts and the chart library are used under their open licences (SIL Open Font License and MIT). Greek law applies.":"Is suíomh gréasáin faisnéise saor in aisce, neamhthráchtála é PayAbacus atá á reáchtáil ag duine príobháideach.||Úinéir agus an duine atá freagrach as an ábhar: {name}, {address}. Ríomhphost: {email}.||Tugann na háireamháin meastacháin bunaithe ar rialacha foilsithe 2026 agus ar fhoinsí oifigiúla do gach tír. Ní comhairle chánach, dlí, airgeadais ná infheistíochta iad agus ní thagann siad in ionad cuntasóra, dlíodóra ná an údaráis inniúil. Athraíonn rialacha agus, in ainneoin seiceálacha cúramacha, d’fhéadfadh botúin a bheith ann; ní ghlactar le haon dliteanas as cinntí a dhéantar bunaithe ar na torthaí, ach amháin mar a fhoráiltear sa dlí.||Tugtar naisc chuig suíomhanna oifigiúla mar eolas; is iad a n-úinéirí atá freagrach as a n-ábhar.||Tá téacsanna, dearadh agus cód PayAbacus faoi chosaint chóipchirt. Úsáidtear na clónna agus an leabharlann cairteacha faoina gceadúnais oscailte (SIL Open Font License agus MIT). Is é dlí na Gréige atá i bhfeidhm.","Questions, suggestions or a mistake you have found? Write to {email}.||To help us check a case against the official sources, please mention the country, the tab and the numbers you entered. We read every message.":"Ceisteanna, moltaí nó botún aimsithe agat? Scríobh chuig {email}.||Chun cabhrú linn cás a sheiceáil leis na foinsí oifigiúla, luaigh an tír, an cluaisín agus na suimeanna a chuir tú isteach. Léimid gach teachtaireacht.","Responsible for this website under the GDPR: {name}, {address}, {email}. You can write to this address about your rights, and you can also complain to the Hellenic Data Protection Authority (dpa.gr).":"Freagrach as an suíomh seo faoin RGCS: {name}, {address}, {email}. Is féidir leat scríobh chuig an seoladh seo faoi do chearta agus gearán a dhéanamh freisin le hÚdarás Cosanta Sonraí na Gréige (dpa.gr).","Spotted a mistake? Report it":"An bhfaca tú botún? Tuairiscigh é","Your email app opens with the details filled in; nothing is sent until you press Send.":"Osclaítear d’aip ríomhphoist leis na sonraí líonta isteach; ní sheoltar aon rud go dtí go mbrúnn tú Seol.","possible mistake":"botún féideartha","What looks wrong?":"Cad a fhéachann mícheart?","What did you expect, and from which official source (a link if possible)?":"Cad a bhí tú ag súil leis, agus ó cén fhoinse oifigiúil (nasc más féidir)?","Tab":"Cluaisín","Language":"Teanga","Your inputs that differ from the defaults":"Na sonraí a chuir tú isteach atá difriúil ó na réamhshocruithe","none (default values)":"dada (luachanna réamhshocraithe)","Scenario link":"Nasc an chás","Report a mistake":"Tuairiscigh botún","National public holidays on weekdays in 2026":"Laethanta saoire poiblí náisiúnta ar laethanta oibre in 2026","NSW transfer duty on an $800,000 home (not a first home)":"Dleacht aistrithe in NSW ar theach $800,000 (ní an chéad teach)","Victorian land transfer duty on an $800,000 home":"Dleacht aistrithe i Victoria ar theach $800,000","Queensland duty on a $700,000 first home (existing)":"Dleacht aistrithe i Queensland ar chéad teach $700,000 (teach atá ann cheana)","Queensland duty on a $700,000 home to live in (not first)":"Dleacht aistrithe i Queensland ar theach $700,000 le cónaí ann (ní an chéad cheann)","Medicare levy 2%":"Tobhach Medicare 2%","Income tax (2026–27 rates)":"Cáin ioncaim (rátaí 2026–27)","HELP study loan repayment (reduces your debt)":"Aisíocaíocht iasachta staidéir HELP (laghdaíonn sí d’fhiach)","Super guarantee 12% paid by your employer on top of your salary":"Super guarantee 12% a íocann d’fhostóir i dteannta do thuarastail","Low income tax offset":"Fritháireamh cánach ar ioncam íseal","part":"páirteach","Set by your award or contract (often 1–4 weeks)":"Leagtha síos ag do dhámhachtain (award) nó do chonradh (go minic 1–4 seachtaine)","National Employment Standards minimum":"Íosmhéid na National Employment Standards","Notice (+1 week over 45)":"Fógra (+1 seachtain os cionn 45)","Redundancy pay":"Pá iomarcaíochta","Australia":"An Astráil","I have a HELP study loan":"Tá iasacht staidéir HELP agam","I have private hospital cover (no Medicare levy surcharge)":"Tá clúdach ospidéil príobháideach agam (gan formhuirear Medicare)","Super and savings at pension age (today’s money)":"Super agus coigilteas ag aois an phinsin (luach an lae inniu)","I own my home":"Is liom féin mo theach","My employer has fewer than 15 employees (no NES redundancy pay)":"Tá níos lú ná 15 fostaí ag m’fhostóir (gan pá iomarcaíochta NES)","Income tax 2026–27":"Cáin ioncaim 2026–27","The income year runs from 1 July to 30 June. Residents pay nothing up to $18,200, then 15% to $45,000 (16% until June 2026), 30% to $135,000, 37% to $190,000 and 45% above. The low income tax offset of up to $700 reduces the tax for incomes below $66,667.":"Ritheann an bhliain ioncaim ón 1 Iúil go dtí an 30 Meitheamh. Ní íocann cónaitheoirí aon rud suas go $18,200, ansin 15% go $45,000 (16% go Meitheamh 2026), 30% go $135,000, 37% go $190,000 agus 45% os a chionn sin. Laghdaíonn an fritháireamh ar ioncam íseal, suas go $700, an cháin ar ioncam faoi $66,667.","Medicare levy and surcharge":"Tobhach agus formhuirear Medicare","The Medicare levy is 2% of taxable income, phased in above $28,011 for singles. Without private hospital cover, singles with income above $105,000 also pay the Medicare levy surcharge of 1%, 1.25% or 1.5% (2026–27 thresholds; families $210,000).":"Is é an tobhach Medicare 2% den ioncam inchánach, tugtha isteach de réir a chéile os cionn $28,011 do dhaoine singile. Gan clúdach ospidéil príobháideach, íocann daoine singile a bhfuil ioncam os cionn $105,000 acu an formhuirear Medicare 1%, 1.25% nó 1.5% freisin (tairseacha 2026–27; teaghlaigh $210,000).","Super and HELP":"Super agus HELP","Your employer pays super guarantee of 12% on top of your salary into your super fund, with each payday from July 2026 (Payday Super), on earnings up to $270,830 a year. A HELP study loan is repaid through the tax system: 15c per $ of income above $69,528, 17c above $129,717, and 10% of all income above $186,050.":"Íocann d’fhostóir super guarantee 12% i dteannta do thuarastail isteach i do chiste super, le gach lá pá ó Iúil 2026 (Payday Super), ar thuilleamh suas go $270,830 sa bhliain. Aisíoctar iasacht staidéir HELP tríd an gcóras cánach: 15c in aghaidh gach $ ioncaim os cionn $69,528, 17c os cionn $129,717, agus 10% den ioncam ar fad os cionn $186,050.","Awards and agreements":"Dámhachtainí agus comhaontuithe","The National Employment Standards cap ordinary hours at 38 a week plus reasonable additional hours; overtime and penalty rates come from your award or agreement. Most awards pay time and a half for the first 2–3 hours and double time after, with Saturday, Sunday and public holiday penalties (often 25–150% extra) and shift loadings of about 15%.":"Cuireann na National Employment Standards teorainn de 38 uair sa tseachtain le gnáthuaireanta, móide uaireanta breise réasúnta; tagann rátaí ragoibre agus pionóis ó do dhámhachtain nó do chomhaontú. Íocann formhór na ndámhachtainí go leith don chéad 2–3 uair agus dúbailte ina dhiaidh sin, le pionóis Satharn, Domhnaigh agus laethanta saoire poiblí (go minic 25–150% breise) agus liúntais seala de thart ar 15%.","Overtime is taxed like normal pay. From July 2026 super is paid on qualifying earnings each payday; overtime usually does not attract the super guarantee unless your award says so.":"Gearrtar cáin ar ragobair ar nós gnáthphá. Ó Iúil 2026 íoctar super ar thuilleamh cáilitheach le gach lá pá; de ghnáth ní bhíonn super guarantee ar ragobair mura ndeir do dhámhachtain é.","38 h + reasonable extra":"38 uair + breis réasúnta","Business profit is taxed at the normal rates plus the 2% Medicare levy. The small business income tax offset takes 16% off the tax on that profit, up to $1,000 a year. There is no compulsory super for yourself, but personal contributions can be deducted up to the $32,500 cap. You must register for GST once turnover reaches $75,000; tax is prepaid through quarterly PAYG instalments.":"Gearrtar cáin ar bhrabús gnó ag na gnáthrátaí móide an tobhach Medicare 2%. Baineann fritháireamh cánach ioncaim do ghnólachtaí beaga 16% den cháin ar an mbrabús sin, suas go $1,000 sa bhliain. Níl aon super éigeantach duit féin, ach is féidir ranníocaíochtaí pearsanta a asbhaint suas go dtí an teorainn $32,500. Ní mór clárú le haghaidh GST nuair a shroicheann an láimhdeachas $75,000; réamhíoctar cáin trí thráthchodanna ráithiúla PAYG.","Age Pension":"Pinsean Aoise (Age Pension)","From age 67 for residents with at least 10 years of residence (5 of them in one stretch). It is not based on earnings: the maximum is $1,237.70 a fortnight for a single person and $933.00 each for a couple (from 20 September 2026), reduced by an income test (50c per $ of income above $226 a fortnight, with savings deemed to earn 1.75% / 3.75%) and an assets test ($3 a fortnight per $1,000 above $333,000 for a single homeowner). Rates rise every March and September.":"Ó aois 67 do chónaitheoirí a bhfuil 10 mbliana cónaithe ar a laghad acu (5 díobh as a chéile). Níl sé bunaithe ar thuilleamh: is é an t-uasmhéid $1,237.70 in aghaidh an choicís do dhuine singil agus $933.00 an duine do lánúin (ón 20 Meán Fómhair 2026), laghdaithe ag tástáil ioncaim (50c in aghaidh gach $ ioncaim os cionn $226 sa choicís, agus glactar leis go dtuilleann coigilteas 1.75% / 3.75%) agus tástáil sócmhainní ($3 sa choicís in aghaidh gach $1,000 os cionn $333,000 do úinéir tí singil). Ardaíonn na rátaí gach Márta agus Meán Fómhair.","Super at retirement":"Super ag an scor","Most Australians retire on their super plus a full or part Age Pension. Super can be accessed from 60 once you retire (or at 65), and withdrawals from 60 are tax-free. Your home is not counted in the assets test.":"Scoireann formhór na nAstrálach ar a super móide Pinsean Aoise iomlán nó páirteach. Is féidir teacht ar super ó aois 60 nuair a scoireann tú (nó ag 65), agus níl cáin ar tharraingtí ó 60. Ní áirítear do theach sa tástáil sócmhainní.","Super: your employer must pay 12% of your salary into your fund; you can add more by salary sacrifice. Contributions and fund earnings are taxed at up to 15% inside the fund (shown here as 15% of the final balance), and withdrawals after 60 are tax-free. Super is locked until you retire after reaching 60.":"Super: ní mór d’fhostóir 12% de do thuarastal a íoc isteach i do chiste; is féidir leat níos mó a chur leis trí salary sacrifice. Gearrtar cáin suas go 15% ar ranníocaíochtaí agus ar thuilleamh an chiste laistigh den chiste (taispeántar anseo mar 15% den iarmhéid deiridh), agus níl cáin ar tharraingtí tar éis 60. Tá super faoi ghlas go dtí go scoireann tú tar éis aois 60.","Australia Day":"Lá na hAstráile","Anzac Day":"Lá Anzac","King’s Birthday (most states)":"Breithlá an Rí (formhór na stát)","Four weeks of paid annual leave a year for full-time employees (five for some shift workers), accrued with each hour worked; many awards add a 17.5% leave loading. The national public holidays are shown (New Year’s Day, Australia Day and Christmas move to Monday when they fall on a weekend); each state adds its own, such as Labour Day, Easter Saturday and Melbourne Cup Day. Long service leave (about 8.7 weeks after 10 years) is set by state law.":"Ceithre seachtaine de shaoire bhliantúil íoctha sa bhliain d’fhostaithe lánaimseartha (cúig cinn do roinnt oibrithe seala), carntha le gach uair oibre; cuireann go leor dámhachtainí ualú saoire 17.5% leis. Taispeántar na laethanta saoire poiblí náisiúnta (bogann Lá Caille, Lá na hAstráile agus Lá Nollag go dtí an Luan nuair a thiteann siad ag an deireadh seachtaine); cuireann gach stát a chuid féin leo, mar Labour Day, Satharn Cásca agus Lá Chorn Melbourne. Socraíonn dlí an stáit saoire seirbhíse fada (thart ar 8.7 seachtaine tar éis 10 mbliana).","Parental Leave Pay (government)":"Pá Saoire Tuismitheora (rialtas)","26 weeks (130 days) for a child born from 1 July 2026, shared between parents with 20 days reserved for the partner; income test applies":"26 seachtaine (130 lá) do leanbh a rugadh ón 1 Iúil 2026, roinnte idir na tuismitheoirí le 20 lá in áirithe don pháirtí; bíonn tástáil ioncaim i gceist","$1,004.70 a week (national minimum wage) plus 12% super, taxable":"$1,004.70 sa tseachtain (íosphá náisiúnta) móide 12% super, inchánach","12 months per parent after 12 months of service, with the right to request 12 more":"12 mhí an tuismitheoir tar éis 12 mhí seirbhíse, agus ceart iarraidh ar 12 eile","Personal / carer’s leave":"Saoire phearsanta / chúramóra","10 days a year (pro rata for part-time), unused days roll over":"10 lá sa bhliain (pro rata do pháirtaimseartha), tugtar laethanta neamhúsáidte ar aghaidh","Compassionate and family violence leave":"Saoire chomhbhá agus saoire foréigin teaghlaigh","2 days per occasion (death or serious illness in the family); 10 days a year of family and domestic violence leave":"2 lá in aghaidh na hócáide (bás nó tinneas tromchúiseach sa teaghlach); 10 lá sa bhliain de shaoire foréigin teaghlaigh agus baile","Made redundant (genuine redundancy)":"Déanta iomarcach (fíoriomarcaíocht)","Dismissed (not redundancy, not misconduct)":"Briste as post (ní iomarcaíocht, ní mí-iompar)","Notice and redundancy pay":"Fógra agus pá iomarcaíochta","Minimum notice is 1 week (up to 1 year of service), 2 weeks (up to 3), 3 weeks (up to 5) and 4 weeks after that, plus 1 week if you are over 45 with at least 2 years; it can be paid in lieu. When a job is made redundant at an employer with 15 or more employees, NES redundancy pay is 4 weeks after 1 year rising to 16 weeks after 9 years, then 12 weeks from 10 years (long service leave takes over). Unused annual leave is paid out.":"Is é an t-íosfhógra 1 seachtain (suas go bliain seirbhíse), 2 sheachtain (suas go 3), 3 seachtaine (suas go 5) agus 4 seachtaine ina dhiaidh sin, móide 1 seachtain má tá tú os cionn 45 le 2 bhliain ar a laghad; is féidir é a íoc ina ionad. Nuair a dhéantar post iomarcach ag fostóir a bhfuil 15 fostaí nó níos mó aige, is é pá iomarcaíochta NES 4 seachtaine tar éis bliana, ag ardú go 16 seachtaine tar éis 9 mbliana, ansin 12 sheachtain ó 10 mbliana (glacann saoire seirbhíse fada an lámh in uachtar). Íoctar saoire bhliantúil neamhúsáidte.","Tax on termination payments":"Cáin ar íocaíochtaí foirceanta","A genuine redundancy payment is tax-free up to $13,598 + $6,801 per complete year of service (2026–27). The rest is an employment termination payment taxed at 32% including Medicare (17% from age 60) up to the $270,000 cap and 47% above. Pay in lieu of notice on a dismissal is taxed the same way, with the cap reduced by your other income above $180,000.":"Tá íocaíocht fíoriomarcaíochta saor ó cháin suas go $13,598 + $6,801 in aghaidh gach bliain iomlán seirbhíse (2026–27). Is íocaíocht foirceanta fostaíochta (ETP) an chuid eile, faoi réir cánach 32% lena n-áirítear Medicare (17% ó aois 60) suas go dtí an teorainn $270,000 agus 47% os a chionn. Gearrtar cáin ar an mbealach céanna ar phá in ionad fógra ar bhriseadh as post, agus laghdaítear an teorainn de réir d’ioncaim eile os cionn $180,000.","JobSeeker Payment":"Íocaíocht JobSeeker","Unemployment support is a flat, means-tested payment, not linked to your previous pay: $824.90 a fortnight for a single person without children (from 20 September 2026). Liquid assets and redundancy pay can delay the first payment by up to several weeks, and leaving a job voluntarily can bring a non-payment period.":"Is íocaíocht chothrom, faoi réir tástáil acmhainne, an tacaíocht dífhostaíochta, gan nasc le do phá roimhe: $824.90 sa choicís do dhuine singil gan leanaí (ón 20 Meán Fómhair 2026). Is féidir le sócmhainní leachtacha agus pá iomarcaíochta moill roinnt seachtainí a chur ar an gcéad íocaíocht, agus má fhágann tú post go deonach d’fhéadfadh tréimhse gan íocaíocht teacht as.","Without private hospital cover you pay the Medicare levy surcharge; basic hospital cover can cost less than the surcharge at your income.":"Gan clúdach ospidéil príobháideach íocann tú an formhuirear Medicare; d’fhéadfadh clúdach ospidéil bunúsach níos lú a chosaint ná an formhuirear ag d’ioncam.","Check that your employer pays your 12% super: from July 2026 it must reach your fund within 7 days of each payday, and you can see it in myGov.":"Seiceáil go n-íocann d’fhostóir do 12% super: ó Iúil 2026 ní mór dó do chiste a shroicheadh laistigh de 7 lá ó gach lá pá, agus is féidir leat é a fheiceáil i myGov.","Family Tax Benefit is paid by Services Australia based on family income and is not included here. Australians file individual tax returns; the Medicare levy thresholds and surcharge use family income for couples.":"Íocann Services Australia an Family Tax Benefit bunaithe ar ioncam an teaghlaigh agus níl sé san áireamh anseo. Déanann Astrálaigh tuairisceáin cánach aonair; úsáideann tairseacha agus formhuirear Medicare ioncam an teaghlaigh do lánúineacha.","NES redundancy pay + notice":"Pá iomarcaíochta NES + fógra","26 weeks Parental Leave Pay at the minimum wage + 12 months unpaid":"26 seachtaine Pá Saoire Tuismitheora ar an íosphá + 12 mhí gan phá","Shares the 26 weeks (20 days reserved for the partner)":"Roinneann sé na 26 seachtaine (20 lá in áirithe don pháirtí)","12 months unpaid per parent (can extend to 24)":"12 mhí gan phá an tuismitheoir (is féidir síneadh go 24)","10 days a year at full pay":"10 lá sa bhliain ar phá iomlán","Annual tax for one Australian-resident employee for the 2026–27 income year, with super paid on top of the salary entered. The Medicare levy uses the latest published singles threshold; family thresholds, Family Tax Benefit, salary packaging, fringe benefits, deductions and the seniors offset for workers over pension age are not modelled.":"Cáin bhliantúil d’fhostaí amháin atá ina chónaitheoir san Astráil don bhliain ioncaim 2026–27, le super íoctha i dteannta an tuarastail a cuireadh isteach. Úsáideann an tobhach Medicare an tairseach is déanaí a foilsíodh do dhaoine singile; ní ríomhtar tairseacha teaghlaigh, Family Tax Benefit, pacáistiú tuarastail, sochair imeallacha, asbhaintí ná fritháireamh na sinsear d’oibrithe os cionn aois an phinsin.","Official sources: Australian Taxation Office (2026–27 tax rates, Medicare levy and surcharge, HELP repayment thresholds, super contribution caps and guarantee, ETP and genuine redundancy limits), Fair Work Ombudsman (National Employment Standards, national minimum wage from 1 July 2026), Services Australia (Age Pension, deeming, JobSeeker and Parental Leave Pay rates from 20 September 2026), Revenue NSW, State Revenue Office Victoria, Queensland Revenue Office, APRA, Australian Bureau of Statistics.":"Foinsí oifigiúla: Australian Taxation Office (rátaí 2026–27, tobhach agus formhuirear Medicare, tairseacha aisíocaíochta HELP, teorainneacha agus ráthaíocht super, teorainneacha ETP agus fíoriomarcaíochta), Fair Work Ombudsman (National Employment Standards, íosphá náisiúnta ón 1 Iúil 2026), Services Australia (Age Pension, deeming, JobSeeker agus Pá Saoire Tuismitheora ón 20 Meán Fómhair 2026), Revenue NSW, State Revenue Office Victoria, Queensland Revenue Office, APRA, Australian Bureau of Statistics.","Income tax on $90,000 (2026–27)":"Cáin ioncaim ar $90,000 (2026–27)","Income tax + Medicare levy on $60,000":"Cáin ioncaim + tobhach Medicare ar $60,000","Medicare levy on $29,000 (low-income reduction)":"Tobhach Medicare ar $29,000 (laghdú ioncaim íseal)","Medicare levy surcharge, single, $117,000 of income":"Formhuirear Medicare, singil, ioncam $117,000","HELP repayment on $137,064 of repayment income":"Aisíocaíocht HELP ar ioncam aisíocaíochta $137,064","HELP repayment on $86,380 of repayment income":"Aisíocaíocht HELP ar ioncam aisíocaíochta $86,380","Concessional contributions cap 2026–27":"Teorainn ranníocaíochtaí lamháltais 2026–27","Employer super guarantee on a $300,000 salary":"Super guarantee an fhostóra ar thuarastal $300,000","Full Age Pension, single (per fortnight)":"Pinsean Aoise iomlán, singil (in aghaidh an choicís)","Age Pension, single homeowner with $500,000 of super (per fortnight)":"Pinsean Aoise, úinéir tí singil le $500,000 super (in aghaidh an choicís)","Tax-free genuine redundancy limit, 8 complete years":"Teorainn saor ó cháin fíoriomarcaíochta, 8 mbliana iomlána","NES redundancy pay after 9 years (weeks)":"Pá iomarcaíochta NES tar éis 9 mbliana (seachtainí)","Notice for a 46-year-old with 6 years of service (weeks)":"Fógra do dhuine 46 bliana le 6 bliana seirbhíse (seachtainí)","JobSeeker Payment, single, no children (per fortnight)":"JobSeeker, singil, gan leanaí (in aghaidh an choicís)","Parental Leave Pay, 26 weeks in 2026–27":"Pá Saoire Tuismitheora, 26 seachtaine in 2026–27","Sole trader income tax on $80,000 profit":"Cáin ioncaim trádálaí aonair ar bhrabús $80,000","New South Wales":"New South Wales","Victoria":"Victoria","Queensland":"Queensland","Conveyancing, searches and registration fees (estimate)":"Aistriú dlíthiúil, cuardaigh agus táillí clárúcháin (meastachán)","Transfer duty: first home buyer exemption (NSW, up to $800,000)":"Dleacht aistrithe: díolúine do cheannaitheoirí tí den chéad uair (NSW, suas go $800,000)","Transfer duty with the first home buyer concession (NSW, $800,000–$1 million, estimate)":"Dleacht aistrithe le lamháltas do cheannaitheoirí tí den chéad uair (NSW, $800,000–$1 milliún, meastachán)","Transfer duty (NSW, 2026–27 rates)":"Dleacht aistrithe (NSW, rátaí 2026–27)","Land transfer duty: first home buyer exemption (Victoria, up to $600,000)":"Dleacht aistrithe talún: díolúine do cheannaitheoirí tí den chéad uair (Victoria, suas go $600,000)","Land transfer duty with the first home buyer concession (Victoria, $600,000–$750,000, estimate)":"Dleacht aistrithe talún le lamháltas do cheannaitheoirí tí den chéad uair (Victoria, $600,000–$750,000, meastachán)","Land transfer duty, principal place of residence rate (Victoria)":"Dleacht aistrithe talún, ráta príomháite cónaithe (Victoria)","Land transfer duty (Victoria)":"Dleacht aistrithe talún (Victoria)","Transfer duty, home concession less the first home concession (Queensland, existing home)":"Dleacht aistrithe, ráta tí lúide lamháltas an chéad tí (Queensland, teach atá ann cheana)","Transfer duty, home concession rate (Queensland)":"Dleacht aistrithe, ráta tí (Queensland)","No relief for a home you live in; interest is deductible only on an investment property.":"Gan faoiseamh do theach ina gcónaíonn tú; ní féidir ús a asbhaint ach ar mhaoin infheistíochta.","APRA: banks must test that you can afford the loan at 3 points above its rate, and since 1 February 2026 at most 20% of a bank’s new home loans may be at 6 times income or more. Below a 20% deposit lenders usually charge mortgage insurance, unless you use the government Home Guarantee Scheme (5% deposit, price caps by area).":"APRA: ní mór do bhainc a thástáil gur féidir leat an iasacht a íoc ag ráta 3 phointe níos airde, agus ón 1 Feabhra 2026 ní fhéadfaidh níos mó ná 20% d’iasachtaí tí nua bainc a bheith ag 6 huaire an ioncaim nó níos mó. Le éarlais faoi 20% gearrann iasachtóirí árachas morgáiste de ghnáth, mura n-úsáideann tú Home Guarantee Scheme an rialtais (éarlais 5%, uasphraghsanna de réir ceantair).","Your super":"Do super","Transfer duty on a HUF 60 million home":"Dleacht aistrithe ar theach HUF 60 milliún","Mortgage interest relief on CZK 200,000 of interest":"Faoiseamh cánach ar ús morgáiste ar CZK 200,000 úis","Social and health insurance 13.78% (up to €2,300 a month)":"Árachas sóisialta agus sláinte 13.78% (suas go €2,300 sa mhí)","Income tax 10%":"Cáin ioncaim 10%","Employer contributions (about 19%)":"Ranníocaíochtaí fostóra (thart ar 19%)","Self-employed contributions 27.8% (pension + health)":"Ranníocaíochtaí féinfhostaithe 27.8% (pinsean + sláinte)","30 days":"30 lá","indefinite contract (up to 3 months by agreement)":"conradh gan téarma (suas go 3 mhí trí chomhaontú)","Notice paid in lieu (30 days)":"Fógra íoctha ina ionad (30 lá)","Compensation while unemployed (up to 1 month’s pay)":"Cúiteamh fad atá tú dífhostaithe (suas go pá míosa)","Bulgaria":"An Bhulgáir","I am in a universal pension fund (UPF, born 1960 or later)":"Táim i gciste pinsin uilíoch (UPF, rugadh in 1960 nó ina dhiaidh)","A flat 10% on pay after the employee’s social and health contributions. Bulgaria adopted the euro on 1 January 2026 (1 € = 1.95583 lev). Minimum wage €620.20 a month.":"Cáin chothrom 10% ar an bpá tar éis ranníocaíochtaí sóisialta agus sláinte an fhostaí. Ghlac an Bhulgáir leis an euro an 1 Eanáir 2026 (€1 = 1.95583 lev). Íosphá €620.20 sa mhí.","Social and health insurance":"Árachas sóisialta agus sláinte","Employees pay 13.78%: pension 8.78% (of which 2.2% goes to a universal pension fund for people born from 1960), sickness and maternity 1.4%, unemployment 0.4% and health 3.2%. Employers pay about 19%. Contributions stop above the maximum insurable income of €2,300 a month (from 1 August 2026; €2,111.64 before).":"Íocann fostaithe 13.78%: pinsean 8.78% (agus téann 2.2% de chuig ciste pinsin uilíoch do dhaoine a rugadh ó 1960), breoiteacht agus máithreachas 1.4%, dífhostaíocht 0.4% agus sláinte 3.2%. Íocann fostóirí thart ar 19%. Stopann na ranníocaíochtaí os cionn an ioncaim inárachaithe uasta €2,300 sa mhí (ón 1 Lúnasa 2026; €2,111.64 roimhe sin).","Labour Code":"An Cód Saothair","Overtime pays at least 50% extra on working days, 75% on weekends and 100% on public holidays; night work pays at least 15% extra. Overtime is limited to 150 hours a year (300 by collective agreement).":"Íoctar ragobair le 50% breise ar a laghad ar laethanta oibre, 75% ag an deireadh seachtaine agus 100% ar laethanta saoire poiblí; obair oíche le 15% breise ar a laghad. Tá teorainn 150 uair sa bhliain le ragobair (300 trí chomhaontú comhchoiteann).","Overtime pays contributions and the 10% tax like normal pay, up to the insurable maximum.":"Íoctar ranníocaíochtaí agus an cháin 10% ar ragobair cosúil le gnáthphá, suas go dtí an t-uasmhéid inárachaithe.","Freelancers in liberal professions deduct a statutory 25% for expenses and pay 10% tax on the rest after contributions. Contributions of 27.8% (pension and health; sickness and maternity optional) are due on a chosen income between €620.20 and €2,300 a month; here it follows your profit.":"Baineann na gairmeacha saora 25% caighdeánach as costais agus íocann siad 10% cáin ar an gcuid eile tar éis ranníocaíochtaí. Bíonn ranníocaíochtaí 27.8% (pinsean agus sláinte; breoiteacht agus máithreachas roghnach) dlite ar ioncam roghnaithe idir €620.20 agus €2,300 sa mhí; anseo leanann sé do bhrabús.","State pension":"Pinsean stáit","The pension is your average insurable income (relative to the national average) × years of service × 1.35%; each year worked after reaching the right adds 4%. In 2026 women need age 62 years 6 months and 36 years 10 months of service, men 64 years 9 months and 39 years 10 months; ages rise to 65 (men 2029, women 2037). Without enough service, the pension starts at 67 with 15 years.":"Is é an pinsean do mheánioncam árachaithe (i gcomparáid leis an meán náisiúnta) × blianta seirbhíse × 1.35%; cuireann gach bliain oibre tar éis an ceart a bhaint amach 4% leis. In 2026 teastaíonn aois 62 bliana agus 6 mhí agus 36 bliana agus 10 mí seirbhíse ó mhná, agus 64 bliana agus 9 mí agus 39 bliana agus 10 mí ó fhir; ardaíonn an aois go 65 (fir 2029, mná 2037). Gan dóthain seirbhíse, tosaíonn an pinsean ag 67 le 15 bliana.","Limits and the second pillar":"Teorainneacha agus an dara colún","Minimum pension €347.51 from 1 July 2026 (€295.38 with incomplete service), maximum €1,738.40. People born from 1960 also save 5% in a universal pension fund (UPF); their state pension is reduced for those years and the fund pays a separate pension. Pensions are not taxed.":"Íospinsean €347.51 ón 1 Iúil 2026 (€295.38 le seirbhís neamhiomlán), uaspinsean €1,738.40. Sábhálann daoine a rugadh ó 1960 5% freisin i gciste pinsin uilíoch (UPF); laghdaítear a bpinsean stáit do na blianta sin agus íocann an ciste pinsean ar leith. Ní ghearrtar cáin ar phinsin.","Voluntary pension fund (third pillar): contributions are deductible up to 10% of taxable income; payouts as a pension from retirement age are not taxed. Money taken out early loses the relief.":"Ciste pinsin deonach (an tríú colún): is féidir ranníocaíochtaí a asbhaint suas go 10% den ioncam inchánach; ní ghearrtar cáin ar íocaíochtaí mar phinsean ó aois an scoir. Cailltear an faoiseamh má tharraingítear an t-airgead go luath.","St George’s Day":"Lá San Seoirse","Day of Culture and Slavonic Alphabet":"Lá an Chultúir agus na hAibítre Slavacha","Unification Day":"Lá an Aontaithe","Christmas Eve":"Oíche Nollag","Second day of Christmas":"An dara lá Nollag","Good Friday (Orthodox)":"Aoine an Chéasta (Cheartchreidmheach)","Holy Saturday":"Satharn Cásca","At least 20 working days of paid annual leave (more for some jobs and for people with disabilities). Public holidays follow the Orthodox Easter; a holiday on a weekend moves to the next working day.":"20 lá oibre ar a laghad de shaoire bhliantúil íoctha (níos mó do roinnt post agus do dhaoine faoi mhíchumas). Leanann na laethanta saoire poiblí an Cháisc Cheartchreidmheach; bogtar lá saoire ag an deireadh seachtaine go dtí an chéad lá oibre eile.","Pregnancy and birth leave":"Saoire toirchis agus breithe","410 days (45 before the birth)":"410 lá (45 roimh an mbreith)","90% of your average insurable income (NOI)":"90% de do mheánioncam árachaithe (NOI)","Child-raising leave until age 2":"Saoire tógála linbh go 2 bhliain d’aois","After the 410 days, until the child turns 2":"Tar éis na 410 lá, go dtí go mbíonn an leanbh 2 bhliain d’aois","Fixed monthly benefit (NOI)":"Sochar seasta míosúil (NOI)","15 days from the birth; up to 2 months more after the child is 6 months old":"15 lá ón mbreith; suas le 2 mhí eile nuair a bhíonn an leanbh 6 mhí d’aois","90% of average insurable income":"90% den mheánioncam árachaithe","First 3 days paid by the employer, then by NOI":"Íocann an fostóir an chéad 3 lá, ansin an NOI","70%, then 80% of average insurable income":"70%, ansin 80% den mheánioncam árachaithe","Dismissed: closure or staff cuts":"Briste as post: dúnadh nó laghdú foirne","Ending at retirement age":"Deireadh ag aois an scoir","Notice and compensation":"Fógra agus cúiteamh","An indefinite contract ends with 30 days’ notice (up to 3 months by agreement); notice not given is paid. After dismissal for closure or staff cuts the employer pays up to one month’s pay while you are unemployed. On leaving at retirement age you get 2 months’ pay, or 6 months with 10 years at the same employer. Unused leave is paid.":"Críochnaíonn conradh gan téarma le 30 lá fógra (suas go 3 mhí trí chomhaontú); íoctar fógra nach dtugtar. Tar éis briseadh as post de bharr dúnta nó laghdaithe foirne, íocann an fostóir suas le pá míosa fad atá tú dífhostaithe. Ag fágáil ag aois an scoir faigheann tú pá 2 mhí, nó 6 mhí le 10 mbliana leis an bhfostóir céanna. Íoctar saoire neamhúsáidte.","60% of your average daily insurable income over the last 24 months, within a daily minimum and maximum set each year (about €9.21 and €54.78 in 2026), for 4 to 12 months depending on years insured. After resigning you get only the minimum for 4 months.":"60% de do mheánioncam árachaithe laethúil le 24 mhí anuas, laistigh d’íosmhéid agus uasmhéid laethúil a shocraítear gach bliain (thart ar €9.21 agus €54.78 in 2026), ar feadh 4 go 12 mhí ag brath ar na blianta árachaithe. Tar éis éirí as ní fhaigheann tú ach an t-íosmhéid ar feadh 4 mhí.","Contributions stop above €2,300 a month, so on a higher salary only the 10% tax applies to the extra.":"Stopann ranníocaíochtaí os cionn €2,300 sa mhí, mar sin ar thuarastal níos airde ní bhaineann ach an cháin 10% leis an mbreis.","Tax relief for children and monthly child benefits (income-tested) are not included. Bulgaria taxes each person separately.":"Ní áirítear faoiseamh cánach do leanaí ná sochair leanaí míosúla (faoi réir ioncaim). Gearrann an Bhulgáir cáin ar gach duine ar leith.","Notice in lieu + 1 month while unemployed":"Fógra ina ionad + 1 mhí fad atá tú dífhostaithe","410 days at 90% of pay, then a fixed benefit to age 2":"410 lá ag 90% den phá, ansin sochar seasta go 2 bhliain d’aois","15 days at 90% (+2 months later)":"15 lá ag 90% (+2 mhí níos déanaí)","Until age 2 with a fixed benefit":"Go 2 bhliain d’aois le sochar seasta","70% for 3 days, then 80% (NOI)":"70% ar feadh 3 lá, ansin 80% (NOI)","Annual tax and contributions for one employee with the 2026 rates, using the €2,300 contribution ceiling that applies from August. Child tax relief, other deductions and the work-accident rate of your employer are not modelled.":"Cáin agus ranníocaíochtaí bliantúla d’fhostaí amháin le rátaí 2026, ag úsáid an uasteorainn ranníocaíochta €2,300 a bhaineann ó Lúnasa. Ní ríomhtar faoiseamh cánach do leanaí, asbhaintí eile ná ráta tionóiscí oibre d’fhostóra.","Official sources: National Social Security Institute (NOI: contribution table, pension rules, average insurable income), National Revenue Agency, Labour Code, Council of Ministers Decree 243/2025 (minimum wage), Bulgarian National Bank, Eurostat.":"Foinsí oifigiúla: an Institiúid Náisiúnta Slándála Sóisialta (NOI: tábla ranníocaíochtaí, rialacha pinsin, meánioncam árachaithe), an Ghníomhaireacht Náisiúnta Ioncaim, an Cód Saothair, Foraithne 243/2025 de Chomhairle na nAirí (íosphá), Banc Náisiúnta na Bulgáire, Eurostat.","Employee contributions on €2,000 a month":"Ranníocaíochtaí fostaí ar €2,000 sa mhí","Maximum monthly employee contributions (from August 2026)":"Uasranníocaíochtaí míosúla fostaí (ó Lúnasa 2026)","Income tax on €2,000 a month":"Cáin ioncaim ar €2,000 sa mhí","Minimum pension from 1 July 2026":"Íospinsean ón 1 Iúil 2026","Pension, man, 40 years, average insurable income €1,000 (no UPF)":"Pinsean, fear, 40 bliain, meánioncam árachaithe €1,000 (gan UPF)","Women’s pension age in 2026 (years)":"Aois phinsin na mban in 2026 (blianta)","Unemployment insurance 1.6%":"Árachas dífhostaíochta 1.6%","Income tax 22%":"Cáin ioncaim 22%","Basic exemption (€700 a month)":"Díolúine bhunúsach (€700 sa mhí)","Employer social tax 33% + unemployment 0.8%":"Cáin shóisialta an fhostóra 33% + dífhostaíocht 0.8%","Social tax 33% (sole proprietor)":"Cáin shóisialta 33% (trádálaí aonair)","Redundancy compensation from the employer (1 month)":"Cúiteamh iomarcaíochta ón bhfostóir (1 mhí)","Employment Contracts Act § 97":"An tAcht um Chonarthaí Fostaíochta § 97","Estonia":"An Eastóin","Funded pension (II pillar)":"Pinsean maoinithe (an II colún)","Left the II pillar":"Tar éis an II colún a fhágáil","My employer applies my basic exemption":"Cuireann m’fhostóir mo dhíolúine bhunúsach i bhfeidhm","A flat 22% (the planned rise to 24% was cancelled). Everyone has a basic exemption of €700 a month (€8,400 a year), no longer reduced for higher incomes; €776 a month at pension age. Only one employer applies it, on your written application.":"Cáin chothrom 22% (cuireadh an t-ardú beartaithe go 24% ar ceal). Tá díolúine bhunúsach €700 sa mhí (€8,400 sa bhliain) ag gach duine, nach laghdaítear a thuilleadh d’ioncaim níos airde; €776 sa mhí ag aois an phinsin. Ní chuireann ach fostóir amháin i bhfeidhm í, ar d’iarratas scríofa.","Employees pay 1.6% unemployment insurance and 2% to the funded pension (4% or 6% by choice, or none after leaving the second pillar). Employers pay 33% social tax (pension and health) and 0.8% unemployment insurance. Minimum wage €946 a month from 1 April 2026.":"Íocann fostaithe 1.6% árachas dífhostaíochta agus 2% leis an bpinsean maoinithe (4% nó 6% de rogha, nó dada tar éis an dara colún a fhágáil). Íocann fostóirí 33% cáin shóisialta (pinsean agus sláinte) agus 0.8% árachas dífhostaíochta. Íosphá €946 sa mhí ón 1 Aibreán 2026.","Employment Contracts Act":"An tAcht um Chonarthaí Fostaíochta","Overtime is paid at 1.5 times the hourly wage unless compensated with time off; night work (22:00–06:00) pays at least 25% extra and public-holiday work double. Working time may not exceed 48 hours a week on average over 4 months.":"Íoctar ragobair ag 1.5 oiread an phá in aghaidh na huaire mura gcúitítear í le saoire; íoctar obair oíche (22:00–06:00) le 25% breise ar a laghad agus obair ar laethanta saoire poiblí faoi dhó. Ní féidir le ham oibre dul thar 48 uair sa tseachtain ar an meán thar 4 mhí.","48 h / week on average":"48 uair / seachtain ar an meán","Sole proprietor (FIE)":"Trádálaí aonair (FIE)","Business profit pays 33% social tax (at least €292.38 a month) and 22% income tax after the basic exemption; social tax is deductible. An entrepreneur account (5% on turnover up to €40,000) is an alternative for small businesses and is not modelled.":"Íoctar 33% cáin shóisialta (€292.38 sa mhí ar a laghad) agus 22% cáin ioncaim tar éis na díolúine bunúsaí ar an mbrabús; is féidir an cháin shóisialta a asbhaint. Is rogha eile do ghnólachtaí beaga é cuntas fiontraí (5% ar láimhdeachas suas go €40,000) agus ní ríomhtar é.","Base part €399.24 plus €10.477 for each year of service before 1999 and for each insurance component since (one component = social tax on an average wage for a year; from 2021 half of it is the same for everyone who earned at least the minimum wage). Values rise every 1 April.":"Cuid bhunúsach €399.24 móide €10.477 do gach bliain seirbhíse roimh 1999 agus do gach comhpháirt árachais ó shin (comhpháirt amháin = cáin shóisialta ar mheánphá ar feadh bliana; ó 2021 is ionann leath de do gach duine a thuill an t-íosphá ar a laghad). Ardaíonn na suimeanna gach 1 Aibreán.","Age and tax":"Aois agus cáin","Pension age is 65 in 2026 and is linked to life expectancy from 2027. You need 15 years of service. A flexible pension can start up to 5 years early (−0.4% a month) or later (+0.9% a month). Pensions are taxed at 22% above €776 a month.":"Is é 65 aois an phinsin in 2026 agus beidh sí nasctha le hionchas saoil ó 2027. Teastaíonn 15 bliana seirbhíse. Is féidir le pinsean solúbtha tosú suas le 5 bliana níos luaithe (−0.4% sa mhí) nó níos déanaí (+0.9% sa mhí). Gearrtar cáin 22% ar phinsin os cionn €776 sa mhí.","Voluntary third pillar: contributions are deductible up to 15% of income (max €6,000 a year). Withdrawals from age 60 are taxed at 10% (or tax-free as a lifelong annuity); earlier withdrawals at 22%.":"An tríú colún deonach: is féidir ranníocaíochtaí a asbhaint suas go 15% den ioncam (uasmhéid €6,000 sa bhliain). Gearrtar 10% ar tharraingtí ó aois 60 (nó saor ó cháin mar bhlianacht saoil); tarraingtí níos luaithe ag 22%.","Spring Day":"Lá an Earraigh","Pentecost":"An Chincís","Day of Restoration of Independence":"Lá Athbhunaithe an Neamhspleáchais","28 calendar days of paid annual leave (about 20 working days); public holidays falling within the leave extend it. The day before Independence Day, Victory Day, Christmas Eve and New Year’s Day is 3 hours shorter.":"28 lá féilire de shaoire bhliantúil íoctha (thart ar 20 lá oibre); cuireann laethanta saoire poiblí le linn na saoire léi. Bíonn an lá roimh Lá an Neamhspleáchais, Lá an Bhua, Oíche Nollag agus Lá Caille 3 huaire níos giorra.","Pregnancy and parental leave":"Saoire toirchis agus tuismitheora","100 days for the mother, then 475 days of parental benefit shared until the child is 3":"100 lá don mháthair, ansin 475 lá de shochar tuismitheora le roinnt go dtí go mbíonn an leanbh 3 bliana","100% of average earnings (capped at 3 times the average wage)":"100% den mheántuilleamh (suas go 3 oiread an mheánphá)","30 days, any time until the child is 3":"30 lá, am ar bith go dtí go mbíonn an leanbh 3 bliana","100% of average earnings":"100% den mheántuilleamh","Child leave":"Saoire linbh","10 working days per parent until the child is 14":"10 lá oibre an tuismitheoir go dtí go mbíonn an leanbh 14 bliana","Paid at the minimum wage":"Íoctha ag an íosphá","The first day is unpaid; then the employer pays and later the Health Insurance Fund":"Ní íoctar an chéad lá; ansin íocann an fostóir agus níos déanaí an Ciste Árachais Sláinte","70% of average earnings":"70% den mheántuilleamh","Made redundant (lay-off)":"Déanta iomarcach (briseadh as post)","On redundancy the employer gives 15 days’ notice (under 1 year), 30 days (1–5 years), 60 days (5–10) or 90 days (10+), or pays for the missing days, and pays one month’s average wage as compensation. The Unemployment Insurance Fund adds one month for 5–10 years with the employer and two months for 10 or more.":"In iomarcaíocht tugann an fostóir 15 lá fógra (faoi bhliain), 30 lá (1–5 bliana), 60 lá (5–10) nó 90 lá (10+), nó íocann sé as na laethanta atá in easnamh, agus íocann sé meánphá míosa amháin mar chúiteamh. Cuireann an Ciste Árachais Dífhostaíochta mí amháin leis do 5–10 mbliana leis an bhfostóir agus dhá mhí do 10 mbliana nó níos mó.","Unemployment insurance benefit":"Sochar árachais dífhostaíochta","After at least 12 months of contributions in 3 years: 60% of your previous average daily wage for the first 100 days and 40% after, for 180 days (270 with 56 months of contributions, 360 with 110). It is taxable. People who resign get only the lower flat unemployment allowance.":"Tar éis 12 mhí ranníocaíochtaí ar a laghad i 3 bliana: 60% de do mheánphá laethúil roimhe seo don chéad 100 lá agus 40% ina dhiaidh sin, ar feadh 180 lá (270 le 56 mhí ranníocaíochtaí, 360 le 110). Gearrtar cáin air. Ní fhaigheann daoine a éiríonn as ach an liúntas dífhostaíochta cothrom níos ísle.","Without an application, your employer withholds tax from the first euro; you get the €700 monthly exemption back in your annual return.":"Gan iarratas, coinníonn d’fhostóir cáin ón gcéad euro; faigheann tú an díolúine €700 sa mhí ar ais i do thuairisceán bliantúil.","Child allowances from the Social Insurance Board are not included. Estonia taxes each person separately.":"Ní áirítear liúntais leanaí ó Bhord an Árachais Shóisialta. Gearrann an Eastóin cáin ar gach duine ar leith.","Redundancy compensation":"Cúiteamh iomarcaíochta","100 days + 475 days shared at 100% of pay":"100 lá + 475 lá roinnte ag 100% den phá","30 days at 100%":"30 lá ag 100%","475 days shared until age 3":"475 lá roinnte go 3 bliana d’aois","Day 1 unpaid, then 70%":"Lá 1 gan phá, ansin 70%","Annual tax for one employee whose employer applies the basic exemption, with the 2026 rates. Additional deductions (training, mortgage interest, donations) and family benefits are not modelled; employer social tax at the minimum base is ignored.":"Cáin bhliantúil d’fhostaí amháin a gcuireann a fhostóir an díolúine bhunúsach i bhfeidhm dó, le rátaí 2026. Ní ríomhtar asbhaintí breise (oiliúint, ús morgáiste, síntiúis) ná sochair teaghlaigh; déantar neamhaird de cháin shóisialta an fhostóra ar an mbonn íosta.","Official sources: Estonian Tax and Customs Board (EMTA tax rates 2026), Social Insurance Board (pension calculation, 1 April 2026 values), Unemployment Insurance Fund (Töötukassa), Employment Contracts Act, Statistics Estonia (average wage 2025), Eesti Pank, Eurostat.":"Foinsí oifigiúla: Bord Cánach agus Custaim na hEastóine (EMTA, rátaí 2026), Bord an Árachais Shóisialta (ríomh pinsin, luachanna an 1 Aibreán 2026), an Ciste Árachais Dífhostaíochta (Töötukassa), an tAcht um Chonarthaí Fostaíochta, Staitisticí na hEastóine (meánphá 2025), Eesti Pank, Eurostat.","Income tax on €2,000 a month (2% funded pension)":"Cáin ioncaim ar €2,000 sa mhí (2% pinsean maoinithe)","Basic exemption per year":"Díolúine bhunúsach in aghaidh na bliana","Employee unemployment insurance on €2,000 a month":"Árachas dífhostaíochta fostaí ar €2,000 sa mhí","Pension with 40 average-wage years at 65 (per month)":"Pinsean le 40 bliain ar mheánphá ag 65 (sa mhí)","Notice for 7 years of service (days)":"Fógra do 7 mbliana seirbhíse (laethanta)","Social insurance 7.1% (pension 6.5% + sickness 0.6%)":"Árachas sóisialta 7.1% (pinsean 6.5% + breoiteacht 0.6%)","Health insurance 4.5%":"Árachas sláinte 4.5%","Child tax bonus paid to you":"Bónas cánach leanaí a íoctar leat","Income tax 15% / 23% after credits":"Cáin ioncaim 15% / 23% tar éis creidmheasanna","Taxpayer credit":"Creidmheas an cháiníocóra","Child tax credits":"Creidmheasanna cánach do leanaí","Employer contributions 24.8% + 9% health":"Ranníocaíochtaí fostóra 24.8% + 9% sláinte","Social 29.2% + health 13.5% (self-employed)":"Sóisialta 29.2% + sláinte 13.5% (féinfhostaithe)","2 months":"2 mhí","minimum notice period (Labour Code § 51)":"tréimhse íosta fógra (an Cód Saothair § 51)","None (by agreement)":"Dada (trí chomhaontú)","Severance pay":"Pá iomarcaíochta","Czechia":"An tSeicia","15% on gross pay up to CZK 1,762,812 a year (36 times the average wage) and 23% above, less the taxpayer credit of CZK 30,840. Child credits are CZK 15,204 for the first child, 22,320 for the second and 27,840 for each further child; above the tax they are paid out as a bonus.":"15% ar ollphá suas go CZK 1,762,812 sa bhliain (36 oiread an mheánphá) agus 23% os a chionn, lúide creidmheas an cháiníocóra CZK 30,840. Is iad creidmheasanna leanaí CZK 15,204 don chéad leanbh, 22,320 don dara ceann agus 27,840 do gach leanbh eile; os cionn na cánach íoctar iad mar bhónas.","Insurance":"Árachas","Employees pay 7.1% social insurance (up to CZK 2,350,416 a year) and 4.5% health insurance (no cap); employers pay 24.8% and 9%. Average wage for 2026: CZK 48,967; minimum wage CZK 22,400.":"Íocann fostaithe 7.1% árachas sóisialta (suas go CZK 2,350,416 sa bhliain) agus 4.5% árachas sláinte (gan uasteorainn); íocann fostóirí 24.8% agus 9%. Meánphá 2026: CZK 48,967; íosphá CZK 22,400.","Overtime pays at least 25% extra (or time off); night work at least 10% and weekend work at least 10% extra; public-holiday work 100% or a day off. Ordered overtime is limited to 150 hours a year (416 by agreement).":"Íoctar ragobair le 25% breise ar a laghad (nó saoire); obair oíche le 10% ar a laghad agus obair deireadh seachtaine le 10% breise ar a laghad; obair ar laethanta saoire poiblí le 100% nó lá saor. Tá teorainn 150 uair sa bhliain le ragobair ordaithe (416 trí chomhaontú).","150 h / year ordered":"150 uair / bliain ordaithe","Self-employed (OSVČ)":"Féinfhostaithe (OSVČ)","Profit (income less actual or flat-rate expenses of 40–80%) is taxed at 15% / 23% less the taxpayer credit. Social insurance is 29.2% of 55% of profit (at least CZK 5,720 a month for a main activity) and health insurance 13.5% of 50% of profit (minimum based on half the average wage). A flat-tax regime (paušální daň) is an alternative and is not modelled.":"Gearrtar 15% / 23% ar an mbrabús (ioncam lúide costais iarbhír nó chothroma 40–80%) lúide creidmheas an cháiníocóra. Is é an t-árachas sóisialta 29.2% de 55% den bhrabús (CZK 5,720 sa mhí ar a laghad do phríomhghníomhaíocht) agus an t-árachas sláinte 13.5% de 50% den bhrabús (íosmhéid bunaithe ar leath an mheánphá). Is rogha eile é córas cánach cothroime (paušální daň) agus ní ríomhtar é.","Basic amount CZK 4,900 plus a percentage amount: your average earnings are reduced (99% up to CZK 21,546, 26% up to CZK 195,868, nothing above) and each year of insurance adds 1.495% (pensions awarded in 2026; falling to 1.45% and 90% by 2035). Minimum pension CZK 9,800. Pensions rise each January.":"Bunmhéid CZK 4,900 móide méid céatadáin: laghdaítear do mheántuilleamh (99% suas go CZK 21,546, 26% suas go CZK 195,868, dada os a chionn) agus cuireann gach bliain árachais 1.495% leis (pinsin a bronnadh in 2026; ag titim go 1.45% agus 90% faoi 2035). Íospinsean CZK 9,800. Ardaíonn pinsin gach Eanáir.","Age and years":"Aois agus blianta","You need 35 years of insurance. Pension age is 65 for people born up to 1965 and rises by one month per birth year to 67 for those born from 1989. An early pension is possible up to 3 years before with 40 years (reduced 1.5% of the base per 90 days); each 90 days worked after the age adds 1.5%.":"Teastaíonn 35 bliana árachais. Is é 65 aois an phinsin do dhaoine a rugadh suas go 1965 agus ardaíonn sí mí amháin in aghaidh na bliana breithe go 67 dóibh siúd a rugadh ó 1989. Is féidir pinsean luath a fháil suas le 3 bliana roimhe le 40 bliain (laghdaithe 1.5% den bhonn in aghaidh gach 90 lá); cuireann gach 90 lá oibre tar éis na haoise 1.5% leis.","Supplementary pension savings (doplňkové penzijní spoření): the state adds 20% of monthly contributions between CZK 500 and 1,700, and contributions above that are tax-deductible. A pension paid for at least 10 years is tax-free; a lump sum pays 15% on the returns (shown here as about 5% of the balance).":"Coigilteas pinsin breise (doplňkové penzijní spoření): cuireann an stát 20% leis na ranníocaíochtaí míosúla idir CZK 500 agus 1,700, agus is féidir ranníocaíochtaí os a chionn sin a asbhaint. Tá pinsean a íoctar ar feadh 10 mbliana ar a laghad saor ó cháin; íocann cnapshuim 15% ar na torthaí (anseo thart ar 5% den iarmhéid).","New Year’s Day / Restoration of the Czech State":"Lá Caille / Athbhunú Stát na Seice","Saints Cyril and Methodius":"Naoimh Cirillus agus Methodius","Jan Hus Day":"Lá Jan Hus","Czech Statehood Day":"Lá Stáit na Seice","Freedom and Democracy Day":"Lá na Troda ar son na Saoirse agus an Daonlathais","At least 4 weeks of paid annual leave (5 weeks in the public sector, often 5 by collective agreement). Leave is counted in hours since 2021. Public holidays on a weekend are not moved.":"4 seachtaine ar a laghad de shaoire bhliantúil íoctha (5 seachtaine san earnáil phoiblí, go minic 5 trí chomhaontú comhchoiteann). Comhairtear saoire in uaireanta ó 2021. Ní bhogtar laethanta saoire poiblí ag an deireadh seachtaine.","28 weeks (37 for twins), from 6–8 weeks before the birth":"28 seachtaine (37 do chúpla), ó 6–8 seachtaine roimh an mbreith","70% of the reduced daily assessment base (ČSSZ)":"70% den bhonn laethúil laghdaithe (ČSSZ)","2 weeks within 6 weeks of the birth":"2 sheachtain laistigh de 6 seachtaine ón mbreith","70% of the reduced daily base":"70% den bhonn laethúil laghdaithe","Parental leave and allowance":"Saoire agus liúntas tuismitheora","Until the child is 3; parental allowance up to CZK 350,000 in total, paid at a chosen pace":"Go dtí go mbíonn an leanbh 3 bliana; liúntas tuismitheora suas go CZK 350,000 san iomlán, ag luas roghnaithe","Job protected":"Post faoi chosaint","First 14 days paid by the employer, then sickness benefit from ČSSZ":"Íocann an fostóir an chéad 14 lá, ansin sochar breoiteachta ón ČSSZ","60% of reduced average earnings, rising to 72% after 60 days":"60% den mheántuilleamh laghdaithe, ag ardú go 72% tar éis 60 lá","Dismissed for organisational reasons":"Briste as post ar chúiseanna eagraíochtúla","Ended by agreement for organisational reasons":"Críochnaithe trí chomhaontú ar chúiseanna eagraíochtúla","Notice and severance":"Fógra agus pá iomarcaíochta","The notice period is at least 2 months for both sides. On dismissal or agreement for organisational reasons, severance pay is one month’s average earnings with under 1 year of service, two months with 1–2 years and three months with 2 years or more (more by collective agreement). Severance is taxed but free of insurance.":"Is é 2 mhí ar a laghad an tréimhse fógra don dá thaobh. Nuair a bhristear duine as post nó nuair a chomhaontaítear ar chúiseanna eagraíochtúla, is é an pá iomarcaíochta meántuilleamh míosa amháin le níos lú ná bliain seirbhíse, dhá mhí le 1–2 bhliain agus trí mhí le 2 bhliain nó níos mó (níos mó trí chomhaontú comhchoiteann). Gearrtar cáin ar an bpá iomarcaíochta ach tá sé saor ó árachas.","Unemployment benefit (from 2026)":"Sochar dífhostaíochta (ó 2026)","80% of your previous average net earnings at first, then 50% and finally 40%: 5 months under 52, 8 months at 52–57 and 11 months over 57; at most 80% of the national average wage. The amount no longer depends on why the job ended; payments start after the months covered by severance. Benefits are tax-free.":"Ar dtús 80% de do mheántuilleamh glan roimhe seo, ansin 50% agus ar deireadh 40%: 5 mhí faoi 52, 8 mí ag 52–57 agus 11 mhí os cionn 57; 80% den mheánphá náisiúnta ar a mhéad. Ní bhraitheann an tsuim a thuilleadh ar an gcúis ar chríochnaigh an post; tosaíonn na híocaíochtaí tar éis na míonna a chlúdaíonn an pá iomarcaíochta. Tá na sochair saor ó cháin.","A spouse with income under CZK 68,000 a year and a child under 3 gives an extra CZK 24,840 credit (not modelled).":"Tugann céile a bhfuil ioncam faoi CZK 68,000 sa bhliain aige agus leanbh faoi 3 bliana creidmheas breise CZK 24,840 (ní ríomhtar é).","Child tax credits are included in the tax above. Spouses file separately.":"Áirítear creidmheasanna cánach leanaí sa cháin thuas. Déanann céilí tuairisceáin ar leith.","28 weeks at 70% of reduced pay":"28 seachtaine ag 70% den phá laghdaithe","2 weeks at 70%":"2 sheachtain ag 70%","Until age 3, allowance up to CZK 350,000":"Go 3 bliana, liúntas suas go CZK 350,000","60% from day 1 (employer for 14 days)":"60% ón gcéad lá (an fostóir ar feadh 14 lá)","Annual tax for one employee with the 2026 rates, the taxpayer credit and child credits. The spouse credit, student and disability credits, and other deductions (mortgage interest, donations, unions) are not modelled.":"Cáin bhliantúil d’fhostaí amháin le rátaí 2026, creidmheas an cháiníocóra agus creidmheasanna leanaí. Ní ríomhtar creidmheas an chéile, creidmheasanna mac léinn agus míchumais, ná asbhaintí eile (ús morgáiste, síntiúis, ceardchumainn).","Official sources: Czech Social Security Administration (ČSSZ overview of 2026 figures), Labour Office of the Czech Republic (unemployment benefit changes from 1 January 2026), Ministry of Labour and Social Affairs, Financial Administration, Czech National Bank, Eurostat.":"Foinsí oifigiúla: Riarachán Slándála Sóisialta na Seice (ČSSZ, figiúirí 2026), Oifig Saothair Phoblacht na Seice (athruithe ar shochar dífhostaíochta ón 1 Eanáir 2026), an Aireacht Saothair agus Gnóthaí Sóisialta, an Riarachán Airgeadais, Banc Náisiúnta na Seice, Eurostat.","Income tax on CZK 50,000 a month, no children":"Cáin ioncaim ar CZK 50,000 sa mhí, gan leanaí","Employee insurance on CZK 50,000 a month":"Árachas fostaí ar CZK 50,000 sa mhí","23% threshold for 2026 (per year)":"Tairseach 23% do 2026 (in aghaidh na bliana)","Pension, 40 years, average earnings CZK 40,000 (awarded 2026)":"Pinsean, 40 bliain, meántuilleamh CZK 40,000 (bronnta 2026)","Minimum old-age pension 2026":"Íospinsean seanaoise 2026","Severance after 5 years (months of pay)":"Pá iomarcaíochta tar éis 5 bliana (pá míosa)","Minimum monthly social insurance advance, main activity":"Íosréamhíocaíocht mhíosúil árachais shóisialta, príomhghníomhaíocht","Social security 18.5% (pension 10%, health 7%, labour market 1.5%)":"Slándáil shóisialta 18.5% (pinsean 10%, sláinte 7%, margadh saothair 1.5%)","Family allowance used against contributions":"Liúntas teaghlaigh a úsáidtear in aghaidh ranníocaíochtaí","Personal income tax 15%":"Cáin ioncaim phearsanta 15%","Family tax allowance (base reduction)":"Liúntas cánach teaghlaigh (laghdú boinn)","Employer social contribution tax 13%":"Cáin ranníocaíochta sóisialta an fhostóra 13%","Social security 18.5% + social contribution tax 13%":"Slándáil shóisialta 18.5% + cáin ranníocaíochta sóisialta 13%","Labour Code § 69":"An Cód Saothair § 69","Hungary":"An Ungáir","Mothers’ income-tax exemption":"Díolúine cánach ioncaim do mháithreacha","Not applicable":"Ní bhaineann","Mother of 2 children, born 1986 or later":"Máthair 2 leanbh, a rugadh in 1986 nó ina dhiaidh","Mother of 3 or more children":"Máthair 3 leanbh nó níos mó","Income tax and allowances":"Cáin ioncaim agus liúntais","A flat 15%. The family allowance reduces the tax base per child each month by HUF 133,340 (1 child), 266,660 each (2 children) or 440,000 each (3 or more) in 2026; whatever cannot be used against tax reduces your contributions. People under 25 pay no income tax on pay up to HUF 715,765 a month, and mothers of three (from October 2025) or of two born from 1986 (from 2026) pay none at all.":"Cáin chothrom 15%. Laghdaíonn an liúntas teaghlaigh an bonn inchánach in aghaidh an linbh gach mí faoi HUF 133,340 (1 leanbh), 266,660 an duine (2 leanbh) nó 440,000 an duine (3 nó níos mó) in 2026; laghdaíonn an méid nach féidir a úsáid in aghaidh na cánach do ranníocaíochtaí. Ní íocann daoine faoi 25 aon cháin ioncaim ar phá suas go HUF 715,765 sa mhí, agus ní íocann máithreacha triúir (ó Dheireadh Fómhair 2025) nó beirte a rugadh ó 1986 (ó 2026) aon cháin.","Employees pay 18.5% social security (10% pension, 7% health, 1.5% labour market) with no ceiling; employers pay 13% social contribution tax. Minimum wage HUF 322,800 and guaranteed minimum wage HUF 373,200 a month in 2026.":"Íocann fostaithe 18.5% slándáil shóisialta (10% pinsean, 7% sláinte, 1.5% margadh saothair) gan uasteorainn; íocann fostóirí 13% cáin ranníocaíochta sóisialta. Íosphá HUF 322,800 agus íosphá ráthaithe HUF 373,200 sa mhí in 2026.","Overtime pays 50% extra (or time off), 100% on a rest day without a day off in lieu; shift work after 18:00 pays 30% and night work 15% extra. Overtime is limited to 250 hours a year (up to 400 by agreement).":"Íoctar ragobair le 50% breise (nó saoire), 100% ar lá scíthe gan lá saor ina ionad; obair seala tar éis 18:00 le 30% agus obair oíche le 15% breise. Tá teorainn 250 uair sa bhliain le ragobair (suas go 400 trí chomhaontú).","Flat-rate sole trader (átalányadó)":"Trádálaí aonair le cáin chothrom (átalányadó)","Income is revenue less a flat 40% cost ratio (80–90% for some trades and shops); income up to half the annual minimum wage is free of tax and contributions. Then 15% income tax, 18.5% social security (at least on the minimum wage) and 13% social contribution tax (at least on 112.5% of it).":"Is é an t-ioncam an láimhdeachas lúide cóimheas costais cothrom 40% (80–90% do roinnt ceirdeanna agus siopaí); tá ioncam suas go leath an íosphá bhliantúil saor ó cháin agus ranníocaíochtaí. Ansin 15% cáin ioncaim, 18.5% slándáil shóisialta (ar an íosphá ar a laghad) agus 13% cáin ranníocaíochta sóisialta (ar 112.5% de ar a laghad).","From age 65. The pension is a percentage of your net average monthly earnings since 1988 (revalued): 43% for 15 years, 53% for 20, 63% for 25, 68% for 30, 74% for 36, 80% for 40 and 2% more for each further year. The part of the average above HUF 372,000 counts at 90% and above 421,000 at 80%. Minimum HUF 28,500.":"Ó aois 65. Is céatadán é an pinsean de do mheántuilleamh glan míosúil ó 1988 (athluacháilte): 43% do 15 bliana, 53% do 20, 63% do 25, 68% do 30, 74% do 36, 80% do 40 agus 2% breise do gach bliain eile. Comhairtear an chuid den mheán os cionn HUF 372,000 ag 90% agus os cionn 421,000 ag 80%. Íosmhéid HUF 28,500.","Pensions rise each January with expected inflation and a 13th monthly pension is paid in February. Women with 40 years of eligible time can retire at any age. Working beyond 65 without drawing the pension adds 0.5% a month. Pensions are not taxed.":"Ardaíonn pinsin gach Eanáir leis an mboilsciú a mheastar agus íoctar 13ú pinsean míosúil i mí Feabhra. Is féidir le mná a bhfuil 40 bliain d’am incháilithe acu scor ag aois ar bith. Cuireann obair tar éis 65 gan an pinsean a tharraingt 0.5% sa mhí leis. Ní ghearrtar cáin ar phinsin.","Voluntary pension fund (önkéntes nyugdíjpénztár): the state refunds 20% of contributions into the account (up to HUF 150,000 a year). Money taken at retirement age is tax-free; earlier withdrawals lose the credit.":"Ciste pinsin deonach (önkéntes nyugdíjpénztár): aisíocann an stát 20% de na ranníocaíochtaí isteach sa chuntas (suas go HUF 150,000 sa bhliain). Tá airgead a thógtar ag aois an scoir saor ó cháin; cailleann tarraingtí luatha an creidmheas.","National Day (1848 revolution)":"Lá Náisiúnta (réabhlóid 1848)","1956 Revolution Day":"Lá Réabhlóid 1956","20 working days of basic leave plus extra days by age (1 day from 25 rising to 10 days from 45), 2/4/7 days for 1/2/3+ children under 16, and 5 days for young workers under 18. Some bridge days are worked on a Saturday instead.":"20 lá oibre de bhunsaoire móide laethanta breise de réir aoise (1 lá ó 25 ag ardú go 10 lá ó 45), 2/4/7 lá do 1/2/3+ leanbh faoi 16, agus 5 lá d’oibrithe óga faoi 18. Oibrítear roinnt laethanta droichid ar an Satharn ina n-ionad.","Maternity leave (CSED)":"Saoire mháithreachais (CSED)","24 weeks":"24 seachtaine","100% of average daily earnings":"100% den mheántuilleamh laethúil","Childcare fee (GYED)":"Táille cúraim leanaí (GYED)","After the 24 weeks until the child is 2":"Tar éis na 24 seachtaine go dtí go mbíonn an leanbh 2 bhliain","70% of earnings (capped)":"70% den tuilleamh (le huasteorainn)","10 working days within 2 months of the birth":"10 lá oibre laistigh de 2 mhí ón mbreith","Extra leave for children":"Saoire bhreise do leanaí","2 days (1 child), 4 (2) or 7 (3+) under 16 each year":"2 lá (1 leanbh), 4 (2) nó 7 (3+) faoi 16 gach bliain","15 working days a year paid by the employer, then sickness benefit":"15 lá oibre sa bhliain íoctha ag an bhfostóir, ansin sochar breoiteachta","70%, then 50–60%":"70%, ansin 50–60%","Dismissed by the employer (not for misconduct)":"Briste as post ag an bhfostóir (ní mar gheall ar mhí-iompar)","Notice is 30 days plus 5 days after 3 years, 15 after 5, 20 after 8, 25 after 10, 30 after 15, 40 after 18 and 60 after 20 years; at least half of it is free from work with pay. Severance is 1 month after 3 years, 2 after 5, 3 after 10, 4 after 15, 5 after 20 and 6 after 25 years, with up to 3 months more within 5 years of pension age.":"Is é an fógra 30 lá móide 5 lá tar éis 3 bliana, 15 tar éis 5, 20 tar éis 8, 25 tar éis 10, 30 tar éis 15, 40 tar éis 18 agus 60 tar éis 20 bliain; tá leath de ar a laghad saor ó obair le pá. Is é an pá iomarcaíochta mí amháin tar éis 3 bliana, 2 tar éis 5, 3 tar éis 10, 4 tar éis 15, 5 tar éis 20 agus 6 tar éis 25 bliain, le suas le 3 mhí breise laistigh de 5 bliana d’aois an phinsin.","Jobseeker’s allowance":"Liúntas cuardaitheora poist","60% of previous average earnings, at most the minimum wage (HUF 322,800 a month in 2026), for one day per 10 days insured in the last 3 years: at most 90 days.":"60% den mheántuilleamh roimhe seo, an t-íosphá ar a mhéad (HUF 322,800 sa mhí in 2026), lá amháin in aghaidh gach 10 lá árachaithe sna 3 bliana deiridh: 90 lá ar a mhéad.","Under 25 you pay no income tax on pay up to HUF 715,765 a month; contributions still apply.":"Faoi 25 ní íocann tú aon cháin ioncaim ar phá suas go HUF 715,765 sa mhí; bíonn ranníocaíochtaí fós i gceist.","If both parents work they can share the family allowance, which helps when one income is too low to use it fully.":"Má oibríonn an bheirt tuismitheoirí is féidir leo an liúntas teaghlaigh a roinnt, rud a chabhraíonn nuair a bhíonn ioncam amháin ró-íseal chun é a úsáid go hiomlán.","The family tax allowance is included above; the monthly family allowance (családi pótlék) is not. Parents can share the allowance between them.":"Áirítear an liúntas cánach teaghlaigh thuas; ní áirítear an liúntas teaghlaigh míosúil (családi pótlék). Is féidir le tuismitheoirí an liúntas a roinnt eatarthu.","24 weeks at 100%, then 70% until age 2":"24 seachtaine ag 100%, ansin 70% go 2 bhliain d’aois","10 working days":"10 lá oibre","Until age 3 (GYED to 2, GYES flat to 3)":"Go 3 bliana d’aois (GYED go 2, GYES cothrom go 3)","70% for 15 days, then 50–60%":"70% ar feadh 15 lá, ansin 50–60%","Annual tax for one employee with the 2026 rules, the family allowance (claimed by you alone), the under-25 exemption and the mothers’ exemptions. The first-marriage and personal (disability) allowances and the under-30 mothers’ allowance are not modelled.":"Cáin bhliantúil d’fhostaí amháin le rialacha 2026, an liúntas teaghlaigh (éilithe agatsa amháin), an díolúine faoi 25 agus díolúintí na máithreacha. Ní ríomhtar liúntais an chéad phósta agus pearsanta (míchumais) ná liúntas na máithreacha faoi 30.","Official sources: National Tax and Customs Administration (NAV: tax-base allowances 2026), Hungarian State Treasury (pension calculation), Government Decree 426/2025 (minimum wages), Labour Code, Magyar Nemzeti Bank, Eurostat.":"Foinsí oifigiúla: an Riarachán Náisiúnta Cánach agus Custaim (NAV, liúntais 2026), Státchiste na hUngáire (ríomh pinsin), Foraithne Rialtais 426/2025 (íosphánna), an Cód Saothair, Magyar Nemzeti Bank, Eurostat.","Net pay on HUF 700,000 a month, no children":"Glanphá ar HUF 700,000 sa mhí, gan leanaí","Monthly tax saving of the family allowance, 2 children":"Coigilteas cánach míosúil an liúntais teaghlaigh, 2 leanbh","Income tax at age 23 on HUF 600,000 a month":"Cáin ioncaim ag aois 23 ar HUF 600,000 sa mhí","Pension, 40 years, net average HUF 500,000 (gross 751,880)":"Pinsean, 40 bliain, meánghlan HUF 500,000 (comhlán 751,880)","Severance after 12 years at age 45 (months)":"Pá iomarcaíochta tar éis 12 bliana ag aois 45 (míonna)","Notice after 16 years (days)":"Fógra tar éis 16 bliana (laethanta)","Local transfer tax (0.1–3% set by each municipality; 3% used, as in Sofia)":"Cáin aistrithe áitiúil (0.1–3% socraithe ag gach bardas; 3% in úsáid, mar atá i Sóifia)","Notary, registry and agency fees (estimate, about 1%)":"Táillí nótaire, clárlainne agus gníomhaireachta (meastachán, thart ar 1%)","No transfer tax; notary fee and land-registry state fee (estimate, about 0.6%)":"Gan cháin aistrithe; táille nótaire agus táille stáit chlárlann na talún (meastachán, thart ar 0.6%)","Real estate acquisition tax (abolished in 2020)":"Cáin ar fháil réadmhaoine (deireadh léi in 2020)","Land registry entry fee":"Táille iontrála i gclárlann na talún","Valuation, contract and escrow (estimate)":"Luacháil, conradh agus coimeád (meastachán)","Transfer duty 2% (first home under 35, value up to HUF 15 million: half the 4%)":"Dleacht aistrithe 2% (an chéad teach faoi 35, luach suas go HUF 15 milliún: leath den 4%)","Property transfer duty 4%":"Dleacht aistrithe maoine 4%","Lawyer and land registry (estimate, about 1%)":"Dlíodóir agus clárlann na talún (meastachán, thart ar 1%)","Mortgage interest is deductible from the tax base up to CZK 150,000 a year per household (loans from 2021), worth 15%":"Is féidir ús morgáiste a asbhaint ón mbonn cánach suas go CZK 150,000 sa bhliain in aghaidh an teaghlaigh (iasachtaí ó 2021), arb fiú 15% é","Not modelled: only young married couples (under 35) with a child can deduct interest on the first €51,129 of a loan for their only home.":"Ní ríomhtar é: ní féidir ach le lánúineacha óga pósta (faoi 35) a bhfuil leanbh acu ús a asbhaint ar an gcéad €51,129 d’iasacht dá n-aon teach amháin.","No interest relief is modelled.":"Ní ríomhtar aon fhaoiseamh úis.","No tax relief on mortgage interest; subsidised loans (such as the 3% Otthon Start loan) are not modelled.":"Gan faoiseamh cánach ar ús morgáiste; ní ríomhtar iasachtaí fóirdheontais (cosúil le hiasacht Otthon Start ag 3%).","Bulgarian National Bank, binding since October 2024: loan at most 85% of the value, payments at most 50% of net income, at most 30 years; banks may exceed the limits for a small share of loans.":"Banc Náisiúnta na Bulgáire, ceangailteach ó Dheireadh Fómhair 2024: iasacht 85% den luach ar a mhéad, aisíocaíochtaí 50% den ghlanioncam ar a mhéad, 30 bliain ar a mhéad; is féidir le bainc dul thar na teorainneacha do sciar beag de na hiasachtaí.","Eesti Pank: loan at most 85% of the value (90% with a state KredEx guarantee), payments at most 50% of net income at an interest rate of at least 6%, at most 30 years; 15% of loans may exceed.":"Eesti Pank: iasacht 85% den luach ar a mhéad (90% le ráthaíocht stáit KredEx), aisíocaíochtaí 50% den ghlanioncam ar a mhéad ag ráta úis 6% ar a laghad, 30 bliain ar a mhéad; is féidir le 15% de na hiasachtaí dul thairis.","Czech National Bank: binding loan-to-value limit of 80%, or 90% for buyers under 36 (shown here for first-time buyers); debt and payment ratios are only recommendations.":"Banc Náisiúnta na Seice: teorainn cheangailteach 80% den luach, nó 90% do cheannaitheoirí faoi 36 (léirithe anseo do cheannaitheoirí den chéad uair); níl i gcóimheasa fiachais agus aisíocaíochta ach moltaí.","Magyar Nemzeti Bank: loan at most 80% of the value (90% for first-time buyers under 41); payments at most 50% of net income (60% for higher incomes with long fixed rates).":"Magyar Nemzeti Bank: iasacht 80% den luach ar a mhéad (90% do cheannaitheoirí den chéad uair faoi 41); aisíocaíochtaí 50% den ghlanioncam ar a mhéad (60% d’ioncaim níos airde le ráta seasta fada).","PCC tax on a PLN 600,000 resale home (not a first home)":"Cáin PCC ar theach athdhíola PLN 600,000 (ní an chéad teach)","ZUS social insurance 13.71% (pension 9.76%, disability 1.5%, sickness 2.45%)":"Árachas sóisialta ZUS 13.71% (pinsean 9.76%, míchumas 1.5%, breoiteacht 2.45%)","Health insurance 9% (NFZ)":"Árachas sláinte 9% (NFZ)","Refund of unused child relief":"Aisíoc faoisimh linbh neamhúsáidte","Income tax (PIT 12% / 32%)":"Cáin ioncaim (PIT 12% / 32%)","Youth relief: income exempt under 26":"Faoiseamh don óige: ioncam díolmhaithe faoi 26","Child tax relief":"Faoiseamh cánach do leanaí","Employer contributions about 20.5%":"Ranníocaíochtaí fostóra thart ar 20.5%","ZUS social insurance + health insurance (sole proprietor)":"Árachas sóisialta ZUS + árachas sláinte (trádálaí aonair)","2 weeks":"2 sheachtain","Severance (odprawa)":"Pá iomarcaíochta (odprawa)","Labour Code art. 36":"An Cód Saothair airt. 36","Poland":"An Pholainn","Tax form":"Foirm chánach","Flat tax 19% (podatek liniowy)":"Cáin chothrom 19% (podatek liniowy)","Tax scale 12% / 32%":"Scála cánach 12% / 32%","Lump sum on revenue 12% (e.g. IT services)":"Cnapshuim ar ioncam 12% (m.sh. seirbhísí TF)","My employer has fewer than 20 employees (no statutory severance)":"Tá níos lú ná 20 fostaí ag m’fhostóir (gan pá iomarcaíochta reachtúil)","Income tax (PIT) 2026":"Cáin ioncaim (PIT) 2026","12% up to PLN 120,000 a year and 32% above, less the tax-reducing amount of PLN 3,600 (a tax-free PLN 30,000). Standard employee costs of PLN 250 a month are deducted. People under 26 pay no PIT on employment income up to PLN 85,528 a year. Child relief: PLN 1,112.04 a year for each of the first two children (for one child only with income up to PLN 112,000), PLN 2,000.04 for the third and PLN 2,700 for each further child; unused relief is refunded up to your contributions.":"12% suas go PLN 120,000 sa bhliain agus 32% os a chionn, lúide an méid laghdaithe cánach PLN 3,600 (PLN 30,000 saor ó cháin). Baintear costais chaighdeánacha PLN 250 sa mhí. Ní íocann daoine faoi 26 PIT ar ioncam fostaíochta suas go PLN 85,528 sa bhliain. Faoiseamh linbh: PLN 1,112.04 sa bhliain do gach duine den chéad bheirt leanaí (do leanbh amháin, ach amháin le hioncam suas go PLN 112,000), PLN 2,000.04 don tríú duine agus PLN 2,700 do gach leanbh eile; aisíoctar faoiseamh neamhúsáidte suas go dtí do ranníocaíochtaí.","ZUS and health insurance":"ZUS agus árachas sláinte","Employees pay 9.76% pension and 1.5% disability contributions up to PLN 282,600 a year (30 times the forecast average wage of PLN 9,420), 2.45% sickness and 9% health insurance on pay after ZUS; the health contribution is no longer deductible. Employers pay about 20.5% (pension 9.76%, disability 6.5%, accident about 1.67%, Labour Fund 2.45%, FGŚP 0.1%). Minimum wage PLN 4,806 a month.":"Íocann fostaithe 9.76% ranníocaíocht phinsin agus 1.5% míchumais suas go PLN 282,600 sa bhliain (30 oiread an mheánphá réamhaisnéise PLN 9,420), 2.45% breoiteachta agus 9% árachas sláinte ar an bpá tar éis ZUS; ní féidir an ranníocaíocht sláinte a asbhaint a thuilleadh. Íocann fostóirí thart ar 20.5% (pinsean 9.76%, míchumas 6.5%, timpiste thart ar 1.67%, Ciste Saothair 2.45%, FGŚP 0.1%). Íosphá PLN 4,806 sa mhí.","Overtime pays 50% extra, and 100% at night, on Sundays, on public holidays and on days off; night work adds 20% of the minimum hourly wage. Overtime is limited to 150 hours a year (up to 416 by agreement) and 48 hours a week on average.":"Íoctar ragobair le 50% breise, agus 100% san oíche, ar an Domhnach, ar laethanta saoire poiblí agus ar laethanta saor; cuireann obair oíche 20% den íosphá in aghaidh na huaire leis. Tá teorainn 150 uair sa bhliain le ragobair (suas go 416 trí chomhaontú) agus 48 uair sa tseachtain ar an meán.","Sole proprietor (JDG)":"Trádálaí aonair (JDG)","Social ZUS is paid on PLN 5,652.60 a month in 2026 (about PLN 1,788 without the voluntary sickness insurance; reduced rates apply in the first years). Health insurance depends on the tax form: 9% of income on the scale, 4.9% with the 19% flat tax (deductible up to PLN 14,100), or fixed amounts with the lump sum; at least PLN 432.54 a month. VAT and reliefs for starting a business are not modelled.":"Íoctar ZUS sóisialta ar PLN 5,652.60 sa mhí in 2026 (thart ar PLN 1,788 gan an t-árachas breoiteachta deonach; bíonn rátaí laghdaithe sna chéad bhlianta). Braitheann an t-árachas sláinte ar an bhfoirm chánach: 9% den ioncam ar an scála, 4.9% leis an gcáin chothrom 19% (inasbhainte suas go PLN 14,100), nó suimeanna seasta leis an gcnapshuim; PLN 432.54 sa mhí ar a laghad. Ní ríomhtar CBL ná faoisimh do ghnólachtaí nua.","ZUS old-age pension":"Pinsean seanaoise ZUS","For people born after 1948 the pension is the indexed capital on your ZUS account and sub-account (19.52% of pay) divided by the average further life expectancy at your age (GUS table, e.g. 268.9 months at 60 and 222.7 at 65 from 1 April 2026). Pension age is 60 for women and 65 for men; each year you work longer raises the pension noticeably.":"Do dhaoine a rugadh tar éis 1948 is é an pinsean an caipiteal innéacsaithe ar do chuntas agus fochuntas ZUS (19.52% den phá) roinnte ar an meánionchas saoil eile ag d’aois (tábla GUS, m.sh. 268.9 mí ag 60 agus 222.7 ag 65 ón 1 Aibreán 2026). Is é aois an phinsin 60 do mhná agus 65 d’fhir; ardaíonn gach bliain bhreise oibre an pinsean go suntasach.","Minimum, tax and extras":"Íosmhéid, cáin agus breiseáin","The minimum pension is PLN 1,978.49 from 1 March 2026 (after the 5.3% indexation), with 20 years of contributions for women and 25 for men. Pensions pay 9% health insurance and income tax on the scale. A 13th pension is paid every April and a 14th, income-tested, in the autumn.":"Is é an t-íospinsean PLN 1,978.49 ón 1 Márta 2026 (tar éis innéacsú 5.3%), le 20 bliain ranníocaíochtaí do mhná agus 25 d’fhir. Íocann pinsin 9% árachas sláinte agus cáin ioncaim de réir an scála. Íoctar 13ú pinsean gach Aibreán agus 14ú, faoi réir ioncaim, san fhómhar.","Employee Capital Plans (PPK): you pay 2% of gross pay and your employer 1.5% (both can go up to 4%); the state adds PLN 250 at the start and PLN 240 a year. From age 60 you can take 25% at once and the rest in at least 120 monthly instalments without capital-gains tax (19% on gains otherwise). You can opt out.":"Pleananna Caipitil Fostaithe (PPK): íocann tú 2% den ollphá agus d’fhostóir 1.5% (an dá cheann suas go 4%); cuireann an stát PLN 250 leis ag an tús agus PLN 240 sa bhliain. Ó aois 60 is féidir leat 25% a thógáil in aon iarracht amháin agus an chuid eile i 120 tráthchuid mhíosúil ar a laghad gan cháin ghnóthachan caipitiúil (19% ar ghnóthachain murach sin). Is féidir leat tarraingt siar.","Corpus Christi":"Corpus Christi","20 working days a year with under 10 years of seniority and 26 days after; school and university count towards the 10 years (up to 8 years for a degree). Christmas Eve has been a public holiday since 2025. A public holiday on a Saturday gives you another day off.":"20 lá oibre sa bhliain le níos lú ná 10 mbliana seirbhíse agus 26 lá ina dhiaidh sin; áirítear oideachas sna 10 mbliana (suas go 8 mbliana do chéim). Is lá saoire poiblí Oíche Nollag ó 2025. Tugann lá saoire poiblí ar an Satharn lá saor eile duit.","20 weeks":"20 seachtain","100% of pay (or 81.5% for the whole year if chosen up front)":"100% den phá (nó 81.5% don bhliain iomlán má roghnaítear é roimh ré)","41 weeks (9 of them reserved for each parent)":"41 seachtain (9 díobh in áirithe do gach tuismitheoir)","70% of pay (81.5% with the up-front option)":"70% den phá (81.5% leis an rogha roimh ré)","2 weeks until the child is 1":"2 sheachtain go dtí go mbíonn an leanbh bliain d’aois","100% of pay":"100% den phá","800+ child benefit":"Sochar linbh 800+","PLN 800 a month for every child under 18":"PLN 800 sa mhí do gach leanbh faoi 18","Not taxed, not income-tested":"Gan cháin, gan tástáil ioncaim","First 33 days paid by the employer (14 from age 50), then ZUS sickness benefit":"Íocann an fostóir an chéad 33 lá (14 ó aois 50), ansin sochar breoiteachta ZUS","80% of pay (100% in pregnancy)":"80% den phá (100% le linn toirchis)","Dismissed for reasons not concerning me (redundancy)":"Briste as post ar chúiseanna nach mbaineann liom (iomarcaíocht)","Dismissed with notice for other reasons":"Briste as post le fógra ar chúiseanna eile","Notice for an open-ended contract is 2 weeks under 6 months of service, 1 month under 3 years and 3 months after that, for both sides. When an employer with 20 or more staff dismisses you for reasons not concerning you, severance (odprawa) is 1 month’s pay under 2 years, 2 months for 2–8 years and 3 months after 8 years, capped at 15 minimum wages (PLN 72,090). Severance is taxed but free of ZUS.":"Is é an fógra do chonradh oscailte 2 sheachtain faoi 6 mhí seirbhíse, mí amháin faoi 3 bliana agus 3 mhí ina dhiaidh sin, don dá thaobh. Nuair a bhriseann fostóir a bhfuil 20 fostaí nó níos mó aige as post thú ar chúiseanna nach mbaineann leat, is é an pá iomarcaíochta (odprawa) pá míosa faoi 2 bhliain, 2 mhí do 2–8 mbliana agus 3 mhí tar éis 8 mbliana, suas go 15 íosphá (PLN 72,090). Gearrtar cáin ar an bpá iomarcaíochta ach tá sé saor ó ZUS.","A flat benefit from the labour office after 365 days of work in the last 18 months: PLN 1,783.90 a month for the first 90 days and PLN 1,400.90 after (from 1 June 2026), 20% more with 20 years of work; usually for 6 months. After resigning without a good reason it starts after 90 days.":"Sochar cothrom ón oifig saothair tar éis 365 lá oibre sna 18 mí deiridh: PLN 1,783.90 sa mhí don chéad 90 lá agus PLN 1,400.90 ina dhiaidh sin (ón 1 Meitheamh 2026), 20% níos mó le 20 bliain oibre; de ghnáth ar feadh 6 mhí. Tar éis éirí as gan chúis mhaith tosaíonn sé tar éis 90 lá.","Under 26 you pay no PIT on pay up to PLN 85,528 a year (ZUS and health insurance still apply).":"Faoi 26 ní íocann tú PIT ar phá suas go PLN 85,528 sa bhliain (bíonn ZUS agus árachas sláinte fós i gceist).","If you commute from another town, employee costs rise to PLN 300 a month (not modelled).":"Má thaistealaíonn tú ó bhaile eile, ardaíonn costais chaighdeánacha go PLN 300 sa mhí (ní ríomhtar é).","The 800+ benefit (PLN 800 a month per child under 18) is shown separately from pay. Married couples can file jointly, which lowers the tax when one earns much more than the other (not modelled here).":"Taispeántar an sochar 800+ (PLN 800 sa mhí in aghaidh an linbh faoi 18) ar leith ón bpá. Is féidir le lánúineacha pósta comhthuairisceán a dhéanamh, rud a íslíonn an cháin nuair a thuilleann duine amháin i bhfad níos mó ná an duine eile (ní ríomhtar anseo é).","20 weeks at 100% + 41 weeks parental at 70% (or 81.5% throughout)":"20 seachtain ag 100% + 41 seachtain saoire tuismitheora ag 70% (nó 81.5% ar feadh na tréimhse ar fad)","2 weeks at 100%":"2 sheachtain ag 100%","41 weeks shared (9 reserved per parent)":"41 seachtain roinnte (9 in áirithe do gach tuismitheoir)","80% (employer 33 days, then ZUS)":"80% (an fostóir 33 lá, ansin ZUS)","Annual PIT, ZUS and health insurance for one employee on an employment contract (umowa o pracę) with the 2026 rules and standard costs. Joint filing, the relief for returning emigrants, working pensioners and families with 4+ children, and civil-law contracts are not modelled.":"PIT, ZUS agus árachas sláinte bliantúil d’fhostaí amháin ar chonradh fostaíochta (umowa o pracę) le rialacha 2026 agus costais chaighdeánacha. Ní ríomhtar comhthuairisceáin, faoisimh d’eisimircigh ag filleadh, do phinsinéirí ag obair agus do theaghlaigh le 4+ leanbh, ná conarthaí dlí shibhialta.","Official sources: Ministry of Finance (PIT Act, health-contribution deduction limit 2026), ZUS (contribution bases 2026, pension rules, minimum pension), GUS (life expectancy table from 1 April 2026), Ministry of Family, Labour and Social Policy (forecast average wage, minimum wage, unemployment benefit from 1 June 2026), Labour Code, KNF Recommendation S, Eurostat.":"Foinsí oifigiúla: an Aireacht Airgeadais (Acht PIT, teorainn asbhainte ranníocaíochta sláinte 2026), ZUS (boinn ranníocaíochta 2026, rialacha pinsin, íospinsean), GUS (tábla ionchais saoil ón 1 Aibreán 2026), an Aireacht Teaghlaigh, Saothair agus Beartais Shóisialta (meánphá réamhaisnéise, íosphá, sochar dífhostaíochta ón 1 Meitheamh 2026), an Cód Saothair, Moladh S de chuid KNF, Eurostat.","Net pay on PLN 9,000 a month (no children, over 26)":"Glanphá ar PLN 9,000 sa mhí (gan leanaí, os cionn 26)","PIT on a tax base of PLN 150,000":"PIT ar bhonn cánach PLN 150,000","PIT at age 24 on PLN 80,000 a year":"PIT ag aois 24 ar PLN 80,000 sa bhliain","Child relief for 2 children (per year)":"Faoiseamh linbh do 2 leanbh (in aghaidh na bliana)","Maximum employee pension + disability contributions 2026":"Uasranníocaíochtaí fostaí pinsin + míchumais 2026","Pension from PLN 500,000 of capital at 65":"Pinsean ó PLN 500,000 caipitil ag 65","Minimum pension from 1 March 2026":"Íospinsean ón 1 Márta 2026","Severance after 10 years (months of pay)":"Pá iomarcaíochta tar éis 10 mbliana (pá míosa)","Unemployment benefit, first 90 days (per month)":"Sochar dífhostaíochta, an chéad 90 lá (sa mhí)","Sole proprietor social ZUS per month (without sickness)":"ZUS sóisialta trádálaí aonair sa mhí (gan breoiteacht)","800+ benefit, 2 children (per year)":"Sochar 800+, 2 leanbh (in aghaidh na bliana)","Civil-law transactions tax: first home bought on the secondary market is exempt (since 2023)":"Cáin ar idirbhearta dlí shibhialta: tá an chéad teach a cheannaítear ar an margadh tánaisteach díolmhaithe (ó 2023)","Civil-law transactions tax (PCC) 2% (resale home)":"Cáin ar idirbhearta dlí shibhialta (PCC) 2% (teach athdhíola)","Notary fee at the maximum tariff + 23% VAT (estimate; often negotiated lower)":"Táille nótaire ag an uastaraif + 23% CBL (meastachán; go minic idirbheartaithe níos ísle)","Land and mortgage register court fees (PLN 200 + 200)":"Táillí cúirte chlár na talún agus na morgáistí (PLN 200 + 200)","No relief: the mortgage interest deduction ended for loans taken after 2006.":"Gan faoiseamh: tháinig deireadh le hasbhaint úis morgáiste d’iasachtaí a tógadh tar éis 2006.","KNF Recommendation S: loan up to 80% of the value, or 90% with extra security such as low-deposit insurance; payments should not exceed 40% of net income (50% for above-average incomes). A state guarantee lets first-time buyers borrow with less own money.":"Moladh S de chuid KNF: iasacht suas go 80% den luach, nó 90% le slándáil bhreise cosúil le hárachas éarlaise íseal; níor cheart d’aisíocaíochtaí dul thar 40% den ghlanioncam (50% d’ioncaim os cionn an mheáin). Ligeann ráthaíocht stáit do cheannaitheoirí den chéad uair iasacht a fháil le níos lú dá n-airgead féin.","Your PPK":"Do PPK","Legal minimum annual leave after 6 months of service":"Saoire íosta dlíthiúil tar éis 6 mhí seirbhíse","Maximum agent fee on a ¥40 million home":"Coimisiún uasta gníomhaire ar theach ¥40 milliún","Housing loan credit on a ¥30 million loan (income ¥8 million)":"Creidmheas cánach ar iasacht tí ¥30 milliún (ioncam ¥8 milliún)","Mandatory rest days on weekdays in 2026":"Laethanta scíthe éigeantacha ar laethanta oibre in 2026","Legal minimum paid holidays in the first year":"Saoire íosta dhlíthiúil sa chéad bhliain","Health insurance 4.925% + care insurance 0.81% + child-support levy 0.115% (Tokyo)":"Árachas sláinte 4.925% + árachas cúraim 0.81% + tobhach tacaíochta leanaí 0.115% (Tóiceo)","Health insurance 4.925% + child-support levy 0.115% (Tokyo)":"Árachas sláinte 4.925% + tobhach tacaíochta leanaí 0.115% (Tóiceo)","Employees’ pension insurance 9.15%":"Árachas pinsin fostaithe 9.15%","Employment insurance 0.5%":"Árachas fostaíochta 0.5%","Income tax (incl. 2.1% reconstruction surtax)":"Cáin ioncaim (lena n-áirítear forcháin athchóirithe 2.1%)","Resident tax 10% (prefecture + city)":"Cáin chónaitheora 10% (maoracht + cathair)","Employment income after the employment income deduction":"Ioncam fostaíochta tar éis an asbhainte fostaíochta","Bonuses included in your yearly pay":"Bónais san áireamh i do phá bliantúil","Employer social insurance (about 16%)":"Ranníocaíochtaí árachais shóisialta an fhostóra (thart ar 16%)","Basic pension {k} a month ({y} of 40 years) plus the employees’ pension {h} (5.481/1000 of your average monthly pay up to ¥650,000, times the months insured, in today’s money). The pension starts at 65; from 60 it is cut by 0.4% a month and up to 75 it rises by 0.7% a month (factor {f}). You need 10 years of coverage. Income tax and resident tax are deducted; health and long-term care premiums set by your city (often ¥10,000–20,000 a month) are not.":"Pinsean bunúsach {k} sa mhí ({y} as 40 bliain) móide pinsean na bhfostaithe {h} (5.481/1000 de do mheánphá míosúil suas le ¥650,000, faoi líon na míonna árachais, in airgead an lae inniu). Tosaíonn an pinsean ag 65; ó 60 laghdaítear é 0.4% sa mhí agus suas go 75 méadaítear é 0.7% sa mhí (fachtóir {f}). Teastaíonn 10 mbliana clúdaigh. Baintear cáin ioncaim agus cáin chónaitheora; ní bhaintear préimheanna sláinte agus cúraim fhadtéarmaigh a shocraíonn do chathair (go minic ¥10,000–20,000 sa mhí).","National pension + national health insurance (Edogawa ward rates)":"Pinsean náisiúnta + árachas sláinte náisiúnta (rátaí cheantar Edogawa)","30 days (or 30 days’ pay)":"30 lá (nó pá 30 lá)","Labour Standards Act art. 20":"An tAcht um Chaighdeáin Saothair alt 20","Pay in lieu of 30 days’ notice (taxed as retirement income)":"Pá in ionad fógra 30 lá (cáin mar ioncam scoir)","2 weeks (Civil Code art. 627), often 1 month by work rules":"2 sheachtain (an Cód Sibhialta alt 627), go minic 1 mhí faoi rialacha oibre","{y} a day for {d} days (about 50–80% of your daily wage, tax-free){r}":"{y} sa lá ar feadh {d} lá (thart ar 50–80% de do phá laethúil, saor ó cháin){r}",", starting after a 7-day wait and a 1-month restriction":", ag tosú tar éis feithimh 7 lá agus srian 1 mhí","Age when leaving":"Aois ag fágáil","Resigned (any age)":"D’éirigh mé as (aon aois)","Coming of Age Day":"Lá an Aosaithe","National Foundation Day":"Lá Bunaithe an Náisiúin","Emperor’s Birthday":"Breithlá an Impire","Vernal Equinox Day":"Cónocht an earraigh","Shōwa Day":"Lá Shōwa","Constitution Memorial Day":"Lá an Bhunreachta","Greenery Day":"Lá na Glaise","Children’s Day":"Lá na bPáistí","Marine Day":"Lá na Farraige","Mountain Day":"Lá na Sléibhte","Respect for the Aged Day":"Lá an Mheasa ar an Aosach","Autumnal Equinox Day":"Cónocht an fhómhair","Sports Day":"Lá an Spóirt","Culture Day":"Lá an Chultúir","Labour Thanksgiving Day":"Lá Buíochais an tSaothair","Substitute holiday":"Saoire ionaid","Citizens’ holiday (between two holidays)":"Saoire na saoránach (idir dhá shaoire)","Japan":"An tSeapáin","National income tax runs from 5% to 45% (5% up to ¥1.95m, 10% to ¥3.3m, 20% to ¥6.95m, 23% to ¥9m, 33% to ¥18m, 40% to ¥40m), plus a 2.1% reconstruction surtax. For 2026 and 2027 the employment income deduction is at least ¥740,000 and the basic deduction is ¥1,040,000 for income up to ¥4.89m (¥670,000 up to ¥6.55m, ¥620,000 above), so pay of up to ¥1.78m is tax-free; the new amounts apply in the year-end adjustment from December 2026. Children under 16 give no deduction (child allowance is paid instead).":"Téann an cháin ioncaim náisiúnta ó 5% go 45% (5% suas le ¥1.95 milliún, 10% go ¥3.3 milliún, 20% go ¥6.95 milliún, 23% go ¥9 milliún, 33% go ¥18 milliún, 40% go ¥40 milliún), móide forcháin athchóirithe 2.1%. Do 2026 agus 2027 is ¥740,000 ar a laghad an t-asbhaint fostaíochta agus ¥1,040,000 an t-asbhaint bhunúsach d’ioncam suas le ¥4.89 milliún (¥670,000 suas le ¥6.55 milliún, ¥620,000 os a chionn), mar sin tá pá suas le ¥1.78 milliún saor ó cháin; tá na suimeanna nua i bhfeidhm sa choigeartú deireadh bliana ó Nollaig 2026. Ní thugann leanaí faoi 16 asbhaint (íoctar liúntas leanaí ina ionad).","Resident tax":"Cáin chónaitheora","Prefecture and city together take 10% of income after a ¥430,000 basic deduction, plus about ¥5,000 a year per person. It is charged on the previous year’s income and taken from pay from June; this calculator applies it to the same year.":"Gearrann an mhaoracht agus an chathair le chéile 10% den ioncam tar éis asbhainte bunúsaí ¥430,000, móide thart ar ¥5,000 in aghaidh an duine sa bhliain. Gearrtar í ar ioncam na bliana roimhe sin agus baintear den phá í ó Mheitheamh; cuireann an t-áireamhán seo i bhfeidhm í ar an mbliain chéanna.","Employee and employer each pay half of health insurance (9.85% in Tokyo with Kyokai Kenpo from March 2026), care insurance (1.62%, ages 40–64), the new child-support levy (0.23% from April 2026) and employees’ pension (18.3%), on standard monthly pay grades: up to ¥1.39m a month for health and ¥650,000 for pension; bonuses count up to ¥5.73m a year (health) and ¥1.5m a payment (pension). Employment insurance is 0.5% for the employee and 0.85% for the employer.":"Íocann an fostaí agus an fostóir leath an duine den árachas sláinte (9.85% i dTóiceo le Kyokai Kenpo ó Mhárta 2026), den árachas cúraim (1.62%, aois 40–64), den tobhach nua tacaíochta leanaí (0.23% ó Aibreán 2026) agus de phinsean na bhfostaithe (18.3%), ar ghráid chaighdeánacha pá mhíosúil: suas le ¥1.39 milliún sa mhí don tsláinte agus ¥650,000 don phinsean; áirítear bónais suas le ¥5.73 milliún sa bhliain (sláinte) agus ¥1.5 milliún in aghaidh na híocaíochta (pinsean). Is é 0.5% an t-árachas fostaíochta don fhostaí agus 0.85% don fhostóir.","Labour Standards Act":"An tAcht um Chaighdeáin Saothair","Overtime beyond 8 hours a day or 40 a week pays at least 25% extra, and 50% for overtime above 60 hours a month; night work (22:00–05:00) adds 25% and work on the weekly legal day off 35%. With a labour-management agreement (article 36) overtime is limited to 45 hours a month and 360 a year (up to 720 in special cases).":"Íoctar ragobair thar 8 n-uaire sa lá nó 40 sa tseachtain le 25% breise ar a laghad, agus 50% thar 60 uair sa mhí; cuireann obair oíche (22:00–05:00) 25% leis agus obair ar an lá scíthe reachtúil seachtainiúil 35%. Le comhaontú idir oibrithe agus bainistíocht (alt 36) tá ragobair teoranta do 45 uair sa mhí agus 360 sa bhliain (suas le 720 i gcásanna speisialta).","45 h / month, 360 h / year":"45 u / mí, 360 u / bliain","Sole proprietor (kojin jigyō)":"Trádálaí aonair (kojin jigyō)","You pay the flat national pension (¥17,920 a month from April 2026) and national health insurance set by your city; the Edogawa ward (Tokyo) rates for 2026 are used: 7.83% + 2.84% + 0.27% of income above ¥430,000 plus per-person amounts, and 2.45% more at ages 40–64. With a blue return filed online you deduct ¥650,000. Most services also pay 5% business tax on income above ¥2.9m. Consumption tax applies above ¥10m of sales (not modelled).":"Íocann tú an pinsean náisiúnta seasta (¥17,920 sa mhí ó Aibreán 2026) agus árachas sláinte náisiúnta do chathrach; úsáidtear rátaí 2026 cheantar Edogawa (Tóiceo): 7.83% + 2.84% + 0.27% den ioncam os cionn ¥430,000 móide suimeanna in aghaidh an duine, agus 2.45% eile ag aois 40–64. Le tuairisceán gorm a chomhdaítear ar líne asbhaineann tú ¥650,000. Íocann formhór na seirbhísí cáin ghnó 5% freisin ar ioncam os cionn ¥2.9 milliún. Bíonn cáin tomhaltais i bhfeidhm os cionn ¥10 milliún díolachán (gan áireamh).","Basic and employees’ pension":"Pinsean bunúsach agus pinsean na bhfostaithe","Everyone gets the basic pension: ¥70,608 a month in fiscal year 2026 for 40 years of coverage, less for fewer years (at least 10 needed). Employees add the earnings-related employees’ pension, about 5.481/1000 of average monthly pay (incl. bonuses) for each month insured. Pensions rose 1.9% (basic) and 2.0% (employees’) in April 2026.":"Faigheann gach duine an pinsean bunúsach: ¥70,608 sa mhí i mbliain fhioscach 2026 do 40 bliain clúdaigh, níos lú le níos lú blianta (10 ar a laghad ag teastáil). Cuireann fostaithe pinsean na bhfostaithe atá bunaithe ar thuilleamh leis, thart ar 5.481/1000 den mheánphá míosúil (bónais san áireamh) do gach mí árachais. D’ardaigh na pinsin 1.9% (bunúsach) agus 2.0% (fostaithe) in Aibreán 2026.","Age, early and deferred claims":"Aois, éileamh luath agus iarchurtha","The normal age is 65. You can claim from 60 with a cut of 0.4% for each month early (24% at 60) or defer up to 75 for 0.7% more per month (84% at 75). Pensions are taxed after the public pension deduction (at least ¥1.1m from 65).":"Is é 65 an gnáthaois. Is féidir leat éileamh ó 60 le laghdú 0.4% do gach mí roimh ré (24% ag 60) nó é a chur siar go 75 le 0.7% breise sa mhí (84% ag 75). Gearrtar cáin ar phinsin tar éis an asbhainte phinsin phoiblí (¥1.1 milliún ar a laghad ó 65).","iDeCo and company DC contributions are fully deductible from income tax and resident tax (not from social insurance). From December 2026 the limit for employees is ¥62,000 a month including your employer’s DC contributions (it was ¥23,000 without a company plan).":"Is féidir ranníocaíochtaí iDeCo agus plean DC cuideachta a asbhaint go hiomlán ón gcáin ioncaim agus ón gcáin chónaitheora (ní ón árachas sóisialta). Ó Nollaig 2026 is é ¥62,000 sa mhí an teorainn d’fhostaithe lena n-áirítear ranníocaíochtaí DC an fhostóra (¥23,000 a bhí ann gan plean cuideachta).","iDeCo is a personal defined-contribution pension: contributions reduce income and resident tax, gains are tax-free, and the money is locked until 60. Taken as a lump sum it is taxed as retirement income after a deduction of ¥400,000 a year of membership (¥700,000 after 20 years), so most savers pay little or no tax; shown here as tax-free. Gains in a taxable account pay 20.315%.":"Is pinsean pearsanta ranníocaíochta sainithe é iDeCo: laghdaíonn ranníocaíochtaí an cháin ioncaim agus an cháin chónaitheora, tá gnóthachain saor ó cháin, agus bíonn an t-airgead faoi ghlas go 60. Má thógtar é mar chnapshuim gearrtar cáin air mar ioncam scoir tar éis asbhainte ¥400,000 in aghaidh gach bliana ballraíochta (¥700,000 tar éis 20 bliain), mar sin is beag nó dada cánach a íocann formhór na ndaoine; taispeántar anseo é mar shaor ó cháin. Íocann gnóthachain i gcuntas inchánach 20.315%.","10 days of paid leave after 6 months of service, rising by 1–2 days a year to 20 days after 6½ years; unused days carry over for 2 years, and employers must make sure you take at least 5 days a year. Public holidays falling on a Sunday move to the next working day, and a day between two holidays is also a holiday. Many companies also close from 29 December to 3 January (not a legal holiday).":"10 lá saoire íoctha tar éis 6 mhí seirbhíse, ag méadú 1–2 lá sa bhliain go 20 lá tar éis 6½ bliain; coinnítear laethanta nár úsáideadh ar feadh 2 bhliain, agus ní mór don fhostóir a chinntiú go dtógann tú 5 lá ar a laghad sa bhliain. Bogtar saoirí poiblí a thiteann ar an Domhnach go dtí an chéad lá oibre eile, agus is saoire freisin lá idir dhá shaoire. Dúnann go leor comhlachtaí freisin ón 29 Nollaig go dtí an 3 Eanáir (ní saoire dhlíthiúil é).","6 weeks before and 8 weeks after the birth":"6 seachtaine roimh an mbreith agus 8 seachtaine ina dhiaidh","Two thirds of pay from health insurance, plus a ¥500,000 childbirth lump sum":"Dhá thrian den phá ón árachas sláinte, móide cnapshuim breithe ¥500,000","Childcare leave":"Saoire cúraim leanaí","Each parent until the child is 1 (up to 2 without a daycare place); fathers can also take up to 4 weeks in the first 8 weeks":"Gach tuismitheoir go dtí go mbíonn an leanbh 1 bhliain d’aois (suas le 2 gan áit naíolainne); is féidir le haithreacha suas le 4 seachtaine a thógáil freisin sna chéad 8 seachtaine","67% of pay for 180 days, then 50% (tax- and premium-free); 80% for up to 28 days when both parents take leave":"67% den phá ar feadh 180 lá, ansin 50% (saor ó cháin agus ó phréimheanna); 80% ar feadh suas le 28 lá nuair a thógann an dá thuismitheoir saoire","Child allowance":"Liúntas leanaí","¥15,000 a month under 3 and ¥10,000 from 3 to 18 (¥30,000 from the third child), no income limit":"¥15,000 sa mhí faoi 3 bliana agus ¥10,000 ó 3 go 18 (¥30,000 ón tríú leanbh), gan teorainn ioncaim","Not taxed, paid every two months":"Saor ó cháin, íoctha gach dara mí","Sickness benefit":"Sochar breoiteachta","From the 4th day off sick, for up to 1½ years (no statutory sick pay from the employer)":"Ón 4ú lá tinnis, ar feadh suas le 1½ bliain (gan pá breoiteachta reachtúil ón bhfostóir)","Two thirds of pay from health insurance":"Dhá thrian den phá ón árachas sláinte","Dismissed by the employer (company reasons)":"Dífhostaithe ag an bhfostóir (cúiseanna cuideachta)","Dismissal and notice":"Dífhostú agus fógra","A dismissal needs an objectively reasonable cause, or it is void (Labour Contract Act art. 16). The employer must give 30 days’ notice or 30 days’ average pay. There is no statutory severance pay; many companies pay a retirement allowance under their own rules, which is taxed lightly as retirement income (deduction of ¥400,000 a year of service, ¥700,000 after 20 years, half of the rest taxed).":"Teastaíonn cúis réasúnach oibiachtúil le dífhostú, nó tá sé ar neamhní (an tAcht um Chonarthaí Saothair alt 16). Ní mór don fhostóir fógra 30 lá a thabhairt nó meánphá 30 lá a íoc. Níl aon íocaíocht iomarcaíochta reachtúil ann; íocann go leor comhlachtaí liúntas scoir faoina rialacha féin, agus is beag cáin a ghearrtar air mar ioncam scoir (asbhaint ¥400,000 in aghaidh gach bliana seirbhíse, ¥700,000 tar éis 20 bliain, cáin ar leath an chuid eile).","The basic allowance is 50–80% of your average daily wage of the last 6 months (45–80% at 60–64), from 1 August 2026 between ¥2,562 and ¥9,110 a day depending on age. After a dismissal it lasts 90–330 days by age and years insured; after resigning 90–150 days, starting after a 1-month restriction.":"Is é an liúntas bunúsach 50–80% de do mheánphá laethúil sna 6 mhí deiridh (45–80% ag 60–64), ón 1 Lúnasa 2026 idir ¥2,562 agus ¥9,110 sa lá ag brath ar aois. Tar éis dífhostaithe maireann sé 90–330 lá de réir aoise agus blianta árachais; tar éis éirí as 90–150 lá, tar éis srian 1 mhí.","Up to ¥1.78m of pay a year there is no income tax in 2026 and 2027.":"Suas le ¥1.78 milliún pá sa bhliain níl aon cháin ioncaim in 2026 agus 2027.","iDeCo contributions cut both income tax and resident tax; from December 2026 employees can put in up to ¥62,000 a month.":"Laghdaíonn ranníocaíochtaí iDeCo an cháin ioncaim agus an cháin chónaitheora araon; ó Nollaig 2026 is féidir le fostaithe suas le ¥62,000 sa mhí a chur isteach.","Child allowance is shown separately (¥10,000 a month per child aged 3–18, ¥15,000 under 3, ¥30,000 from the third child). Spouses file separately; the spouse and dependant deductions for a low-earning spouse or children aged 16–22 are not modelled.":"Taispeántar an liúntas leanaí ar leith (¥10,000 sa mhí in aghaidh gach linbh 3–18 bliana, ¥15,000 faoi 3, ¥30,000 ón tríú leanbh). Comhdaíonn céilí ar leith; ní áirítear asbhaintí do chéile ar ioncam íseal ná do leanaí 16–22 bliana.","30 days’ pay in lieu of notice":"Pá 30 lá in ionad fógra","14 weeks at two thirds of pay, then childcare leave at 67% / 50% until age 1":"14 seachtaine ar dhá thrian den phá, ansin saoire cúraim leanaí ar 67% / 50% go dtí go mbíonn an leanbh 1 bhliain d’aois","Up to 4 weeks after the birth at 67% (80% with the 2025 top-up)":"Suas le 4 seachtaine tar éis na breithe ar 67% (80% leis an bhforlíonadh ó 2025)","Each parent until the child is 1 (up to 2)":"Gach tuismitheoir go dtí go mbíonn an leanbh 1 bhliain d’aois (suas le 2)","Two thirds from health insurance from day 4":"Dhá thrian ón árachas sláinte ón 4ú lá","Annual tax and premiums for one employee in Tokyo (Kyokai Kenpo rates) with the 2026 deductions; resident tax is applied to the same year although it is charged a year later. Spouse and dependant deductions, the hometown tax donation (furusato nōzei), housing loan credit in the salary view, company health insurance societies with other rates and the 2026 change from March to April in the premiums are not modelled.":"Cáin agus préimheanna bliantúla d’fhostaí amháin i dTóiceo (rátaí Kyokai Kenpo) le hasbhaintí 2026; cuirtear an cháin chónaitheora i bhfeidhm ar an mbliain chéanna cé go ngearrtar í bliain níos déanaí. Ní áirítear asbhaintí céile agus cleithiúnaithe, an deonú cánach do bhailte (furusato nōzei), an creidmheas iasachta tí san amharc pá, cumainn árachais sláinte cuideachtaí le rátaí eile ná athrú préimheanna Márta–Aibreán 2026.","Official sources: National Tax Agency (Tax Answer 1199 basic deduction and 1410 employment income deduction, 2026), Ministry of Finance (FY2026 tax reform outline), Ministry of Internal Affairs and city notices (resident tax), Japan Health Insurance Association (Tokyo premium table from March 2026), Ministry of Health, Labour and Welfare (pension amounts FY2026, employment insurance rate FY2026, basic allowance from 1 August 2026, child allowance, 2025 abridged life table), Japan Pension Service, Edogawa City (national health insurance 2026), Statistics Bureau (Family Income and Expenditure Survey 2025, Housing and Land Survey 2023), Ministry of Land, Infrastructure, Transport and Tourism (housing loan tax credit).":"Foinsí oifigiúla: an Ghníomhaireacht Náisiúnta Cánach (Tax Answer 1199 asbhaint bhunúsach agus 1410 asbhaint fostaíochta, 2026), an Aireacht Airgeadais (athchóiriú cánach 2026), an Aireacht Gnóthaí Inmheánacha agus fógraí cathrach (cáin chónaitheora), Cumann Árachais Sláinte na Seapáine (tábla préimheanna Thóiceo ó Mhárta 2026), an Aireacht Sláinte, Saothair agus Leasa (suimeanna pinsin 2026, ráta árachais fostaíochta 2026, liúntas bunúsach ón 1 Lúnasa 2026, liúntas leanaí, tábla saoil 2025), Japan Pension Service, Cathair Edogawa (árachas sláinte náisiúnta 2026), an Biúró Staidrimh (suirbhé ioncaim agus caiteachais teaghlaigh 2025, suirbhé tithíochta 2023), an Aireacht Talún, Bonneagair, Iompair agus Turasóireachta (creidmheas cánach iasachta tí).","Income tax on a taxable income of ¥5,000,000":"Cáin ioncaim ar ioncam inchánach ¥5,000,000","Employment income on pay of ¥5,000,000 (2026)":"Ioncam fostaíochta ar phá ¥5,000,000 (2026)","Employment income on pay of ¥1,500,000 (2026)":"Ioncam fostaíochta ar phá ¥1,500,000 (2026)","Basic deduction 2026, total income ¥3,000,000":"Asbhaint bhunúsach 2026, ioncam iomlán ¥3,000,000","Monthly employee premiums on ¥300,000, age 35 (health + child levy + pension)":"Préimheanna míosúla fostaí ar ¥300,000, aois 35 (sláinte + tobhach leanaí + pinsean)","Monthly employee premiums on ¥500,000, age 45 (incl. care insurance)":"Préimheanna míosúla fostaí ar ¥500,000, aois 45 (árachas cúraim san áireamh)","Maximum monthly employee pension premium":"An phréimh phinsin mhíosúil is airde d’fhostaí","Full basic pension, fiscal year 2026 (per month)":"Pinsean bunúsach iomlán, bliain fhioscach 2026 (sa mhí)","Daily basic allowance on a daily wage of ¥9,000 (under 60)":"Liúntas bunúsach laethúil ar phá laethúil ¥9,000 (faoi 60)","Maximum daily basic allowance, age 30–44":"An liúntas bunúsach laethúil is airde, aois 30–44","Benefit days after a dismissal, age 50, 25 years insured":"Laethanta sochair tar éis dífhostaithe, aois 50, 25 bliain árachais","Child allowance, 2 children aged 3–18 (per year)":"Liúntas leanaí, 2 leanbh 3–18 bliana (sa bhliain)","National pension contributions, fiscal year 2026 (per year)":"Ranníocaíochtaí pinsin náisiúnta, bliain fhioscach 2026 (sa bhliain)","IMSS quota (paid by your employer at the minimum wage)":"Ranníocaíocht IMSS (íocann an fostóir í ar an íosphá)","IMSS social security, employee share (about 2.4%)":"Slándáil shóisialta IMSS, sciar an fhostaí (thart ar 2.4%)","ISR income tax on the monthly salary (after the employment subsidy)":"Cáin ioncaim ISR ar an tuarastal míosúil (tar éis an fhóirdheontais fostaíochta)","ISR on the aguinaldo and bonuses (30 UMA of aguinaldo exempt)":"ISR ar an aguinaldo agus na bónais (30 UMA den aguinaldo díolmhaithe)","Aguinaldo (year-end bonus) included in your yearly pay":"Aguinaldo (bónas deireadh bliana) san áireamh i do phá bliantúil","Vacation premium (25% of 12 holiday days, paid on top)":"Préimh saoire (25% de 12 lá saoire, íoctha sa bhreis)","Employment subsidy credited against your ISR (per year)":"Fóirdheontas fostaíochta curtha i gcoinne do ISR (sa bhliain)","Employer IMSS, retirement (SAR) and Infonavit housing 5%":"IMSS an fhostóra, scor (SAR) agus ciste tithíochta Infonavit 5%"," You started contributing before July 1997, so you can choose the 1973-law pension instead (based on your last 250 weeks of salary), which is often higher; it is not modelled.":" Thosaigh tú ag íoc ranníocaíochtaí roimh Iúil 1997, mar sin is féidir leat pinsean dhlí 1973 a roghnú ina ionad (bunaithe ar do 250 seachtain tuarastail deiridh), a bhíonn níos airde go minic; ní áirítear é.","AFORE account: about {b} saved (2% retirement + the employer’s old-age quota, rising to 2030, + your 1.125%, at a 3% real return), paid as {a} a month over your expected {n} years. You need age 60 (65 for old age) and {w} weeks in {y} (you have about {k}).{f} From 65 everyone also gets the Pensión Bienestar of MXN 3,200 a month (MXN 6,400 every two months).{l}":"Cuntas AFORE: thart ar {b} coigilte (2% scoir + ranníocaíocht seanaoise an fhostóra, ag ardú go 2030, + do 1.125%, ag toradh réadach 3%), íoctha mar {a} sa mhí thar na {n} bliana a bhfuiltear ag súil leo. Teastaíonn aois 60 (65 don tseanaois) agus {w} seachtain in {y} (tá thart ar {k} agat).{f} Ó 65 faigheann gach duine an Pensión Bienestar freisin, MXN 3,200 sa mhí (MXN 6,400 gach dara mí).{l}"," The Pension Fund for Wellbeing tops this up to your last salary ({p}, up to MXN 17,885.85 in 2026).":" Cuireann Ciste Pinsin an Fholláine léi go dtí do thuarastal deiridh ({p}, suas le MXN 17,885.85 in 2026).","No compulsory social security (voluntary IMSS not included)":"Gan slándáil shóisialta éigeantach (níl IMSS deonach san áireamh)","Constitutional indemnity (3 months of integrated pay)":"Cúiteamh bunreachtúil (3 mhí de phá comhtháite)","20 days per year of service (when the employer refuses reinstatement)":"20 lá in aghaidh gach bliana seirbhíse (nuair a dhiúltaíonn an fostóir thú a athfhostú)","Seniority premium (12 days a year, pay capped at 2 minimum wages)":"Préimh sinsearachta (12 lá sa bhliain, pá teoranta do 2 íosphá)","Seniority premium (12 days a year, after 15 years)":"Préimh sinsearachta (12 lá sa bhliain, tar éis 15 bliana)","Holidays":"Saoire","Dismissal without cause":"Dífhostú gan chúis","None required (written notice of the reason)":"Níl gá leis (fógra scríofa ar an gcúis)","LFT art. 47":"LFT alt 47","No federal unemployment insurance: you can withdraw part of your AFORE (retiro por desempleo), and Mexico City pays a local unemployment insurance":"Níl árachas dífhostaíochta cónaidhme ann: is féidir leat cuid de do AFORE a tharraingt siar (retiro por desempleo), agus íocann Cathair Mheicsiceo árachas dífhostaíochta áitiúil","Mexico":"Meicsiceo","Tax regime":"Córas cánach","RESICO simplified regime (1%–2.5% of revenue, up to MXN 3.5m)":"Córas simplithe RESICO (1%–2.5% den ioncam, suas le MXN 3.5 milliún)","Business and professional activity (tax on profit)":"Gníomhaíocht ghnó agus ghairmiúil (cáin ar bhrabús)","Include 20 days per year (employer refuses reinstatement)":"20 lá in aghaidh na bliana a chur san áireamh (diúltaíonn an fostóir athfhostú)","ISR income tax 2026":"Cáin ioncaim ISR 2026","Employers withhold ISR each month with the 2026 tariff (Anexo 8, updated by 13.21% for inflation): 1.92% on the first MXN 844.59 rising to 35% above MXN 425,642 a month. The employment subsidy (MXN 535.65 a month for pay up to MXN 11,492.66) reduces the tax but is not paid out. The aguinaldo is tax-free up to 30 UMA (MXN 3,519.30) and the vacation premium up to 15 UMA.":"Coinníonn fostóirí ISR siar gach mí leis an tabla 2026 (Anexo 8, nuashonraithe 13.21% don bhoilsciú): 1.92% ar an gcéad MXN 844.59 ag ardú go 35% os cionn MXN 425,642 sa mhí. Laghdaíonn an fóirdheontas fostaíochta (MXN 535.65 sa mhí do phá suas le MXN 11,492.66) an cháin ach ní íoctar amach é. Tá an aguinaldo saor ó cháin suas le 30 UMA (MXN 3,519.30) agus an phréimh saoire suas le 15 UMA.","IMSS, AFORE and Infonavit":"IMSS, AFORE agus Infonavit","Contributions use the integrated daily wage (salary plus aguinaldo and vacation premium, capped at 25 UMA = MXN 2,932.75 a day). Employees pay about 2.4% (plus 0.4% above 3 UMA). Employers pay much more: health, disability, childcare, 2% retirement plus an old-age quota rising every year until 2030 (up to 7.513% in 2026), and 5% to Infonavit for housing; states add a payroll tax of about 3%. Minimum wage MXN 315.04 a day (MXN 440.87 in the northern border zone).":"Bunaítear ranníocaíochtaí ar an bpá laethúil comhtháite (tuarastal móide aguinaldo agus préimh saoire, uasteorainn 25 UMA = MXN 2,932.75 sa lá). Íocann fostaithe thart ar 2.4% (móide 0.4% os cionn 3 UMA). Íocann fostóirí i bhfad níos mó: sláinte, míchumas, cúram leanaí, 2% scoir móide ranníocaíocht seanaoise a ardaíonn gach bliain go 2030 (suas le 7.513% in 2026), agus 5% chuig Infonavit don tithíocht; cuireann na stáit cáin phárolla thart ar 3% leis. Íosphá MXN 315.04 sa lá (MXN 440.87 i gcrios teorann an tuaiscirt).","Aguinaldo and holidays":"Aguinaldo agus saoire","Every employee gets an aguinaldo of at least 15 days’ pay before 20 December (shown as 12.5 salaries a year; many employers pay 30 days), and a vacation premium of at least 25% of holiday pay.":"Faigheann gach fostaí aguinaldo de phá 15 lá ar a laghad roimh an 20 Nollaig (taispeántar mar 12.5 tuarastal sa bhliain; íocann go leor fostóirí 30 lá) agus préimh saoire de 25% ar a laghad den phá saoire.","Federal Labour Law":"An Dlí Saothair Cónaidhme","The legal week is 48 hours in 2026; the constitutional reform of March 2026 cuts it by 2 hours a year from 2027 to 40 hours in 2030. The first 9 overtime hours a week (at most 3 a day, 3 times a week) are paid double and any further hours triple; from 2027 up to 12 overtime hours a week are allowed. Sunday work earns a 25% premium, and work on a rest day or public holiday is paid triple.":"Is é 48 uair an tseachtain dhlíthiúil in 2026; laghdaíonn athchóiriú bunreachtúil Mhárta 2026 í 2 uair sa bhliain ó 2027 go 40 uair in 2030. Íoctar an chéad 9 n-uaire ragoibre sa tseachtain (3 ar a mhéad sa lá, 3 huaire sa tseachtain) faoi dhó agus aon uaireanta eile faoi thrí; ó 2027 ceadaítear suas le 12 uair ragoibre sa tseachtain. Tuilleann obair Dé Domhnaigh préimh 25%, agus íoctar faoi thrí obair ar lá scíthe nó saoire phoiblí.","Half of double-time overtime is tax-free up to 5 UMA a week (all of it for minimum-wage earners); not applied in this calculator.":"Tá leath den ragobair a íoctar faoi dhó saor ó cháin suas le 5 UMA sa tseachtain (é ar fad dóibh siúd ar an íosphá); ní chuirtear i bhfeidhm é san áireamhán seo.","9 h / week (3 h a day)":"9 u / seachtain (3 u sa lá)","RESICO and professional activity":"RESICO agus gníomhaíocht ghairmiúil","Under RESICO, individuals with revenue up to MXN 3.5m a year pay ISR of 1% to 2.5% of revenue with no deductions. Otherwise business and professional income is taxed on profit with the normal tariff. Self-employed people have no compulsory IMSS; voluntary IMSS and VAT (16%, usually charged to clients) are not included.":"Faoi RESICO, íocann daoine aonair a bhfuil ioncam suas le MXN 3.5 milliún sa bhliain acu ISR de 1% go 2.5% den ioncam gan asbhaintí. Seachas sin gearrtar cáin ar ioncam gnó agus gairmiúil ar an mbrabús leis an ngnáth-tabla. Níl IMSS éigeantach ag daoine féinfhostaithe; níl IMSS deonach ná CBL (16%, a ghearrtar ar chliaint de ghnáth) san áireamh.","AFORE pension (1997 law)":"Pinsean AFORE (dlí 1997)","People who started after 1 July 1997 retire on their AFORE individual account. You need age 65 (or 60 with a smaller pension) and 875 weeks of contributions in 2026, rising by 25 a year to 1,000 in 2031. The balance buys an annuity or a programmed withdrawal; with too few weeks you take the money as a lump sum. A guaranteed minimum pension applies by age, weeks and salary.":"Téann daoine a thosaigh tar éis an 1 Iúil 1997 ar scor ar a gcuntas aonair AFORE. Teastaíonn aois 65 (nó 60 le pinsean níos lú) agus 875 seachtain ranníocaíochtaí in 2026, ag ardú 25 sa bhliain go 1,000 in 2031. Ceannaíonn an t-iarmhéid blianacht nó aistarraingt chláraithe; le ró-bheagán seachtainí faigheann tú an t-airgead mar chnapshuim. Tá pinsean íosta ráthaithe i bhfeidhm de réir aoise, seachtainí agus tuarastail.","Pension Fund for Wellbeing and Pensión Bienestar":"Ciste Pinsin an Fholláine agus Pensión Bienestar","Since 2024 the Pension Fund for Wellbeing tops up the IMSS old-age pension of 1997-law workers retiring at 65 or later to 100% of their last salary, if that salary is at most MXN 17,885.85 a month (2026). Separately, everyone aged 65 or over receives the non-contributory Pensión Bienestar of MXN 6,400 every two months. Pensions are tax-free up to 15 UMA a month.":"Ó 2024 cuireann Ciste Pinsin an Fholláine le pinsean seanaoise IMSS oibrithe dhlí 1997 a théann ar scor ag 65 nó níos déanaí go 100% dá dtuarastal deiridh, má tá an tuarastal sin MXN 17,885.85 sa mhí ar a mhéad (2026). Ina theannta sin, faigheann gach duine 65 bliana d’aois nó níos sine an Pensión Bienestar neamhranníocach, MXN 6,400 gach dara mí. Tá pinsin saor ó cháin suas le 15 UMA sa mhí.","Voluntary AFORE contributions are deductible up to 10% of your income and 5 yearly UMA ({l} for you). Withdrawals before retirement are taxed.":"Is féidir ranníocaíochtaí deonacha AFORE a asbhaint suas le 10% de d’ioncam agus 5 UMA bhliantúla ({l} duitse). Gearrtar cáin ar aistarraingtí roimh scor.","Voluntary contributions to your AFORE (long-term, deductible) are added to the same account as your compulsory savings and paid out with your pension, tax-free up to 15 UMA a month. Many employers also offer a savings fund (fondo de ahorro) with matching contributions. Real interest in a taxable account is taxed at your marginal rate (20% used).":"Cuirtear ranníocaíochtaí deonacha le do AFORE (fadtéarmach, inasbhainte) leis an gcuntas céanna le do choigilteas éigeantach agus íoctar iad le do phinsean, saor ó cháin suas le 15 UMA sa mhí. Tairgeann go leor fostóirí ciste coigilte (fondo de ahorro) freisin le ranníocaíocht chomhionann. Gearrtar cáin ar ús réadach i gcuntas inchánach ag do ráta imeallach (úsáidtear 20%).","Benito Juárez’s birthday":"Breithlá Benito Juárez","Presidential inauguration":"Insealbhú an Uachtaráin","Revolution Day":"Lá na Réabhlóide","Since 2023 paid holidays are 12 working days after the first year, rising by 2 days a year to 20 in year 5 and then by 2 days every 5 years, with a vacation premium of at least 25%. The mandatory rest days of the Federal Labour Law are shown; Holy Thursday, Good Friday, 12 December and 2 November are common days off but not obligatory, and election days are also rest days.":"Ó 2023 is é 12 lá oibre an tsaoire tar éis na chéad bhliana, ag ardú 2 lá sa bhliain go 20 sa 5ú bliain agus ansin 2 lá gach 5 bliana, le préimh saoire de 25% ar a laghad. Taispeántar laethanta scíthe éigeantacha an Dlí Saothair Cónaidhme; is gnáthlaethanta saor iad Déardaoin Mandála, Aoine an Chéasta, an 12 Nollaig agus an 2 Samhain ach níl siad éigeantach, agus is laethanta scíthe iad laethanta toghcháin freisin.","12 weeks (6 before and 6 after the birth; up to 4 can be moved to after)":"12 seachtaine (6 roimh an mbreith agus 6 ina dhiaidh; is féidir suas le 4 a bhogadh go dtí ina dhiaidh)","100% of the integrated wage from IMSS (30 weeks of contributions needed)":"100% den phá comhtháite ó IMSS (teastaíonn 30 seachtain ranníocaíochtaí)","5 working days":"5 lá oibre","Full pay from the employer":"Pá iomlán ón bhfostóir","Two 30-minute breaks a day (or one hour less work) for up to 6 months":"Dhá shos 30 nóiméad sa lá (nó uair an chloig níos lú oibre) ar feadh suas le 6 mhí","Childcare":"Cúram leanaí","IMSS daycare (guarderías) for children from 43 days to 4 years":"Naíolanna IMSS (guarderías) do leanaí ó 43 lá go 4 bliana","Free for insured parents":"Saor in aisce do thuismitheoirí árachaithe","IMSS sickness benefit from the 4th day, up to 52 weeks":"Sochar breoiteachta IMSS ón 4ú lá, ar feadh suas le 52 seachtain","60% of the integrated wage":"60% den phá comhtháite","Dismissed without just cause":"Dífhostaithe gan chúis chóir","The employer owes 3 months of integrated pay (art. 48 and 50 LFT), 20 days per year of service when it refuses to reinstate you (commonly paid in settlements), and the seniority premium of 12 days per year with pay capped at twice the minimum wage (art. 162). The settlement (finiquito) also pays outstanding pay, the pro-rata aguinaldo, holidays and vacation premium. 90 UMA per year of service are tax-free; the rest is taxed at the average rate of your last monthly salary.":"Tá 3 mhí de phá comhtháite dlite ag an bhfostóir (alt 48 agus 50 LFT), 20 lá in aghaidh gach bliana seirbhíse nuair a dhiúltaíonn sé thú a athfhostú (íoctar go coitianta i socruithe), agus an phréimh sinsearachta 12 lá sa bhliain le pá teoranta do dhá oiread an íosphá (alt 162). Íocann an socrú deiridh (finiquito) freisin pá atá amuigh, aguinaldo pro rata, saoire agus préimh saoire. Tá 90 UMA in aghaidh gach bliana seirbhíse saor ó cháin; gearrtar cáin ar an gcuid eile ag meánráta do thuarastail mhíosúil dheiridh.","Resignation and unemployment":"Éirí as agus dífhostaíocht","If you resign you get the finiquito and, after 15 years, the seniority premium. There is no federal unemployment insurance; after 46 days without work you can withdraw part of your AFORE retirement savings, and Mexico City runs its own unemployment insurance.":"Má éiríonn tú as faigheann tú an finiquito agus, tar éis 15 bliana, an phréimh sinsearachta. Níl árachas dífhostaíochta cónaidhme ann; tar éis 46 lá gan obair is féidir leat cuid de do choigilteas scoir AFORE a tharraingt siar, agus tá a árachas dífhostaíochta féin ag Cathair Mheicsiceo.","Up to MXN 11,492.66 a month the employment subsidy of MXN 535.65 lowers your ISR every month.":"Suas le MXN 11,492.66 sa mhí laghdaíonn an fóirdheontas fostaíochta MXN 535.65 do ISR gach mí.","Check your AFORE statement and register your account: the employer’s contributions rise every year until 2030, and the Infonavit 5% can go towards a home loan.":"Seiceáil do ráiteas AFORE agus cláraigh do chuntas: ardaíonn ranníocaíochtaí an fhostóra gach bliain go 2030, agus is féidir an 5% Infonavit a úsáid d’iasacht tí.","There is no universal child benefit; the Rita Cetina scholarship is paid per family for pupils in public secondary schools (not included). Spouses file separately.":"Níl liúntas leanaí uilíoch ann; íoctar scoláireacht Rita Cetina in aghaidh an teaghlaigh do dhaltaí i meánscoileanna poiblí (níl sé san áireamh). Comhdaíonn céilí ar leith.","3 months + 20 days a year + seniority premium":"3 mhí + 20 lá sa bhliain + préimh sinsearachta","12 weeks at 100% (IMSS)":"12 seachtaine ar 100% (IMSS)","5 working days at full pay":"5 lá oibre ar phá iomlán","60% from day 4 (IMSS)":"60% ón 4ú lá (IMSS)","Monthly withholding for one employee with the 2026 tariff, the employment subsidy and the minimum aguinaldo; the annual adjustment can change the final tax. Personal deductions in the annual return (medical, school fees, mortgage interest), PTU profit sharing, savings funds, food vouchers and the state payroll tax are not modelled.":"Coinneáil siar mhíosúil d’fhostaí amháin leis an tabla 2026, an fóirdheontas fostaíochta agus an aguinaldo íosta; d’fhéadfadh an coigeartú bliantúil an cháin dheiridh a athrú. Ní áirítear asbhaintí pearsanta sa tuairisceán bliantúil (costais leighis, táillí scoile, ús morgáiste), comhroinnt brabúis PTU, cistí coigilte, dearbháin bhia ná cáin phárolla na stát.","Official sources: SAT (Anexo 8 RMF 2026 tariffs), DOF (employment subsidy decree of 31 December 2025, pension reform of 16 December 2020, 40-hour reform of 3 March 2026), INEGI (UMA 2026, INPC, ENIGH 2024), CONASAMI (minimum wages 2026), IMSS (Ley del Seguro Social, Pension Fund for Wellbeing 2026), Secretaría de Bienestar, Ley Federal del Trabajo, CONSAR.":"Foinsí oifigiúla: SAT (táblaí Anexo 8 RMF 2026), DOF (foraithne an fhóirdheontais fostaíochta an 31 Nollaig 2025, athchóiriú pinsin an 16 Nollaig 2020, athchóiriú 40 uair an 3 Márta 2026), INEGI (UMA 2026, INPC, ENIGH 2024), CONASAMI (íosphánna 2026), IMSS (Ley del Seguro Social, Ciste Pinsin an Fholláine 2026), Secretaría de Bienestar, Ley Federal del Trabajo, CONSAR.","Monthly ISR on a salary of MXN 20,000":"ISR míosúil ar thuarastal MXN 20,000","Monthly ISR on MXN 10,000 after the employment subsidy":"ISR míosúil ar MXN 10,000 tar éis an fhóirdheontais fostaíochta","Employment subsidy per month (February–December 2026)":"Fóirdheontas fostaíochta sa mhí (Feabhra–Nollaig 2026)","Tax-free part of the aguinaldo (30 UMA)":"An chuid den aguinaldo atá saor ó cháin (30 UMA)","IMSS employee quota per day on an integrated wage of MXN 500":"Ranníocaíocht IMSS fostaí sa lá ar phá comhtháite MXN 500","Employer old-age (CEAV) rate in 2026, pay above 4 UMA":"Ráta seanaoise (CEAV) an fhostóra in 2026, pá os cionn 4 UMA","Weeks of contributions needed for a pension in 2026":"Seachtainí ranníocaíochtaí atá ag teastáil do phinsean in 2026","Pensión Bienestar for people aged 65+ (per month)":"Pensión Bienestar do dhaoine 65+ (sa mhí)","Pension Fund for Wellbeing ceiling 2026 (per month)":"Uasteorainn Chiste Pinsin an Fholláine 2026 (sa mhí)","Seniority premium per year at a high salary (12 days at 2 minimum wages)":"Préimh sinsearachta sa bhliain ar thuarastal ard (12 lá ag 2 íosphá)","Tax-free severance per year of service (90 UMA)":"Íocaíocht iomarcaíochta saor ó cháin in aghaidh gach bliana seirbhíse (90 UMA)","Paid holidays in the 6th year of service (days)":"Laethanta saoire sa 6ú bliain seirbhíse","RESICO tax on MXN 400,000 of yearly revenue":"Cáin RESICO ar MXN 400,000 d’ioncam bliantúil","Real estate agent fee, legal maximum (3% + ¥60,000 + 10% consumption tax)":"Táille gníomhaire eastáit, uasmhéid dlíthiúil (3% + ¥60,000 + 10% cáin tomhaltais)","Stamp duty on the sale contract (reduced rate to March 2027) and the loan contract":"Dleacht stampála ar an gconradh díolacháin (ráta laghdaithe go Márta 2027) agus ar an gconradh iasachta","Registration tax, real estate acquisition tax and judicial scrivener (estimate, about 1%)":"Cáin chlárúcháin, cáin fála réadmhaoine agus scríobhaí breithiúnach (meastachán, thart ar 1%)","Loan guarantee and bank fees (estimate, about 2.2% of the loan)":"Ráthaíocht iasachta agus táillí bainc (meastachán, thart ar 2.2% den iasacht)","Acquisition tax ISAI (set by each state, about 2–4.5%; 3% used)":"Cáin fála ISAI (socraíonn gach stát í, thart ar 2–4.5%; úsáidtear 3%)","Notary, appraisal and public registry (estimate, about 2%)":"Nótaire, luacháil agus clár poiblí (meastachán, thart ar 2%)","Bank opening fee (estimate, about 1% of the loan)":"Táille oscailte bainc (meastachán, thart ar 1% den iasacht)","Housing loan credit: 0.7% of the year-end balance (up to ¥20 million for an ordinary existing home, 10 years; more and 13 years for energy-efficient homes), limited to your income tax plus part of the resident tax (at most ¥97,500)":"Creidmheas iasachta tí: 0.7% den iarmhéid ag deireadh na bliana (suas le ¥20 milliún do theach reatha gnáth, 10 mbliana; níos mó agus 13 bliana do thithe atá éifeachtach ó thaobh fuinnimh), teoranta do do cháin ioncaim móide cuid den cháin chónaitheora (¥97,500 ar a mhéad)","Real interest (interest above inflation, estimated with 3.5%) on a home loan of up to 750,000 UDIs is a personal deduction in the annual return, within the overall cap of 15% of income or 5 yearly UMA; worth your top ISR rate":"Is asbhaint phearsanta sa tuairisceán bliantúil é ús réadach (ús os cionn an bhoilscithe, measta ag 3.5%) ar iasacht tí suas le 750,000 UDI, laistigh den uasteorainn iomlán 15% den ioncam nó 5 UMA bhliantúla; is fiú é ag do ráta ISR is airde","No official limits. Japanese banks often lend up to 100% of the price; the public Flat 35 loan caps all loan payments at 30% of gross income below ¥4 million and 35% above, and charges more when the loan exceeds 90% of the price.":"Gan teorainneacha oifigiúla. Is minic a thugann bainc na Seapáine iasacht suas le 100% den phraghas; cuireann an iasacht phoiblí Flat 35 teorainn 30% den ioncam comhlán ar gach aisíocaíocht iasachta faoi ¥4 milliún agus 35% os a chionn, agus gearrann sí níos mó nuair a sháraíonn an iasacht 90% den phraghas.","No binding borrower limits. Banks usually lend up to 80–90% of the value with payments of about 30–40% of income; Infonavit and Fovissste loans use a points system and your housing account, and can be combined with a bank loan (Cofinavit).":"Gan teorainneacha ceangailteacha. De ghnáth tugann bainc iasacht suas le 80–90% den luach le híocaíochtaí thart ar 30–40% den ioncam; úsáideann iasachtaí Infonavit agus Fovissste córas pointí agus do chuntas tithíochta, agus is féidir iad a chomhcheangal le hiasacht bhainc (Cofinavit).","Your iDeCo":"Do iDeCo","Your AFORE":"Do AFORE","Gross plus employer social security and TFR. You take home {p}.":"Comhlán móide ranníocaíochtaí sóisialta an fhostóra agus TFR. Coinníonn tú {p}.","Gross plus employer social security. You take home {p}.":"Comhlán móide ranníocaíochtaí sóisialta an fhostóra. Coinníonn tú {p}.","Legal minimum annual leave, 5-day week":"Saoire reachtúil íosta, seachtain 5 lá","State fee to register a €150,000 home":"Táille stáit chun teach €150.000 a chlárú","CAS pension contribution 25% (incl. 4.75% to Pillar II)":"Ranníoc pinsin CAS 25% (agus 4,75% de sin chuig an dara colún)","CASS health contribution 10%":"Ranníoc sláinte CASS 10%","Personal deduction (per year)":"Asbhaint phearsanta (in aghaidh na bliana)","RON 200 a month free of tax and contributions (minimum wage)":"RON 200 sa mhí saor ó cháin agus ó ranníocaí (pá íosta)","Employer work insurance contribution (CAM) 2.25%":"Ranníoc árachais oibre an fhostóra (CAM) 2,25%","Public pension: {p} contribution points (your pay divided by the average gross wage of RON 9,192, year by year) plus {s} stability points for the years above 25, times the reference value of RON 81 (frozen in 2026). Pension age is {a} in 2026 (women’s age rises to 65 by 2035) with at least 15 years. Above RON 3,000 a month pensions pay 10% health contribution and 10% income tax. Pillar II (4.75% of pay) pays its own pension on top.":"Pinsean stáit: {p} pointe ranníoca (do phá roinnte ar an meánphá comhlán RON 9.192, bliain ar bhliain) móide {s} pointe cobhsaíochta do na blianta thar 25, méadaithe faoin luach tagartha RON 81 (reoite in 2026). Is é {a} aois an phinsin in 2026 (ardóidh aois na mban go 65 faoi 2035) le 15 bliana ar a laghad. Os cionn RON 3.000 sa mhí, íocann pinsin 10% ranníoc sláinte agus 10% cáin ioncaim. Íocann an dara colún (4,75% den phá) a phinsean féin freisin.","CAS 25% and CASS 10% for a PFA":"CAS 25% agus CASS 10% do PFA","{u} a month for {n} months (75% of the RON 660 social reference indicator + {p} of your average gross pay)":"{u} sa mhí ar feadh {n} mí (75% den táscaire sóisialta tagartha RON 660 + {p} de do mheánphá comhlán)","{n} months, RON 495 + {p} of pay":"{n} mí, RON 495 + {p} den phá","20 working days (45 for managers)":"20 lá oibre (45 do bhainisteoirí)","20 working days":"20 lá oibre","Labour Code art. 75 and 81":"Cód Saothair airt. 75 agus 81","Romania":"An Rómáin","Contributions and income tax 2026":"Ranníocaí agus cáin ioncaim 2026","Employees pay 25% CAS for pension (4.75% of it goes to the private Pillar II fund) and 10% CASS for health; income tax is 10% of pay after contributions and the personal deduction. The employer only pays a 2.25% work insurance contribution (CAM).":"Íocann fostaithe 25% CAS don phinsean (téann 4,75% de sin chuig ciste príobháideach an dara colún) agus 10% CASS don tsláinte; is é 10% den phá tar éis ranníocaí agus na hasbhainte pearsanta an cháin ioncaim. Ní íocann an fostóir ach ranníoc árachais oibre 2,25% (CAM).","Personal deduction and minimum wage":"Asbhaint phearsanta agus pá íosta","The personal deduction is 20% of the minimum wage for monthly pay up to the minimum wage (25%, 30%, 35% and 45% with 1, 2, 3 or 4+ dependants) and falls by 0.5 points for each RON 50 above it, ending at the minimum wage + RON 2,000. The minimum wage is RON 4,325 from 1 July 2026 (RON 4,050 before); for workers on the minimum wage RON 200 a month (RON 300 until June) is free of tax and contributions while gross pay stays at or below RON 4,600.":"Is é 20% den phá íosta an asbhaint phearsanta do phá míosúil suas go dtí an pá íosta (25%, 30%, 35% agus 45% le 1, 2, 3 nó 4+ cleithiúnaí) agus laghdaíonn sé 0,5 pointe céatadáin do gach RON 50 os a chionn, go dtí go stopann sé ag an bpá íosta + RON 2.000. Is é RON 4.325 an pá íosta ón 1 Iúil 2026 (RON 4.050 roimhe sin); dóibh siúd ar an bpá íosta, tá RON 200 sa mhí (RON 300 go Meitheamh) saor ó cháin agus ó ranníocaí fad nach mó ná RON 4.600 an pá comhlán.","Overtime is first compensated with paid time off within the next 60 days; if that is not possible it is paid with at least 75% extra. Working time may not exceed 48 hours a week on average. Night work earns at least 25% extra (or one hour less work), and work on public holidays is paid double if no time off is given.":"Cúitítear ragobair ar dtús le ham saor íoctha laistigh de 60 lá; mura féidir sin, íoctar é le forlíontas 75% ar a laghad. Ní féidir le huaireanta oibre dul thar 48 uair sa tseachtain ar an meán. Tugann obair oíche 25% breise ar a laghad (nó uair níos lú oibre), agus íoctar obair ar lá saoire poiblí faoi dhó mura dtugtar am saor.","PFA (sole trader, real system)":"PFA (gnó aonair, cánachas ar ioncam iarbhír)","Net income is taxed at 10%. CAS of 25% is due on 12 minimum wages (RON 48,600) when income is between 12 and 24 minimum wages and on 24 (RON 97,200) above; CASS of 10% applies to income between 6 and 72 minimum wages. For 2026 income the thresholds use the RON 4,050 minimum wage of 1 January 2026.":"Gearrtar 10% cánach ar an nglanioncam. Íoctar CAS 25% ar 12 phá íosta (RON 48.600) nuair a bhíonn an t-ioncam idir 12 agus 24 phá íosta, agus ar 24 (RON 97.200) os a chionn sin; baineann CASS 10% le hioncam idir 6 agus 72 phá íosta. D'ioncam 2026 úsáidtear an pá íosta RON 4.050 ar an 1 Eanáir 2026.","Points system (Law 360/2023)":"Córas pointí (Dlí 360/2023)","Each year adds points equal to your gross pay divided by the national average gross wage; for years above 25, stability points are added (0.5 a year for years 26–30, 0.75 for 31–35 and 1 after 35). The pension is total points × the reference value, RON 81 since 2024 and frozen in 2026.":"Tugann gach bliain pointí cothrom le do phá comhlán roinnte ar an meánphá comhlán náisiúnta; do bhlianta thar 25 cuirtear pointí cobhsaíochta leo (0,5 sa bhliain do bhlianta 26–30, 0,75 do 31–35 agus 1 tar éis 35). Is é an pinsean suim na bpointí × an luach tagartha, RON 81 ó 2024 agus reoite in 2026.","65 for men; for women 62 years and 7 months from July 2026, rising to 65 by 2035, with a full career of 35 years (women 33 years and 5 months) and at least 15 years. Early retirement is possible up to 5 years before with a full career, with a reduction.":"65 d'fhir; do mhná 62 bliana agus 7 mí ó Iúil 2026, ag ardú go 65 faoi 2035, le gairm iomlán 35 bliana (mná 33 bliana agus 5 mhí) agus 15 bliana ar a laghad. Is féidir pinsean luath suas le 5 bliana roimhe le gairm iomlán, le laghdú.","Pillar III contributions are deductible from the income tax base up to the equivalent of €400 a year (about RON 2,000); the employer can also contribute up to €400 a year tax-free.":"Is féidir ranníocaí an tríú colún a asbhaint ón mbonn cánach suas le coibhéis €400 sa bhliain (thart ar RON 2.000); is féidir leis an bhfostóir suas le €400 sa bhliain a ranníoc saor ó cháin freisin.","Voluntary private pensions (Pillar III): contributions up to €400 a year reduce income tax; payouts from 60 are taxed like pensions (10% income tax above RON 3,000 a month). Pillar II, financed from your CAS, pays a separate pension on top of the state one.":"Pinsin phríobháideacha dheonacha (an tríú colún): laghdaíonn ranníocaí suas le €400 sa bhliain an cháin; gearrtar cáin ar íocaíochtaí ó aois 60 mar phinsean (10% os cionn RON 3.000 sa mhí). Íocann an dara colún, maoinithe ag do CAS, pinsean ar leith chomh maith leis an bpinsean stáit.","Day after New Year":"An lá i ndiaidh Lá Caille","St John the Baptist":"Eoin Baiste","Union of the Romanian Principalities":"Aontú Phrionsachtaí na Rómáine","Orthodox Good Friday":"Aoine an Chéasta Cheartchreidmheach","Orthodox Easter Sunday":"Domhnach Cásca Ceartchreidmheach","Orthodox Easter Monday":"Luan Cásca Ceartchreidmheach","Orthodox Pentecost":"Cincís Cheartchreidmheach","St Andrew’s Day":"Lá San Aindrias","At least 20 working days of paid leave a year; collective agreements and seniority often add more. The public holidays follow the Orthodox calendar (Easter and Pentecost); when Whit Monday falls on 1 June (Children’s Day), as in 2026, it is a single day off.":"20 lá oibre ar a laghad de shaoire íoctha sa bhliain; is minic a thugann comhaontuithe comhchoiteanna agus seirbhís níos mó. Leanann na laethanta saoire poiblí an féilire Ceartchreidmheach (Cáisc agus Cincís); nuair a thiteann Luan Cincíse ar an 1 Meitheamh (Lá na bPáistí), mar a tharlaíonn in 2026, ní bhíonn ach lá saor amháin ann.","126 days (63 before and 63 after the birth)":"126 lá (63 roimh an mbreith agus 63 ina diaidh)","85% of your average insured income":"85% de do mheánioncam árachaithe","Child-raising leave":"Saoire chun leanbh a thógáil","Until the child is 2 (3 with a disability); at least 2 months are reserved for the other parent":"Go dtí go mbíonn an leanbh 2 bhliain d'aois (3 le míchumas); tá 2 mhí ar a laghad curtha in áirithe don tuismitheoir eile","85% of average net income, within a minimum and maximum":"85% den mheánghlanioncam, le híosmhéid agus uasmhéid","10 working days (15 after a childcare course)":"10 lá oibre (15 tar éis cúrsa cúraim naíonán)","State child allowance":"Liúntas stáit leanaí","RON 719 a month under 2, RON 292 from 2 to 18":"RON 719 sa mhí faoi bhun 2 bhliain, RON 292 ó 2 go 18","Not taxed":"Saor ó cháin","First 5 days paid by the employer, then by the health fund":"Íocann an fostóir an chéad 5 lá, ansin an ciste sláinte","75% of average income (from 2026 lower for short absences)":"75% den mheánioncam (ó 2026 níos lú d'neamhláithreacht ghearr)","Dismissed for reasons not related to me":"Dífhostaithe ar chúiseanna nach mbaineann liom","When the employer dismisses you for reasons not related to you, the notice is at least 20 working days. The Labour Code sets no general severance pay; it is due only if a collective or individual agreement provides it (often 1–3 months’ pay in collective dismissals).":"Nuair a dhífhostaíonn an fostóir thú ar chúiseanna nach mbaineann leat, is é 20 lá oibre ar a laghad an fógra. Ní leagann an Cód Saothair síos íocaíocht iomarcaíochta ghinearálta; ní íoctar í ach má fhoráiltear di i gcomhaontú comhchoiteann nó aonair (go minic 1–3 mhí pá in olliomarcaíochtaí).","After at least 12 months of contributions in the last 24: 75% of the social reference indicator (RON 495) plus 3%, 5%, 7% or 10% of your average gross pay with at least 3, 5, 10 or 20 years insured; paid for 6 months (1–5 years), 9 months (5–10) or 12 months (10+).":"Tar éis 12 mhí ranníocaí ar a laghad sna 24 mhí deiridh: 75% den táscaire sóisialta tagartha (RON 495) móide 3%, 5%, 7% nó 10% de do mheánphá comhlán le 3, 5, 10 nó 20 bliain árachais ar a laghad; íoctar é ar feadh 6 mhí (1–5 bliana), 9 mí (5–10) nó 12 mhí (10+).","Between the minimum wage and RON 6,325 a month you still get part of the personal deduction; it shrinks by 0.5 points of the minimum wage for every RON 50 of extra pay.":"Idir an pá íosta agus RON 6.325 sa mhí faigheann tú cuid den asbhaint phearsanta fós; laghdaíonn sé 0,5 pointe céatadáin den phá íosta do gach RON 50 breise.","Part of your CAS (4.75% of gross pay) goes to your own Pillar II account; you can check the balance with your fund.":"Téann cuid de do CAS (4,75% den phá comhlán) chuig do chuntas féin sa dara colún; feiceann tú an t-iarmhéid ag do chiste.","The state child allowance (RON 292 a month from age 2 to 18, RON 719 under 2) is shown separately. Dependants raise the personal deduction for the parent who claims them.":"Taispeántar an liúntas stáit leanaí (RON 292 sa mhí ó 2 go 18 bliana, RON 719 faoi bhun 2) ar leith. Ardaíonn cleithiúnaithe asbhaint phearsanta an tuismitheora a dhearbhaíonn iad.","126 days at 85%, then child-raising leave at 85% until age 2":"126 lá ag 85%, ansin saoire tógála ag 85% go haois 2","10 working days at full pay":"10 lá oibre ar lánphá","Until age 2, 2 months reserved for each parent":"Go haois 2, 2 mhí curtha in áirithe do gach tuismitheoir","75% (employer 5 days, then health fund)":"75% (an fostóir 5 lá, ansin an ciste sláinte)","Monthly tax and contributions for one employee under the rules in force from 1 July 2026 (minimum wage RON 4,325, RON 200 untaxed), applied to the whole year. Exemptions for IT, construction and agriculture were abolished; meal vouchers, holiday vouchers and the deduction for young people are not modelled.":"Cáin agus ranníocaí míosúla d'fhostaí faoi na rialacha ón 1 Iúil 2026 (pá íosta RON 4.325, RON 200 saor ó cháin), curtha i bhfeidhm ar an mbliain ar fad. Cuireadh deireadh leis na díolúintí don TF, don tógáil agus don talmhaíocht; ní ríomhtar dearbháin bhia, dearbháin saoire ná an asbhaint do dhaoine óga.","Official sources: ANAF and the Fiscal Code (Law 227/2015, art. 76–78, 138^3–138^4, 148–170), Government Decision 146/2026 (minimum wage), Law 360/2023 and Law 141/2025 (pensions, CASS on pensions), CNPP, ANOFM (unemployment benefit, ISR), Labour Code, National Bank of Romania (lending limits), INS, Eurostat.":"Foinsí oifigiúla: ANAF agus an Cód Fioscach (Dlí 227/2015, airt. 76–78, 138^3–138^4, 148–170), Cinneadh Rialtais 146/2026 (pá íosta), Dlí 360/2023 agus Dlí 141/2025 (pinsin, CASS ar phinsin), CNPP, ANOFM (sochar dífhostaíochta, ISR), an Cód Saothair, Banc Náisiúnta na Rómáine (teorainneacha iasachta), INS, Eurostat.","Net pay on the RON 4,325 minimum wage from July 2026":"Glanphá ar an bpá íosta RON 4.325 ó Iúil 2026","Personal deduction on RON 4,325 gross, no dependants":"Asbhaint phearsanta ag RON 4.325 comhlán, gan chleithiúnaithe","Personal deduction on RON 5,325 gross, no dependants":"Asbhaint phearsanta ag RON 5.325 comhlán, gan chleithiúnaithe","Pension after 35 years on the average wage (per month)":"Pinsean tar éis 35 bliana ar an meánphá (sa mhí)","Basic unemployment benefit (75% of the ISR)":"Bunmhéid an tsochair dífhostaíochta (75% den ISR)","Unemployment benefit duration with 12 years insured (months)":"Tréimhse sochair le 12 bhliain árachais (míonna)","PFA pension contribution (CAS) on RON 60,000 of net income":"Ranníoc pinsin (CAS) do PFA ag RON 60.000 glanioncaim","State child allowance, 2 children aged 2–18 (per year)":"Liúntas stáit leanaí, 2 leanbh 2–18 mbliana (in aghaidh na bliana)","Social insurance 9.4%":"Árachas sóisialta 9,4%","Health insurance 5%":"Árachas sláinte 5%","Income tax (19% / 25% / 30% / 35%)":"Cáin ioncaim (19% / 25% / 30% / 35%)","Child tax bonus":"Bónas cánach leanaí","Non-taxable part of the tax base":"Cuid neamh-inchánach den bhonn","Employer contributions (about 36%)":"Ranníocaí fostóra (thart ar 36%)","Old-age pension: your average personal wage point {p} (your pay divided by the average wage) × {y} years × the current pension value of €19.7633 (2026). Pension age is about 64 (lower for older people and for mothers, by 6 months per child); you can retire up to 2 years earlier with 0.5% less per month. Pensions are not taxed, a 13th pension is paid each December, and the second pillar (if you joined it) pays its own pension.":"Pinsean seanaoise: do mheánchomhéifeacht phearsanta pá {p} (do phá roinnte ar an meánphá) × {y} bliain × an luach pinsin reatha €19,7633 (2026). Is é thart ar 64 aois an phinsin (níos ísle do dhaoine níos sine agus do mháithreacha, 6 mhí in aghaidh an linbh); is féidir leat dul suas le 2 bhliain níos luaithe le 0,5% níos lú sa mhí. Ní ghearrtar cáin ar phinsin, íoctar 13ú pinsean i mí na Nollag, agus íocann an dara colún (má chuaigh tú isteach ann) a phinsean féin.","Social 33.15% + health 16% (self-employed)":"Árachas sóisialta 33,15% + sláinte 16% (féinfhostaithe)","Severance pay (odstupné, {m} months)":"Íocaíocht iomarcaíochta (odstupné, {m} mí)","After resigning you can claim it only if you were insured for 2 of the last 4 years; shown as none":"Tar éis éirí as ach amháin le 2 bhliain árachais sna 4 bliana deiridh; taispeántar mar náid é","{a} a month for 3 months (50%), then 40%, 30% and 20% (6 months in total, rules from 2026)":"{a} sa mhí ar feadh 3 mhí (50%), ansin 40%, 30% agus 20% (6 mhí san iomlán, rialacha ó 2026)","Severance (dismissal)":"Íocaíocht iomarcaíochta (dífhostú)","{n} months":"{n} mí","Labour Code § 62 (dismissal by the employer)":"Cód Saothair § 62 (dífhostú ag an bhfostóir)","Slovakia":"An tSlóvaic","Since 2026 the tax base is taxed in four bands: 19% up to €43,983.32, 25% up to €60,349.21, 30% up to €75,010.32 and 35% above. The non-taxable part per taxpayer is €5,966.73 a year for a tax base up to €26,083.13 and then falls (€14,661.11 minus a third of the tax base) to nil at €43,983.32. The child tax bonus is €100 a month per child under 15 and €50 from 15 to 18, limited by a share of the tax base and reduced at higher incomes.":"Ó 2026 gearrtar cáin ar an mbonn i gceithre bhanda: 19% suas le €43.983,32, 25% suas le €60.349,21, 30% suas le €75.010,32 agus 35% os a chionn sin. Is é €5.966,73 sa bhliain an chuid neamh-inchánach in aghaidh an íocóra cánach do bhonn suas le €26.083,13 agus laghdaíonn sé ansin (€14.661,11 lúide trian den bhonn) go náid ag €43.983,32. Is é €100 sa mhí an bónas leanaí in aghaidh gach linbh faoi bhun 15 agus €50 ó 15 go 18, teoranta do chion den bhonn agus laghdaithe d'ioncaim níos airde.","Employees pay 9.4% social insurance (up to €16,764 a month) and 5% health insurance (raised from 4% in 2026, no ceiling). Employers pay about 25.2% social and 11% health insurance. Minimum wage €915 a month.":"Íocann fostaithe 9,4% árachas sóisialta (suas le €16.764 sa mhí) agus 5% árachas sláinte (ardaithe ó 4% in 2026, gan uasteorainn). Íocann fostóirí thart ar 25,2% árachas sóisialta agus 11% árachas sláinte. Pá íosta €915 sa mhí.","Overtime pays at least 25% extra (35% for risky work), or time off instead by agreement; it is limited to 150 hours a year ordered by the employer and 400 hours in total. Night work adds at least 40% of the minimum hourly wage, Saturday work 50%, Sunday work 100% and public holidays 100% of your average earnings.":"Íoctar ragobair le forlíontas 25% ar a laghad (35% d'obair chontúirteach) nó le ham saor comhaontaithe; is féidir leis an bhfostóir suas le 150 uair sa bhliain a ordú agus 400 san iomlán. Tugann obair oíche 40% ar a laghad den íosphá in aghaidh na huaire, obair Dé Sathairn 50%, obair Dé Domhnaigh 100% agus laethanta saoire poiblí 100% de do mheánphá.","150 h / year (400 by agreement)":"150 u / bliain (400 trí chomhaontú)","Self-employed (SZČO)":"Féinfhostaithe (SZČO)","With flat expenses of 60% (up to €20,000 a year), social insurance is 33.15% and health insurance 16% of profit divided by 1.486, at least €914.40 (social) and €762 (health) a month in 2026. Income tax is 15% if revenue does not exceed €100,000, after the non-taxable part.":"Le costais chothromráta 60% (suas le €20.000 sa bhliain), is é 33,15% an t-árachas sóisialta agus 16% an t-árachas sláinte den bhrabús roinnte ar 1,486, ar a laghad €914,40 (sóisialta) agus €762 (sláinte) sa mhí in 2026. Is é 15% an cháin ioncaim mura mó ná €100.000 an láimhdeachas, tar éis na coda neamh-inchánaí.","The pension is the average personal wage point (your pay compared with the average wage in each year) × years of insurance × the current pension value, €19.7633 in 2026. You need at least 15 years. Pension age is capped at 64 and is lower for older cohorts and for mothers (6 months less per child, up to 18 months).":"Is é an pinsean an mheánchomhéifeacht phearsanta pá (do phá i gcomparáid leis an meánphá gach bliain) × blianta árachais × an luach pinsin reatha, €19,7633 in 2026. Teastaíonn 15 bliana ar a laghad. Is é 64 ar a mhéad aois an phinsin agus níos ísle do ghlúnta níos sine agus do mháithreacha (6 mhí níos lú in aghaidh an linbh, suas le 18 mí).","Indexation and extras":"Innéacsú agus breiseáin","Pensions rose 3.7% in January 2026. Pensions are not taxed. A 13th pension is paid every December, and savers in the second pillar receive part of their pension from their own account.":"Ardaíodh pinsin 3,7% in Eanáir 2026. Ní ghearrtar cáin ar phinsin. Íoctar 13ú pinsean gach Nollaig, agus faigheann coigilteoirí an dara colún cuid dá bpinsean óna gcuntas féin.","Third-pillar contributions (DDS) reduce your tax base by up to €180 a year; employer contributions are taxed as your income but free of health insurance up to 6% of pay.":"Laghdaíonn ranníocaí an tríú colún (DDS) do bhonn suas le €180 sa bhliain; gearrtar cáin ar ranníocaí an fhostóra mar d'ioncam ach tá siad saor ó árachas sláinte suas le 6% den phá.","Supplementary pension savings (third pillar, DDS): you and your employer can contribute; your own contributions are deductible up to €180 a year. Payouts from age 62 are taxed at 19% on the part above your contributions (about 7% of the final balance here).":"Coigilt pinsin fhorlíontach (an tríú colún, DDS): is féidir leatsa agus le d'fhostóir ranníoc; is féidir do ranníocaí féin a asbhaint suas le €180 sa bhliain. Gearrtar 19% cánach ar íocaíochtaí ó aois 62 ar an gcuid os cionn do ranníocaí (anseo thart ar 7% den iarmhéid deiridh).","Day of the Establishment of the Slovak Republic":"Lá Bunaithe Phoblacht na Slóvaice","Victory over Fascism":"An Bua ar an bhFaisisteachas","St Cyril and Methodius":"Ciril agus Meitidias","Slovak National Uprising":"Éirí Amach Náisiúnta na Slóvaice","Our Lady of Sorrows":"Seacht nDólás na Maighdine Muire","Struggle for Freedom and Democracy Day":"Lá na Troda ar son na Saoirse agus an Daonlathais","4 weeks of paid leave a year, and 5 weeks from the year you turn 33 or if you care for a child permanently. Under the 2026 consolidation package 8 May and 15 September are working days in 2026 and 17 November has been abolished as a day off.":"4 seachtaine de shaoire íoctha sa bhliain, agus 5 seachtaine ón mbliain ina mbíonn tú 33 nó má thugann tú aire bhuan do leanbh. Le pacáiste comhdhlúthaithe 2026, is laethanta oibre iad an 8 Bealtaine agus an 15 Meán Fómhair in 2026 agus cuireadh deireadh leis an 17 Samhain mar lá saor.","Maternity benefit":"Sochar máithreachais (materské)","34 weeks (37 for single mothers)":"34 seachtaine (37 do mháithreacha aonair)","75% of your daily assessment base":"75% de do bhonn ríomha laethúil","Paternity benefit":"Sochar atharthachta","2 weeks in the first 6 weeks after the birth; a father can also take maternity benefit later":"2 sheachtain laistigh den chéad 6 seachtaine tar éis na breithe; is féidir leis an athair an sochar máithreachais a fháil níos déanaí freisin","75% of the daily assessment base":"75% den bhonn ríomha laethúil","Parental allowance":"Liúntas tuismitheora","Until the child is 3 (6 with long-term illness)":"Go dtí go mbíonn an leanbh 3 bliana d'aois (6 le tinneas fadtéarmach)","Flat monthly amount (higher after maternity benefit)":"Méid seasta míosúil (níos airde tar éis an tsochair mháithreachais)","Child benefit":"Liúntas leanaí","€60 a month per child":"€60 sa mhí in aghaidh an linbh","Not taxed, on top of the child tax bonus":"Saor ó cháin, chomh maith leis an mbónas leanaí","Days 1–10 paid by the employer, then sickness benefit from the Social Insurance Agency":"Íocann an fostóir laethanta 1–10, ansin sochar breoiteachta ón nGníomhaireacht Árachais Shóisialta","25% for days 1–3, then 55%":"25% do laethanta 1–3, ansin 55%","When the employer gives notice, it is 1 month under 1 year of service, 2 months for 1–5 years and 3 months after 5 years. On dismissal for organisational or health reasons severance is 1, 2, 3 or 4 months’ average earnings after 2, 5, 10 or 20 years; ending by agreement adds one more month. Severance is taxed and pays health insurance but no social insurance.":"Nuair a dhífhostaíonn an fostóir, is é 1 mhí an fógra faoi bhun 1 bhliain seirbhíse, 2 mhí le 1–5 bliana agus 3 mhí tar éis 5 bliana. I gcás dífhostaithe ar chúiseanna eagrúcháin nó sláinte, is é 1, 2, 3 nó 4 mhí meánphá an íocaíocht iomarcaíochta tar éis 2, 5, 10 nó 20 bliain; tugann foirceannadh trí chomhaontú mí eile. Gearrtar cáin agus árachas sláinte ar an íocaíocht ach ní árachas sóisialta.","After 2 years of unemployment insurance in the last 4: 50% of your daily assessment base for the first 3 months, then 40%, 30% and 20% for months 4, 5 and 6 (for people registering from 1 January 2026).":"Tar éis 2 bhliain árachais dífhostaíochta sna 4 bliana deiridh: 50% de do bhonn ríomha laethúil don chéad 3 mhí, ansin 40%, 30% agus 20% i míonna 4, 5 agus 6 (dóibh siúd a chláraíonn ón 1 Eanáir 2026).","Your tax base is in the range where the non-taxable part shrinks, so each extra euro is taxed at about 25% instead of 19%.":"Tá do bhonn cánach sa raon ina gcúngaíonn an chuid neamh-inchánach, mar sin gearrtar thart ar 25% cánach ar gach euro breise in ionad 19%.","You can claim the €60 child benefit and the child tax bonus at the same time.":"Is féidir leat an liúntas leanaí €60 agus an bónas leanaí a fháil ag an am céanna.","The €60 child benefit is shown separately; the child tax bonus is included in the tax. A spouse with low income can give the other spouse an extra non-taxable allowance (not modelled).":"Taispeántar an liúntas leanaí €60 ar leith; tá an bónas leanaí san áireamh sa cháin. Is féidir le céile ar ioncam íseal méid breise neamh-inchánach a thabhairt don chéile eile (níl sé ríofa).","Odstupné ({m} months)":"Odstupné ({m} mí)","34 weeks at 75%, then parental allowance until 3":"34 seachtaine ag 75%, ansin liúntas tuismitheora go haois 3","2 weeks at 75%":"2 sheachtain ag 75%","Until age 3 (flat allowance)":"Go haois 3 (méid seasta)","25% then 55%":"25%, ansin 55%","Annual tax and contributions for one employee with the 2026 rates and the full non-taxable part. The spouse allowance, pension-saving deductions beyond the third pillar, meal allowances and the 13th/14th salary relief are not modelled.":"Cáin agus ranníocaí bliantúla d'fhostaí le rátaí 2026 agus an chuid neamh-inchánach iomlán. Ní ríomhtar an chuid don chéile, asbhaintí coigilte pinsin seachas an tríú colún, an liúntas béile ná an faoiseamh don 13ú/14ú pá.","Official sources: Financial Administration (finančná správa: tax rates 2026, child tax bonus 2026), Act 595/2003 on income tax, Social Insurance Agency (Sociálna poisťovňa: contribution rates, current pension value 2026, unemployment benefit from 2026), Labour Code (Act 311/2001), Ministry of Labour (minimum wage 2026, child benefit), National Bank of Slovakia (lending limits), Eurostat.":"Foinsí oifigiúla: an Riarachán Airgeadais (finančná správa: rátaí cánach 2026, bónas leanaí 2026), Acht 595/2003 maidir le cáin ioncaim, an Ghníomhaireacht Árachais Shóisialta (Sociálna poisťovňa: rátaí ranníoca, luach pinsin reatha 2026, sochar dífhostaíochta ó 2026), an Cód Saothair (Acht 311/2001), an Aireacht Saothair (pá íosta 2026, liúntas leanaí), Banc Náisiúnta na Slóvaice (teorainneacha iasachta), Eurostat.","Income tax on a tax base of €80,000":"Cáin ioncaim ar bhonn €80.000","Non-taxable part at a tax base of €30,000":"Cuid neamh-inchánach ag bonn €30.000","Pension after 40 years on the average wage (per month)":"Pinsean tar éis 40 bliain ar an meánphá (sa mhí)","Severance after 12 years, dismissal (months)":"Íocaíocht iomarcaíochta tar éis 12 bhliain, dífhostú (míonna)","Minimum monthly contributions for the self-employed 2026":"Íosranníocaí míosúla d'fhéinfhostaithe 2026","Sodra social insurance 12.52% (pension, sickness, maternity)":"Árachas sóisialta Sodra 12,52% (pinsean, breoiteacht, tuismitheoireacht)","Compulsory health insurance 6.98%":"Árachas sláinte éigeantach 6,98%","Income tax (GPM 20% / 25% / 32%)":"Cáin ioncaim (GPM 20% / 25% / 32%)","Tax-free amount (NPD) per year":"Méid saor ó cháin (NPD) in aghaidh na bliana","Employer contributions 1.77%":"Ranníocaí fostóra 1,77%","Sodra old-age pension: general part {g} (basic pension €327.91 × {y} years ÷ 34.5 required years) plus individual part {i} ({u} pension units × €8.11). Pension age is 65 from 2026 with at least 15 years; up to 5 years earlier with the full record, 0.32% less per month. Pensions within the tax-free amount pay no income tax; the second pillar pays its own annuity.":"Pinsean seanaoise Sodra: cuid ghinearálta {g} (bunphinsean €327,91 × {y} bliain ÷ 34,5 bliana riachtanacha) móide cuid aonair {i} ({u} aonad pinsin × €8,11). Ó 2026 is é aois an phinsin do chách 65 le 15 bliana ar a laghad; suas le 5 bliana níos luaithe le gairm iomlán, 0,32% níos lú sa mhí. Ní ghearrtar cáin ar phinsin laistigh den mhéid saor ó cháin; íocann an dara colún a blianacht féin.","VSD 12.52% + PSD 6.98% on 90% of profit":"VSD 12,52% + PSD 6,98% ar 90% den bhrabús","Severance pay ({m} months, Labour Code art. 57)":"Íocaíocht iomarcaíochta ({m} mí, Cód Saothair airt. 57)","Long-service benefit from the Guarantee Fund ({m} months)":"Sochar seirbhíse fada ón gCiste Ráthaíochta ({m} mí)","{a} a month in months 1–3, then less, for up to 9 months (€172.95 + 45% / 35% / 25% of insured income; €370–€1,618.51; rules from 1 July 2026)":"{a} sa mhí i míonna 1–3, ansin níos lú, suas le 9 mí (€172,95 + 45% / 35% / 25% den ioncam árachaithe; €370–€1.618,51; rialacha ón 1 Iúil 2026)","Guarantee Fund":"An Ciste Ráthaíochta","1 month (2 months shortly before pension or with young children)":"1 mhí (2 mhí díreach roimh phinsean nó le leanaí óga)","Labour Code art. 57":"Cód Saothair airt. 57","Lithuania":"An Liotuáin","Employment income is taxed at 20% up to 36 average wages a year (€83,237), 25% up to 60 average wages (€138,729) and 32% above (new from 2026). The monthly tax-free amount (NPD) is €747 for pay up to the €1,153 minimum wage and falls by 49 cents per euro above it, ending at about €2,677.":"Gearrtar 20% cánach ar ioncam oibre suas le 36 meánphá sa bhliain (€83.237), 25% suas le 60 meánphá (€138.729) agus 32% os a chionn sin (nua ó 2026). Is é €747 an méid míosúil saor ó cháin (NPD) do phá suas go dtí an pá íosta €1.153 agus laghdaíonn sé 49 cent in aghaidh gach euro os a chionn sin, go dtí go stopann sé thart ar €2.677.","Sodra contributions":"Ranníocaí Sodra","Employees pay 19.5%: 12.52% social insurance (pension 8.72%, sickness 2.09%, maternity 1.71%), capped at 60 average wages a year, and 6.98% health insurance without a cap. Employers pay 1.77% (2.49% on fixed-term contracts). Members of the second pillar add 3% of pay, topped up by the state.":"Íocann fostaithe 19,5%: 12,52% árachas sóisialta (pinsean 8,72%, breoiteacht 2,09%, tuismitheoireacht 1,71%), le huasteorainn 60 meánphá sa bhliain, agus 6,98% árachas sláinte gan uasteorainn. Íocann fostóirí 1,77% (2,49% ar chonarthaí téarma sheasta). Íocann baill an dara colún 3% breise den phá, le ranníoc ón stát.","Overtime and night work are paid at least 1.5 times the normal rate, and work on a rest day or public holiday at least double. Overtime may not exceed 8 hours in a 7-day period without consent, and 180 hours a year.":"Íoctar ragobair agus obair oíche ag 1,5 oiread an ghnáthphá ar a laghad, agus obair ar lá scíthe nó ar lá saoire poiblí faoi dhó ar a laghad. Gan toiliú, ní féidir le ragobair dul thar 8 n-uaire i 7 lá agus 180 uair sa bhliain.","180 h / year":"180 u / bliain","Individual activity (pažyma)":"Gníomhaíocht aonair (pažyma)","You can deduct actual expenses or a flat 30% of income. Profit up to €20,000 is taxed at 5%; the rate rises to 15% at €35,000 and 20% at €42,500, and above that the general 20% / 25% / 32% scale applies (from 2026). Social insurance (VSD 12.52%) and health insurance (PSD 6.98%) are paid on 90% of profit.":"Is féidir leat costais iarbhír a asbhaint nó 30% cothromráta den ioncam. Gearrtar 5% cánach ar bhrabús suas le €20.000; ardaíonn an ráta go 15% ag €35.000 agus 20% ag €42.500, agus os a chionn sin baineann an scála ginearálta 20% / 25% / 32% (ó 2026). Íoctar árachas sóisialta (VSD 12,52%) agus árachas sláinte (PSD 6,98%) ar 90% den bhrabús.","Sodra old-age pension":"Pinsean seanaoise Sodra","The pension has a general part, the basic pension (€327.91 in 2026) scaled by your years of insurance against the required record (34.5 years in 2026, 35 from 2027), and an individual part: one pension unit for each year at the average wage (up to 5 a year), worth €8.11 each in 2026.":"Tá cuid ghinearálta sa phinsean, an bunphinsean (€327,91 in 2026) i gcomhréir le do bhlianta árachais i gcomparáid leis na blianta riachtanacha (34,5 bliana in 2026, 35 ó 2027), agus cuid aonair: aonad pinsin amháin do gach bliain ar an meánphá (suas le 5 sa bhliain), luach €8,11 an ceann in 2026.","Age and early pension":"Aois agus pinsean luath","From 2026 the pension age is 65 for men and women, with at least 15 years. With the full required record you can retire up to 5 years earlier, with 0.32% less for each month. People without enough years can receive the social assistance pension (€261 a month).":"Ó 2026 is é 65 aois an phinsin d'fhir agus do mhná, le 15 bliana ar a laghad. Le gairm iomlán riachtanach is féidir leat dul suas le 5 bliana níos luaithe, le 0,32% níos lú do gach mí. Is féidir leo siúd nach bhfuil go leor blianta acu pinsean sóisialta a fháil (€261 sa mhí).","Third-pillar pension contributions can be deducted from taxable income in the annual return (together with other allowable expenses, up to 25% of income).":"Is féidir ranníocaí an tríú colún a asbhaint ón ioncam inchánach sa tuairisceán bliantúil (in éineacht le caiteachais eile in-asbhainte, suas le 25% den ioncam).","Third-pillar pension funds and life insurance: contributions reduce your income tax in the annual return, and payouts after pension age (or after at least 18 years) are tax-free. The second pillar (3% of your pay plus a state top-up) is a separate account inside Sodra’s system.":"Cistí pinsin an tríú colún agus árachas saoil: laghdaíonn ranníocaí an cháin sa tuairisceán, agus tá íocaíochtaí tar éis aois an phinsin (nó tar éis 18 mbliana ar a laghad) saor ó cháin. Is cuntas ar leith i gcóras Sodra é an dara colún (3% de do phá móide ranníoc ón stát).","Restoration of the State":"Athbhunú an Stáit","Mother’s Day":"Lá na Máthar","Father’s Day":"Lá an Athar","St John’s Day (Midsummer)":"Lár an tSamhraidh (Lá Fhéile Eoin)","Statehood Day":"Lá an Stáit","All Souls’ Day":"Lá na Marbh","20 working days of paid leave a year for a 5-day week (24 for a 6-day week); 25 days for workers under 18, single parents of children under 14 and disabled workers. Mother’s Day and Father’s Day always fall on a Sunday. Amendments to the Labour Code take effect on 1 November 2026.":"20 lá oibre de shaoire íoctha sa bhliain do sheachtain 5 lá (24 do sheachtain 6 lá); 25 lá d'fhostaithe faoi bhun 18, do thuismitheoirí aonair le leanaí faoi bhun 14 agus do dhaoine faoi mhíchumas. Titeann Lá na Máthar agus Lá an Athar ar an Domhnach i gcónaí. Tagann athruithe ar an gCód Saothair i bhfeidhm ar an 1 Samhain 2026.","126 days (70 before and 56 after the birth)":"126 lá (70 roimh an mbreith agus 56 ina diaidh)","77.58% of insured income":"77,58% den ioncam árachaithe","30 days during the first 3 months":"30 lá sa chéad 3 mhí","Until the child is 18 or 24 months (2 months reserved for each parent)":"Go dtí go mbíonn an leanbh 18 nó 24 mhí (2 mhí curtha in áirithe do gach tuismitheoir)","60% of income (18 months) or 45% then 30% (24 months)":"60% den ioncam (18 mí) nó 45% agus ansin 30% (24 mhí)","Child money (vaiko pinigai)":"Airgead leanaí (vaiko pinigai)","€129.50 a month per child up to 18 (longer in education)":"€129,50 sa mhí in aghaidh an linbh go 18 (níos faide agus staidéar á dhéanamh)","Days 1–2 paid by the employer, then by Sodra":"Íocann an fostóir laethanta 1–2, ansin Sodra","62.06% of insured income":"62,06% den ioncam árachaithe","Dismissed at the employer’s initiative (not my fault)":"Dífhostaithe ar thionscnamh an fhostóra (gan locht orm)","When the employer dismisses you without your fault the notice is 1 month (2 months if you are less than 5 years from pension age or raise young children). Severance is 2 average monthly wages, or half a month under 1 year of service; with 5, 10 or 20 years the Guarantee Fund adds a long-service benefit of 1, 2 or 3 months.":"Nuair a dhífhostaíonn an fostóir thú gan locht ort, is é 1 mhí an fógra (2 mhí má tá níos lú ná 5 bliana fágtha agat go haois an phinsin nó má tá leanaí óga á dtógáil agat). Is é 2 mheánphá míosúla an íocaíocht iomarcaíochta, nó leathmhí faoi bhun 1 bhliain seirbhíse; le 5, 10 nó 20 bliain cuireann an Ciste Ráthaíochta 1, 2 nó 3 mhí leis do sheirbhís fhada.","From 1 July 2026: a fixed part of 15% of the minimum wage (€172.95) plus 45% of your average insured income in months 1–3, 35% in months 4–6 and 25% in months 7–9; at least €370 and at most €1,618.51 a month. You need 12 months of insurance in the last 24.":"Ón 1 Iúil 2026: cuid sheasta 15% den phá íosta (€172,95) móide 45% de do mheánioncam árachaithe i míonna 1–3, 35% i míonna 4–6 agus 25% i míonna 7–9; ar a laghad €370 agus ar a mhéad €1.618,51 sa mhí. Teastaíonn 12 mhí árachais uait sna 24 mhí deiridh.","Between €1,153 and €2,677 a month the tax-free amount shrinks by 49 cents per euro, so each extra euro costs about 30% in tax on top of Sodra.":"Idir €1.153 agus €2.677 sa mhí, cúngaíonn an méid saor ó cháin 49 cent in aghaidh an euro, mar sin cosnaíonn gach euro breise thart ar 30% cánach chomh maith le Sodra.","Joining the second pillar adds 3% of your pay to your own account, and the state adds a top-up.":"Má théann tú isteach sa dara colún cuirtear 3% de do phá i do chuntas féin, agus cuireann an stát ranníoc leis.","Child money (€129.50 a month per child) is shown separately. Each spouse is taxed individually; there is no joint filing.":"Taispeántar an t-airgead leanaí (€129,50 sa mhí in aghaidh an linbh) ar leith. Gearrtar cáin ar chéilí ar leith; níl aon tuairisceán comhpháirteach ann.","2 months + Guarantee Fund benefit":"2 mhí + sochar ón gCiste Ráthaíochta","126 days at 77.58%, then childcare leave at 60% until 18 months":"126 lá ag 77,58%, ansin saoire tuismitheora ag 60% go 18 mí","30 days at 77.58%":"30 lá ag 77,58%","Until 18 or 24 months, 2 months reserved per parent":"Go 18 nó 24 mhí, 2 mhí curtha in áirithe in aghaidh an tuismitheora","62.06% (employer days 1–2)":"62,06% (an fostóir laethanta 1–2)","Annual tax and Sodra contributions for one employee with the 2026 rules, not in the second pillar. Allowable expenses in the annual return (other than pension savings), the extra NPD for disability and contracts other than employment are not modelled.":"Cáin agus ranníocaí Sodra bliantúla d'fhostaí le rialacha 2026, nach bhfuil sa dara colún. Ní ríomhtar caiteachais in-asbhainte sa tuairisceán bliantúil (seachas coigilt pinsin), NPD breise do mhíchumas ná conarthaí eile seachas fostaíocht.","Official sources: State Tax Inspectorate (VMI: tax changes from 1 January 2026, NPD), Sodra (contribution rates, VDU 2026, pension units, unemployment benefit from 1 July 2026), Ministry of Social Security and Labour (basic pension, child money), Labour Code, Bank of Lithuania (lending limits), Eurostat.":"Foinsí oifigiúla: Cigireacht Cánach an Stáit (VMI: athruithe cánach ón 1 Eanáir 2026, NPD), Sodra (rátaí ranníoca, VDU 2026, aonaid phinsin, sochar dífhostaíochta ón 1 Iúil 2026), an Aireacht Slándála Sóisialta agus Saothair (bunphinsean, airgead leanaí), an Cód Saothair, Banc na Liotuáine (teorainneacha iasachta), Eurostat.","Net pay on €2,000 a month":"Glanphá ag €2.000 sa mhí","Monthly tax-free amount on the minimum wage":"Méid míosúil saor ó cháin ar an bpá íosta","Income tax on €150,000 of yearly pay (after NPD)":"Cáin ioncaim ar €150.000 de phá bliantúil (tar éis NPD)","Unemployment benefit, month 1, insured income €2,000":"Sochar dífhostaíochta, mí 1, ioncam árachaithe €2.000","Child money, 2 children (per year)":"Airgead leanaí, 2 leanbh (in aghaidh na bliana)","Social insurance contributions (VSAOI) 10.5%":"Ranníocaí sóisialta (VSAOI) 10,5%","Personal income tax 25.5% (33% above €105,300)":"Cáin ioncaim 25,5% (33% os cionn €105.300)","Non-taxable minimum and dependant allowances (per year)":"Íosmhéid saor ó cháin agus liúntas cleithiúnaithe (in aghaidh na bliana)","Employer contributions 23.59% + risk duty":"Ranníocaí fostóra 23,59% + tobhach riosca","Notional account pension: the {c} recorded on your account (14% of pay each year, as a second-pillar member, indexed to wages) divided by G = {g} years of expected payout at your age and by 12. Pension age is 65 with at least 20 years; with 30 years you can retire from 63 but receive only 50% until 65. Pensions above €1,000 a month pay 25.5% income tax. Your second-pillar fund (6% of pay) is paid on top.":"Pinsean ó chuntas barúlach: an {c} i do chuntas (14% den phá gach bliain mar bhall den dara colún, innéacsaithe le pá) roinnte ar G = {g} bliain d'íocaíocht ionchais ag d'aois agus ar 12. Is é 65 aois an phinsin le 20 bliain ar a laghad; le 30 bliain is féidir leat dul ó 63 ach ní fhaigheann tú ach 50% go 65. Íocann pinsin os cionn €1.000 sa mhí 25,5% cáin ioncaim. Íoctar do chiste sa dara colún (6% den phá) chomh maith leis sin.","VSAOI 31.07% up to the minimum wage + 10% pension above":"VSAOI 31,07% suas go dtí an pá íosta + 10% pinsean os a chionn","Redundancy pay ({m} months, Labour Law s. 112)":"Íocaíocht iomarcaíochta ({m} mí, Dlí Saothair § 112)","{a} a month in months 1–2 ({p} of your average insured pay), then 75%, 50% and 45% of that, 8 months in total":"{a} sa mhí i míonna 1–2 ({p} de do mheánphá árachaithe), ansin 75%, 50% agus 45% de sin, 8 mí san iomlán","Labour Law s. 103":"Dlí Saothair § 103","Latvia":"An Laitvia","Pay is taxed at 25.5% after social insurance and the non-taxable minimum of €550 a month (€250 more per dependant); yearly income above €105,300 is taxed at 33%, settled in the annual return. The non-taxable minimum applies only with the employer that holds your tax book.":"Gearrtar 25,5% cánach ar an bpá tar éis ranníocaí sóisialta agus an íosmhéid saor ó cháin €550 sa mhí (€250 breise in aghaidh an chleithiúnaí); gearrtar 33% ar ioncam bliantúil os cionn €105.300 agus socraítear é sa tuairisceán bliantúil. Ní bhaineann an t-íosmhéid saor ó cháin ach leis an bhfostóir a bhfuil do leabhar cánach aige.","Employees pay 10.5% and employers 23.59% of pay up to €105,300 a year, plus a business risk duty of €0.36 a month. Of the pension part, 6% goes to the second-pillar fund for most workers. Minimum wage €780 a month.":"Íocann fostaithe 10,5% agus fostóirí 23,59% den phá suas le €105.300 sa bhliain, móide tobhach riosca gnó €0,36 sa mhí. As an gcuid phinsin, téann 6% chuig ciste an dara colún d'fhormhór na ndaoine. Pá íosta €780 sa mhí.","Labour Law":"An Dlí Saothair","Overtime is paid with at least 100% extra and may not exceed 144 hours in a 4-month period. Night work earns at least 50% extra, and work on a public holiday at least 100% extra.":"Íoctar ragobair le forlíontas 100% ar a laghad agus ní féidir léi dul thar 144 uair i dtréimhse 4 mhí. Tugann obair oíche 50% breise ar a laghad agus obair ar lá saoire poiblí 100% breise ar a laghad.","144 h / 4 months":"144 u / 4 mhí","Self-employed (general regime)":"Féinfhostaithe (córas ginearálta)","Contributions are 31.07% on income up to the €780 monthly minimum wage and a 10% pension contribution on the income above it. Income tax is 25.5% of profit after contributions and the non-taxable minimum (33% above €105,300). The micro-enterprise tax and patent fee regimes are not modelled.":"Is iad na ranníocaí 31,07% ar ioncam suas go dtí an pá íosta míosúil €780 agus ranníoc pinsin 10% ar an ioncam os a chionn sin. Is é 25,5% den bhrabús tar éis ranníocaí agus an íosmhéid saor ó cháin an cháin ioncaim (33% os cionn €105.300). Ní ríomhtar cáin micrighnó ná táille paitinne.","Notional account pension":"Pinsean ó chuntas barúlach","Contributions of 14% of pay (20% if you are not in the second pillar) are recorded on a personal account and indexed with the national wage bill. At retirement the capital is divided by G, the expected payout period at your age (17.24 years at 65 in the 2025 table, updated each January from life expectancy).":"Taifeadtar ranníocaí 14% den phá (20% mura bhfuil tú sa dara colún) i gcuntas pearsanta agus innéacsaítear iad le hollphá náisiúnta. Ag dul ar scor, roinntear an caipiteal ar G, an tréimhse íocaíochta ionchais ag d'aois (17,24 bliana ag 65 i dtábla 2025, nuashonraithe gach Eanáir de réir ionchas saoil).","Age and minimum":"Aois agus íosmhéid","Pension age is 65 with at least 20 years of insurance. With 30 years you can retire 2 years earlier, but the pension is paid at 50% until 65. A minimum pension applies (base €213 in 2026, more with longer service); pensions above €1,000 a month are taxed at 25.5%.":"Is é 65 aois an phinsin le 20 bliain árachais ar a laghad. Le 30 bliain is féidir leat dul 2 bhliain níos luaithe, ach íoctar an pinsean ag 50% go 65. Tá pinsean íosta ann (bonn €213 in 2026, níos mó le gairm níos faide); gearrtar 25,5% cánach ar phinsin os cionn €1.000 sa mhí.","Contributions to a private pension fund (third pillar) reduce taxable income by up to 20% of it and at most €4,000 a year (together with life insurance and investment accounts).":"Laghdaíonn ranníocaí chuig ciste pinsin príobháideach (an tríú colún) an t-ioncam inchánach suas le 20% de agus €4.000 ar a mhéad sa bhliain (in éineacht le hárachas saoil agus cuntais infheistíochta).","Private pension funds (third pillar): contributions reduce your income tax and the money can be taken from age 55 (from 60 for newer contracts). The second pillar, financed from 6% of your pay, is a separate fund paid with your state pension.":"Cistí pinsin príobháideacha (an tríú colún): laghdaíonn ranníocaí an cháin agus is féidir an t-airgead a tharraingt ó aois 55 (ó 60 do chonarthaí níos nuaí). Is ciste ar leith é an dara colún, maoinithe ag 6% de do phá, a íoctar in éineacht leis an bpinsean stáit.","Midsummer Eve (Līgo)":"Oíche Lár an tSamhraidh (Līgo)","Midsummer Day (Jāņi)":"Lá Lár an tSamhraidh (Jāņi)","New Year’s Eve":"Oíche Chinn Bliana","At least 4 calendar weeks of paid leave a year (20 working days), not counting public holidays; parents of children under 14 get extra days. 4 May and 18 November move to Monday when they fall on a weekend.":"4 seachtaine féilire ar a laghad de shaoire íoctha sa bhliain (20 lá oibre), gan laethanta saoire poiblí a áireamh; faigheann tuismitheoirí le leanaí faoi bhun 14 laethanta breise. Aistrítear an 4 Bealtaine agus an 18 Samhain go dtí an Luan nuair a thiteann siad ag an deireadh seachtaine.","112 days (56 before and 56 after the birth)":"112 lá (56 roimh an mbreith agus 56 ina diaidh)","80% of average insured pay":"80% den mheánphá árachaithe","10 working days within 6 months of the birth":"10 lá oibre laistigh de 6 mhí ón mbreith","Until the child is 1 (or 1½); 2 months reserved for each parent":"Go dtí go mbíonn an leanbh 1 bhliain d'aois (nó 1½); 2 mhí curtha in áirithe do gach tuismitheoir","43.75% (or 30% over 1½ years) of insured pay; 60% for the reserved months":"43,75% (nó 30% thar 1½ bliain) den phá árachaithe; 60% do na míonna in áirithe","Family state benefit":"Sochar teaghlaigh stáit","€25 a month for one child, €100 for two, €225 for three, €100 per child for four or more":"€25 sa mhí do leanbh amháin, €100 do bheirt, €225 do thriúr, €100 in aghaidh an linbh do cheathrar nó níos mó","Days 2–10 paid by the employer, then sickness benefit from VSAA":"Íocann an fostóir laethanta 2–10, ansin sochar breoiteachta ó VSAA","75% (days 2–3), then 80%":"75% (laethanta 2–3), ansin 80%","Dismissed for redundancy or other reasons not my fault":"Dífhostaithe de bharr iomarcaíochta nó cúiseanna eile gan locht orm","The employer gives 1 month’s notice (10 days in some cases). Redundancy pay is 1 month’s average earnings with less than 5 years of service, 2 months for 5–10 years, 3 months for 10–20 years and 4 months after 20 years. It is subject to income tax but not to social insurance.":"Tugann an fostóir fógra 1 mhí (10 lá i gcásanna áirithe). Is é meánphá 1 mhí an íocaíocht iomarcaíochta le níos lú ná 5 bliana seirbhíse, 2 mhí le 5–10 mbliana, 3 mhí le 10–20 bliain agus 4 mhí tar éis 20 bliain. Gearrtar cáin ioncaim uirthi ach ní ranníocaí sóisialta.","50% of your average insured pay with 1–9 years of insurance, 55% with 10–19, 60% with 20–29 and 65% with 30 or more, for months 1–2; then 75% of that in months 3–4, 50% in 5–6 and 45% in 7–8. From 1 April 2026 any work income suspends the benefit.":"50% de do mheánphá árachaithe le 1–9 mbliana árachais, 55% le 10–19, 60% le 20–29 agus 65% le 30 nó níos mó, i míonna 1–2; ansin 75% de sin i míonna 3–4, 50% i 5–6 agus 45% i 7–8. Ón 1 Aibreán 2026 stopann aon ioncam oibre an sochar.","Give your tax book to your main employer, or the €550 non-taxable minimum is applied only in the annual return.":"Tabhair do leabhar cánach do do phríomhfhostóir, nó ní chuirfear an t-íosmhéid saor ó cháin €550 i bhfeidhm go dtí an tuairisceán bliantúil.","The family state benefit is shown separately (€25 a month for one child, €100 for two, €225 for three). Each dependant child adds €250 a month to the non-taxable amount of the parent who claims them.":"Taispeántar an sochar teaghlaigh stáit ar leith (€25 sa mhí do leanbh amháin, €100 do bheirt, €225 do thriúr). Cuireann gach leanbh cleithiúnach €250 sa mhí le méid saor ó cháin an tuismitheora a dhearbhaíonn é.","Redundancy pay ({m} months)":"Íocaíocht iomarcaíochta ({m} mí)","112 days at 80%, then parental benefit until age 1":"112 lá ag 80%, ansin sochar tuismitheora go haois 1","10 working days at 80%":"10 lá oibre ag 80%","Until age 1 or 1½, 2 months reserved per parent":"Go haois 1 nó 1½, 2 mhí curtha in áirithe in aghaidh an tuismitheora","75–80% (employer days 2–10)":"75–80% (an fostóir laethanta 2–10)","Annual tax and contributions for one employee whose tax book is with this employer, with the 2026 rules. Deductions for education and medical costs, the higher tax-free amount for pensioners and disabled people, and the micro-enterprise regime are not modelled.":"Cáin agus ranníocaí bliantúla d'fhostaí a bhfuil a leabhar cánach ag an bhfostóir seo, le rialacha 2026. Ní ríomhtar asbhaintí do chostais oideachais agus sláinte, an méid saor ó cháin níos airde do phinsinéirí agus do dhaoine faoi mhíchumas ná an córas micrighnó.","Official sources: State Revenue Service (VID: non-taxable minimum, IIN and VSAOI rates 2026), State Social Insurance Agency (VSAA: pensions, G table, unemployment benefit from 1 April 2026, family benefit), Ministry of Welfare, Labour Law, Bank of Latvia (borrower-based measures), Eurostat.":"Foinsí oifigiúla: Seirbhís Ioncaim an Stáit (VID: íosmhéid saor ó cháin, rátaí IIN agus VSAOI 2026), Gníomhaireacht Árachais Shóisialta an Stáit (VSAA: pinsin, tábla G, sochar dífhostaíochta ón 1 Aibreán 2026, sochar teaghlaigh), an Aireacht Leasa, an Dlí Saothair, Banc na Laitvia (bearta bunaithe ar iasachtaithe), Eurostat.","Net pay on the €780 minimum wage":"Glanphá ar an bpá íosta €780","Income tax on €120,000 of taxable income":"Cáin ioncaim ar €120.000 d'ioncam inchánach","Pension from €100,000 of capital at 65 (per month)":"Pinsean ó €100.000 caipitil ag 65 (sa mhí)","Redundancy pay after 12 years (months)":"Íocaíocht iomarcaíochta tar éis 12 bhliain (míonna)","Unemployment benefit rate with 22 years insured":"Ráta sochair dífhostaíochta le 22 bhliain árachais","Family state benefit, 2 children (per year)":"Sochar teaghlaigh stáit, 2 leanbh (in aghaidh na bliana)","Social contributions 23.1% (pension 15.5%, health 6.36%, long-term care 1%, other 0.24%)":"Ranníocaí sóisialta 23,1% (pinsean 15,5%, sláinte 6,36%, cúram fadtéarmach 1%, eile 0,24%)","Compulsory health contribution (€39.36 a month)":"Ranníoc sláinte éigeantach (€39,36 sa mhí)","Income tax (dohodnina, 16–50%)":"Cáin ioncaim (dohodnina, 16–50%)","General tax relief (per year)":"Liúntas cánach ginearálta (in aghaidh na bliana)","Employer contributions 17.1%":"Ranníocaí fostóra 17,1%","Old-age pension: {a} of your pension base ({b}, the average net pay of your best 24 years, revalued), from 29.5% for 15 years plus 1.36 points a year (63.5% at 40 years; up to 3 points more for each of years 41–43). You can retire at 65 with 15 years or at 60 with 40 years. An annual allowance is paid each autumn; tax on larger pensions is not deducted here.":"Pinsean seanaoise: {a} de do bhonn pinsin ({b}, an meánghlanphá i do 24 bliain is fearr, innéacsaithe), ó 29,5% do 15 bliana móide 1,36 pointe céatadáin sa bhliain (63,5% ag 40 bliain; suas le 3 phointe céatadáin breise do gach ceann de bhlianta 41–43). Is féidir leat dul ar scor ag 65 le 15 bliana nó ag 60 le 40 bliain. Íoctar liúntas bliantúil gach fómhar; ní bhaintear cáin ar phinsin níos airde anseo.","Minimum contributions of a sole trader (€651.04 a month)":"Íosranníocaí do thrádálaí aonair (€651,04 sa mhí)","Severance pay ({f} of monthly pay per year of service)":"Íocaíocht iomarcaíochta ({f} den phá míosúil in aghaidh gach bliana seirbhíse)","{a} a month in months 1–3 (80% of your average gross pay, €1,037.32–€1,926.44), then 60% and 50%, for {n} months (gross)":"{a} sa mhí i míonna 1–3 (80% de do mheánphá comhlán, €1.037,32–€1.926,44), ansin 60% agus 50%, ar feadh {n} mí (comhlán)","Notice (business reasons)":"Fógra (cúiseanna gnó)","Severance per year":"Íocaíocht iomarcaíochta in aghaidh na bliana","{d} days":"{d} lá","30 days (60 after 1 year in some contracts)":"30 lá (60 tar éis 1 bhliain i gconarthaí áirithe)","Employment Relationships Act art. 94":"An tAcht um Chaidrimh Fhostaíochta airt. 94","Slovenia":"An tSlóivéin","Income tax (dohodnina) 2026":"Cáin ioncaim (dohodnina) 2026","The yearly net tax base is taxed at 16% up to €9,721.43, 26% up to €28,592.44, 33% up to €57,184.88, 39% up to €82,346.23 and 50% above. The general relief is €5,551.93, increased by 20,832.39 − 1.17259 × income for total income up to €17,766.18. Reliefs for children and the young are not included.":"Gearrtar cáin ar an nglanbhonn bliantúil ag 16% suas le €9.721,43, 26% suas le €28.592,44, 33% suas le €57.184,88, 39% suas le €82.346,23 agus 50% os a chionn sin. Is é €5.551,93 an liúntas ginearálta, ardaithe le 20.832,39 − 1,17259 × ioncam d'ioncam iomlán suas le €17.766,18. Níl liúntais leanaí ná daoine óga san áireamh.","Employees pay 23.1% (pension 15.5%, health 6.36%, long-term care 1% since July 2025, parental 0.1%, employment 0.14%) and a flat compulsory health contribution of €39.36 a month. Employers pay 17.1%. Minimum wage €1,481.88 a month from January 2026.":"Íocann fostaithe 23,1% (pinsean 15,5%, sláinte 6,36%, cúram fadtéarmach 1% ó Iúil 2025, cosaint tuismitheora 0,1%, fostaíocht 0,14%) agus ranníoc sláinte éigeantach seasta €39,36 sa mhí. Íocann fostóirí 17,1%. Pá íosta €1.481,88 sa mhí ó Eanáir 2026.","Employment Relationships Act and collective agreements":"An tAcht um Chaidrimh Fhostaíochta agus comhaontuithe comhchoiteanna","Overtime is limited to 8 hours a week, 20 a month and 170 a year; the supplement is set by collective agreements, usually 30%. Night work typically adds 50%, and work on Sundays and public holidays 50% or more.":"Tá teorainn le ragobair: 8 n-uaire sa tseachtain, 20 sa mhí agus 170 sa bhliain; socraítear an forlíontas i gcomhaontuithe comhchoiteanna, de ghnáth 30%. Tugann obair oíche forlíontas 50% de ghnáth, agus obair Dé Domhnaigh agus ar laethanta saoire poiblí 50% nó níos mó.","8 h / week, 170 h / year":"8 u / seachtain, 170 u / bliain","Sole trader with normed expenses (normiranec)":"Trádálaí aonair le costais normatacha (normiranec)","A full-time normiranec deducts 80% of revenue as normed expenses and pays a final 20% tax on the remaining 20% (4% of revenue). Minimum social contributions are €651.04 a month from March 2026 (40.2% of 60% of the 2025 average wage, plus the flat health contribution). The 2026 reform lowers the revenue limit and adds income brackets; check your eligibility.":"Asbhaineann normiranec lánaimseartha 80% den láimhdeachas mar chostais normatacha agus íocann sé cáin deiridh 20% ar an 20% atá fágtha (4% den láimhdeachas). Is é €651,04 sa mhí na híosranníocaí sóisialta ó Mhárta 2026 (40,2% de 60% de mheánphá 2025 móide an ranníoc sláinte seasta). Íslíonn athchóiriú 2026 an teorainn láimhdeachais agus tugann sé bandaí ioncaim isteach; seiceáil an gcomhlíonann tú na coinníollacha.","The pension is a percentage of your pension base, the average net pay of your best 24 consecutive years, revalued: 29.5% for 15 years plus 1.36 points for each further year, 63.5% for 40 years (men and women alike since 2023); years 41–43 add more. From 2035 each year will count 1.6 points (70% at 40 years).":"Is céatadán de do bhonn pinsin é an pinsean, an meánghlanphá i do 24 bliain leanúnacha is fearr, innéacsaithe: 29,5% do 15 bliana móide 1,36 pointe céatadáin do gach bliain bhreise, 63,5% do 40 bliain (mar an gcéanna d'fhir agus do mhná ó 2023); tugann blianta 41–43 níos mó. Ó 2035 áireofar 1,6 pointe céatadáin do gach bliain (70% ag 40 bliain).","Retirement conditions":"Coinníollacha pinsin","In 2026: age 60 with 40 years of pension service, or age 65 with at least 15 years of insurance. The 2024 reform raises the general age gradually to 67 from 2028. Pensioners receive an annual allowance each year.":"In 2026: 60 bliain d'aois le 40 bliain de thréimhse inphinsin, nó 65 bliana d'aois le 15 bliana árachais ar a laghad. Ardaíonn athchóiriú 2024 an aois ghinearálta de réir a chéile go 67 ó 2028. Faigheann pinsinéirí liúntas bliantúil gach bliain.","Premiums for supplementary pension insurance (PDPZ), yours and your employer’s together, reduce the tax base up to 5.844% of gross pay and at most €2,819.09 a year.":"Laghdaíonn préimheanna árachais pinsin fhorlíontaigh (PDPZ), do chuid féin agus cuid an fhostóra le chéile, an bonn suas le 5,844% den phá comhlán agus €2.819,09 ar a mhéad sa bhliain.","Voluntary supplementary pension insurance (PDPZ), often co-financed by employers: premiums within the limit are tax-deductible, and the annuity from 60 is taxed (half of it enters the tax base; about 10% of the balance here).":"Árachas pinsin forlíontach deonach (PDPZ), go minic comhmhaoinithe ag an bhfostóir: is féidir préimheanna laistigh den teorainn a asbhaint, agus gearrtar cáin ar an mblianacht ó aois 60 (téann a leath isteach sa bhonn; anseo thart ar 10% den iarmhéid).","New Year’s holiday":"Lá saoire na hAthbhliana","Prešeren Day (culture day)":"Lá Prešeren (lá an chultúir)","Day of Uprising Against Occupation":"Lá an Éirí Amach in aghaidh na Forghabhála","Labour Day (second day)":"Lá an Lucht Oibre (an dara lá)","Reformation Day":"Lá an Reifirméisin","Remembrance Day":"Lá an Chuimhneacháin","Independence and Unity Day":"Lá an Neamhspleáchais agus na hAontachta","At least 4 weeks of paid leave a year (20 days for a 5-day week), plus extra days for older workers, parents of children under 15 and disabled workers. Holidays on a weekend are not moved. Employers must also pay a holiday allowance (regres) of at least the minimum wage, largely free of tax and contributions.":"4 seachtaine ar a laghad de shaoire íoctha sa bhliain (20 lá do sheachtain 5 lá), móide laethanta breise d'fhostaithe níos sine, do thuismitheoirí le leanaí faoi bhun 15 agus do dhaoine faoi mhíchumas. Ní aistrítear laethanta saoire poiblí a thiteann ag an deireadh seachtaine. Caithfidh an fostóir liúntas saoire (regres) a íoc freisin, cothrom leis an bpá íosta ar a laghad, saor ó cháin agus ó ranníocaí den chuid is mó.","105 days, starting 28 days before the birth":"105 lá, ag tosú 28 lá roimh an mbreith","100% of average pay":"100% den mheánphá","15 working days until the child is 3 months old":"15 lá oibre go dtí go mbíonn an leanbh 3 mhí d'aois","90% of average pay":"90% den mheánphá","160 days per parent (60 not transferable), until the child is 8":"160 lá in aghaidh an tuismitheora (ní féidir 60 a aistriú), go dtí go mbíonn an leanbh 8 mbliana d'aois","90% of average pay (with a ceiling)":"90% den mheánphá (le huasteorainn)","Monthly amount by family income and number of children":"Méid míosúil de réir ioncam an teaghlaigh agus líon na leanaí","Income-tested, not included here":"Faoi réir tástáil ioncaim, níl sé san áireamh anseo","Days 1–20 paid by the employer, then by the health insurance fund (ZZZS)":"Íocann an fostóir laethanta 1–20, ansin an t-árachas sláinte (ZZZS)","80% of pay for illness (90% after 90 days)":"80% den phá le linn breoiteachta (90% tar éis 90 lá)","Dismissed for business reasons":"Dífhostaithe ar chúiseanna gnó","For a dismissal on business grounds the notice is 15 days under 1 year of service, 30 days from 1 year, 2 more days for each year after 2 years up to 60 days, and 80 days after 25 years. Severance is 1/5 of average monthly pay for each year of service with 1–10 years, 1/4 with 10–20 years and 1/3 after 20 years, normally capped at 10 months’ pay; it is free of tax and contributions within the statutory amount.":"I gcás dífhostaithe ar chúiseanna gnó, is é an fógra 15 lá faoi bhun 1 bhliain seirbhíse, 30 lá ó 1 bhliain, 2 lá breise do gach bliain tar éis 2 bhliain suas le 60 lá, agus 80 lá tar éis 25 bliain. Is é an íocaíocht iomarcaíochta 1/5 den mheánphá míosúil in aghaidh gach bliana seirbhíse le 1–10 mbliana, 1/4 le seirbhís 10–20 bliain agus 1/3 tar éis 20 bliain, de ghnáth 10 mí pá ar a mhéad; laistigh den mhéid reachtúil tá sí saor ó cháin agus ó ranníocaí.","From 2026: 80% of your average gross pay of the last 8 months for months 1–3 (at least €1,037.32, at most €1,926.44), then 60% (with lower ceilings) until month 12 and 50% after. It lasts 3 months with up to 5 years of insurance, 6 with 5–15, 9 with 15–25, 12 above 25 years, and 19 or 25 months for older workers with long careers.":"Ó 2026: 80% de do mheánphá comhlán sna 8 mí deiridh i míonna 1–3 (ar a laghad €1.037,32, ar a mhéad €1.926,44), ansin 60% (le huasteorainn níos ísle) go mí 12 agus 50% ina dhiaidh sin. Maireann sé 3 mhí le suas le 5 bliana árachais, 6 mhí le 5–15, 9 mí le 15–25, 12 mhí le níos mó ná 25 bliain agus 19 nó 25 mí do dhaoine níos sine le gairm fhada.","Ask about your employer’s supplementary pension plan (PDPZ): premiums up to €2,819.09 a year are free of income tax.":"Fiafraigh faoi phlean pinsin forlíontach d'fhostóra (PDPZ): tá préimheanna suas le €2.819,09 sa bhliain saor ó cháin ioncaim.","Child benefit in Slovenia depends on family income and is not included. Each child also gives a tax relief to the parent who claims it (not modelled).":"Braitheann liúntas leanaí na Slóivéine ar ioncam an teaghlaigh agus níl sé san áireamh. Tugann gach leanbh liúntas cánach freisin don tuismitheoir a dhearbhaíonn é (níl sé ríofa).","1/5–1/3 of pay per year":"1/5–1/3 den phá in aghaidh na bliana","105 days at 100%, then parental leave at 90%":"105 lá ag 100%, ansin saoire tuismitheora ag 90%","15 working days at 90%":"15 lá oibre ag 90%","160 days per parent at 90%":"160 lá in aghaidh an tuismitheora ag 90%","80% (employer days 1–20)":"80% (an fostóir laethanta 1–20)","Annual tax and contributions for one employee with the 2026 scale and the general relief only. Child, young-person and other reliefs, the holiday allowance (regres) and Christmas bonuses, and meal and travel allowances are not modelled.":"Cáin agus ranníocaí bliantúla d'fhostaí le scála 2026 agus an liúntas ginearálta amháin. Ní ríomhtar liúntais leanaí, daoine óga ná liúntais eile, an liúntas saoire (regres) ná bónais Nollag, ná liúntais bhéile agus taistil.","Official sources: Financial Administration (FURS: tax scale and reliefs 2026, Uradni list RS 104/25), ZPIZ (pension accrual and conditions), Employment Service of Slovenia (ESS: unemployment benefit 2026), ZZZS (compulsory health contribution), Employment Relationships Act (ZDR-1), Ministry of Labour (minimum wage 2026), Bank of Slovenia (lending limits), Eurostat.":"Foinsí oifigiúla: an Riarachán Airgeadais (FURS: scála cánach agus liúntais 2026, Uradni list RS 104/25), ZPIZ (céatadáin agus coinníollacha pinsin), Seirbhís Fostaíochta na Slóivéine (ESS: sochar dífhostaíochta 2026), ZZZS (ranníoc sláinte éigeantach), an tAcht um Chaidrimh Fhostaíochta (ZDR-1), an Aireacht Saothair (pá íosta 2026), Banc na Slóivéine (teorainneacha iasachta), Eurostat.","Income tax on a net tax base of €30,000":"Cáin ioncaim ar ghlanbhonn €30.000","General relief at a total income of €15,000":"Liúntas ginearálta ag ioncam iomlán €15.000","Employee contributions on €2,500 a month (incl. flat health contribution)":"Ranníocaí fostaí ag €2.500 sa mhí (lena n-áirítear an ranníoc sláinte seasta)","Pension accrual rate for 40 years":"Leibhéal pinsin do 40 bliain","Maximum unemployment benefit, months 1–3 (gross)":"An sochar dífhostaíochta is airde, míonna 1–3 (comhlán)","Unemployment benefit duration with 20 years insured (months)":"Tréimhse sochair le 20 bliain árachais (míonna)","Minimum monthly contributions of a sole trader (from March 2026)":"Íosranníocaí míosúla do thrádálaí aonair (ó Mhárta 2026)","No transfer tax for the buyer (the seller pays income tax on the sale)":"Gan cáin aistrithe don cheannaitheoir (íocann an díoltóir cáin ioncaim ar an díolachán)","Notary fee (regulated tariff) and land registry (ANCPI) 0.15% (estimate, about 1.2%)":"Táillí nótaire (táille rialaithe) agus clárú (ANCPI) 0,15% (meastachán, thart ar 1,2%)","Bank valuation and loan fees (estimate)":"Luacháil an bhainc agus táillí iasachta (meastachán)","No real estate transfer tax":"Gan cáin ar aistriú maoine","Land registry entry, contract and valuation (estimate)":"Clárú, conradh agus luacháil (meastachán)","No transfer tax; notary fee and Centre of Registers fees (estimate, about 0.5%)":"Gan cáin aistrithe; nótaire agus táillí an Ionaid Chláraithe (meastachán, thart ar 0,5%)","State fee for registering ownership in the Land Register (1.5% of value for private buyers)":"Táille stáit ar chlárú úinéireachta (1,5% den luach do cheannaitheoirí príobháideacha)","Notary and mortgage registration (estimate, about 0.3%)":"Nótaire agus clárú morgáiste (meastachán, thart ar 0,3%)","Real property transfer tax 2% (paid by the seller by law)":"Cáin ar aistriú maoine 2% (íoctha ag an díoltóir de réir dlí)","Notary, land registry and loan costs (estimate, about 0.5%)":"Nótaire, clárú agus costais iasachta (meastachán, thart ar 0,5%)","No tax relief on mortgage interest; the state-guaranteed Noua Casă programme (5% deposit) is not modelled.":"Gan faoiseamh cánach ar ús morgáiste; ní ríomhtar an clár Noua Casă faoi ráthaíocht stáit (éarlais 5%).","No tax relief on mortgage interest (the young people’s interest bonus ended).":"Gan faoiseamh cánach ar ús morgáiste (cuireadh deireadh leis an mbónas úis do dhaoine óga).","No relief for new mortgages (interest deduction only for loans taken before 2009).":"Gan asbhaint do mhorgáistí nua (asbhaint úis ach amháin d'iasachtaí a tógadh roimh 2009).","National Bank of Romania: a loan in lei of up to 85% of the value (more with the state-guaranteed Noua Casă programme); total debt payments at most 40% of net income, 45% for the first home loan.":"Banc Náisiúnta na Rómáine: iasachtaí in lei suas le 85% den luach (níos mó leis an gclár Noua Casă faoi ráthaíocht stáit); íocaíochtaí fiachais iomlána suas le 40% den ghlanioncam, 45% don chéad iasacht tí.","National Bank of Slovakia: loan at most 90% of the value (only a limited share of new loans above 80%, with room for young first-time buyers); total debt at most 8 times yearly net income (less from age 41); payments at most 60% of net income after living costs, tested at a higher rate.":"Banc Náisiúnta na Slóvaice: iasachtaí suas le 90% den luach (níl ach cion teoranta d'iasachtaí nua os cionn 80%, le solúbthacht do cheannaitheoirí óga céaduaire); fiachas iomlán suas le 8 n-oiread an ghlanioncaim bhliantúil (níos lú ó aois 41); íocaíochtaí suas le 60% den ghlanioncam tar éis costais mhaireachtála, tástáilte ar ráta úis níos airde.","Bank of Lithuania: 85% of the value for the first home (70% for further homes), payments at most 40% of net income (tested at a higher rate), at most 30 years.":"Banc na Liotuáine: 85% den luach don chéad teach (70% do thithe eile), íocaíochtaí suas le 40% den ghlanioncam (tástáilte ar ráta úis níos airde), 30 bliain ar a mhéad.","Bank of Latvia: loan at most 90% of the value, payments at most 40% of net income (45% for energy-efficient homes), total debt at most 6 times yearly net income (8 times for energy-efficient homes), at most 30 years.":"Banc na Laitvia: iasachtaí suas le 90% den luach, íocaíochtaí suas le 40% den ghlanioncam (45% do thithe tíosach ar fhuinneamh), fiachas iomlán suas le 6 huaire an glanioncam bliantúil (8 n-uaire do thithe tíosach ar fhuinneamh), 30 bliain ar a mhéad.","Bank of Slovenia: payments at most 50% of net income (with a protected minimum for low incomes) and loans of up to 80% of the property value.":"Banc na Slóivéine: íocaíochtaí suas le 50% den ghlanioncam (le híosmhéid cosanta d'ioncaim ísle) agus iasachtaí suas le 80% de luach an tí.","Gross needed: {g} a month ({y} a year without bonus)":"Pá comhlán a theastaíonn: {g} sa mhí ({y} sa bhliain gan bhónas)","I enter":"Iontrálaim","Gross pay (before tax)":"An pá comhlán (roimh cháin)","The net pay I want (find the gross)":"An glanphá a theastaíonn uaim (faigh an pá comhlán)","These results use the {y} rules. The {n} changes (new tax bands, contribution caps, minimum wages, pension values) are being added country by country; until then, results for {n} can differ.":"Úsáideann na torthaí seo rialacha {y}. Tá athruithe {n} (bandaí cánach nua, uasteorainneacha ranníoca, pá íosta, méideanna pinsin) á gcur leis tír ar thír; go dtí sin, d'fhéadfadh torthaí {n} a bheith difriúil.","These results use the {y} rules for {c}. The {n} changes (new tax bands, contribution caps, minimum wage, pension values) are being added; until then, results for {n} can differ.":"Úsáideann na torthaí seo rialacha {y} do {c}. Tá athruithe {n} (bandaí cánach nua, uasteorainneacha ranníoca, pá íosta, méideanna pinsin) á gcur leis; go dtí sin, d'fhéadfadh torthaí {n} a bheith difriúil.","{y} rules for every country":"Rialacha {y} do gach tír","{y} rules for {c}":"Rialacha {y} do {c}","Last checked against official sources: {m}":"Seiceáilte go deireanach le foinsí oifigiúla: {m}","Public holidays on weekdays in 2026 (Ontario)":"Laethanta saoire poiblí ar laethanta oibre in 2026 (Ontario)","Legal minimum annual leave (working days)":"Íosmhéid reachtúil saoire bhliantúil (laethanta oibre)","Ontario land transfer tax on a $500,000 home (not a first-time buyer)":"Cáin aistrithe talún Ontario ar theach $500,000 (ní céad cheannach)","Stamp tax on a $100,000,000 mortgage loan":"Cáin stampála ar mhorgáiste $100,000,000","Transfer tax on a €200,000 home":"Cáin aistrithe ar theach €200,000","Alberta":"Alberta","British Columbia":"British Columbia","Manitoba":"Manitoba","New Brunswick":"New Brunswick","Newfoundland and Labrador":"Talamh an Éisc agus Labradar","Nova Scotia":"Albain Nua","Ontario":"Ontario","Prince Edward Island":"Oileán an Phrionsa Éadbhard","Quebec":"Québec","Saskatchewan":"Saskatchewan","Québec Pension Plan (QPP) 6.30%":"Plean Pinsin Québec (QPP) 6.30%","Canada Pension Plan (CPP) 5.95%":"Plean Pinsin Cheanada (CPP) 5.95%","Second additional QPP 4% (QPP2)":"Dara ranníoc breise QPP 4% (QPP2)","Second additional CPP 4% (CPP2)":"Dara ranníoc breise CPP 4% (CPP2)","Employment Insurance 1.30%":"Árachas Fostaíochta (EI) 1.30%","Employment Insurance 1.63%":"Árachas Fostaíochta (EI) 1.63%","Québec Parental Insurance Plan 0.430%":"Árachas Tuismitheora Québec 0.430%","Federal income tax (after the 16.5% Quebec abatement)":"Cáin ioncaim fheidearálach (tar éis laghdú 16.5% Québec)","Provincial income tax ({p})":"Cáin ioncaim chúigeach ({p})","Ontario Health Premium":"Préimh Sláinte Ontario","Federal basic personal amount":"Bunmhéid pearsanta feidearálach","Employer QPP, EI (1.4 times yours) and QPIP":"Ranníocaí fostóra QPP, EI (1.4 oiread do chuid féin) agus QPIP","Employer CPP and EI (1.4 times yours)":"Ranníocaí fostóra CPP agus EI (1.4 oiread do chuid féin)","CPP retirement pension {c} a month: 25% of your average earnings up to the YMPE ($74,600) over your best years, plus the enhancements since 2019 (8.33% of earnings up to the YMPE and 33.33% between $74,600 and $85,000, averaged over 40 years). It is cut by 0.6% for each month before 65 (from 60) and raised by 0.7% a month after 65, up to 70. Old Age Security from 65: {o} a month ({r} of 40 years lived in Canada after 18; up to $762.50 for ages 65–74, 10% more from 75; reduced by 15% of income above $93,454). The Guaranteed Income Supplement for low incomes is not included; tax is estimated for {p}.":"Pinsean scoir CPP {c} sa mhí: 25% de do mheántuilleamh suas go dtí an YMPE ($74,600) i do bhlianta is fearr, móide na feabhsuithe ó 2019 (8.33% den tuilleamh suas go dtí an YMPE agus 33.33% idir $74,600 agus $85,000, meánaithe thar 40 bliain). Laghdaítear é 0.6% do gach mí roimh 65 (ó 60) agus ardaítear é 0.7% sa mhí tar éis 65, suas go 70. Old Age Security ó 65: {o} sa mhí ({r} as 40 bliain cónaithe i gCeanada tar éis aois 18; suas le $762.50 d'aois 65–74, 10% níos mó ó 75; laghdaithe faoi 15% den ioncam os cionn $93,454). Níl an Forlíonadh Ioncaim Ráthaithe d'ioncaim ísle san áireamh; meastar an cháin do {p}.","QPP both halves 12.6% + QPP2 8% (EI optional, not included)":"QPP an dá chuid 12.6% + QPP2 8% (EI roghnach, gan áireamh)","CPP both halves 11.9% + CPP2 8% (EI optional, not included)":"CPP an dá chuid 11.9% + CPP2 8% (EI roghnach, gan áireamh)","Employment Standards Act, 2000 (s. 57 and 64)":"Employment Standards Act, 2000 (ailt 57 agus 64)","Act respecting labour standards (s. 82)":"Acht caighdeán saothair Québec (alt 82)","Employment Standards Act (s. 63)":"Employment Standards Act (alt 63)","Employment Standards Code (s. 56)":"Employment Standards Code (alt 56)","Pay in lieu of notice ({w} weeks)":"Pá in ionad fógra ({w} seachtain)","Ontario severance pay ({w} weeks, employer payroll of $2.5 million or more)":"Íocaíocht scoir Ontario ({w} seachtain, párolla an fhostóra $2.5 milliún ar a laghad)","{a} a week for about {n} weeks (55% of insurable earnings, at most $729 a week, after a one-week waiting period; the number of weeks depends on your hours and the regional unemployment rate, here {u}%)":"{a} sa tseachtain ar feadh thart ar {n} seachtain (55% den tuilleamh inárachais, $729 sa tseachtain ar a mhéad, tar éis seachtain feithimh; braitheann líon na seachtainí ar d'uaireanta agus ar an ráta dífhostaíochta réigiúnach, anseo {u}%)","Minimum notice":"Fógra íosta","{w} weeks":"{w} seachtain","None required by law (two weeks is customary)":"Ní éilíonn an dlí aon fhógra (is gnách 2 sheachtain)","{w} weeks (minimum under the {p} employment standards)":"{w} seachtain (íosmhéid faoi chaighdeáin fostaíochta {p})","Provincial employment standards act":"Acht cúigeach um chaighdeáin fostaíochta","Canada":"Ceanada","Province":"Cúige","Regional unemployment rate %":"Ráta dífhostaíochta réigiúnach %","Employer payroll of $2.5 million or more (Ontario severance pay)":"Párolla an fhostóra $2.5 milliún ar a laghad (íocaíocht scoir Ontario)","Years lived in Canada after age 18 (for OAS)":"Blianta cónaithe i gCeanada tar éis aois 18 (don OAS)","Federal rates are 14% up to $58,523, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above (the lowest rate was cut from 15% in 2025). Credits at 14% for the basic personal amount ($16,452, reduced to $14,829 at high incomes), the Canada employment amount ($1,501) and base CPP and EI contributions; the enhanced CPP contributions are deducted from income. In Quebec, federal tax is cut by 16.5%.":"Is iad na rátaí feidearálacha 14% suas le $58,523, 20.5% suas le $117,045, 26% suas le $181,440, 29% suas le $258,482 agus 33% os a chionn sin (laghdaíodh an ráta is ísle ó 15% in 2025). Creidmheasanna ag 14% don bhunmhéid pearsanta ($16,452, laghdaithe go $14,829 ag ioncaim arda), don Canada employment amount ($1,501) agus do bhunranníocaí CPP agus EI; baintear na ranníocaí feabhsaithe CPP den ioncam. I Québec laghdaítear an cháin fheidearálach faoi 16.5%.","Provincial income tax":"Cáin ioncaim chúigeach","Each province has its own brackets and credits; all ten provinces use their 2026 values (British Columbia raised its lowest rate to 5.60% for 2026, Prince Edward Island added a 20% bracket above $200,000, Newfoundland and Labrador raised its basic amount to $13,094). Ontario adds a surtax and the Ontario Health Premium (up to $900); Quebec collects its own tax (14% to 25.75%) with a deduction for workers of up to $1,450.":"Tá a bandaí agus a creidmheasanna féin ag gach cúige; úsáideann na deich gcúige ar fad a luachanna do 2026 (d'ardaigh British Columbia an ráta is ísle go 5.60% do 2026, chuir Oileán an Phrionsa Éadbhard banda 20% os cionn $200,000 leis, d'ardaigh Talamh an Éisc agus Labradar an bunmhéid go $13,094). Cuireann Ontario forcháin agus an Phréimh Sláinte leis (suas le $900); gearrann Québec a cáin féin (14% go 25.75%) le hasbhaint d'oibrithe suas le $1,450.","CPP, EI and QPIP":"CPP, EI agus QPIP","Employees pay 5.95% CPP on earnings between $3,500 and $74,600 (Quebec: 6.30% QPP) and 4% CPP2 between $74,600 and $85,000; EI is 1.63% up to $68,900 (Quebec 1.30%, plus 0.430% QPIP up to $103,000). Employers match CPP and pay 1.4 times the EI premium.":"Íocann fostaithe 5.95% CPP ar thuilleamh idir $3,500 agus $74,600 (Québec: 6.30% QPP) agus 4% CPP2 idir $74,600 agus $85,000; is é EI 1.63% suas le $68,900 (Québec 1.30%, móide 0.430% QPIP suas le $103,000). Íocann fostóirí an ranníoc CPP céanna agus 1.4 oiread na préimhe EI.","Provincial employment standards":"Caighdeáin fostaíochta cúigeacha","Overtime is paid at 1.5 times the regular rate after 44 hours a week in Ontario, 40 hours in Quebec, Alberta and most other provinces, and also after 8 hours a day in British Columbia and Alberta (double time after 12 hours in BC). Public holidays worked are paid at 1.5 times plus holiday pay in most provinces.":"Íoctar ragobair ag 1.5 oiread an ghnáthráta tar éis 44 uair sa tseachtain in Ontario, 40 uair in Québec, Alberta agus formhór na gcúigí eile, agus freisin tar éis 8 n-uaire sa lá in British Columbia agus Alberta (faoi dhó tar éis 12 uair in BC). Íoctar obair ar laethanta saoire poiblí ag 1.5 oiread móide pá saoire i bhformhór na gcúigí.","44 h / week in Ontario (40 in most provinces)":"44 u / seachtain in Ontario (40 i bhformhór na gcúigí)","Self-employed people pay both halves of CPP (11.9% on profit between $3,500 and $74,600, 12.6% QPP in Quebec) and 8% CPP2 up to $85,000; the employer half and the enhanced part are deductible. EI is optional (special benefits only) and not included. GST/HST registration is required above $30,000 of sales.":"Íocann féinfhostaithe an dá chuid den CPP (11.9% ar bhrabús idir $3,500 agus $74,600, 12.6% QPP in Québec) agus 8% CPP2 suas le $85,000; is féidir cuid an fhostóra agus an chuid fheabhsaithe a asbhaint. Tá EI roghnach (sochair speisialta amháin) agus níl sé san áireamh. Tá clárú GST/HST riachtanach os cionn $30,000 de dhíolacháin.","Canada Pension Plan":"Plean Pinsin Cheanada","The CPP retirement pension replaces 25% of average earnings up to the YMPE, rising to 33.33% plus a part of earnings up to $85,000 as the 2019 enhancement matures. You can start it from 60 (0.6% less per month before 65) to 70 (0.7% more per month after 65). The maximum at 65 for a pension starting in January 2026 is $1,507.65 a month. The QPP in Quebec works in a similar way. The federal government plans to cut the base CPP contribution rate to 4.75% from 2027.":"Cuireann pinsean scoir CPP 25% den mheántuilleamh suas go dtí an YMPE in ionad, ag ardú go 33.33% móide cuid den tuilleamh suas le $85,000 de réir mar a aibíonn feabhsú 2019. Is féidir é a thosú ó 60 (0.6% níos lú sa mhí roimh 65) go 70 (0.7% níos mó sa mhí tar éis 65). Is é an t-uasmhéid ag 65 do phinsean a thosaíonn in Eanáir 2026 ná $1,507.65 sa mhí. Oibríonn QPP Québec ar an gcaoi chéanna. Tá sé beartaithe ag an rialtas feidearálach bunráta CPP a laghdú go 4.75% ó 2027.","Old Age Security":"Old Age Security","OAS is paid from 65 to people who lived in Canada at least 10 years after 18 (full pension after 40 years): up to $762.50 a month for ages 65–74 and $838.75 from 75 (October–December 2026). It can be deferred up to 5 years for 0.6% more per month and is reduced by 15% of net income above $93,454. The Guaranteed Income Supplement adds up to $1,138.90 a month for single people with low income.":"Íoctar OAS ó 65 le daoine a raibh cónaí orthu i gCeanada 10 mbliana ar a laghad tar éis aois 18 (pinsean iomlán tar éis 40 bliain): suas le $762.50 sa mhí d'aois 65–74 agus $838.75 ó 75 (Deireadh Fómhair–Nollaig 2026). Is féidir é a chur siar suas le 5 bliana (0.6% níos mó sa mhí) agus laghdaítear é faoi 15% den ghlanioncam os cionn $93,454. Cuireann an Forlíonadh Ioncaim Ráthaithe suas le $1,138.90 sa mhí le daoine aonair ar ioncam íseal.","RRSP contributions are deductible up to 18% of last year’s earned income, at most $33,810 in 2026 ({l} for you), less any pension adjustment from an employer plan. Withdrawals are taxed as income. A TFSA ($7,000 of new room a year) gives no deduction but tax-free growth and withdrawals.":"Is féidir ranníocaí RRSP a asbhaint suas le 18% d'ioncam oibre na bliana seo caite, $33,810 ar a mhéad in 2026 ({l} duitse), lúide coigeartú pinsin ó phlean fostóra. Gearrtar cáin ar aistarraingtí mar ioncam. Ní thugann TFSA ($7,000 de sheomra nua sa bhliain) asbhaint, ach tá fás agus aistarraingtí saor ó cháin.","Registered Retirement Savings Plan (RRSP), often with employer matching in a group plan: contributions are deductible and grow tax-free; withdrawals (or a RRIF from age 71) are taxed as income (about 25% used here). Interest in a taxable account is taxed at your marginal rate (30% used).":"Registered Retirement Savings Plan (RRSP), go minic le ranníoc ón bhfostóir i bplean grúpa: is féidir ranníocaí a asbhaint agus fásann siad saor ó cháin; gearrtar cáin ar aistarraingtí (nó RRIF ó 71) mar ioncam (thart ar 25% anseo). Gearrtar cáin ar ús i gcuntas inchánach ag do ráta imeallach (30% anseo).","Canada Day":"Lá Cheanada","Louis Riel Day":"Lá Louis Riel","Heritage Day":"Lá na hOidhreachta","Islander Day":"Lá na nOileánach","Family Day":"Lá an Teaghlaigh","National Patriots’ Day":"Lá Náisiúnta na dTírghráthóirí","Victoria Day":"Lá Victoria","Thanksgiving":"Lá an Altaithe","British Columbia Day":"Lá British Columbia","Saskatchewan Day":"Lá Saskatchewan","New Brunswick Day":"Lá New Brunswick","National Day for Truth and Reconciliation":"Lá Náisiúnta na Fírinne agus na hAthmhuintearais","Fête nationale (Saint-Jean-Baptiste)":"Fête nationale (Eoin Baiste)","Most provinces give at least 2 weeks of paid vacation a year (vacation pay 4%), rising to 3 weeks after 5 years in Ontario, British Columbia, Alberta and Manitoba, after 3 years in Quebec and after 8 years in the Maritimes; Saskatchewan gives 3 weeks from the start. The public holidays of the selected province are shown; federally regulated employers follow the Canada Labour Code.":"Tugann formhór na gcúigí 2 sheachtain ar a laghad de shaoire íoctha sa bhliain (pá saoire 4%), ag ardú go 3 seachtaine tar éis 5 bliana in Ontario, British Columbia, Alberta agus Manitoba, tar éis 3 bliana in Québec agus tar éis 8 mbliana sna cúigí muirí; tugann Saskatchewan 3 seachtaine ón tús. Taispeántar laethanta saoire poiblí an chúige roghnaithe; leanann fostóirí faoi rialáil fheidearálach an Canada Labour Code.","Maternity benefit (QPIP)":"Sochar máithreachais (QPIP)","70% of average weekly earnings (insurable up to $103,000 a year)":"70% den mheántuilleamh seachtainiúil (inárachais suas le $103,000 sa bhliain)","Paternity benefit (QPIP)":"Sochar atharthachta (QPIP)","5 weeks":"5 seachtaine","70% of average weekly earnings":"70% den mheántuilleamh seachtainiúil","Parental benefit (QPIP)":"Sochar tuismitheora (QPIP)","32 weeks to share (7 at 70% and 25 at 55%), plus bonus weeks when both parents take part":"32 seachtain le roinnt (7 ag 70% agus 25 ag 55%), móide seachtainí breise nuair a ghlacann an dá thuismitheoir páirt","EI sickness benefit":"Sochar breoiteachta EI","Up to 26 weeks after a one-week waiting period":"Suas le 26 seachtain tar éis seachtain feithimh","55% of insurable earnings, at most $729 a week":"55% den tuilleamh inárachais, $729 sa tseachtain ar a mhéad","EI maternity benefit":"Sochar máithreachais EI","15 weeks (from up to 12 weeks before the birth)":"15 seachtaine (ó suas le 12 seachtain roimh an mbreith)","EI parental benefit":"Sochar tuismitheora EI","Standard: 35 weeks (40 if shared); extended: 61 weeks (69 if shared)":"Caighdeánach: 35 seachtain (40 má roinntear); fadaithe: 61 seachtain (69 má roinntear)","55% (standard) or 33% (extended), at most $729 / $437 a week":"55% (caighdeánach) nó 33% (fadaithe), $729 / $437 sa tseachtain ar a mhéad","Canada Child Benefit":"Canada Child Benefit (sochar linbh)","Monthly, tax-free, by family net income and the children’s ages":"Míosúil, saor ó cháin, de réir ghlanioncam an teaghlaigh agus aois na leanaí","Dismissed without cause":"Dífhostaithe gan cúis","Employment standards set minimum written notice or pay in lieu: in Ontario 1 week after 3 months, 2 weeks after 1 year and 1 week per year up to 8 weeks, plus severance pay of 1 week per year (up to 26 weeks) after 5 years if the employer’s payroll is at least $2.5 million. Quebec: 1 to 8 weeks; British Columbia and Alberta: up to 8 weeks. Courts often award much longer “reasonable notice” under common law, which is not modelled here.":"Leagann caighdeáin fostaíochta síos íosfhógra scríofa nó pá ina ionad: in Ontario 1 seachtain tar éis 3 mhí, 2 sheachtain tar éis 1 bhliain agus 1 seachtain in aghaidh na bliana suas le 8 seachtain, móide íocaíocht scoir 1 seachtaine in aghaidh na bliana (suas le 26 seachtain) tar éis 5 bliana má tá párolla an fhostóra $2.5 milliún ar a laghad. Québec: 1 go 8 seachtain; British Columbia agus Alberta: suas le 8 seachtain. Is minic a dhámhann na cúirteanna «fógra réasúnta» i bhfad níos faide faoin dlí coiteann, rud nach ríomhtar anseo.","Employment Insurance":"Árachas Fostaíochta (EI)","After 420 to 700 insured hours (by region) EI regular benefits pay 55% of average insurable weekly earnings, at most $729 a week in 2026, for 14 to 45 weeks depending on your hours and the regional unemployment rate, after a one-week waiting period. Benefits are taxable.":"Tar éis 420 go 700 uair árachaithe (de réir réigiúin) íocann sochair rialta EI 55% den mheántuilleamh seachtainiúil inárachais, $729 sa tseachtain ar a mhéad in 2026, ar feadh 14 go 45 seachtain de réir d'uaireanta agus an ráta dífhostaíochta réigiúnaigh, tar éis seachtain feithimh. Tá na sochair inchánach.","RRSP contributions lower your tax at your marginal rate; a First Home Savings Account (FHSA, $8,000 a year) is deductible too and tax-free when you buy your first home.":"Laghdaíonn ranníocaí RRSP do cháin ag do ráta imeallach; is féidir First Home Savings Account (FHSA, $8,000 sa bhliain) a asbhaint freisin agus tá sé saor ó cháin nuair a cheannaíonn tú do chéad teach.","In Ontario the Health Premium (up to $900) is withheld with your income tax from $20,000 of taxable income.":"In Ontario baintear an Phréimh Sláinte (suas le $900) leis an gcáin ioncaim ó $20,000 d'ioncam inchánach.","The Canada Child Benefit (and Quebec’s family allowance) depends on family net income and is not included. Spouses file separately; a spouse with little income can transfer the spousal amount (not modelled).":"Braitheann an Canada Child Benefit (agus liúntas teaghlaigh Québec) ar ghlanioncam an teaghlaigh agus níl sé san áireamh. Déanann céilí tuairisceáin ar leith; is féidir le céile ar ioncam beag méid an chéile a aistriú (gan ríomh).","Ontario: notice up to 8 weeks + severance 1 week a year":"Ontario: fógra suas le 8 seachtain + íocaíocht scoir 1 seachtain sa bhliain","15 weeks EI at 55%, then 35 weeks parental":"15 seachtaine EI ag 55%, ansin 35 seachtain tuismitheora","5 extra weeks when parents share":"5 seachtaine breise nuair a roinneann na tuismitheoirí","35 weeks at 55% (or 61 at 33%)":"35 seachtain ag 55% (nó 61 ag 33%)","EI 55% up to 26 weeks":"EI 55% suas le 26 seachtain","Annual payroll deductions for one employee with the 2026 federal and provincial rules (full-year values) and only the basic personal amounts. Other credits (spouse, dependants, medical, tuition), the Canada Workers Benefit, employer health taxes and municipal land transfer taxes are not modelled.":"Asbhaintí párolla bliantúla d'fhostaí amháin le rialacha feidearálacha agus cúigeacha 2026 (luachanna bliana iomláine) agus na bunmhéideanna pearsanta amháin. Ní ríomhtar creidmheasanna eile (céile, cleithiúnaithe, costais leighis, táillí teagaisc), an Canada Workers Benefit, cánacha sláinte fostóirí ná cánacha aistrithe talún bardasacha.","Official sources: Canada Revenue Agency (T4127 Payroll Deductions Formulas, 122nd and 123rd editions, 2026; RRSP and TFSA limits), Revenu Québec (2026 tax rates, principal changes for 2026), Employment and Social Development Canada (CPP and OAS amounts 2026, EI), provincial employment standards acts, Statistics Canada (Survey of Household Spending 2023), OECD (life expectancy).":"Foinsí oifigiúla: Canada Revenue Agency (T4127 Payroll Deductions Formulas, 122ú agus 123ú heagrán, 2026; teorainneacha RRSP agus TFSA), Revenu Québec (rátaí 2026, príomhathruithe 2026), Employment and Social Development Canada (méideanna CPP agus OAS 2026, EI), achtanna cúigeacha um chaighdeáin fostaíochta, Statistics Canada (Survey of Household Spending 2023), ECFE (ionchas saoil).","Basic federal tax in the CRA bonus example (taxable income $55,450.76)":"Bunchnáin fheidearálach i sampla bónais an CRA (ioncam inchánach $55,450.76)","Federal basic personal amount at a net income of $220,000":"Bunmhéid pearsanta feidearálach ag glanioncam $220,000","Quebec tax before credits on $60,000 of taxable income":"Cáin Québec roimh chreidmheasanna ar $60,000 d'ioncam inchánach","British Columbia tax reduction at a net income of $30,000":"Laghdú cánach British Columbia ag glanioncam $30,000","Ontario surtax on $8,000 of basic Ontario tax":"Forcháin Ontario ar $8,000 de bhunchnáin Ontario","Ontario Health Premium at $60,000 of taxable income":"Préimh Sláinte Ontario ag $60,000 d'ioncam inchánach","Maximum employee CPP contribution":"Uasranníoc CPP an fhostaí","Maximum employee CPP2 contribution":"Uasranníoc CPP2 an fhostaí","Maximum employee EI premium (outside Quebec)":"Uasphréimh EI an fhostaí (lasmuigh de Québec)","Maximum employee QPP contribution":"Uasranníoc QPP an fhostaí","Maximum employee QPIP premium":"Uasphréimh QPIP an fhostaí","Maximum CPP retirement pension at 65, starting January 2026 (per month)":"Uaspinsean scoir CPP ag 65, ag tosú Eanáir 2026 (sa mhí)","Maximum Old Age Security pension, ages 65–74 (per month)":"Uaspinsean Old Age Security, aois 65–74 (sa mhí)","RRSP dollar limit 2026":"Teorainn RRSP 2026","Ontario minimum notice after 12 years (weeks)":"Íosfhógra Ontario tar éis 12 bhliain (seachtainí)","Maximum EI regular benefit per week (55% of $68,900 ÷ 52)":"Uasshochar rialta EI sa tseachtain (55% de $68,900 ÷ 52)","{n}: 10% pension savings + {c} commission":"{n}: 10% coigilteas pinsin + {c} coimisiún","Health 7% (Fonasa or Isapre minimum)":"Sláinte 7% (Fonasa nó íosmhéid Isapre)","Unemployment insurance 0.6%":"Árachas dífhostaíochta 0.6%","Income tax (impuesto único, withheld monthly)":"Cáin ioncaim (impuesto único, bainte gach mí)","Contribution ceiling 90 UF a month (unemployment insurance 135.2 UF)":"Uasteorainn ranníoca 90 UF sa mhí (árachas dífhostaíochta 135.2 UF)","Employer: pension 3.5% (from August 2026), unemployment insurance and work-accident insurance":"Fostóir: pinsean 3.5% (ó Lúnasa 2026), árachas dífhostaíochta agus árachas tionóiscí oibre","AFP account: about {b} saved (10% of your pay plus the new employer contribution, rising to 6% by 2033, at a 3% real return), paid as {a} a month over your expected {n} years. The legal retirement age is 65 for men and 60 for women. Years-of-contribution benefit (BAC): 0.1 UF per year, up to 2.5 UF, with at least 20 years (men) or 10 years (women): {c}. From 65 the Universal Guaranteed Pension (PGU) adds up to $231,732 a month ($250,275 from 75 now and for everyone from September 2027), reduced for base pensions above $789,139: {p}. Health 7% is deducted from pensions.":"Cuntas AFP: thart ar {b} coigilte (10% de do phá móide an ranníoc nua ón bhfostóir, ag ardú go 6% faoi 2033, le toradh réadach 3%), íoctha mar {a} sa mhí thar na {n} bliain a bhfuiltear ag súil leo. Is í an aois scoir dhlíthiúil 65 d'fhir agus 60 do mhná. Sochar Blianta Ranníoca (BAC): 0.1 UF in aghaidh na bliana, suas le 2.5 UF, le 20 bliain ar a laghad (fir) nó 10 mbliana (mná): {c}. Ó 65 cuireann an Pinsean Ráthaithe Uilíoch (PGU) suas le $231,732 sa mhí leis ($250,275 ó 75 anois agus do chách ó Mheán Fómhair 2027), laghdaithe do bhunphinsin os cionn $789,139: {p}. Baintear 7% sláinte de phinsin.","Contributions on 80% of fees: AFP 10% + commission, disability insurance (about 1.5%), health 7%, work-accident 0.93%":"Ranníocaí ar 80% de na táillí: AFP 10% + coimisiún, árachas míchumais (thart ar 1.5%), sláinte 7%, tionóiscí oibre 0.93%","Severance (30 days of pay per year of service: {n}, at most 11; pay capped at 90 UF)":"Íocaíocht scoir (30 lá pá in aghaidh na bliana seirbhíse: {n}, 11 ar a mhéad; pá teoranta do 90 UF)","Pay in lieu of 30 days’ notice (capped at 90 UF)":"Pá in ionad 30 lá fógra (teorainn 90 UF)","After resigning only your own unemployment-insurance account can be withdrawn":"Tar éis éirí as ní féidir ach do chuntas árachais dífhostaíochta féin a tharraingt","About {a} in month 1 (70% of your average pay), then 55%, 45%, 40% and 35%: paid from your unemployment-insurance account and, if it runs short, from the Solidarity Fund (which has monthly caps)":"Thart ar {a} i mí 1 (70% de do mheánphá), ansin 55%, 45%, 40% agus 35%: íoctha ó do chuntas árachais dífhostaíochta agus, mura leor é, ón gCiste Dlúthpháirtíochta (le huasteorainneacha míosúla)","Severance (months of pay)":"Íocaíocht scoir (míonna pá)","30 days is customary (not required by law)":"Is gnách 30 lá (ní éilíonn an dlí é)","30 days, or one month’s pay instead":"30 lá, nó pá míosa ina n-ionad","Labour Code art. 161–163":"Cód Saothair ailt 161–163","Chile":"An tSile","Pension fund (AFP)":"Ciste pinsin (AFP)","Contract":"Conradh","Indefinite (permanent)":"Buan (éiginnte)","Fixed-term":"Téarma seasta","Paid one month instead of 30 days’ notice":"Pá míosa íoctha in ionad 30 lá fógra","Employers withhold the impuesto único each month on pay after pension, health and unemployment contributions: exempt up to 13.5 UTM ($974,038 in October 2026), then 4%, 8%, 13.5%, 23%, 30.4% and 35%, and 40% above 310 UTM. The UTM is updated monthly with inflation.":"Baineann fostóirí an impuesto único gach mí den phá tar éis ranníocaí pinsin, sláinte agus dífhostaíochta: saor suas le 13.5 UTM ($974,038 i nDeireadh Fómhair 2026), ansin 4%, 8%, 13.5%, 23%, 30.4% agus 35%, agus 40% os cionn 310 UTM. Nuashonraítear an UTM gach mí de réir boilscithe.","Employees pay 10% into their AFP account plus the AFP’s commission (0.46% to 1.45%), 7% for health (Fonasa, or an Isapre plan costing at least that) and 0.6% unemployment insurance on an indefinite contract, on pay up to 90 UF a month. Under the 2025 pension reform employers pay a new contribution: 1% from August 2025, 3.5% from August 2026 (covering disability and survivors’ insurance), rising to 8.5% (6% for workers’ accounts). Minimum wage $553,553 a month from May 2026.":"Íocann fostaithe 10% isteach ina gcuntas AFP móide coimisiún an AFP (0.46% go 1.45%), 7% don tsláinte (Fonasa, nó plean Isapre a chosnaíonn an méid sin ar a laghad) agus 0.6% árachas dífhostaíochta ar chonradh buan, ar phá suas le 90 UF sa mhí. Faoi athchóiriú pinsin 2025 íocann fostóirí ranníoc nua: 1% ó Lúnasa 2025, 3.5% ó Lúnasa 2026 (lena n-áirítear árachas míchumais agus marthanóirí), ag ardú go 8.5% (6% do chuntais na n-oibrithe). Pá íosta $553,553 sa mhí ó Bhealtaine 2026.","Overtime is paid with at least a 50% supplement and is limited to 2 hours a day. The legal week is 42 hours from April 2026 and falls to 40 hours in April 2028 (Ley 21.561).":"Íoctar ragobair le forlíontas 50% ar a laghad agus tá teorainn 2 uair sa lá léi. Is í an tseachtain dhlíthiúil 42 uair ó Aibreán 2026 agus titfidh sí go 40 uair in Aibreán 2028 (Ley 21.561).","Fee earners (boletas de honorarios)":"Saothraithe táillí (boletas de honorarios)","Clients withhold 15.25% of gross fees in 2026 (rising to 17% in 2028). In the annual tax return the withholding first pays your social security contributions on 80% of your fees (AFP, disability insurance, health, work accidents) and then your income tax, calculated with presumed expenses of 30% (up to 15 UTA) on the annual scale.":"Coinníonn cliaint 15.25% de na táillí comhlána (ráta 2026, ag ardú go 17% in 2028). Sa tuairisceán bliantúil íocann an tsuim choinnithe do ranníocaí sóisialta ar 80% de na táillí ar dtús (AFP, árachas míchumais, sláinte, tionóiscí oibre) agus ansin do cháin ioncaim, ríofa le costais thoimhdithe 30% (suas le 15 UTA) ar an scála bliantúil.","AFP pension and the 2025 reform":"Pinsean AFP agus athchóiriú 2025","Your pension comes from your AFP account, paid as a life annuity or a programmed withdrawal from 65 (men) or 60 (women). The 2025 reform (Ley 21.735) adds an employer contribution that will put 6% more of your pay into your account, a Years-of-Contribution Benefit (0.1 UF per year, up to 2.5 UF) and compensation for women’s longer life expectancy.":"Tagann do phinsean ó do chuntas AFP, íoctha mar bhlianacht saoil nó mar tharraingt chláraithe ó 65 (fir) nó 60 (mná). Cuireann athchóiriú 2025 (Ley 21.735) ranníoc fostóra leis a chuirfidh 6% breise de do phá i do chuntas, Sochar Blianta Ranníoca (0.1 UF in aghaidh na bliana, suas le 2.5 UF) agus cúiteamh as ionchas saoil níos faide na mban.","Universal Guaranteed Pension (PGU)":"Pinsean Ráthaithe Uilíoch (PGU)","From 65, people in the 90% of the population with lower incomes receive the PGU: $231,732 a month from February 2026 for base pensions up to $789,139, falling to zero at $1,252,602. The reform raises it to $250,275, from September 2026 for those aged 75 and over and from September 2027 for everyone from 65.":"Ó 65, faigheann an 90% den daonra is ísle ioncam an PGU: $231,732 sa mhí ó Fheabhra 2026 do bhunphinsin suas le $789,139, ag titim go náid ag $1,252,602. Ardaíonn an t-athchóiriú é go $250,275, ó Mheán Fómhair 2026 dóibh siúd 75 bliana d'aois agus níos sine agus ó Mheán Fómhair 2027 do chách ó 65.","Voluntary pension savings (APV) under regime B are deducted from your taxable pay up to 50 UF a month ({l} a year); under regime A the state adds a 15% bonus instead (up to 6 UTM a year).":"Baintear coigilteas pinsin deonach (APV) faoi réimeas B de do phá inchánach suas le 50 UF sa mhí ({l} sa bhliain); faoi réimeas A cuireann an stát bónas 15% leis ina ionad (suas le 6 UTM sa bhliain).","Voluntary pension savings (APV) and collective APV plans with employer contributions: regime B lowers your income tax now and withdrawals at retirement are taxed as pension income (about 8% used here); early withdrawals are taxed with a surcharge.":"Coigilteas pinsin deonach (APV) agus pleananna APV comhchoiteanna le ranníocaí fostóra: laghdaíonn réimeas B do cháin anois agus gearrtar cáin ar aistarraingtí ag an scor mar ioncam pinsin (thart ar 8% anseo); gearrtar forcháin ar aistarraingtí luatha.","Navy Day":"Lá an Chabhlaigh","National Indigenous Peoples’ Day":"Lá Náisiúnta na bPobal Dúchasach","Saint Peter and Saint Paul":"Peadar agus Pól","Our Lady of Mount Carmel":"Muire Shliabh Chairmeil","Army Day":"Lá an Airm","Meeting of Two Worlds":"Teagmháil Dhá Shaol","Evangelical and Protestant Churches Day":"Lá na nEaglaisí Soiscéalacha agus Protastúnacha","15 working days of paid holiday a year after one year of service, plus one more day for every 3 years beyond 10 years of work (feriado progresivo). Holidays on a weekend are not moved; election days are also public holidays.":"15 lá oibre de shaoire íoctha sa bhliain tar éis bliain seirbhíse amháin, móide lá eile do gach 3 bliana os cionn 10 mbliana oibre (feriado progresivo). Ní aistrítear laethanta saoire poiblí ag an deireadh seachtaine; is laethanta saoire poiblí iad laethanta toghcháin freisin.","Prenatal and postnatal leave":"Saoire roimh agus tar éis breithe","6 weeks before and 12 weeks after the birth":"6 seachtaine roimh an mbreith agus 12 sheachtain ina diaidh","100% of taxable pay, up to the 90 UF ceiling":"100% den phá inchánach, suas go dtí an uasteorainn 90 UF","Parental postnatal leave":"Saoire tuismitheora tar éis breithe","12 weeks full-time or 18 weeks part-time; the last 6 weeks can go to the father":"12 sheachtain lánaimseartha nó 18 seachtain pháirtaimseartha; is féidir na 6 seachtaine deiridh a thabhairt don athair","100% of taxable pay, up to 90 UF":"100% den phá inchánach, suas le 90 UF","Sick pay (subsidio de incapacidad laboral)":"Sochar breoiteachta (subsidio de incapacidad laboral)","From day 4 (from day 1 when the leave exceeds 10 days)":"Ó lá 4 (ó lá 1 nuair a mhaireann an tsaoire níos mó ná 10 lá)","Average taxable pay of the last 3 months":"Meánphá inchánach na 3 mhí deiridh","Dismissed for the company’s needs":"Dífhostaithe ar mhaithe le riachtanais an chomhlachta","When the employer dismisses you for the company’s needs (art. 161) after at least one year, you get 30 days of your last monthly pay for each year of service (a fraction above 6 months counts as a year), up to 330 days (11 years), with pay capped at 90 UF; plus one month’s pay if the 30 days’ notice is not given. Severance within these limits is tax-free.":"Nuair a dhífhostaíonn an fostóir thú ar mhaithe le riachtanais an chomhlachta (alt 161) tar éis bliain amháin ar a laghad, faigheann tú 30 lá de do phá míosúil deiridh do gach bliain seirbhíse (áirítear codán os cionn 6 mhí mar bhliain), suas le 330 lá (11 bhliain), le pá teoranta do 90 UF; móide pá míosa mura dtugtar fógra 30 lá. Laistigh de na teorainneacha seo tá an íocaíocht saor ó cháin.","The unemployment insurance (AFC) pays first from your individual account and then, if it runs short, from the Solidarity Fund: 70% of your average pay in month 1, 55%, 45%, 40% and 35% in months 2–5 (more months in times of high unemployment), with upper and lower limits on the fund’s payments. The employer’s 1.6% share of its 2.4% contribution can be deducted from your severance.":"Íocann an t-árachas dífhostaíochta (AFC) ar dtús ó do chuntas aonair agus ansin, mura leor é, ón gCiste Dlúthpháirtíochta: 70% de do mheánphá i mí 1, 55%, 45%, 40% agus 35% i míonna 2–5 (níos mó míonna in aimsir dífhostaíochta arda), le huasteorainneacha agus íosteorainneacha ar íocaíochtaí an chiste. Is féidir sciar 1.6% an fhostóra dá ranníoc 2.4% a bhaint de d'íocaíocht scoir.","Your AFP charges {c} of your pay; AFP Uno charges 0.46%. You can switch AFP at any time online.":"Gearrann do AFP {c} de do phá; gearrann AFP Uno 0.46%. Is féidir leat AFP a athrú am ar bith ar líne.","Many employers pay the legal gratification (25% of pay, up to 4.75 minimum wages a year); if yours does, include it in your gross pay.":"Íocann go leor fostóirí an gratificación dlíthiúil (25% den phá, suas le 4.75 phá íosta sa bhliain); má íocann d'fhostóir é, cuir san áireamh i do phá comhlán é.","Family allowances (asignación familiar and the Subsidio Único Familiar) are income-tested and not included. Spouses are taxed separately.":"Tá liúntais teaghlaigh (asignación familiar agus Subsidio Único Familiar) faoi réir tástáil ioncaim agus níl siad san áireamh. Gearrtar cáin ar chéilí ar leith.","30 days per year, up to 11 years (90 UF cap)":"30 lá in aghaidh na bliana, suas le 11 bhliain (teorainn 90 UF)","18 weeks at 100%, then 12 weeks parental":"18 seachtain ag 100%, ansin 12 sheachtain tuismitheora","12 weeks at 100% (up to 6 for the father)":"12 sheachtain ag 100% (suas le 6 don athair)","100% from day 4":"100% ó lá 4","Monthly withholding for one employee with the October 2026 UTM, the 30 September 2026 UF and the employer rates from August 2026. The legal gratification, Isapre plans above 7%, family allowances and the annual tax reconciliation are not modelled.":"Coinneáil mhíosúil d'fhostaí amháin le UTM Dheireadh Fómhair 2026, UF an 30 Meán Fómhair 2026 agus rátaí an fhostóra ó Lúnasa 2026. Ní ríomhtar an gratificación dlíthiúil, pleananna Isapre os cionn 7%, liúntais teaghlaigh ná réiteach bliantúil na cánach.","Official sources: Servicio de Impuestos Internos (impuesto único table October 2026, UF and UTM, dólar observado), Superintendencia de Pensiones (AFP commissions, employer contribution under Ley 21.735, contribution ceilings 2026), Dirección del Trabajo (Ley 21.830 minimum wage, Labour Code), ChileAtiende (PGU 2026), INE (IX Encuesta de Presupuestos Familiares), Banco Central de Chile, OECD (life expectancy).":"Foinsí oifigiúla: Servicio de Impuestos Internos (tábla impuesto único Dheireadh Fómhair 2026, UF agus UTM, dólar observado), Superintendencia de Pensiones (coimisiúin AFP, ranníoc fostóra faoi Ley 21.735, uasteorainneacha ranníoca 2026), Dirección del Trabajo (pá íosta Ley 21.830, Cód Saothair), ChileAtiende (PGU 2026), INE (IX Suirbhé Buiséid Teaghlaigh), Banco Central de Chile, ECFE (ionchas saoil).","Monthly income tax on $3,000,000 of taxable pay (October 2026)":"Cáin ioncaim mhíosúil ar $3,000,000 de phá inchánach (Deireadh Fómhair 2026)","Monthly income tax on $10,000,000 of taxable pay (October 2026)":"Cáin ioncaim mhíosúil ar $10,000,000 de phá inchánach (Deireadh Fómhair 2026)","Tax-free monthly threshold (13.5 UTM)":"Tairseach mhíosúil saor ó cháin (13.5 UTM)","Monthly contribution ceiling (90 UF), September 2026":"Uasteorainn mhíosúil ranníoca (90 UF), Meán Fómhair 2026","AFP Uno deduction on $1,000,000 (10% + 0.46%)":"Asbhaint AFP Uno ar $1,000,000 (10% + 0.46%)","Universal Guaranteed Pension (PGU) for a base pension of $500,000":"Pinsean Ráthaithe Uilíoch (PGU) do bhunphinsean $500,000","PGU from age 75 (from September 2026)":"PGU ó aois 75 (ó Mheán Fómhair 2026)","Severance after 15 years at $1,000,000 a month (11-year cap)":"Íocaíocht scoir tar éis 15 bliana ag $1,000,000 sa mhí (teorainn 11 bhliain)","Osijek, Zadar, Dubrovnik and others at 20% / 30%":"Osijek, Zadar, Dubrovnik agus áiteanna eile ag 20% / 30%","Pension insurance, pillar I 15%":"Árachas pinsin, colún I 15%","Pension insurance, pillar I 20%":"Árachas pinsin, colún I 20%","Pension insurance, pillar II 5%":"Árachas pinsin, colún II 5%","Income tax ({a} / {b}, {c})":"Cáin ioncaim ({a} / {b}, {c})","Personal allowance (per year)":"Liúntas pearsanta (in aghaidh na bliana)","Low-wage relief on the pillar-I pension base (per year)":"Faoiseamh do phá íseal ar bhonn pinsin colún I (in aghaidh na bliana)","Employer health insurance 16.5%":"Árachas sláinte an fhostóra 16.5%","Pillar I pension: {p} personal points (your average pay ratio {v} × {y} years) × €15.64 (current pension value from 1 July 2026){s}. Pillar II account about {b}, paid as {a} a month. Old-age pension at 65 (women {l} in {r}) with 15 years; early pension from {e} with {k} years, cut by 0.2% a month (at most 12%); with 41 years from 60 without a cut. Each month after the age adds 0.45% (up to 5 years).":"Pinsean colún I: {p} pointe pearsanta (do mheáncheimhiú pá {v} × {y} bliain) × €15.64 (luach reatha pinsin ón 1 Iúil 2026){s}. Cuntas colún II thart ar {b}, íoctha mar {a} sa mhí. Pinsean seanaoise ag 65 (mná {l} in {r}) le 15 bliana; pinsean luath ó {e} le {k} bliain, laghdaithe 0.2% sa mhí (12% ar a mhéad); le 41 bliain ó 60 gan laghdú. Cuireann gach mí tar éis na haoise 0.45% leis (suas le 5 bliana).",", basic pension 75% for pillar II members":", bunphinsean 75% do bhaill colún II"," + 27% supplement":" + forlíonadh 27%","Pension 20% + health 16.5% on profit (at least €1,295.45 a month)":"Pinsean 20% + sláinte 16.5% ar an mbrabús (€1,295.45 sa mhí ar a laghad)","Severance (at least 1/3 of monthly pay per year of service, at most 6 months)":"Íocaíocht scoir (1/3 den phá míosúil in aghaidh na bliana seirbhíse ar a laghad, 6 mhí ar a mhéad)","{a} a month for the first 90 days (60% of your gross pay, at most €1,014), then 35% and 30%, for {n} days in total":"{a} sa mhí don chéad 90 lá (60% de do phá comhlán, €1,014 ar a mhéad), ansin 35% agus 30%, ar feadh {n} lá san iomlán","{m} months":"{m} mí","Labour Act art. 122 and 126":"Acht Saothair ailt 122 agus 126","Croatia":"An Chróit","Place of residence (local tax rates)":"Áit chónaithe (rátaí cánach áitiúla)","Member of the mandatory pension fund (pillar II)":"Ball den chiste pinsin éigeantach (colún II)","Income after pension contributions and the personal allowance (€600 a month, more for children and dependants) is taxed at the lower local rate up to €60,000 a year and the higher rate above. Each town sets its rates within legal ranges (Zagreb up to 23% / 33%; 20% / 30% where no decision was adopted). People under 25 pay no income tax and those aged 25–30 pay half.":"Gearrtar cáin ar an ioncam tar éis ranníocaí pinsin agus an liúntais phearsanta (€600 sa mhí, níos mó do leanaí agus do chleithiúnaithe) ag an ráta áitiúil íseal suas le €60,000 sa bhliain agus ag an ráta ard os a chionn sin. Socraíonn gach baile a rátaí laistigh de raonta dlíthiúla (Zagreb suas le 23% / 33%; 20% / 30% mura bhfuil cinneadh ann). Ní íocann daoine faoi 25 cáin ioncaim agus íocann daoine 25–30 a leath.","Employees pay 20% for pensions (15% pillar I and 5% pillar II for fund members) on pay up to €11,958 a month; for pay up to €1,300 the pillar-I base is reduced (by €300 up to €700). Employers pay 16.5% health insurance on top. Minimum wage €1,050 a month in 2026.":"Íocann fostaithe 20% do phinsin (15% colún I agus 5% colún II do bhaill chiste) ar phá suas le €11,958 sa mhí; do phá suas le €1,300 laghdaítear bonn colún I (€300 suas le €700). Íocann fostóirí 16.5% árachas sláinte sa bhreis. Pá íosta €1,050 sa mhí in 2026.","Labour Act and collective agreements":"Acht Saothair agus comhaontuithe comhchoiteanna","Overtime is limited to 10 hours a week and 180 hours a year (250 with a collective agreement) and must be paid with a supplement set by the employment contract or collective agreement, commonly 50%. Night and Sunday work are also paid with supplements.":"Tá teorainn le ragobair: 10 n-uaire sa tseachtain agus 180 uair sa bhliain (250 le comhaontú comhchoiteann), agus caithfear í a íoc le forlíontas a shocraítear sa chonradh nó sa chomhaontú, de ghnáth 50%. Íoctar forlíontais ar obair oíche agus Domhnaigh freisin.","10 h / week, 180 h / year":"10 n-u / seachtain, 180 u / bliain","Sole trader (obrt) taxed on income":"Trádálaí aonair (obrt) faoi cháin ioncaim","A sole trader keeping books pays pension (20%) and health (16.5%) contributions on profit, at least on €1,295.45 a month in 2026 (€472.84 a month), and income tax at the local rates after the €7,200 allowance. Flat-rate taxation (paušalni obrt, revenue up to €60,000) is not modelled.":"Íocann trádálaí aonair a choinníonn leabhair ranníocaí pinsin (20%) agus sláinte (16.5%) ar an mbrabús, ar €1,295.45 sa mhí ar a laghad in 2026 (€472.84 sa mhí), agus cáin ioncaim ag na rátaí áitiúla tar éis an liúntais €7,200. Ní ríomhtar cánachas ráta chothroim (paušalni obrt, láimhdeachas suas le €60,000).","The pillar-I pension is personal points (your pay compared with the national average each year, times years of service) times the current pension value, €15.64 from 1 July 2026, which is adjusted every January and July. Pensions from pillar I only receive a 27% supplement; members of a mandatory pension fund get a basic pension from 75% of their points plus a pension from their pillar-II account.":"Is é pinsean colún I na pointí pearsanta (do phá i gcomparáid leis an meán náisiúnta gach bliain, faoi bhlianta seirbhíse) faoin luach reatha pinsin, €15.64 ón 1 Iúil 2026, a choigeartaítear gach Eanáir agus Iúil. Faigheann pinsin ó cholún I amháin forlíonadh 27%; faigheann baill de chiste éigeantach bunphinsean ar 75% dá bpointí móide pinsean óna gcuntas colún II.","Conditions":"Coinníollacha","In 2026: men at 65 and women at 64 with 15 years (women’s conditions reach men’s by 2030); early pension from 60 (women 59) with 35 years (women 34), reduced by 0.2% per month; with 41 years of service from 60 without a reduction.":"In 2026: fir ag 65 agus mná ag 64 le 15 bliana (sroicheann coinníollacha na mban coinníollacha na bhfear faoi 2030); pinsean luath ó 60 (mná 59) le 35 bliana (mná 34), laghdaithe 0.2% sa mhí; le 41 bliain seirbhíse ó 60 gan laghdú.","Voluntary pension insurance (pillar III) gives no tax deduction, but the state adds 15% of your contributions up to €663.61 a year (at most €99.54); employer contributions are tax-free up to €67 a month.":"Ní thugann árachas pinsin deonach (colún III) asbhaint cánach, ach cuireann an stát 15% de do ranníocaí leis suas le €663.61 sa bhliain (€99.54 ar a mhéad); tá ranníocaí fostóra saor ó cháin suas le €67 sa mhí.","Voluntary pension funds (pillar III): the state incentive adds 15% of up to €663.61 a year, employers can pay up to €67 a month tax-free, and the money can be paid out from 55. Interest and capital income are taxed at 12% (not modelled for pillar III).":"Cistí pinsin deonacha (colún III): cuireann dreasacht an stáit 15% le suas le €663.61 sa bhliain, is féidir le fostóirí suas le €67 sa mhí a íoc saor ó cháin, agus is féidir an t-airgead a fháil ó 55. Gearrtar 12% cánach ar ús agus ar ioncam caipitil (gan ríomh do cholún III).","Anti-Fascist Struggle Day":"Lá na Troda Frith-Fhaisisteach","Victory and Homeland Thanksgiving Day":"Lá an Bhua agus an Bhuíochais don Tír Dhúchais","Remembrance Day (Vukovar and Škabrnja)":"Lá Cuimhneacháin (Vukovar agus Škabrnja)","Saint Stephen’s Day":"Lá Fhéile Stiofáin","At least 4 weeks of paid leave a year (20 days for a 5-day week); collective agreements usually add days for seniority, children and disability. Holidays on a weekend are not moved.":"4 seachtaine ar a laghad de shaoire íoctha sa bhliain (20 lá do sheachtain 5 lá); is minic a chuireann comhaontuithe comhchoiteanna laethanta leis do sheirbhís, do leanaí agus do mhíchumas. Ní aistrítear laethanta saoire poiblí ag an deireadh seachtaine.","Compulsory from 28 days before the birth until the child is 6 months old":"Éigeantach ó 28 lá roimh an mbreith go dtí go mbíonn an leanbh 6 mhí d'aois","10 working days (15 for twins), within 6 months of the birth":"10 lá oibre (15 do chúpla), laistigh de 6 mhí ón mbreith","100% of average pay, with a ceiling":"100% den mheánphá, le huasteorainn","4 months per parent (2 not transferable) for the first and second child, 15 months each from the third":"4 mhí in aghaidh an tuismitheora (2 neamh-inaistrithe) don chéad agus don dara leanbh, 15 mhí an duine ón tríú leanbh","100% of average pay up to a monthly ceiling":"100% den mheánphá suas le huasteorainn mhíosúil","Monthly, by household income":"Míosúil, de réir ioncam an teaghlaigh","First 42 days paid by the employer, then by the health insurance fund (HZZO)":"Íocann an fostóir na chéad 42 lá, ansin an ciste árachais sláinte (HZZO)","At least 70% of average pay":"70% den mheánphá ar a laghad","The notice period is 2 weeks under 1 year of service, 1 month after 1 year, 6 weeks after 2, 2 months after 5, 2.5 months after 10 and 3 months after 20 years, plus 2 weeks (age 50+) or 1 month (age 55+) with 20 years at the same employer. After 2 years, dismissal not caused by the worker gives severance of at least one third of average monthly pay per year of service, at most 6 months’ pay; up to €1,500 per year of service is tax-free.":"Is é an fógra 2 sheachtain faoi 1 bhliain seirbhíse, 1 mhí tar éis 1 bhliain, 6 seachtaine tar éis 2, 2 mhí tar éis 5, 2.5 mhí tar éis 10 agus 3 mhí tar éis 20 bliain, móide 2 sheachtain (ó 50) nó 1 mhí (ó 55) le 20 bliain ag an bhfostóir céanna. Tar éis 2 bhliain, tugann dífhostú nach é an t-oibrí is cúis leis íocaíocht scoir de thrian ar a laghad den mheánphá míosúil in aghaidh na bliana seirbhíse, 6 mhí pá ar a mhéad; tá suas le €1,500 in aghaidh na bliana seirbhíse saor ó cháin.","With 9 months of work in the last 24 (6 months under age 30) the Croatian Employment Service pays 60% of your average gross pay for the first 90 days, 35% up to day 180 and 30% after, capped at 70%, 40% and 35% of the 2025 average net wage and at least 50% of the net minimum wage; it lasts from 90 days (up to 2 years of work) to 450 days (over 25 years).":"Le 9 mí oibre sna 24 mhí deiridh (6 mhí faoi 30 bliain) íocann Seirbhís Fostaíochta na Cróite 60% de do mheánphá comhlán don chéad 90 lá, 35% go dtí lá 180 agus 30% ina dhiaidh sin, le huasteorainn 70%, 40% agus 35% de mheánghlanphá 2025 agus 50% ar a laghad den ghlanphá íosta; maireann sé ó 90 lá (suas le 2 bhliain oibre) go 450 lá (os cionn 25 bliana).","Under 25 you pay no income tax, and from 25 to 30 half of it; this is already applied.":"Faoi 25 ní íocann tú cáin ioncaim, agus ó 25 go 30 íocann tú a leath; tá sé seo curtha i bhfeidhm cheana.","Pillar III voluntary pension savings earn a 15% state incentive on up to €663.61 a year.":"Faigheann coigilteas pinsin deonach colún III dreasacht stáit 15% ar suas le €663.61 sa bhliain.","The child allowance depends on household income and is not included. Each child raises the personal allowance of the parent who claims it (0.5, 0.7, 1.0 … × €600), which is applied.":"Braitheann liúntas linbh ar ioncam an teaghlaigh agus níl sé san áireamh. Ardaíonn gach leanbh liúntas pearsanta an tuismitheora a éilíonn é (0.5, 0.7, 1.0 … × €600), rud atá curtha i bhfeidhm.","1/3 of pay per year after 2 years, at most 6 months":"1/3 den phá in aghaidh na bliana tar éis 2 bhliain, 6 mhí ar a mhéad","To 6 months at 100%, then parental leave":"Suas le 6 mhí ag 100%, ansin saoire tuismitheora","4 months per parent at 100% (ceiling)":"4 mhí in aghaidh an tuismitheora ag 100% (uasteorainn)","70%+ (employer first 42 days)":"70%+ (fostóir na chéad 42 lá)","Annual tax and contributions for one employee with the 2026 rules, the local rates of the selected place and the personal allowance for children. Dependants other than children, disability allowances, tax-free benefits (such as the Christmas bonus up to €700 a year) and the annual return are not modelled.":"Cáin agus ranníocaí bliantúla d'fhostaí amháin le rialacha 2026, rátaí áitiúla na háite roghnaithe agus an liúntas pearsanta do leanaí. Ní ríomhtar cleithiúnaithe seachas leanaí, liúntais mhíchumais, sochair saor ó cháin (mar bhónas na Nollag suas le €700 sa bhliain) ná an tuairisceán bliantúil.","Official sources: Income Tax Act (art. 14, 19, 19a), Contributions Act and the Order on contribution bases for 2026 (NN 150/25), Labour Market Act (unemployment benefit), Labour Act (notice and severance), Croatian Pension Insurance Institute and the decision on the current pension value from 1 July 2026 (NN 95/26), Croatian National Bank (consumer lending criteria), Eurostat.":"Foinsí oifigiúla: an tAcht Cánach Ioncaim (ailt 14, 19, 19a), an tAcht Ranníocaí agus an tOrdú ar bhoinn ranníoca do 2026 (NN 150/25), an tAcht um Margadh an tSaothair (sochar dífhostaíochta), an tAcht Saothair (fógra agus íocaíocht scoir), Institiúid Árachais Pinsin na Cróite agus an cinneadh ar an luach reatha pinsin ón 1 Iúil 2026 (NN 95/26), Banc Náisiúnta na Cróite (critéir iasachta), Eurostat.","Monthly personal allowance with two children":"Liúntas pearsanta míosúil le 2 leanbh","Income tax on a yearly base of €70,000 in Zagreb":"Cáin ioncaim ar bhonn bliantúil €70,000 i Zagreb","Monthly pension contributions at €15,000 gross (maximum base)":"Ranníocaí pinsin míosúla ag €15,000 comhlán (uasbhonn)","Pillar-I base relief at €1,120 gross":"Faoiseamh ar bhonn colún I ag €1,120 comhlán","Maximum unemployment benefit, first 90 days (per month)":"Uasshochar dífhostaíochta, an chéad 90 lá (sa mhí)","Minimum unemployment benefit (50% of the net minimum wage)":"Íosshochar dífhostaíochta (50% den ghlanphá íosta)","Unemployment benefit duration with 12 years of work (days)":"Fad an tsochair dífhostaíochta le 12 bhliain oibre (laethanta)","Minimum monthly contributions of a sole trader taxed on income":"Íosranníocaí míosúla trádálaí aonair faoi cháin ioncaim","Other provinces (estimate)":"Cúigí eile (meastachán)","Ontario land transfer tax less the first-time buyer refund (up to $4,000; Toronto adds a municipal tax)":"Cáin aistrithe talún Ontario lúide aisíocaíocht an chéad cheannaitheora (suas le $4,000; cuireann Toronto cáin bhardasach leis)","Ontario land transfer tax (Toronto adds a municipal tax)":"Cáin aistrithe talún Ontario (cuireann Toronto cáin bhardasach leis)","BC property transfer tax with the first-time home buyers’ exemption (tax on the first $500,000, homes up to $835,000)":"Cáin aistrithe maoine BC leis an díolúine do chéad cheannaitheoirí (cáin ar an gcéad $500,000, tithe suas le $835,000)","BC property transfer tax":"Cáin aistrithe maoine BC","Alberta has no land transfer tax: land titles fees for the transfer and the mortgage (estimate)":"Níl cáin aistrithe talún ag Alberta: táillí clárlainne talún don aistriú agus don mhorgáiste (meastachán)","Quebec welcome tax on property transfers (0.5% / 1% / 1.5%, outside Montreal; estimate of the indexed bands)":"Cáin aistrithe Québec («welcome tax», 0.5% / 1% / 1.5%, lasmuigh de Montréal; meastachán ar na bandaí innéacsaithe)","Provincial land transfer tax or registration fees (estimate, about 1%)":"Cáin aistrithe chúigeach nó táillí cláraithe (meastachán, thart ar 1%)","Mortgage default insurance premium (CMHC rates; usually added to the loan)":"Préimh árachais mainneachtana morgáiste (rátaí CMHC; curtha leis an iasacht de ghnáth)","Lawyer or notary, title insurance and appraisal (estimate)":"Dlíodóir nó nótaire, árachas teidil agus luacháil (meastachán)","Stamp tax on the loan 0.8%":"Cáin stampála ar an iasacht 0.8%","Notary and property registry (Conservador de Bienes Raíces), estimate about 0.6%":"Nótaire agus clárlann maoine (Conservador de Bienes Raíces), meastachán thart ar 0.6%","Bank appraisal and legal study of the title (estimate, about 12 UF)":"Luacháil an bhainc agus staidéar dlíthiúil ar an teideal (meastachán, thart ar 12 UF)","Real estate transfer tax 3% (paid by the buyer)":"Cáin aistrithe maoine 3% (íoctha ag an gceannaitheoir)","Notary, land registry, valuation and loan fees (estimate, about 0.6%)":"Nótaire, clárlann talún, luacháil agus táillí iasachta (meastachán, thart ar 0.6%)","Mortgage interest on a home loan is deductible up to 8 UTA a year (art. 55 bis LIR), in full for taxable income up to 90 UTA and tapering to nothing at 150 UTA; worth your top tax rate":"Is féidir ús ar iasacht tí a asbhaint suas le 8 UTA sa bhliain (alt 55 bis LIR), go hiomlán d'ioncam inchánach suas le 90 UTA agus ag laghdú go náid ag 150 UTA; luach de réir do ráta cánach is airde","No deduction for the home you live in; a First Home Savings Account (FHSA) and the RRSP Home Buyers’ Plan help with the down payment (not modelled).":"Gan asbhaint don teach ina gcónaíonn tú; cabhraíonn First Home Savings Account (FHSA) agus Home Buyers’ Plan an RRSP leis an éarlais (gan ríomh).","Insured mortgages need at least 5% down on the first $500,000 and 10% on the part up to $1.5 million (default insurance required below 20% down); uninsured loans are limited to 80% of the value. OSFI’s stress test requires qualifying at the higher of your rate + 2 points and 5.25%, and housing costs are usually limited to about 39% of gross income (44% for all debts).":"Éilíonn morgáistí árachaithe éarlais 5% ar a laghad ar an gcéad $500,000 agus 10% ar an gcuid suas le $1.5 milliún (árachas riachtanach faoi éarlais 20%); tá iasachtaí neamhárachaithe teoranta do 80% den luach. Éilíonn tástáil strus OSFI cáiliú ag an ráta is airde idir do ráta + 2 phointe agus 5.25%, agus is gnách go bhfuil costais tithíochta teoranta do thart ar 39% den ioncam comhlán (44% do gach fiach).","No binding borrower limits. Banks usually finance up to 80% of the value (90% with the state FOGAES guarantee for a first home), and the monthly payment usually may not exceed about 25% of household income.":"Gan teorainneacha ceangailteacha. Maoiníonn bainc suas le 80% den luach de ghnáth (90% le ráthaíocht stáit FOGAES do chéad teach), agus ní féidir leis an íocaíocht mhíosúil dul thar thart ar 25% d'ioncam an teaghlaigh de ghnáth.","Croatian National Bank, from 1 July 2025: housing loans at most 90% of the property value, total debt payments at most 45% of income, at most 30 years; banks may exceed the limits for a limited share of loans.":"Banc Náisiúnta na Cróite, ón 1 Iúil 2025: iasachtaí tithíochta 90% de luach na maoine ar a mhéad, íocaíochtaí fiachais iomlána 45% den ioncam ar a mhéad, 30 bliain ar a mhéad; is féidir le bainc dul thar na teorainneacha do chion teoranta d'iasachtaí.","The CPP estimate treats your earnings as a share of the YMPE in today’s money and assumes full Old Age Security residence unless you change it; your official estimate is in My Service Canada Account.":"Láimhseálann meastachán CPP do thuilleamh mar chion den YMPE in airgead an lae inniu agus glacann sé leis go bhfuil cónaí iomlán agat don Old Age Security mura n-athraíonn tú é; tá do mheastachán oifigiúil i My Service Canada Account.","The employer contribution under the 2025 reform is phased in on a straight line from 0.1% (2026) to 6% (2033); the official calendar has yearly steps. Your AFP balance and the annuity depend on returns and the official mortality tables.":"Cuirtear ranníoc fostóra athchóiriú 2025 i bhfeidhm go líneach ó 0.1% (2026) go 6% (2033); tá céimeanna bliantúla sa sceideal oifigiúil. Braitheann d'iarmhéid AFP agus an bhlianacht ar thorthaí agus ar na táblaí básmhaireachta oifigiúla.","The pension is an estimate: personal points use the 2025 average wage for every year, and the split between pillar I (75% for fund members) and the pillar II annuity is simplified.":"Is meastachán é an pinsean: úsáideann na pointí pearsanta meánphá 2025 do gach bliain, agus tá an roinnt idir colún I (75% do bhaill chiste) agus blianacht colún II simplithe.","EI weeks are estimated from your years of work (as hours) and the regional unemployment rate; court-awarded common-law notice is often much longer than the minimum shown.":"Meastar seachtainí EI ó do bhlianta oibre (mar uaireanta) agus ón ráta dífhostaíochta réigiúnach; is minic a bhíonn an fógra a dhámhann cúirteanna faoin dlí coiteann i bhfad níos faide ná an t-íosmhéid a thaispeántar.","Unemployment insurance is shown as 70% to 35% of your pay for five months; the Solidarity Fund’s monthly caps and your actual account balance are not modelled.":"Taispeántar árachas dífhostaíochta mar 70% go 35% de do phá ar feadh cúig mhí; ní ríomhtar uasteorainneacha míosúla an Chiste Dlúthpháirtíochta ná fíoriarmhéid do chuntais.","Your RRSP":"Do RRSP","Your APV":"Do APV","Send this message to {e}. If your email app does not open, copy the message and paste it into a new email.":"Seol an teachtaireacht seo chuig {e}. Mura n-osclaíonn d'aip ríomhphoist, cóipeáil an teachtaireacht agus greamaigh i ríomhphost nua í.","Open in my email app":"Oscail i m'aip ríomhphoist","Copy message":"Cóipeáil an teachtaireacht","Copied":"Cóipeáilte","You allowed PayAbacus to remember your inputs on this device.":"Thug tú cead do PayAbacus d'ionchur a mheabhrú ar an ngléas seo.","You chose not to have your inputs remembered; nothing is stored except this choice.":"Roghnaigh tú gan d'ionchur a mheabhrú; ní stóráiltear aon rud ach an rogha seo.","You have not chosen yet, so nothing is remembered.":"Níl rogha déanta agat fós, mar sin ní mheabhraítear aon rud.","Stop remembering":"Stop ag meabhrú","Remember on this device":"Meabhraigh ar an ngléas seo","This notice explains what happens to data when you use PayAbacus. The person responsible (the controller) is named at the end.||No accounts and nothing sent: all calculations run in your browser. What you type is not sent to us or to anyone else, and we cannot see it.||No cookies and no tracking: the site uses no cookies, analytics, advertising, social-media plugins or profiling. Everything the page needs, including its fonts and chart library, is served from this website itself, so no other company is contacted while you use it.||Storage on your device, only with your consent: if you choose “Remember on this device”, your last inputs, language, theme and the sections you opened are kept in your browser’s local storage so you find them next time. This data stays on your device and is never sent to us. Your choice itself is stored so that we do not ask again. The legal basis is your consent (Article 6(1)(a) GDPR and Article 4(5) of Greek Law 3471/2006). You can withdraw it at any time with the button below; this deletes the stored data and does not affect what was lawful before.||Hosting: to deliver the pages, the company that hosts this website automatically receives the technical data every browser sends (IP address, date and time, page requested, browser and device type) and may keep it for a short time in server logs for security and troubleshooting. We do not use this data to identify you or to analyse your visits.||Emails: if you write to us, including with “Report a mistake”, we receive your email address and what you write. The report window only prepares a message that you can read and change; nothing is sent until you send it yourself. We use your message only to reply and to correct the site (legitimate interest, Article 6(1)(f) GDPR) and delete it when it is no longer needed, at the latest after two years. Messages to our address are forwarded by Cloudflare Email Routing to a mailbox provided by Google (Gmail); both process the messages for us.||Your rights: you can ask for access to your personal data, its correction or erasure, restriction of processing and data portability, you can object to processing, and you can withdraw consent at any time. No automated decisions or profiling take place. The site is not directed at children under 15.||We will update this notice if our practices change. Last updated: 12 October 2026.":"Míníonn an fógra seo cad a tharlaíonn do shonraí nuair a úsáideann tú PayAbacus. Luaitear an rialaitheoir ag an deireadh.||Gan chuntais agus gan aon rud a sheoladh: déantar na ríomhanna go léir i do bhrabhsálaí. Ní sheoltar an méid a scríobhann tú chugainne ná chuig aon duine eile, agus ní féidir linn é a fheiceáil.||Gan fianáin agus gan rianú: ní úsáideann an suíomh fianáin, anailísíocht, fógraíocht, breiseáin na meán sóisialta ná próifíliú. Tagann gach rud a theastaíonn ón leathanach, na clónna agus an leabharlann cairteacha san áireamh, ón suíomh seo féin; ní dhéantar teagmháil le haon chomhlacht eile agus tú á úsáid.||Stóráil ar do ghléas, le do thoiliú amháin: má roghnaíonn tú «Meabhraigh ar an ngléas seo», coinnítear d'ionchur deiridh, an teanga, an téama agus na rannáin a d'oscail tú i stóras áitiúil do bhrabhsálaí, ionas go bhfaighidh tú iad an chéad uair eile. Fanann na sonraí seo ar do ghléas agus ní sheoltar chugainn iad riamh. Stóráiltear do rogha féin freisin, ionas nach gcuirfimid an cheist arís. Is é do thoiliú an bunús dlí (Airteagal 6(1)(a) GDPR agus Airteagal 4(5) de Dhlí na Gréige 3471/2006). Is féidir leat é a tharraingt siar am ar bith leis an gcnaipe thíos; scriostar na sonraí stóráilte ansin, gan tionchar ar dhlíthiúlacht na próiseála roimhe sin.||Óstáil: chun na leathanaigh a sheachadadh, faigheann an comhlacht a óstálann an suíomh seo na sonraí teicniúla a sheolann gach brabhsálaí go huathoibríoch (seoladh IP, dáta agus am, an leathanach a iarradh, cineál brabhsálaí agus gléis) agus féadfaidh sé iad a choinneáil ar feadh tamaill ghearr i logaí freastalaí ar mhaithe le slándáil agus fabhtcheartú. Ní úsáidimid na sonraí seo chun tú a aithint ná chun anailís a dhéanamh ar do chuairteanna.||Ríomhphoist: má scríobhann tú chugainn, lena n-áirítear le «Tuairiscigh botún», faighimid do sheoladh ríomhphoist agus an méid a scríobhann tú. Ní dhéanann an fhuinneog tuairiscithe ach teachtaireacht a ullmhú is féidir leat a léamh agus a athrú; ní sheoltar aon rud go dtí go seolann tú féin é. Ní úsáidimid do theachtaireacht ach chun freagra a thabhairt agus an suíomh a cheartú (leas dlisteanach, Airteagal 6(1)(f) GDPR) agus scriosaimid í nuair nach mbíonn gá léi a thuilleadh, tar éis dhá bhliain ar a dhéanaí. Cuirtear teachtaireachtaí chuig ár seoladh ar aghaidh trí Cloudflare Email Routing chuig bosca poist a sholáthraíonn Google (Gmail); próiseálann an bheirt acu na teachtaireachtaí thar ár gceann.||Do chearta: is féidir leat rochtain ar do shonraí pearsanta, a gceartú nó a scriosadh, srian ar phróiseáil agus iniompartacht a iarraidh, agóid a dhéanamh i gcoinne na próiseála agus do thoiliú a tharraingt siar am ar bith. Ní dhéantar aon chinntí uathoibrithe ná próifíliú. Níl an suíomh dírithe ar leanaí faoi 15 bliana d'aois.||Nuashonróimid an fógra seo má athraíonn ár gcleachtais. Nuashonraithe go deireanach: 12 Deireadh Fómhair 2026.","Terms of use":"Téarmaí úsáide","These terms apply to the use of PayAbacus, the website and its calculators, run by {name}, {address}. By using the site you accept them; if you do not agree, please do not use it.||The service: PayAbacus is a free information tool that estimates pay, taxes, contributions, pensions, benefits, mortgages and related figures for selected countries from published rules. No registration is needed. We may change, extend, suspend or remove features or countries at any time without notice.||Estimates, not advice: all results are estimates for information only, based on simplifying assumptions. They are not tax, legal, financial, investment, employment or pension advice, and using the site creates no professional or contractual relationship with us. Do not use the results for payroll, tax returns or official applications; check them with the competent authority, your employer or a qualified professional before making decisions.||Accuracy: we use official and open sources and test the calculators against official examples, but we do not guarantee that the information is complete, correct or up to date. Rules change, sometimes during the year; each country shows the rules year and when it was last checked.||Liability: the site is provided free of charge, “as is” and “as available”. To the extent permitted by law, the owner is not liable for any loss or damage arising from the use of the site or the inability to use it, including decisions taken on the basis of its results. This does not limit liability for intent or gross negligence, for injury to life, body or health, or where liability cannot be excluded under mandatory law, including consumer protection law.||Acceptable use: you may use the site for your own information. Do not misuse it, for example by automated mass access or scraping, by trying to break or overload it, or by presenting its results as official figures or as advice from us.||Intellectual property: the texts, design, code and calculators of PayAbacus are protected by copyright. You may share screenshots or individual results for non-commercial purposes if you name PayAbacus as the source. Official data belongs to its sources (for example Eurostat, the OECD and national authorities) and is used under their reuse terms; the fonts and the chart library are used under the SIL Open Font License and the MIT licence.||Links to other websites are provided for information; their owners are responsible for their content. How we handle data is explained in the Privacy notice.||Changes: we may update these terms; the version shown here applies from its date, and continuing to use the site after a change means you accept the new version.||Law and disputes: these terms are governed by Greek law. If you are a consumer, this does not take away the protection of the mandatory law of your country of residence. Disputes are subject to the courts of Athens, Greece, unless mandatory law gives consumers another court.||Contact: {email}. Last updated: 12 October 2026.":"Baineann na téarmaí seo le húsáid PayAbacus, an suíomh agus a áireamháin, a reáchtálann {name}, {address}. Trí an suíomh a úsáid glacann tú leo; mura n-aontaíonn tú, ná húsáid é.||An tseirbhís: is uirlis faisnéise saor in aisce é PayAbacus a mheasann pá, cánacha, ranníocaí, pinsin, sochair, morgáistí agus méideanna gaolmhara do thíortha roghnaithe ó rialacha foilsithe. Ní gá clárú. Is féidir linn gnéithe nó tíortha a athrú, a leathnú, a chur ar fionraí nó a bhaint am ar bith gan fógra.||Meastacháin, ní comhairle: is meastacháin chun eolais amháin iad na torthaí go léir, bunaithe ar thoimhdí simplithe. Ní comhairle cánach, dlí, airgeadais, infheistíochta, fostaíochta ná pinsin iad, agus ní chruthaíonn úsáid an tsuímh aon chaidreamh gairmiúil ná conarthach linn. Ná húsáid na torthaí le haghaidh párolla, tuairisceán cánach ná iarratas oifigiúil; seiceáil iad leis an údarás inniúil, le d'fhostóir nó le saineolaí sula ndéanann tú cinntí.||Cruinneas: úsáidimid foinsí oifigiúla agus oscailte agus déanaimid tástáil ar na háireamháin le samplaí oifigiúla, ach ní ráthaímid go bhfuil an fhaisnéis iomlán, ceart nó cothrom le dáta. Athraíonn rialacha, uaireanta i rith na bliana; taispeánann gach tír bliain na rialacha agus cathain a seiceáladh iad go deireanach.||Dliteanas: soláthraítear an suíomh saor in aisce, «mar atá» agus «mar atá ar fáil». A mhéid a cheadaíonn an dlí, níl an t-úinéir faoi dhliteanas as aon chaillteanas ná damáiste a eascraíonn as úsáid an tsuímh nó as neamhábaltacht é a úsáid, lena n-áirítear cinntí a dhéantar ar bhonn a thorthaí. Ní chuireann sé seo srian le dliteanas as rún nó faillí throm, as díobháil don bheatha, don chorp nó don tsláinte, ná nuair nach féidir dliteanas a eisiamh faoi dhlí sainordaitheach, lena n-áirítear dlí cosanta tomhaltóirí.||Úsáid inghlactha: is féidir leat an suíomh a úsáid le haghaidh d'eolais féin. Ná bain mí-úsáid as, mar shampla trí rochtain uathoibrithe ollmhór nó scríobadh, trí iarracht a dhéanamh é a bhriseadh nó ró-ualach a chur air, ná trína thorthaí a chur i láthair mar fhigiúirí oifigiúla nó mar chomhairle uainne.||Maoin intleachtúil: tá téacsanna, dearadh, cód agus áireamháin PayAbacus faoi chosaint chóipchirt. Is féidir leat grianghraif scáileáin nó torthaí aonair a roinnt chun críocha neamhthráchtála má luann tú PayAbacus mar fhoinse. Is lena bhfoinsí na sonraí oifigiúla (mar shampla Eurostat, an ECFE agus údaráis náisiúnta) agus úsáidtear iad faoina dtéarmaí athúsáide; úsáidtear na clónna agus an leabharlann cairteacha faoin SIL Open Font License agus faoi cheadúnas MIT.||Tugtar naisc chuig suíomhanna eile chun eolais; is iad a n-úinéirí atá freagrach as a n-ábhar. Mínítear sa fhógra príobháideachais conas a láimhseálaimid sonraí.||Athruithe: féadfaimid na téarmaí seo a nuashonrú; tá an leagan a thaispeántar anseo i bhfeidhm óna dháta, agus má leanann tú den suíomh a úsáid tar éis athraithe, glacann tú leis an leagan nua.||Dlí agus díospóidí: is faoi dhlí na Gréige atá na téarmaí seo. Más tomhaltóir thú, ní bhaineann sé seo uait an chosaint a thugann dlí sainordaitheach do thíre cónaithe. Is iad cúirteanna na hAithne sa Ghréig atá inniúil i ndíospóidí, mura dtugann dlí sainordaitheach cúirt eile do thomhaltóirí.||Teagmháil: {email}. Nuashonraithe go deireanach: 12 Deireadh Fómhair 2026.","Disclaimer: PayAbacus provides estimates for information only. They are based on the published rules and official sources listed for each country, with simplifying assumptions, and are not tax, legal, financial, investment, employment or pension advice. Your actual pay, taxes, benefits and pension may differ, rules can change during the year, and errors are possible despite careful checks. Before making decisions, confirm with the competent authority, your employer or a qualified professional. No liability is accepted for decisions based on these results, except where the law provides otherwise.":"Séanadh: Soláthraíonn PayAbacus meastacháin chun eolais amháin. Tá siad bunaithe ar na rialacha foilsithe agus ar na foinsí oifigiúla a liostaítear do gach tír, le toimhdí simplithe, agus ní comhairle cánach, dlí, airgeadais, infheistíochta, fostaíochta ná pinsin iad. D'fhéadfadh do phá, do cháin, do shochair agus do phinsean iarbhír a bheith difriúil, d'fhéadfadh rialacha athrú i rith na bliana agus, in ainneoin seiceálacha cúramacha, is féidir go mbeidh botúin ann. Sula ndéanann tú cinntí, deimhnigh leis an údarás inniúil, le d'fhostóir nó le saineolaí cáilithe. Ní ghlactar le haon dliteanas as cinntí bunaithe ar na torthaí seo, ach amháin nuair a fhoráiltear a mhalairt sa dlí.","PayAbacus uses no cookies and no tracking. With your permission it can remember your inputs, language and display choices in this browser so you find them next time. This data never leaves your device.":"Ní úsáideann PayAbacus fianáin ná rianú. Le do chead, is féidir leis d'ionchur, do theanga agus do roghanna taispeána a mheabhrú sa bhrabhsálaí seo, ionas go bhfaighidh tú iad an chéad uair eile. Ní fhágann na sonraí seo do ghléas riamh.","Don’t remember":"Ná meabhraigh","Disclaimer":"Séanadh","Estimate for information only, not advice. Calculated with PayAbacus.":"Meastachán chun eolais amháin, ní comhairle é. Ríomhta le PayAbacus.","Disclaimer: estimates for information only, not tax, legal or financial advice. Confirm with the competent authority before making decisions.":"Séanadh: meastacháin chun eolais amháin, ní comhairle cánach, dlí ná airgeadais. Deimhnigh leis an údarás inniúil sula ndéanann tú cinntí.","Print or save as PDF":"Priontáil nó sábháil mar PDF","Printed from PayAbacus on {d}. Estimates for information only, not advice.":"Priontáilte ó PayAbacus ar {d}. Meastacháin chun eolais amháin, ní comhairle.","Meal card / month (net)":"Cárta béile / mí (glan)","Fuel card / month (net)":"Cárta breosla / mí (glan)","Meal card (net, × 12)":"Cárta béile (glan, × 12)","Fuel card (net, × 12)":"Cárta breosla (glan, × 12)","Net pay + benefits / year":"Glanphá + sochair / bliain","Entered as net amounts and added to your net pay as they are. Most countries exempt meal and fuel cards only up to a limit or for business use; above it the excess is taxed as pay, so check your payslip.":"Iontráiltear iad mar mhéideanna glana agus cuirtear le do ghlanphá iad mar atá. Ní dhíolmhaíonn formhór na dtíortha cártaí béile agus breosla ach suas le teorainn nó le haghaidh úsáide gnó; os a chionn sin gearrtar cáin ar an bhfarasbarr mar phá, mar sin seiceáil do dhuillín pá.","Reduction for tax withheld from pay ({p})":"Laghdú ar cháin a coinníodh siar ón bpá ({p})","within €25 or 0.5% of the official figure; {n} past-year totals within 0.5% of the wage":"laistigh de €25 nó 0.5% den fhigiúr oifigiúil; {n} iomlán ó bhlianta roimhe laistigh de 0.5% den phá","Childcare & dependent subsidies / month (net)":"Fóirdheontais cúraim leanaí & cleithiúnaithe / mí (glan)","Other benefits / month (net)":"Sochair eile / mí (glan)","Extra benefits":"Sochair bhreise","Partner net / month":"Glanphá an pháirtí / mí","Partner enters":"Iontráil an pháirtí","Partner salaries / year":"Tuarastail an pháirtí / bliain","Childcare & dependent subsidies (net, × 12)":"Fóirdheontais cúraim leanaí & cleithiúnaithe (glan, × 12)","Other benefits (net, × 12)":"Sochair eile (glan, × 12)","Entered as net amounts and added to your net pay as they are. Most countries exempt such benefits only up to a limit or for specific uses; above it the excess is taxed as pay, so check your payslip.":"Iontráiltear iad mar mhéideanna glana agus cuirtear le do ghlanphá iad mar atá. Ní dhíolmhaíonn formhór na dtíortha sochair den chineál seo ach suas le teorainn nó le haghaidh úsáidí áirithe; os a chionn sin gearrtar cáin ar an bhfarasbarr mar phá, mar sin seiceáil do dhuillín pá.","Work until your pension age":"Oibrigh go dtí d’aois phinsin","Your money runs out at {a}":"Ritheann d’airgead amach ag {a}"," Simple count, without interest, inflation or pension.":" Áireamh simplí, gan ús, boilsciú ná pinsean."," Unlike the emergency fund, which is a simple count, these results add interest, inflation and the state pension and, if you entered them, the end of the mortgage and planned drops in spending. Savings are used first; the investment account keeps growing until it is needed. So your money can last longer than the emergency-fund count suggests.":" Murab ionann agus an chiste éigeandála, ar áireamh simplí é, cuireann na torthaí seo ús, boilsciú agus an pinsean stáit san áireamh agus, má d’iontráil tú iad, deireadh an mhorgáiste agus laghduithe pleanáilte ar chaiteachas. Úsáidtear an choigilt ar dtús; leanann an cuntas infheistíochta ag fás go dtí go mbíonn gá leis. Mar sin is féidir le d’airgead maireachtáil níos faide ná mar a thugann an chiste éigeandála le fios.","Each dotted line, in the colour of its scenario, is the part of that scenario held in the investment account.":"Is í gach líne phoncaithe, i ndath a cáis, an chuid den chás sin atá sa chuntas infheistíochta.","From your employer (% of gross)":"Ó d’fhostóir (% den ollphá)","From your salary":"Ó do thuarastal","Plan and payout":"Plean agus íocaíocht","From your bonus (% of bonus)":"Ó do bhónas (% den bhónas)"," Room left: {r} a year, so From your salary can go up to {p} (it is a % of salary only, without the bonus).":" Spás fágtha: {r} sa bhliain, mar sin is féidir le «Ó do thuarastal» dul suas go {p} (% den tuarastal amháin, gan an bónas).","{a} per salary from you + {b} from your employer":"{a} in aghaidh an tuarastail uaitse + {b} ó d’fhostóir"," + {c} a year from your bonus":" + {c} sa bhliain ó do bhónas","= {t} a year into the plan":"= {t} sa bhliain isteach sa phlean","Future money":"Airgead amach anseo","Inflation / year (%)":"Boilsciú / bliain (%)"," · in today’s money":" · in airgead an lae inniu","In today’s money: each future amount is divided by inflation of {i} a year up to that year, so it shows what it would buy now.":"In airgead an lae inniu: roinntear gach méid amach anseo ar bhoilsciú {i} sa bhliain go dtí an bhliain sin, ionas go léiríonn sé cad a cheannódh sé inniu.","Hide full breakdown ▴":"Folaigh an miondealú iomlán ▴","Show full breakdown ▾":"Taispeáin an miondealú iomlán ▾","{v} saved":"{v} sábháilte","EFKA is still paid on your full gross; only income tax goes down. Your saving is roughly your top tax rate on every euro you contribute. The money in the plan is counted at full value, before the tax due when it is paid out; “What you gain in year 1” shows what it is worth if you take it out.":"Íoctar EFKA fós ar an ollphá ar fad; ní laghdaítear ach cáin ioncaim. Is ionann do choigilt, a bheag nó a mhór, agus do ráta imeallach ar gach euro a íocann tú isteach. Áirítear an t-airgead sa phlean ag a lánluach, roimh an gcáin atá dlite nuair a íoctar amach é; taispeánann «An méid a ghnóthaíonn tú sa chéad bhliain» cad is fiú é má thógann tú amach é.","Why this differs from the table above:":"Cén fáth a bhfuil sé seo difriúil ón tábla thuas:","the table shows {d} because it counts the money in the plan at full value. Here the plan is valued as if you cashed it in after 1 year: {d} + {i} return − {x} payout tax ({r}) = {g}. The payout tax falls the longer the money stays in the plan (down to {m} after more than 20 years), so over time the gain moves closer to the table figure.":"taispeánann an tábla {d} mar go n-áiríonn sé an t-airgead sa phlean ag a lánluach. Anseo luacháiltear an plean amhail is dá dtarraingeofá amach é tar éis 1 bhliain: {d} + {i} toradh − {x} cáin íocaíochta ({r}) = {g}. Laghdaíonn an cháin íocaíochta dá fhad a fhanann an t-airgead sa phlean (síos go {m} tar éis níos mó ná 20 bliain), mar sin le himeacht ama tagann an gnóthachan níos gaire d’fhigiúr an tábla.","purchasing power in EUR, priced as in {c}":"cumhacht ceannaigh in EUR, leibhéal praghsanna: {c}","With Purchasing power, every amount is converted to euros and adjusted to {c} prices, so a longer bar means it buys more than the same money would there.":"Le cumhacht ceannaigh, athraítear gach méid go euro agus coigeartaítear é do leibhéal praghsanna na tíre tagartha ({c}): ciallaíonn barra níos faide go gceannaíonn sé níos mó ná an t-airgead céanna ansin.","With Nominal EUR, amounts are only converted to euros at ECB reference rates, without adjusting for price levels.":"Le EUR ainmniúil, ní dhéantar ach na méideanna a athrú go euro ag rátaí tagartha an BCE, gan coigeartú do leibhéil praghsanna.","{h} is the reference: there you keep {gr} a year.":"Tír thagartha: {h}. Fanann {gr} agat ansin sa bhliain.","<b>{c}</b>: you keep {net}{fx}, {d} than in {h}. Prices are {pd} (price level {pl} vs {pgr}), so this buys what <b>{pp}</b> buys there: {ppd} purchasing power.":"<b>{c}</b>: fanann {net}{fx} agat, {d} ná sa tír thagartha ({h}). Tá na praghsanna {pd} (leibhéal praghsanna {pl} i gcomparáid le {pgr}), mar sin ceannaíonn sé seo a gceannaíonn <b>{pp}</b> sa tír thagartha: {ppd} cumhacht ceannaigh."," / year, priced as in {c}":" / bliain, leibhéal praghsanna: {c}","Purchasing power (priced as in {c})":"Cumhacht ceannaigh (leibhéal praghsanna: {c})","Gross for same buying power as in {c}":"Ollphá don chumhacht ceannaigh chéanna agus sa tír thagartha ({c})","Single person, {k} children, age {a}, 2026 rules. Purchasing power converts net pay to euros and adjusts it by each country’s price level for household consumption (Eurostat, EU=100: {c} {pc}, Germany {de}, Italy {it}, Spain {es}, UK {gb}), so every amount shows what it would buy in {c}. These are national averages: big cities, especially rents in Munich, Milan, Madrid or London, can be much higher.":"Duine aonair, {k} leanbh, aois {a}, rialacha 2026. Athraíonn an chumhacht ceannaigh an glanphá go euro agus coigeartaíonn sí é de réir leibhéal praghsanna tomhaltais teaghlaigh gach tíre (Eurostat, AE=100: {c} {pc}, an Ghearmáin {de}, an Iodáil {it}, an Spáinn {es}, an Ríocht Aontaithe {gb}), ionas go léiríonn gach méid cad a cheannódh sé sa tír thagartha ({c}). Is meáin náisiúnta iad seo: is féidir le cathracha móra, go háirithe cíosanna i München, Milano, Maidrid nó Londain, a bheith i bhfad níos daoire."," / month, priced as in {c}":" / mí, leibhéal praghsanna: {c}","Buying power / month (priced as in {c})":"Cumhacht ceannaigh / mí (leibhéal praghsanna: {c})"," incl. unemployment benefit, priced as in {c}":" lena n-áirítear sochar dífhostaíochta, leibhéal praghsanna: {c}","Total (priced as in {c})":"Iomlán (leibhéal praghsanna: {c})","Show key columns only ▴":"Na príomhcholúin amháin ▴","Show all details ▾":"Taispeáin na sonraí go léir ▾","Money left each month after rent and bills, priced as in {c}":"Airgead fágtha gach mí tar éis cíosa agus billí, leibhéal praghsanna: {c}","Left, priced as in {c}":"Fágtha, leibhéal praghsanna: {c}","Same, priced as in {c}":"Mar an gcéanna, leibhéal praghsanna: {c}","What this compares: the same gross salary of {g} a year, run through each country’s 2026 tax and social-security rules for a single person aged {a} with {k} children. Each bar is that gross split into net pay (what you keep), income tax, your social security and, on top, the employer’s social security.":"Cad a chuirimid i gcomparáid: an t-ollphá céanna de {g} sa bhliain, ríofa le rialacha cánach agus ranníocaí 2026 gach tíre do dhuine aonair {a} bliain d’aois le {k} leanbh. Is é gach barra an t-ollphá sin roinnte ina ghlanphá (a fhanann agat), cáin ioncaim, do ranníocaí féin agus, ina theannta sin, ranníocaí an fhostóra.","What this compares: from the same gross salary of {g} a year, your net pay per month in each country minus the typical rent and, if ticked, the bills for your household, from official statistics. For each country the first bar is the money left in euros; the second is the same money adjusted to {c} prices, i.e. what it would buy there. A longer second bar means more left to live on.":"Cad a chuirimid i gcomparáid: ón ollphá céanna de {g} sa bhliain, do ghlanphá in aghaidh na míosa i ngach tír lúide an gnáthchíos agus, má roghnaítear é, na billí do do theaghlach, ó staitisticí oifigiúla. I gcás gach tíre, is é an chéad bharra an t-airgead atá fágtha in euro; is é an dara barra an t-airgead céanna coigeartaithe do leibhéal praghsanna na tíre tagartha ({c}), is é sin cad a cheannódh sé ansin. Ciallaíonn dara barra níos faide níos mó airgid le maireachtáil air.","What this compares: the net state pension a year in each country after the same career on the same salary ({g} a year, {y} years so far plus {m} more), claimed at the age chosen on the left. The label shows the claim age.":"Cad a chuirimid i gcomparáid: an glanphinsean stáit in aghaidh na bliana i ngach tír tar éis na gairme céanna ar an tuarastal céanna ({g} sa bhliain, {y} bliain go dtí seo móide {m} eile), a éilítear ag an aois a roghnaíodh ar chlé. Taispeánann an lipéad aois an phinsin.","What this compares: what you would receive in each country if your employer dismissed you without fault, on {g} a year: net severance, pay for unused leave and the estimated total unemployment benefit, stacked in each bar.":"Cad a chuirimid i gcomparáid: cad a gheofá i ngach tír dá ndífhostódh d’fhostóir thú gan locht ort, ar {g} sa bhliain: glan-íocaíocht iomarcaíochta, íocaíocht as saoire nár tógadh agus an sochar dífhostaíochta iomlán measta, carnta i ngach barra.","What this compares: the legal minimum paid days off a year in each country for a 5-day week, annual leave plus public holidays that fall on weekdays in {y}. The table adds the main maternity, paternity, parental and sick-leave rules.":"Cad a chuirimid i gcomparáid: an t-íosmhéid dlíthiúil laethanta saoire íoctha sa bhliain i ngach tír do sheachtain 5 lá, saoire bhliantúil móide laethanta saoire poiblí a thiteann ar laethanta oibre in {y}. Cuireann an tábla na príomhrialacha maidir le máithreachas, atharthacht, saoire tuismitheora agus breoiteacht leis.","Past avg pay, EUR / year":"Meánphá roimhe seo, EUR / bliain","Base year (money of)":"Bliain bhunúsach (airgead)","Bonus entered as":"Bónas iontráilte mar","% of annual salary":"% den tuarastal bliantúil","Amount per year":"Méid in aghaidh na bliana","Quick fill":"Líonadh tapa","Starting year":"Bliain tosaigh","Gross / month in the starting year":"Ollphá / mí sa bhliain tosaigh","Fill empty years":"Líon na blianta folmha","Clear all years":"Glan gach bliain","Clear the salaries entered for every year?":"An scriosfar na tuarastail a iontráladh do gach bliain?","Enter the gross monthly salary you had each year; leave a year empty to skip it. Net pay is calculated with that year’s tax and social-security rules for {c}.":"Iontráil an t-ollphá míosúil a bhí agat gach bliain; fág bliain folamh chun í a scipeáil. Ríomhtar an glanphá le rialacha cánach agus ranníocaí na bliana sin do: {c}.","Enter the gross monthly salary for each year. For {c} the site has only the 2026 rules, so for earlier years also enter the net per month from your payslips.":"Iontráil an t-ollphá míosúil do gach bliain. Maidir le {c}, níl ach rialacha 2026 ag an suíomh, mar sin do na blianta roimhe sin iontráil freisin an glanphá in aghaidh na míosa ó do dhuillíní pá.","Your salary, year by year":"Do thuarastal, bliain ar bhliain","The current year uses the Salary tab when left empty. Amounts in {cur}.":"Úsáideann an bhliain reatha an cluaisín Tuarastal má fhágtar folamh í. Méideanna in {cur}.","Bonus (% of salary)":"Bónas (% den tuarastal)","Net / month (payslip)":"Glan / mí (duillín pá)","calculated":"ríofa","Net per month in {y}":"Glan in aghaidh na míosa in {y}","{v} a month in {b} money · real change since {f}: {d}":"{v} sa mhí in airgead {b} · athrú réadach ó {f}: {d}","Enter at least one year to see your history.":"Iontráil bliain amháin ar a laghad chun do stair a fheiceáil.","Best year in real terms":"An bhliain is fearr i dtéarmaí réadacha","Weakest year in real terms":"An bhliain is laige i dtéarmaí réadacha","net / month in {b} money":"glan / mí in airgead {b}","Real change, {f} → {l}":"Athrú réadach, {f} → {l}","net pay after inflation":"glanphá tar éis boilscithe","Prices, {f} → {b}":"Praghsanna, {f} → {b}","what cost {a} in {f} cost {v} in {b}":"an rud a chosain {a} in {f}, chosain sé {v} in {b}","Net pay per year in {b} money":"Glanphá in aghaidh na bliana in airgead {b}","Bars: your net pay each year converted into {b} money with the consumer price index, so the years can be compared. Line: the net pay as it was paid at the time.":"Barraí: do ghlanphá gach bliain aistrithe go hairgead {b} le hinnéacs praghsanna tomhaltóra, ionas gur féidir na blianta a chur i gcomparáid. Líne: an glanphá mar a íocadh é ag an am.","Net, in {b} money":"Glan, in airgead {b}","Net, as paid":"Glan, mar a íocadh","Real change in net pay vs {b}":"Athrú réadach ar an nglanphá i gcomparáid le {b}","Real change vs {b}":"Athrú réadach i gcomparáid le {b}","Net / year in {b} money":"Glan / bliain in airgead {b}","There is no salary for {b}, so the real change is measured against {r}.":"Níl tuarastal ann do {b}, mar sin tomhaistear an t-athrú réadach i gcomparáid le {r}.","Net pay uses each year’s income-tax and social-security rules for an employee (Greece with the options of the Salary tab, such as children; other countries for a single person without children). “In {b} money” multiplies each year by the rise in consumer prices between that year and {b} (national consumer price index), so it shows what that pay would buy in {b}.":"Úsáideann an glanphá rialacha cánach ioncaim agus ranníocaí gach bliana d’fhostaí (an Ghréig le roghanna an chluaisín Tuarastal, mar leanaí; tíortha eile do dhuine aonair gan leanaí). Iolraíonn «in airgead {b}» gach bliain faoin ardú ar phraghsanna tomhaltóra idir an bhliain sin agus {b} (innéacs náisiúnta praghsanna tomhaltóra), ionas go léiríonn sé cad a cheannódh an pá sin in {b}.","For {c}, net pay before 2026 is the amount you entered; a year without it shows no net.":"Maidir le {c}, is é an glanphá roimh 2026 an méid a d’iontráil tú; ní thaispeánann bliain gan é aon ghlanphá.","Salary history":"Stair an tuarastail","Your salary over the years":"Do thuarastal thar na blianta","For your pension: average gross so far":"Do do phinsean: meán-ollphá go dtí seo","Average gross / month, in today’s money":"Meán-ollphá / mí, in airgead an lae inniu","{n} years, {a}–{b}":"{n} bliain, {a}–{b}","Average gross / month, as paid":"Meán-ollphá / mí, mar a íocadh","without adjusting for prices":"gan coigeartú do phraghsanna","The average of the gross monthly salaries you entered for past years (bonus not included). The Pension tab asks for past pay in today’s money, so the first figure raises each year by the price rise from that year to today. Years insured are set separately in the Pension tab.":"Meán na n-ollphánna míosúla a d’iontráil tú do bhlianta roimhe seo (gan bónas). Iarrann an cluaisín Pinsean pá roimhe seo in airgead an lae inniu, mar sin ardaíonn an chéad fhigiúr gach bliain faoin ardú praghsanna ón mbliain sin go dtí inniu. Socraítear blianta árachais ar leith sa chluaisín Pinsean.","Use {v} in the Pension tab":"Úsáid {v} sa chluaisín Pinsean","Saved: the Pension tab now uses {v}.":"Sábháilte: úsáideann an cluaisín Pinsean {v} anois.","Past years use each year’s standard rules for an employee (outside Greece for a single person without children); allowances, regional taxes or special schemes you had in a given year are not included.":"Úsáideann blianta roimhe seo gnáthrialacha gach bliana d’fhostaí (lasmuigh den Ghréig do dhuine aonair gan leanaí); ní áirítear liúntais, cánacha réigiúnacha ná scéimeanna speisialta a bhí agat i mbliain áirithe.","The site has no tax rules before 2026 for {c}, so net pay for those years is the amount you enter from your payslips.":"Níl rialacha cánach roimh 2026 ag an suíomh do {c}, mar sin is é glanphá na mblianta sin an méid a iontrálann tú ó do dhuillíní pá.","This notice explains what happens to data when you use PayAbacus. The person responsible (the controller) is named at the end.||No accounts and nothing sent: all calculations run in your browser. What you type is not sent to us or to anyone else, and we cannot see it.||No cookies, no advertising and no profiling: the site sets no cookies and has no ads or social-media plugins. To see which pages are used, visits are counted with Cloudflare Web Analytics, which works without cookies, does not follow you across websites and does not build profiles. If a page hits a technical error, your browser sends a short error report (the error message, the page and the browser type), never what you typed. The legal basis is our legitimate interest in a working, secure website (Article 6(1)(f) GDPR). The fonts and the chart library are served from this website itself.||Storage on your device, only with your consent: if you choose “Remember on this device”, your last inputs, language, theme and the sections you opened are kept in your browser’s local storage so you find them next time. This data stays on your device and is never sent to us. Your choice itself is stored so that we do not ask again. The legal basis is your consent (Article 6(1)(a) GDPR and Article 4(5) of Greek Law 3471/2006). You can withdraw it at any time with the button below; this deletes the stored data and does not affect what was lawful before.||Hosting: the website is hosted by Cloudflare, Inc. (101 Townsend St., San Francisco, CA 94107, USA), which processes data for us under a data processing agreement. To deliver the pages, Cloudflare automatically receives the technical data every browser sends (IP address, date and time, page requested, browser and device type) and may keep it for a short time in server logs for security, protection against attacks and troubleshooting. Error reports are deleted after 30 days at the latest. Data may be processed in the USA; Cloudflare is certified under the EU-U.S. Data Privacy Framework and also uses the EU Standard Contractual Clauses. We do not use this data to identify you.||Emails: if you write to us, including with “Report a mistake”, we receive your email address and what you write. The report window only prepares a message that you can read and change; nothing is sent until you send it yourself. We use your message only to reply and to correct the site (legitimate interest, Article 6(1)(f) GDPR) and delete it when it is no longer needed, at the latest after two years. Messages to our address are forwarded by Cloudflare Email Routing to a mailbox provided by Google (Gmail); both process the messages for us.||Your rights: you can ask for access to your personal data, its correction or erasure, restriction of processing and data portability, you can object to processing, and you can withdraw consent at any time. No automated decisions or profiling take place. The site is not directed at children under 15.||We will update this notice if our practices change. Last updated: 22 October 2026.":"Míníonn an fógra seo cad a tharlaíonn do shonraí nuair a úsáideann tú PayAbacus. Luaitear an rialaitheoir ag an deireadh.||Gan chuntais agus gan aon rud a sheoladh: déantar na ríomhanna go léir i do bhrabhsálaí. Ní sheoltar an méid a scríobhann tú chugainne ná chuig aon duine eile, agus ní féidir linn é a fheiceáil.||Gan fianáin, gan fógraíocht agus gan próifíliú: ní shocraíonn an suíomh fianáin ar bith agus níl fógraí ná breiseáin na meán sóisialta air. Chun a fheiceáil cé na leathanaigh a úsáidtear, áirítear cuairteanna le Cloudflare Web Analytics, a oibríonn gan fianáin, nach leanann thú ó shuíomh go suíomh agus nach gcruthaíonn próifílí. Má tharlaíonn earráid theicniúil ar leathanach, seolann do bhrabhsálaí tuairisc ghearr earráide (teachtaireacht na hearráide, an leathanach agus cineál an bhrabhsálaí), ach ní sheolann sé riamh an méid a d'iontráil tú. Is é an bunús dlí ár leas dlisteanach i suíomh atá ag obair i gceart agus slán (Airteagal 6(1)(f) GDPR). Tagann na clónna agus an leabharlann cairteacha ón suíomh seo féin.||Stóráil ar do ghléas, le do thoiliú amháin: má roghnaíonn tú «Meabhraigh ar an ngléas seo», coinnítear d'ionchur deiridh, an teanga, an téama agus na rannáin a d'oscail tú i stóras áitiúil do bhrabhsálaí, ionas go bhfaighidh tú iad an chéad uair eile. Fanann na sonraí seo ar do ghléas agus ní sheoltar chugainn iad riamh. Stóráiltear do rogha féin freisin, ionas nach gcuirfimid an cheist arís. Is é do thoiliú an bunús dlí (Airteagal 6(1)(a) GDPR agus Airteagal 4(5) de Dhlí na Gréige 3471/2006). Is féidir leat é a tharraingt siar am ar bith leis an gcnaipe thíos; scriostar na sonraí stóráilte ansin, gan tionchar ar dhlíthiúlacht na próiseála roimhe sin.||Óstáil: is é Cloudflare, Inc. (101 Townsend St., San Francisco, CA 94107, SAM) a óstálann an suíomh, agus próiseálann sé sonraí thar ár gceann faoi chomhaontú próiseála sonraí. Chun na leathanaigh a sheachadadh, faigheann Cloudflare go huathoibríoch na sonraí teicniúla a sheolann gach brabhsálaí (seoladh IP, dáta agus am, an leathanach a iarradh, cineál brabhsálaí agus gléis) agus féadfaidh sé iad a choinneáil ar feadh tamaill ghearr i logaí freastalaí ar mhaithe le slándáil, cosaint ar ionsaithe agus fabhtcheartú. Scriostar tuairiscí earráide tar éis 30 lá ar a dhéanaí. D'fhéadfaí sonraí a phróiseáil i SAM; tá Cloudflare deimhnithe faoi Chreat Príobháideachais Sonraí AE-SAM (EU-U.S. Data Privacy Framework) agus úsáideann sé Clásail Chonarthacha Chaighdeánacha an AE freisin. Ní úsáidimid na sonraí seo chun tú a aithint.||Ríomhphoist: má scríobhann tú chugainn, lena n-áirítear le «Tuairiscigh botún», faighimid do sheoladh ríomhphoist agus an méid a scríobhann tú. Ní dhéanann an fhuinneog tuairiscithe ach teachtaireacht a ullmhú is féidir leat a léamh agus a athrú; ní sheoltar aon rud go dtí go seolann tú féin é. Ní úsáidimid do theachtaireacht ach chun freagra a thabhairt agus an suíomh a cheartú (leas dlisteanach, Airteagal 6(1)(f) GDPR) agus scriosaimid í nuair nach mbíonn gá léi a thuilleadh, tar éis dhá bhliain ar a dhéanaí. Cuirtear teachtaireachtaí chuig ár seoladh ar aghaidh trí Cloudflare Email Routing chuig bosca poist a sholáthraíonn Google (Gmail); próiseálann an bheirt acu na teachtaireachtaí thar ár gceann.||Do chearta: is féidir leat rochtain ar do shonraí pearsanta, a gceartú nó a scriosadh, srian ar phróiseáil agus iniompartacht a iarraidh, agóid a dhéanamh i gcoinne na próiseála agus do thoiliú a tharraingt siar am ar bith. Ní dhéantar aon chinntí uathoibrithe ná próifíliú. Níl an suíomh dírithe ar leanaí faoi 15 bliana d'aois.||Nuashonróimid an fógra seo má athraíonn ár gcleachtais. Nuashonraithe go deireanach: 22 Deireadh Fómhair 2026.","PayAbacus uses no cookies. Visits are counted anonymously, without cookies or profiles. With your permission it can remember your inputs, language and display choices in this browser so you find them next time. This data never leaves your device.":"Ní úsáideann PayAbacus fianáin. Áirítear cuairteanna gan ainm, gan fianáin ná próifílí. Le do chead, is féidir leis d'ionchur, do theanga agus do roghanna taispeána a mheabhrú sa bhrabhsálaí seo, ionas go bhfaighidh tú iad an chéad uair eile. Ní fhágann na sonraí seo do ghléas riamh.","Unused leave ({0} days)":"Saoire nár baineadh amach ({0} lá)","Annual leave · {0}":"Saoire bhliantúil · {0}","working days · legal minimum {0}":"laethanta oibre · íosmhéid dlíthiúil {0}","Claim at {0} · {1} years · {2}":"Éileamh ag {0} · {1} bliain · {2}","{0} weeks":"{0} seachtain","Bonus":"Bónas","age {0}":"aois {0}","{0} years of service":"{0} bliain seirbhíse","{0} days":"{0} lá","after {0} tax & charges":"tar éis {0} cánach agus muirear","{0} → {1} (max {2} weeks)":"{0} → {1} (uas. {2} seachtain)","{0} / week at first, {1} weeks":"{0} / seachtain ar dtús, {1} seachtain","{0} less than without it ({1}) · tax & contributions saved cover {2}":"{0} níos lú ná gan é ({1}) · clúdaíonn an cháin agus na ranníocaíochtaí a shábháiltear {2}","Contributions of {0} exceed the limit by {1}; the excess gets no relief.":"Sáraíonn ranníocaíochtaí {0} an teorainn faoi {1}; ní fhaigheann an barrachas aon fhaoiseamh.","Tax credits (personal + employee)":"Creidmheasanna cánach (pearsanta + fostaí)","Universal Social Charge (USC)":"An Muirear Sóisialta Uilíoch (USC)","State Pension (Contributory) {0} a week ({1}/{2} years of contributions). No early state pension; you can defer it up to {3} for a higher rate. Workplace and auto-enrolment pensions come on top.":"Pinsean Stáit (Ranníocach) {0} sa tseachtain ({1}/{2} bliain ranníocaíochtaí). Níl pinsean stáit luath ann; is féidir leat é a chur siar go {3} ar ráta níos airde. Tagann pinsin cheirde agus uathrollaithe chomh maith.","Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to {2} at your age). USC and PRSI still apply.":"Faigheann do ranníocaíochtaí pinsin faoiseamh ó cháin ioncaim suas le {0} i mbliana ({1} den tuilleamh suas le {2} ag d’aois). Bíonn USC agus ÁSPC fós i bhfeidhm.","Country and language":"Tír agus teanga","Country and language: ":"Tír agus teanga: ","Search country":"Cuardaigh tír","Selected":"Roghnaithe","Europe":"An Eoraip","Americas":"Meiriceá","Asia-Pacific":"An Áise-an tAigéan Ciúin","No country found":"Níor aimsíodh tír","checked {m}":"seiceáilte {m}","Details and disclaimer":"Sonraí agus séanadh","Estimates only, not tax, legal or financial advice":"Meastacháin amháin, ní comhairle cánach, dlí ná airgeadais","Cities & rent":"Cathracha agus cíos","Home":"Teach","Location":"Suíomh","1 bedroom":"1 seomra leapa","3 bedrooms (family)":"3 sheomra leapa (teaghlach)","City centre":"Lár na cathrach","Outside centre":"Lasmuigh den lár","City":"Cathair","Rent":"Cíos","Utilities":"Fóntais","Price level (NY=100)":"Leibhéal praghsanna (NY=100)","Home compared":"Teach curtha i gcomparáid","3 bedrooms":"3 sheomra leapa","city centre":"lár na cathrach","outside centre":"lasmuigh den lár","rent + utilities":"cíos + fóntais","rent only":"cíos amháin","Cities side by side (per month)":"Cathracha taobh le taobh (in aghaidh na míosa)"," / month in {r} prices":" / mí ar phraghsanna {r}","Money left each month after housing, in {r} prices":"Airgead fágtha gach mí tar éis tithíochta, ar phraghsanna {r}","Left in {r} prices":"Fágtha ar phraghsanna {r}","Same, in {r} prices":"Mar an gcéanna, ar phraghsanna {r}","Athens":"An Aithin","Munich":"München","Milan":"Milano","Rome":"An Róimh","IRPF, €30,000, general scale, single":"IRPF, €30,000, scála ginearálta, singil","yours":"do cheann","Your rent / month (€)":"Do chíos / mí (€)","Your rent / month (£)":"Do chíos / mí (£)","Type your own rent in any city to replace the typical figure (shown greyed in the box); leave it empty to use the typical rent.":"Iontráil do chíos féin i gcathair ar bith in ionad an ghnáthmhéid (liath sa bhosca); fág folamh é chun an gnáthchíos a úsáid.","Gross / month in the recent year (€)":"Comhlán / mí sa bhliain is déanaí (€)","Gross / month in the recent year (£)":"Comhlán / mí sa bhliain is déanaí (£)","Gross / month in the earlier year (€)":"Comhlán / mí sa bhliain níos luaithe (€)","Gross / month in the earlier year (£)":"Comhlán / mí sa bhliain níos luaithe (£)","Gross / month now (€)":"Comhlán / mí anois (€)","Gross / month now (£)":"Comhlán / mí anois (£)","Average gross / month so far (€)":"Meánchomhlán / mí go dtí seo (€)","Average gross / month so far (£)":"Meánchomhlán / mí go dtí seo (£)","Savings and deposits now (€)":"Coigilteas agus taiscí anois (€)","Savings and deposits now (£)":"Coigilteas agus taiscí anois (£)","Housing (rent or mortgage) (€)":"Tithíocht (cíos nó morgáiste) (€)","Housing (rent or mortgage) (£)":"Tithíocht (cíos nó morgáiste) (£)","Food and groceries (€)":"Bia agus grósaeireacht (€)","Food and groceries (£)":"Bia agus grósaeireacht (£)","Transport and car (€)":"Iompar agus carr (€)","Transport and car (£)":"Iompar agus carr (£)","Bills (power, water, phone, internet) (€)":"Billí (leictreachas, uisce, fón, idirlíon) (€)","Bills (power, water, phone, internet) (£)":"Billí (leictreachas, uisce, fón, idirlíon) (£)","Children and school (€)":"Leanaí agus scoil (€)","Children and school (£)":"Leanaí agus scoil (£)","Leisure and eating out (€)":"Fóillíocht agus ithe amuigh (€)","Leisure and eating out (£)":"Fóillíocht agus ithe amuigh (£)","Loan repayments (not the home) (€)":"Aisíocaíochtaí iasachta (ní an teach) (€)","Loan repayments (not the home) (£)":"Aisíocaíochtaí iasachta (ní an teach) (£)","Other (€)":"Eile (€)","Other (£)":"Eile (£)","Vacations (per year) (€)":"Laethanta saoire (in aghaidh na bliana) (€)","Vacations (per year) (£)":"Laethanta saoire (in aghaidh na bliana) (£)","Net / month now (payslip) (€)":"Glan / mí anois (duillín pá) (€)","Net / month now (payslip) (£)":"Glan / mí anois (duillín pá) (£)","City (for typical costs)":"Cathair (le haghaidh gnáthchostas)","Typical rent in your area (optional) (€)":"Gnáthchíos i do cheantar (roghnach) (€)","Typical rent in your area (optional) (£)":"Gnáthchíos i do cheantar (roghnach) (£)","by (per month, today’s money) (€)":"faoi (in aghaidh na míosa, airgead an lae inniu) (€)","by (per month, today’s money) (£)":"faoi (in aghaidh na míosa, airgead an lae inniu) (£)","vs {y}":"i gcomparáid le {y}","Same salary, five countries":"An tuarastal céanna, cúig thír","National Insurance 8% / 2%":"National Insurance 8% / 2%","EUR → GBP rate":"Ráta EUR → GBP","IRPEF 2026":"IRPEF 2026","INPS Gestione Separata 26.07%":"INPS Gestione Separata 26.07%","Class 4 National Insurance":"Class 4 National Insurance","100%":"100%","Tax-free zone of €11,000–12,000 for employees, raised for each child (bigger step at the third child). Rates fall each year: 29% → 27% → 25% middle band, 40% top.":"Crios saor ó cháin €11,000–12,000 d’fhostaithe, ardaithe do gach leanbh (céim níos mó ag an tríú leanbh). Titeann na rátaí gach bliain: banda láir 29% → 27% → 25%, banda is airde 40%.","Nine-band scale from 18% to 45% above the €12,000 tax-free zone (+€1,500 per child, +€11,500 for three).":"Scála naoi mbanda ó 18% go 45% os cionn an chreasa saor ó cháin €12,000 (+€1,500 in aghaidh an linbh, +€11,500 do thriúr).","Tax-free zone cut to €5,000 (+€2,000 per child), then 10%–45%. Solidarity levy of 1–4% applied on the whole income.":"Crios saor ó cháin laghdaithe go €5,000 (+€2,000 in aghaidh an linbh), ansin 10%–45%. Tobhach dlúthpháirtíochta 1–4% ar an ioncam ar fad.","Three bands: 22% / 32% / 42%. Tax credit €2,100, reduced by €100 per €1,000 above €21,000. Children do not change the tax. 2015 levy becomes progressive (0.7%–8%).":"Trí bhanda: 22% / 32% / 42%. Creidmheas cánach €2,100, laghdaithe €100 in aghaidh gach €1,000 os cionn €21,000. Ní athraíonn leanaí an cháin. Éiríonn tobhach 2015 forchéimnitheach (0.7%–8%).","Four bands: 22% / 29% / 37% / 45%. Tax credit €1,900–2,100 depending on children, minus 1% of income above €20,000. Solidarity levy 2.2%–10%.":"Ceithre bhanda: 22% / 29% / 37% / 45%. Creidmheas cánach €1,900–2,100 ag brath ar leanaí, lúide 1% den ioncam os cionn €20,000. Tobhach dlúthpháirtíochta 2.2%–10%.","Five bands: 9% / 22% / 28% / 36% / 44%. Tax credit €777 (no child) up to €1,340 (four), minus €20 per €1,000 above €12,000. Solidarity levy suspended for private-sector employees from 2021, abolished for all from 2023. 30% e-spending rule.":"Cúig bhanda: 9% / 22% / 28% / 36% / 44%. Creidmheas cánach ó €777 (gan leanbh) go €1,340 (ceathrar), lúide €20 in aghaidh gach €1,000 os cionn €12,000. Cuireadh an tobhach dlúthpháirtíochta ar fionraí d’fhostaithe san earnáil phríobháideach ó 2021 agus cuireadh deireadh leis do chách ó 2023. Riail 30% caiteachais leictreonaigh.","New scale 9% / 20% / 26% / 34% / 39% / 44%. Families pay less in the €10–30k bands (10–20k: 18% / 16% / 9% / 0% for 1 / 2 / 3 / 4+ children). Under 25s pay 0% up to €20,000; ages 26–30 pay 9% on €10–20k.":"Scála nua 9% / 20% / 26% / 34% / 39% / 44%. Íocann teaghlaigh níos lú sna bandaí €10–30k (10–20k: 18% / 16% / 9% / 0% do 1 / 2 / 3 / 4+ leanaí). Íocann daoine faoi 25 0% suas go €20,000; íocann daoine 26–30 9% ar €10–20k.","You need at least 15 years (4,500 days) of insurance for any old-age pension.":"Teastaíonn 15 bliana (4,500 lá) árachais ar a laghad le haghaidh pinsin seanaoise ar bith.","Full pension at 67 with 15+ years, or at 62 with 40 years (12,000 days).":"Pinsean iomlán ag 67 le 15+ bliana, nó ag 62 le 40 bliain (12,000 lá).","With 15+ years you can retire from 62, with a lifelong cut of 1/200 per month before 67 (6% a year, up to 30%).":"Le 15+ bliana is féidir dul ar scor ó 62, le laghdú saoil 1/200 in aghaidh na míosa roimh 67 (6% sa bhliain, suas go 30%).","A flat amount (about €447 / month in 2026) with 20+ years; 2% less for each year below 20 (90% at 15 years). Needs 15+ years living in Greece after 15; full at 40.":"Méid cothrom (thart ar €447 / mí in 2026) le 20+ bliain; 2% níos lú do gach bliain faoi 20 (90% ag 15 bliana). Teastaíonn 15+ bliana cónaithe sa Ghréig tar éis aois 15; iomlán ag 40.","Career-average monthly earnings × accrual rate. Each year adds 0.77% (first 15), then 0.84, 0.90, 0.96, 1.03, 1.21%, and 2.55–2.85% after 30 years (Law 4670/2020). 40 years ≈ 53%.":"Meántuilleamh míosúil thar an ngairm × ráta fabhraithe. Cuireann gach bliain 0.77% leis (an chéad 15), ansin 0.84, 0.90, 0.96, 1.03, 1.21% agus 2.55–2.85% tar éis 30 bliain (Dlí 4670/2020). 40 bliain ≈ 53%.","ΕΤΕΑΕΠ: 0.45% per year for time up to 2014; from 2015 a notional account of 6% of pay turned into a lifelong pension. People first insured from 2022 go to the funded ΤΕΚΑ.":"ΕΤΕΑΕΠ: 0.45% sa bhliain don tréimhse go 2014; ó 2015 cuntas barúlach 6% den phá a athraítear ina phinsean saoil. Téann daoine a árachaíodh den chéad uair ó 2022 isteach sa ΤΕΚΑ maoinithe.","With 15 years, most of them in ΒΑΕ jobs: full pension at 62, reduced from 57.":"Le 15 bliana, an chuid is mó i bpoist ΒΑΕ: pinsean iomlán ag 62, laghdaithe ó 57.","Pensioners pay 6% health contribution and income tax on the same scale as wages. Pensions are paid 12 times a year and rise each year roughly with inflation.":"Íocann pinsinéirí ranníocaíocht sláinte 6% agus cáin ioncaim ar an scála céanna le pá. Íoctar pinsin 12 uair sa bhliain agus ardaíonn siad gach bliain thart ar an mboilsciú.","For monthly-paid staff: monthly salary × 6 ÷ 25 ÷ 40 (about 0.6% of the monthly salary).":"D’fhoireann ar phá míosúil: pá míosúil × 6 ÷ 25 ÷ 40 (thart ar 0.6% den phá míosúil).","Hours 41–45 a week on a 5-day week (41–48 on a 6-day week) are paid +20%.":"Íoctar uaireanta 41–45 sa tseachtain ar sheachtain 5 lá (41–48 ar sheachtain 6 lá) ag +20%.","Beyond that, overtime is paid +40%, up to 3 hours a day and 150 hours a year. It must be declared in ΕΡΓΑΝΗ beforehand; undeclared overtime is paid +120%.":"Os a chionn sin, íoctar ragobair ag +40%, suas go 3 uair an chloig sa lá agus 150 uair an chloig sa bhliain. Caithfear é a dhearbhú roimh ré in ΕΡΓΑΝΗ; íoctar ragobair neamhdhearbhaithe ag +120%.","Work 22:00–06:00 earns +25%; Sundays and public holidays +75%. Premiums add up and apply on top of overtime.":"Tuilleann obair 22:00–06:00 +25%; Domhnaigh agus laethanta saoire poiblí +75%. Cuirtear na préimheanna le chéile agus baineann siad le ragobair freisin.","After the first 12 months (probation, Law 4808/2021): 2 months’ pay up to 4 years, then +1 month per 2 years to 5 months at 8–10 years, then +1 month a year up to 12 months at 16 years.":"Tar éis na chéad 12 mhí (promhadh, Dlí 4808/2021): pá 2 mhí suas go 4 bliana, ansin +1 mhí gach 2 bhliain go 5 mhí ag 8–10 mbliana, ansin +1 mhí sa bhliain go 12 mhí ag 16 bliana.","Last regular monthly salary plus 1/6 for the Christmas and Easter bonuses and holiday allowance.":"An pá míosúil rialta deireanach móide 1/6 do bhónais na Nollag agus na Cásca agus liúntas saoire.","The employer may give 1–4 months’ written notice (by service) and then pays half the severance. You keep working and are paid during the notice.":"Is féidir leis an bhfostóir fógra scríofa 1–4 mhí a thabhairt (de réir seirbhíse) agus ansin íocann sé leath den chúiteamh. Leanann tú ag obair agus íoctar thú le linn an fhógra.","If you had 17+ years with the same employer on 12/11/2012: +1 month per year above 16, up to 12 extra, on salary capped at €2,000.":"Má bhí 17+ bliana agat leis an bhfostóir céanna ar 12/11/2012: +1 mhí in aghaidh gach bliana os cionn 16, suas go 12 bhreise, ar phá uasta €2,000.","Resigning gives no severance. Leaving with a full-pension right gives 40% of severance (50% without supplementary insurance). Pro-rata bonuses and unused leave are always paid.":"Ní thugann éirí as cúiteamh. Má fhágann tú le ceart ar phinsean iomlán faigheann tú 40% den chúiteamh (50% gan árachas forlíontach). Íoctar bónais chomhréireacha agus saoire nár baineadh amach i gcónaí.","Severance has no EFKA and is taxed separately: 0% up to €60,000, 10% to €100,000, 20% to €150,000, 30% above. Bonuses and leave pay are taxed as salary.":"Ní íoctar EFKA ar an gcúiteamh agus gearrtar cáin air ar leith: 0% suas go €60,000, 10% go €100,000, 20% go €150,000, 30% os a chionn. Gearrtar cáin ar bhónais agus pá saoire mar thuarastal.","A dismissal must be challenged in court within 60 days (Law 4808/2021); claims for unpaid severance within 6 months. Act early.":"Ní mór dífhostú a chonspóid sa chúirt laistigh de 60 lá (Dlí 4808/2021); éilimh ar chúiteamh gan íoc laistigh de 6 mhí. Gníomhaigh go luath.","After a dismissal: 5 to 12 months depending on insured days in the 14 months before (125 days → 5 months … 250 days → 12), +10% per dependant. Register with ΔΥΠΑ promptly.":"Tar éis dífhostaithe: 5 go 12 mhí ag brath ar na laethanta árachaithe sna 14 mhí roimhe (125 lá → 5 mhí … 250 lá → 12), +10% in aghaidh an chleithiúnaí. Cláraigh go tapa le ΔΥΠΑ.","Income tax class {0} incl. {1} employment fund":"Income tax class {0} incl. {1} employment fund","Tax credits (employee + CO{0})":"Tax credits (employee + CO{0})","Tax credits (employee + CO{0} + single parent)":"Tax credits (employee + CO{0} + single parent)","Severance ({0} months, tax-free)":"Cúiteamh iomarcaíochta ({0} mí, saor ó cháin)","Thessaloniki":"Thessaloniki","Berlin":"Beirlín","Hamburg":"Hamburg","Frankfurt":"Frankfurt","Turin":"Torino","London":"Londain","Manchester":"Manchain","Severance ({0} days)":"Cúiteamh iomarcaíochta ({0} lá)","Income tax incl. {0} municipal surcharge":"Income tax incl. {0} municipal surcharge","Notice indemnity ({0} weeks of pay, if not worked)":"Cúiteamh fógra ({0} seachtain pá, mura n-oibrítear é)","Taxable income after {0} allowance ({1} tax shares)":"Taxable income after {0} allowance ({1} tax shares)","Legal severance (indemnité légale, tax-free)":"Cúiteamh dlíthiúil (indemnité légale, saor ó cháin)","{0} (single rate) of your pay (capped at {1} a year) × {2}/{3} years. Legal age {4}; from {5}–{6} only with {7}–{8} career years. Net after the {9} health contribution and tax with the pension reduction (estimate).":"{0} (single rate) of your pay (capped at {1} a year) × {2}/{3} years. Legal age {4}; from {5}–{6} only with {7}–{8} career years. Net after the {9} health contribution and tax with the pension reduction (estimate).","Barcelona":"Barcelona","Income tax (single rates)":"Cáin ioncaim (rátaí singil)","Two-thirds pension: ⅔ of your average pay over the best {0} years (capped at {1}) × {2}/{3} years of contributions. Age {4} (born from {5}); from {6} if you have the full {7} years and stop working. Cost-of-living increases are added every year.":"Two-thirds pension: ⅔ of your average pay over the best {0} years (capped at {1}) × {2}/{3} years of contributions. Age {4} (born from {5}); from {6} if you have the full {7} years and stop working. Cost-of-living increases are added every year.","Personal retirement schemes give a {0} tax credit on up to {1} a year (max {2}), here {3}, shown as an extra contribution.":"Personal retirement schemes give a {0} tax credit on up to {1} a year (max {2}), here {3}, shown as an extra contribution.","Compensation ({0} days of base pay per year, tax-free)":"Cúiteamh ({0} lá de bhunphá in aghaidh na bliana, saor ó cháin)","Burial fee and public service fee":"Táille adhlactha agus táille seirbhíse poiblí","{0} months":"{0} mí","{0} month(s)":"{0} mí","Severance pay (odprawa, {0} months)":"Cúiteamh iomarcaíochta (odprawa, {0} mí)","ZUS pension: the {0} recorded on your account and sub-account ({1} of pay, in today’s money) divided by {2} months of average further life at {3} (GUS table from {4} April {5}). Pension age {6}; the minimum needs {7} years. Health insurance of {8} and income tax are deducted. A {9}th pension (PLN {10}) is paid each April. Capital from before {11} and OFE are not modelled.":"ZUS pension: the {0} recorded on your account and sub-account ({1} of pay, in today’s money) divided by {2} months of average further life at {3} (GUS table from {4} April {5}). Pension age {6}; the minimum needs {7} years. Health insurance of {8} and income tax are deducted. A {9}th pension (PLN {10}) is paid each April. Capital from before {11} and OFE are not modelled.","PPK: you pay {0} (up to {1}) and your employer {2} (up to {3}); the employer part counts as taxable income. The state adds PLN {4} a year ({5}) and a PLN {6} welcome payment.":"PPK: you pay {0} (up to {1}) and your employer {2} (up to {3}); the employer part counts as taxable income. The state adds PLN {4} a year ({5}) and a PLN {6} welcome payment.","{0} a month for {1} months, then {2} for {3} months (taxable)":"{0} a month for {1} months, then {2} for {3} months (taxable)","{0} months: {1}, then {2} and {3} of your net pay (up to about CZK {4} a month); starts after the months covered by severance":"{0} months: {1}, then {2} and {3} of your net pay (up to about CZK {4} a month); starts after the months covered by severance","Severance pay ({0} months)":"Cúiteamh iomarcaíochta ({0} mí)","Severance pay ({0} month)":"Cúiteamh iomarcaíochta ({0} mí)","Basic amount CZK {0} + {1} for each of your {2} years of a calculation base of {3} (your average earnings {4} a month, reduced at CZK {5} and {6}). Pension age {7} for your birth year, with {8} years of insurance; up to {9} years early with {10} years ({11} of the base per {12} days). Minimum CZK {13}; old-age pensions are in practice tax-free.":"Basic amount CZK {0} + {1} for each of your {2} years of a calculation base of {3} (your average earnings {4} a month, reduced at CZK {5} and {6}). Pension age {7} for your birth year, with {8} years of insurance; up to {9} years early with {10} years ({11} of the base per {12} days). Minimum CZK {13}; old-age pensions are in practice tax-free.","State contribution {0} a year ({1} of your monthly contribution from CZK {2} up to {3}); the part above CZK {4} a month is tax-deductible up to CZK {5} ({6}). Employer contributions are tax-free up to CZK {7}.":"State contribution {0} a year ({1} of your monthly contribution from CZK {2} up to {3}); the part above CZK {4} a month is tax-deductible up to CZK {5} ({6}). Employer contributions are tax-free up to CZK {7}.","90 days + {0} + {1} days":"90 lá + {0} + {1} lá","Odprawa ({0} months)":"Odprawa ({0} mí)","PPK: you pay 2% (up to 4%) and your employer 1.5% (up to 4%); the employer part counts as taxable income. The state adds PLN 240 a year ({0}) and a PLN 250 welcome payment.":"PPK: íocann tú 2% (suas go 4%) agus d’fhostóir 1.5% (suas go 4%); áirítear cuid an fhostóra mar ioncam inchánach. Cuireann an stát PLN 240 sa bhliain leis ({0}) agus íocaíocht fáilte PLN 250.","{0} a month for 3 months, then {1} for 3 months (taxable){2}":"{0} sa mhí ar feadh 3 mhí, ansin {1} ar feadh 3 mhí (inchánach){2}","resign":"resign","; after resigning it starts only after 90 days":"; tar éis éirí as ní thosaíonn sé go dtí tar éis 90 lá","Severance pay (odprawa, {0} month)":"Cúiteamh iomarcaíochta (odprawa, {0} mí)","{0} month":"{0} mí","ZUS pension: the {0} recorded on your account and sub-account (19.52% of pay, in today’s money) divided by {1} months of average further life at {2} (GUS table from 1 April 2026).{3} Pension age {4}; the minimum needs {5} years. Health insurance of 9% and income tax are deducted. A 13th pension (PLN 1,978.49) is paid each April. Capital from before 1999 and OFE are not modelled.":"Pinsean ZUS: an {0} atá taifeadta ar do chuntas agus fochuntas (19.52% den phá, in airgead an lae inniu) roinnte ar {1} mí de mheánionchas saoil fágtha ag aois {2} (tábla GUS ón 1 Aibreán 2026).{3} Aois phinsin {4}; teastaíonn {5} bliain don íosmhéid. Baintear árachas sláinte 9% agus cáin ioncaim. Íoctar 13ú pinsean (PLN 1,978.49) gach Aibreán. Níl caipiteal ó roimh 1999 ná OFE san áireamh."," Raised to the guaranteed minimum of PLN 1,978.49.":" Ardaithe go dtí an t-íosmhéid ráthaithe PLN 1,978.49.","Notice + severance ({0} months)":"Fógra + cúiteamh iomarcaíochta ({0} mí)","Voluntary pension fund: 20% of your contributions comes back as a tax credit paid into your account, up to HUF 150,000 a year ({0}).":"Ciste pinsin deonach: filleann 20% de do ranníocaíochtaí mar chreidmheas cánach íoctha isteach i do chuntas, suas go HUF 150,000 sa bhliain ({0}).","{0} a month (60% of pay, up to the minimum wage) for {1} days (taxable)":"{0} sa mhí (60% den phá, suas go dtí an íosphá) ar feadh {1} lá (inchánach)","Notice pay in lieu ({0} days, at least half free from work)":"Pá in ionad fógra ({0} lá, leath díobh ar a laghad saor ó obair)","Old-age pension: {0} (for {1} years of service) of your net average earnings {2} a month, after the degression above HUF 372,000. From age 65 with 20 years (a partial pension with 15); women with 40 years of eligible time can retire at any age. A 13th monthly pension is paid each February; pensions are not taxed.":"Pinsean seanaoise: {0} (do {1} bliain seirbhíse) de do mheántuilleamh glan de {2} sa mhí, tar éis an laghdaithe os cionn HUF 372,000. Ó aois 65 le 20 bliain (pinsean páirteach le 15); is féidir le mná a bhfuil 40 bliain d’am incháilithe acu dul ar scor ag aois ar bith. Íoctar 13ú pinsean míosúil gach Feabhra; ní ghearrtar cáin ar phinsin.","Severance ({0} months)":"Cúiteamh iomarcaíochta ({0} mí)","State contribution {0} a year (20% of your monthly contribution from CZK 500 up to 1,700); the part above CZK 1,700 a month is tax-deductible up to CZK 48,000 ({1}). Employer contributions are tax-free up to CZK 50,000.":"Ranníocaíocht stáit {0} sa bhliain (20% de do ranníocaíocht mhíosúil ó CZK 500 suas go 1,700); is féidir an chuid os cionn CZK 1,700 sa mhí a asbhaint suas go CZK 48,000 ({1}). Tá ranníocaíochtaí fostóra saor ó cháin suas go CZK 50,000.","{0} months: 80%, then 50% and 40% of your net pay (up to about CZK 38,537 a month); starts after the months covered by severance":"{0} mí: 80%, ansin 50% agus 40% de do phá glan (suas go thart ar CZK 38,537 sa mhí); tosaíonn sé tar éis na míonna a chlúdaíonn an cúiteamh","Basic amount CZK 4,900 + {0} for each of your {1} years of a calculation base of {2} (your average earnings {3} a month, reduced at CZK 21,546 and 195,868). Pension age {4} for your birth year, with 35 years of insurance; up to 3 years early with 40 years (−1.5% of the base per 90 days). Minimum CZK 9,800; old-age pensions are in practice tax-free.":"Bunmhéid CZK 4,900 + {0} do gach ceann de do {1} bliain de bhonn ríomha {2} (do mheántuilleamh {3} sa mhí, laghdaithe ag CZK 21,546 agus 195,868). Aois phinsin {4} do bhliain do bhreithe, le 35 bliain árachais; suas go 3 bliana níos luaithe le 40 bliain (−1.5% den bhonn in aghaidh gach 90 lá). Íosmhéid CZK 9,800; go praiticiúil níl cáin ar phinsin seanaoise.","Third-pillar contributions are deductible up to 15% of your income and €6,000 a year ({0}).":"Is féidir ranníocaíochtaí tríú colún a asbhaint suas go 15% de d’ioncam agus €6,000 sa bhliain ({0}).","60% of your pay for 100 days, then 40%, for {0} days in total (taxable)":"60% de do phá ar feadh 100 lá, ansin 40%, {0} lá san iomlán (inchánach)","Unemployment Insurance Fund redundancy benefit ({0} months)":"Sochar iomarcaíochta ón gCiste Árachais Dífhostaíochta ({0} mí)","Unemployment Insurance Fund redundancy benefit ({0} month)":"Sochar iomarcaíochta ón gCiste Árachais Dífhostaíochta ({0} mí)","Notice paid in lieu ({0} days)":"Íocaíocht in ionad fógra ({0} lá)","State old-age pension: base part €399.24 + €10.477 for each insurance component ({0} in total; one component is a year of average pay). From age 65 with 15 years of service; up to 5 years earlier with 0.4% less per month, or 0.9% more per month for each month you defer. Income tax of 22% applies above €776 a month. The funded second pillar is paid separately.":"Pinsean seanaoise stáit: bunchuid €399.24 + €10.477 do gach comhpháirt árachais ({0} san iomlán; is ionann comhpháirt amháin agus bliain de mheánphá). Ó aois 65 le 15 bliana seirbhíse; suas go 5 bliana níos luaithe le 0.4% níos lú in aghaidh na míosa, nó 0.9% níos mó in aghaidh gach míosa a chuireann tú siar é. Baineann cáin ioncaim 22% le níos mó ná €776 sa mhí. Íoctar an dara colún maoinithe ar leith.","Funded pension (II pillar) {0}%":"Pinsean maoinithe (II colún) {0}%","Contributions to a voluntary pension fund are deductible up to 10% of your taxable income ({0} a year).":"Is féidir ranníocaíochtaí le ciste pinsin deonach a asbhaint suas go 10% de d’ioncam inchánach ({0} sa bhliain).","about {0} a working day for {1} months (60% of your insurable income, within the 2026 limits)":"thart ar {0} in aghaidh an lae oibre ar feadh {1} mí (60% de d’ioncam árachaithe, laistigh de theorainneacha 2026)","Retirement compensation ({0} months’ pay)":"Cúiteamh scoir ({0} mí pá)","State pension: {0} a month of average insurable income × {1} years × 1.35%{2}. You need age {3} and {4} years of service in {5} (or age 67 with 15 years); up to one year earlier with a 0.4% cut per month. Between €347.51 and €1,738.40 a month; pensions are not taxed.":"Pinsean stáit: {0} sa mhí de mheánioncam árachaithe × {1} bliain × 1.35%{2}. Teastaíonn aois {3} agus {4} bliain seirbhíse uait in {5} (nó aois 67 le 15 bliana); suas le bliain níos luaithe le laghdú 0.4% in aghaidh na míosa. Idir €347.51 agus €1,738.40 sa mhí; ní ghearrtar cáin ar phinsin.",", reduced by about a quarter for the years in a universal pension fund (UPF), which pays its own pension on top":", laghdaithe thart ar an gceathrú cuid do na blianta i gciste pinsin uilíoch (UPF), a íocann a phinsean féin chomh maith","Salary sacrifice is taken before income tax and the Medicare levy and taxed at 15% in the fund instead. All concessional contributions (yours plus the employer’s {0}) count towards the $32,500 cap for 2026–27; unused cap from the last 5 years can be carried forward if your balance is under $500,000.{1}":"Baintear salary sacrifice roimh cháin ioncaim agus an Medicare levy agus gearrtar 15% air sa chiste ina ionad. Áirítear na ranníocaíochtaí lamhálacha ar fad (do chinn féin móide cinn an fhostóra, {0}) i dtreo an uasteorainn $32,500 do 2026–27; is féidir uasteorainn neamhúsáidte ó na 5 bliana deireanacha a thabhairt ar aghaidh má tá d’iarmhéid faoi $500,000.{1}"," Above $250,000 of income, Division 293 adds another 15% on contributions.":" Os cionn $250,000 ioncaim, cuireann Division 293 15% eile ar ranníocaíochtaí.","{0} wk":"{0} scht.","{0} a fortnight JobSeeker Payment, shown for 6 months (means-tested; redundancy pay and savings can delay the start)":"{0} in aghaidh an choicís de JobSeeker Payment, taispeánta ar feadh 6 mhí (faoi réir tástála acmhainne; is féidir le pá iomarcaíochta agus coigilteas an tús a mhoilliú)","{0} week":"{0} seachtain","Pay in lieu of notice ({0} weeks)":"Pá in ionad fógra ({0} seachtain)","NES redundancy pay ({0} weeks)":"Pá iomarcaíochta NES ({0} seachtain)","Age Pension from age 67 after at least 10 years living in Australia (the years above count as residence): up to {0} a fortnight for a single person ({1} each for a couple). It is means-tested: your savings and super of {2} are deemed to earn {3} a year, giving {4} under the income test, and the assets test ({5}) gives {6}; the lower amount is paid. The pension is funded from general tax, so there are no contributions, and with no other income the seniors tax offset means no tax is due. Your super is in the Super tab.":"Age Pension ó aois 67 tar éis 10 mbliana ar a laghad ina gcónaí san Astráil (áirítear na blianta thuas mar chónaí): suas go {0} in aghaidh an choicís do dhuine singil ({1} an duine do lánúin). Tá sé faoi réir tástála acmhainne: meastar go dtuilleann do choigilteas agus do super de {2} {3} sa bhliain, rud a thugann {4} faoin tástáil ioncaim, agus tugann an tástáil sócmhainní ({5}) {6}; íoctar an méid is ísle. Maoinítear an pinsean ó cháin ghinearálta, mar sin níl aon ranníocaíochtaí ann, agus gan ioncam eile ciallaíonn fritháireamh cánach na seanóirí nach bhfuil cáin dlite. Tá do super ar an gcluaisín Super.","homeowner":"úinéir tí","non-homeowner":"ní úinéir tí","part pension, means-tested ({0} of the maximum)":"pinsean páirteach, faoi réir tástála acmhainne ({0} den uasmhéid)","Medicare levy surcharge {0} (no private hospital cover)":"Medicare levy surcharge {0} (gan árachas ospidéil príobháideach)","PGBL contributions are deductible up to 12% of your taxable income ({0} a year) if you file the complete annual return and contribute to INSS. VGBL plans give no deduction but tax only the returns.":"Is féidir ranníocaíochtaí PGBL a asbhaint suas go 12% de d’ioncam inchánach ({0} sa bhliain) má chomhdaíonn tú an tuairisceán bliantúil iomlán agus má íocann tú le INSS. Ní thugann pleananna VGBL asbhaint ach ní ghearrann siad cáin ach ar an toradh.","{0} payments":"{0} íocaíocht","Pro-rata holidays + one third ({0}/12, tax-free)":"Saoire chomhréireach + trian ({0}/12, saor ó cháin)","13th salary pro rata ({0}/12)":"13ú tuarastal comhréireach ({0}/12)","{0} a month for {1} months (first claim)":"{0} sa mhí ar feadh {1} mí (an chéad éileamh)","FGTS balance released ({0}, your own account)":"Iarmhéid FGTS scaoilte ({0}, do chuntas féin)","acordo":"acordo","all":"ar fad","FGTS fine {0} of the balance (tax-free)":"Fíneáil FGTS {0} den iarmhéid (saor ó cháin)","Notice paid in lieu ({0} days{1})":"Íocaíocht in ionad fógra ({0} lá{1})",", half by agreement":", leath trí chomhaontú","INSS retirement by age: {0} of your average salary ({1} a month since July 1994), within the minimum wage (R$1,621) and the ceiling (R$8,475.55). You need age {2} and {3} years of contributions; earlier transition rules for people insured before November 2019 are not modelled. Paid 13 times a year.":"Scor INSS de réir aoise: {0} de do mheántuarastal ({1} sa mhí ó Iúil 1994), idir an íosphá (R$1,621) agus an uasteorainn (R$8,475.55). Teastaíonn aois {2} agus {3} bliain ranníocaíochtaí; níl rialacha aistrithe níos luaithe do dhaoine a árachaíodh roimh Shamhain 2019 san áireamh. Íoctar 13 uair sa bhliain é.","Your limit in 2026 is {0}{1}; employer match {2}. {3} Withdrawals before 59½ usually pay a 10% penalty.":"Is é {0}{1} do theorainn in 2026; ranníocaíocht mheaitseála an fhostóra {2}. {3} De ghnáth íoctar pionós 10% ar aistarraingtí roimh aois 59½."," including the catch-up for your age":" lena n-áirítear an catch-up do d’aois","Roth: you pay tax now and withdrawals after 59½ (account open 5 years) are tax-free; the employer match is usually pre-tax.":"Roth: íocann tú cáin anois agus tá aistarraingtí tar éis aois 59½ (cuntas oscailte 5 bliana) saor ó cháin; de ghnáth bíonn meaitseáil an fhostóra roimh cháin.","Traditional: contributions lower federal and state income tax (not Social Security or Medicare); withdrawals are taxed as income.":"Traditional: laghdaíonn ranníocaíochtaí cáin ioncaim feidearálach agus stáit (ní Social Security ná Medicare); gearrtar cáin ar aistarraingtí mar ioncam.","{0} / week for up to {1} weeks in {2} (taxable)":"{0} / seachtain suas go {1} seachtain in {2} (inchánach)","Severance (company policy, {0} weeks per year)":"Cúiteamh iomarcaíochta (polasaí na cuideachta, {0} seachtain in aghaidh na bliana)","Social Security: primary amount {0} a month at 67 (average indexed earnings {1} a month over your best 35 years), {2}. {3}You need 40 credits (about 10 years of work). Amounts in today’s money.":"Social Security: príomhmhéid {0} sa mhí ag 67 (meántuilleamh innéacsaithe {1} sa mhí thar do 35 bliain is fearr), {2}. {3}Teastaíonn 40 creidmheas (thart ar 10 mbliana oibre). Méideanna in airgead an lae inniu.","reduced to {0} for claiming at {1}":"laghdaithe go {0} má éilítear ag {1}","raised to {0} for waiting until {1}":"ardaithe go {0} má fhanann tú go dtí {1}","paid in full at your full retirement age":"íoctha ina iomlán ag d’aois iomlán scoir","The Medicare Part B premium ($202.90 a month in 2026) is deducted. ":"Baintear préimh Medicare Part B ($202.90 sa mhí in 2026). ","State income tax ({0})":"Cáin ioncaim stáit ({0})","{0} / month at first, {1} days (fund members)":"{0} / mí ar dtús, {1} lá (baill an chiste)","Earnings-related pension {0} a month: 1.5% of each year’s pay (after your pension contribution), times the life-expectancy coefficient (about {1}), +0.4% for each month you claim after your lowest age ({2}).{3} Net is an estimate (pension income deduction not modelled).":"Pinsean bainteach le tuilleamh {0} sa mhí: 1.5% de phá gach bliana (tar éis do ranníocaíochta pinsin), faoi chomhéifeacht an ionchais saoil (thart ar {1}), +0.4% do gach mí a éilíonn tú tar éis d’aoise is ísle ({2}).{3} Is meastachán é an glan (níl asbhaint ioncaim pinsin san áireamh)."," National and guarantee pension add {0} a month.":" Cuireann an pinsean náisiúnta agus ráthaithe {0} sa mhí leis.","{0} / month for up to {1} weeks":"{0} / mí suas go {1} seachtain","Retirement pension {0} a month: 18.1% of each year’s income up to 7.1 G (NOK 969,498) builds a pension account, divided by a life-expectancy divisor for claiming at {1}{2}. You can claim from 62 if the pension at 67 would reach the guarantee level; occupational pension (OTP, at least 2%) and AFP come on top.":"Pinsean scoir {0} sa mhí: tógann 18.1% d’ioncam gach bliana suas go 7.1 G (NOK 969,498) cuntas pinsin, roinnte ar roinnteoir ionchais saoil d’éileamh ag {1}{2}. Is féidir éileamh ó 62 má shroichfeadh an pinsean ag 67 an leibhéal ráthaithe; tagann pinsean ceirde (OTP, 2% ar a laghad) agus AFP air sin.",", plus guarantee pension {0}":", móide pinsean ráthaithe {0}","{0} / month at first, 300 days (a-kassa members)":"{0} / mí ar dtús, 300 lá (baill a-kassa)","Income and premium pension {0} a month: 18.5% of each year’s pensionable pay (capped at SEK 625,500) divided by a life-expectancy divisor for claiming at {1}{2}. You can claim from 63; the target age (riktålder) is 67, when the guarantee pension and housing supplement start. Occupational pensions (ITP/SAF-LO, usually 4.5% of pay) come on top.":"Pinsean ioncaim agus préimhe {0} sa mhí: 18.5% de phá inphinsin gach bliana (uasteorainn SEK 625,500) roinnte ar roinnteoir ionchais saoil d’éileamh ag {1}{2}. Is féidir éileamh ó 63; is é 67 an aois sprice (riktålder), nuair a thosaíonn an pinsean ráthaithe agus an forlíonadh tithíochta. Tagann pinsin cheirde (ITP/SAF-LO, 4.5% den phá de ghnáth) air sin.","{0} / month for up to 2 years (a-kasse members)":"{0} / mí suas go 2 bhliain (baill a-kasse)","Severance (fratrædelsesgodtgørelse) {0} month(s)":"Cúiteamh iomarcaíochta (fratrædelsesgodtgørelse) {0} mí","Folkepension from {0} (your birth year): basic amount DKK 7,544 a month (full after 40 years of residence) + pension supplement up to DKK 8,729 (single, reduced by other income), plus ATP of about {1} a month. Deferring raises it. Most Danes also get a labour-market pension (often 12% of pay), which is not included here.":"Folkepension ó {0} (bliain do bhreithe): bunmhéid DKK 7,544 sa mhí (iomlán tar éis 40 bliain cónaithe) + forlíonadh pinsin suas go DKK 8,729 (singil, laghdaithe ag ioncam eile), móide ATP de thart ar {1} sa mhí. Ardaíonn iarchur é. Tá pinsean margadh saothair ag formhór na nDanar freisin (12% den phá go minic), nach bhfuil san áireamh anseo.","Provident fund, pension and life-insurance contributions are deductible together with social insurance up to ⅕ of income: about {0} here.":"Is féidir ranníocaíochtaí le provident fund, pinsean agus árachas saoil a asbhaint in éineacht le leas sóisialach suas go ⅕ den ioncam: thart ar {0} anseo.","{0} / week, 26 weeks (estimate)":"{0} / seachtain, 26 seachtain (meastachán)","Basic pension {0} + supplementary {1} (1.5% of your insured pay above the basic insurable earnings), paid 13 times a year. Age 65 with 15 years; from 63 with a 12% cut (0.5% a month). Estimate: the official amount uses your insurance points year by year.":"Bunphinsean {0} + forlíontach {1} (1.5% de do phá árachaithe os cionn an bhuntuillimh inárachaithe), íoctha 13 uair sa bhliain. Aois 65 le 15 bliana; ó 63 le laghdú 12% (0.5% sa mhí). Meastachán: úsáideann an méid oifigiúil do phointí árachais bliain ar bhliain.","Personal retirement schemes give a 25% tax credit on up to €3,000 a year (max €750), here {0}, shown as an extra contribution.":"Tugann scéimeanna pearsanta scoir creidmheas cánach 25% ar suas go €3,000 sa bhliain (uasmhéid €750), anseo {0}, taispeánta mar ranníocaíocht bhreise.","Two-thirds pension: ⅔ of your average pay over the best 10 years (capped at €{0}) × {1}/{2} years of contributions. Age 65 (born from 1962); from 61 if you have the full {2} years and stop working. Cost-of-living increases are added every year.":"Pinsean dhá thrian: ⅔ de do mheánphá thar na 10 mbliana is fearr (uasteorainn €{0}) × {1}/{2} bliain ranníocaíochtaí. Aois 65 (rugadh ó 1962); ó 61 má tá na {2} bliain iomlána agat agus má stopann tú ag obair. Cuirtear méaduithe costais mhaireachtála leis gach bliain.","Income tax ({0} rates)":"Cáin ioncaim (rátaí: {0})","married":"pósta","parent":"tuismitheoir","single":"singil","Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to €115,000 at your age). USC and PRSI still apply.":"Faigheann do ranníocaíochtaí pinsin faoiseamh ó cháin ioncaim suas go {0} i mbliana ({1} de thuilleamh suas go €115,000 ag d’aois). Baineann USC agus PRSI fós.","State Pension (Contributory) {0} a week ({1}/40 years of contributions{2}). No early state pension; you can defer it up to 70 for a higher rate. Workplace and auto-enrolment pensions come on top.":"State Pension (Contributory) {0} sa tseachtain ({1}/40 bliain ranníocaíochtaí{2}). Níl pinsean stáit luath ann; is féidir é a chur siar go 70 le haghaidh ráta níos airde. Tagann pinsin cheirde agus auto-enrolment air sin.",", increased for deferring":", méadaithe as é a chur siar","Retirement savings plans (PPR) give a 20% tax credit, up to €400 under 35, €350 from 35 to 50 and €300 above 50: here on up to {0} a year.":"Tugann pleananna coigiltis scoir (PPR) creidmheas cánach 20%, suas go €400 faoi 35, €350 ó 35 go 50 agus €300 os cionn 50: anseo ar suas go {0} sa bhliain.","{0} / month, {1} months":"{0} / mí, {1} mí","Reference earnings {0} a month (best {1} years) × {2} years at 2.0–2.3% a year. Normal age {3} (66 years 9 months in 2026, 66 years 11 months in 2027); yours is {4} after 4 months off for each year above 40 at age 60. Early from 60 with 40 years: −0.5% a month. Paid 14 times a year.":"Tuilleamh tagartha {0} sa mhí (na {1} bliain is fearr) × {2} bliain ag 2.0–2.3% sa bhliain. Gnáthaois {3} (66 bliana 9 mí in 2026, 66 bliana 11 mhí in 2027); is é {4} d’aois féin tar éis 4 mhí níos lú do gach bliain os cionn 40 ag aois 60. Go luath ó 60 le 40 bliain: −0.5% sa mhí. Íoctar 14 uair sa bhliain é.","State-subsidised pension savings (prämienbegünstigte Zukunftsvorsorge): a 4.25% state premium on up to €3,286.08 a year, here {0}. No income-tax deduction. Employer pension-fund contributions are tax-free.":"Coigilteas pinsin le fóirdheontas stáit (prämienbegünstigte Zukunftsvorsorge): préimh stáit 4.25% ar suas go €3,286.08 sa bhliain, anseo {0}. Gan asbhaint cánach ioncaim. Tá ranníocaíochtaí fostóra le ciste pinsin saor ó cháin.","{0} / month, {1} weeks":"{0} / mí, {1} seachtain","Pension account: 1.78% of each year’s pay (capped at €97,020) = {0} a year, paid in 14 instalments{1}. Legal age {2}. Net after 5.1% health insurance and wage tax (estimate).":"Cuntas pinsin: 1.78% de phá gach bliana (uasteorainn €97,020) = {0} sa bhliain, íoctha i 14 thráthchuid{1}. Aois dhlíthiúil {2}. Glan tar éis 5.1% árachais sláinte agus cáin pá (meastachán).",", +{0} for claiming after 65":", +{0} as éileamh tar éis 65",", −{0} corridor pension (5.1% a year before the legal age)":", −{0} pinsean conaire (5.1% sa bhliain roimh an aois dhlíthiúil)","{0} / month gross, {1} months":"{0} / mí comhlán, {1} mí","Flat part {0} ({1}/40 years) + proportional part {2} ({3}% of your career pay){4}. Age 65 with 10 years, or from 57 with 40 years; no reduction for early retirement. Employee, employer and state each pay 8.5%.":"Cuid chothrom {0} ({1}/40 bliain) + cuid chomhréireach {2} ({3}% de do phá gairme){4}. Aois 65 le 10 mbliana, nó ó 57 le 40 bliain; gan laghdú do scor luath. Íocann an fostaí, an fostóir agus an stát 8.5% an duine.",", raised to the minimum pension":", ardaithe go dtí an t-íosphinsean","Income tax class {0} incl. {1}% employment fund":"Cáin ioncaim aicme {0} lena n-áirítear {1}% ciste fostaíochta","Notice of {0} weeks, or the same in pay (taxed)":"Fógra {0} seachtain, nó an méid céanna i bpá (cánaithe)","Pension savings give a tax credit of 30% up to €1,050 a year, or 25% if you pay up to €1,350 (2026): here {0} plus the municipal surcharge.":"Tugann coigilteas pinsin creidmheas cánach 30% suas go €1,050 sa bhliain, nó 25% má íocann tú suas go €1,350 (2026): anseo {0} móide an forcháin bhardasach.","{0} / month gross at first, {1} months":"{0} / mí comhlán ar dtús, {1} mí","{0} of your pay (capped at €82,609 a year) × {1}/45 years{2}. Legal age {3}; from 60–63 only with 42–44 career years{4}. Net after the 3.55% health contribution and tax with the pension reduction (estimate).":"{0} de do phá (uasteorainn €82,609 sa bhliain) × {1}/45 bliain{2}. Aois dhlíthiúil {3}; ó 60–63 ach amháin le 42–44 bliain gairme{4}. Glan tar éis na ranníocaíochta sláinte 3.55% agus cáin le laghdú pinsin (meastachán).","75% (household rate)":"75% (ráta teaghlaigh)","60% (single rate)":"60% (ráta singil)",", here −{0} because you have fewer than 35 full years":", anseo −{0} mar go bhfuil níos lú ná 35 bliain iomlána agat","Income tax incl. {0}% municipal surcharge":"Cáin ioncaim lena n-áirítear {0}% forcháin bhardasach","Annuity (lijfrente) payments are deductible up to your annual room, here about {0} (30% of income above €19,172, before your pension-fund build-up).":"Is féidir íocaíochtaí blianachta (lijfrente) a asbhaint suas go dtí do spás bliantúil, thart ar {0} anseo (30% den ioncam os cionn €19,172, roimh do thógáil sa chiste pinsin).","AOW {0} ({1}/50 years of residence) from 67 + workplace pension {2} ({3}% a year of pay above the €19,554 franchise, estimate)":"AOW {0} ({1}/50 bliain cónaithe) ó 67 + pinsean ceirde {2} ({3}% sa bhliain de phá os cionn an lascaine €19,554, meastachán)","Your PER contributions reduce taxable income up to {0} this year (10% of last year’s professional income, min €4,710, max €37,680).":"Laghdaíonn do ranníocaíochtaí PER ioncam inchánach suas go {0} i mbliana (10% d’ioncam gairmiúil na bliana seo caite, íos €4,710, uas €37,680).","{0} / month for {1} months":"{0} / mí ar feadh {1} mí","Basic pension: average of the best 25 years {0} × {1} × {2}/{3} quarters{4}; AGIRC-ARRCO {5} points × €1.4386. Legal age {6}, full rate at 67.":"Bunphinsean: meán na 25 bliana is fearr {0} × {1} × {2}/{3} ráithe{4}; AGIRC-ARRCO {5} pointe × €1.4386. Aois dhlíthiúil {6}, ráta iomlán ag 67."," + {0} bonus":" + {0} bónas","Taxable income after 10% allowance ({0} tax shares)":"Ioncam inchánach tar éis liúntas 10% ({0} scair chánach)","Paid days off per year, {0}":"Laethanta saoire íoctha in aghaidh na bliana, {0}","Statutory redundancy: {0} weeks × £{1}":"Iomarcaíocht reachtúil: {0} seachtain × £{1}","Objective dismissal: 20 days per year ({0} days), tax-free":"Dífhostú oibiachtúil: 20 lá in aghaidh na bliana ({0} lá), saor ó cháin","€540 × {0} months":"€540 × {0} mí","{0} months’ pay (Law 4093/2012), without notice":"Pá {0} mí (Dlí 4093/2012), gan fógra","same salary {0} / year everywhere":"an tuarastal céanna {0} / bliain i ngach áit","EUR":"EUR","Statutory redundancy ({0} weeks)":"Iomarcaíocht reachtúil ({0} seachtain)","{0} months, from {1} / month":"{0} mí, ó {1} / mí","from {0} / month for {1} months":"ó {0} / mí ar feadh {1} mí","Unfair-dismissal indemnity ({0} months)":"Cúiteamh dífhostaithe éagóraigh ({0} mí)","{0} / month for {1} months{2}":"{0} / mí ar feadh {1} mí{2}"," after a 12-week block":" tar éis bloc 12 seachtaine","working days · legal minimum {0}{1}":"laethanta oibre · íosmhéid dlíthiúil {0}{1}"," (may include bank holidays)":" (féadfaidh laethanta saoire bainc a bheith san áireamh)","Tax-free up to €8,112, social-insurance-free up to €4,056. Employer adds 15% of the SS-free part ({0}).":"Saor ó cháin suas go €8,112, saor ó árachas sóisialach suas go €4,056. Cuireann an fostóir 15% den chuid saor ó ÁS leis ({0}).","with +{0} for deferring":"le +{0} as é a chur siar","£241.30/week × {0}/35 qualifying years; State Pension age {1}":"£241.30/seachtain × {0}/35 bliain cháilitheacha; aois State Pension {1}","Base {0} × {1} for {2} years; ordinary age {3}":"Bonn {0} × {1} ar feadh {2} bliain; gnáthaois {3}","Notional capital {0} × {1}% at {2}":"Caipiteal barúlach {0} × {1}% ag {2}","{0} pension points × €42.52":"{0} pointe pinsin × €42.52","Freelancer {0} vs employee {1} on a budget of {2}":"Saoroibrí {0} vs fostaí {1} ar bhuiséad {2}","{0} working days":"{0} lá oibre","6 days (1 child), 8 (2), 14 (3+) a year, children under 16{0}":"6 lá (1 leanbh), 8 (2), 14 (3+) sa bhliain, leanaí faoi 16{0}"," → {0} days":" → {0} lá","Up to 4 days a year per child{0}":"Suas go 4 lá sa bhliain in aghaidh an linbh{0}","Long-term care {0}%":"Cúram fadtéarmach {0}%","Tax credits (employee + CO2 + single parent)":"Creidmheasanna cánach (fostaí + CO2 + tuismitheoir aonair)","Tax credits (employee + CO2)":"Creidmheasanna cánach (fostaí + CO2)","Tax credits (personal + employee + single parent)":"Creidmheasanna cánach (pearsanta + fostaí + tuismitheoir aonair)","Municipal tax (kommuneskat {0})":"Cáin bhardasach (kommuneskat {0})","Municipal and regional tax ({0})":"Cáin bhardasach agus réigiúnach ({0})","Burial fee + church fee and public service fee":"Táille adhlactha + táille eaglaise agus táille seirbhíse poiblí","Employee pension contribution (TyEL {0})":"Ranníocaíocht pinsin an fhostaí (TyEL {0})","Municipal tax ({0}) + church tax":"Cáin bhardasach ({0}) + cáin eaglaise","Municipal tax ({0})":"Cáin bhardasach ({0})","{0} (moved)":"{0} (bogtha)","Zurich (city)":"Zürich (cathair)","Geneva (city)":"An Ghinéiv (cathair)","Lausanne (Vaud)":"Lausanne (Vaud)","Bern (city)":"Beirn (cathair)","Basel (Basel-Stadt)":"Basel (Basel-Stadt)","Federal tax only (canton not included)":"Cáin fheidearálach amháin (gan an canton)","Old-age, disability and income-loss insurance (AHV/IV/EO) 5.3%":"Árachas seanaoise, míchumais agus caillteanais ioncaim (AHV/IV/EO) 5.3%","Unemployment insurance (ALV) 1.1%":"Árachas dífhostaíochta (ALV) 1.1%","Non-occupational accident insurance (NBU) {p}":"Árachas timpistí lasmuigh den obair (NBU) {p}","Occupational pension (BVG minimum), half of {p} of the coordinated salary":"Pinsean ceirde (íosmhéid BVG), leath de {p} den tuarastal comhordaithe","Cantonal and communal income tax ({c})":"Cáin ioncaim chantúnach agus phobail ({c})","Taxable income for the federal tax":"Ioncam inchánach don cháin fheidearálach","Taxable income for the cantonal tax":"Ioncam inchánach don cháin chantúnach","Employer AHV/IV/EO, ALV and BVG (same as yours; family allowance and accident premiums not included)":"AHV/IV/EO, ALV agus BVG an fhostóra (mar an gcéanna le do chuidse; gan ranníocaíochtaí liúntais teaghlaigh ná préimheanna timpistí)","AHV old-age pension {a} a month ({y} of 44 contribution years, average yearly income {e}; full pension from CHF 1,260 to CHF 2,520), plus the 13th AHV pension paid each December from 2026, spread over the year here. Occupational pension (BVG minimum) {b} a month: your retirement savings of about {s} × {c} conversion rate. Reference age 65 (women born 1961–1963 between 64 and 65); the AHV pension can start from 63 (6.8% less per year early) or be deferred up to 5 years (up to 31.5% more). Tax estimated for {t}.":"Pinsean seanaoise AHV {a} sa mhí ({y} as 44 bliain ranníocaíochta, meánioncam bliantúil {e}; pinsean iomlán ó CHF 1,260 go CHF 2,520), móide an 13ú pinsean AHV a íoctar gach Nollaig ó 2026, scaipthe thar an mbliain anseo. Pinsean ceirde (íosmhéid BVG) {b} sa mhí: do choigilteas scoir de thart ar {s} × ráta comhshóite {c}. Aois tagartha 65 (mná a rugadh 1961–1963 idir 64 agus 65); is féidir an pinsean AHV a thosú ó 63 (6.8% níos lú in aghaidh na bliana roimh ré) nó é a chur siar suas le 5 bliana (suas le 31.5% níos mó). Cáin measta do {t}.","AHV/IV/EO for the self-employed 10% (lower rates up to CHF 60,500 of income)":"AHV/IV/EO do dhaoine féinfhostaithe 10% (rátaí níos ísle suas le CHF 60,500 d’ioncam)","Long-service severance (art. 339b CO, at least 2 months’ pay; reduced by employer pension-fund benefits)":"Íocaíocht scoir do sheirbhís fhada (alt 339b CO, pá 2 mhí ar a laghad; laghdaithe de réir shochair chiste pinsin an fhostóra)","{a} a month ({p} of your insured salary, at most CHF 12,350 a month) for {n} daily allowances (about {m} months); after a resignation the fund usually suspends 31–60 days":"{a} sa mhí ({p} de do thuarastal árachaithe, CHF 12,350 sa mhí ar a mhéad) ar feadh {n} liúntas laethúil (thart ar {m} mhí); tar éis duit éirí as, cuireann an ciste ar fionraí de ghnáth ar feadh 31–60 lá","{m} months (to the end of a month)":"{m} mhí (go deireadh míosa)","Code of Obligations art. 335c":"Cód na nOibleagáidí alt 335c","Switzerland":"An Eilvéis","Place of residence (canton and commune)":"Áit chónaithe (canton agus pobal)","Non-occupational accident insurance (NBU) %":"Árachas timpistí lasmuigh den obair (NBU) %","Occupational pension fund (BVG minimum contributions)":"Ciste pinsin (íosranníocaíochtaí BVG)","Three levels tax your income: the federal government (progressive up to 11.5%; the 2026 tariff starts above CHF 15,200 of taxable income for single people), the canton and the commune, which multiply the cantonal tariff by their tax rates. The cantonal and communal tax shown here comes from the official ESTV tax calculator for 2026 for the selected city, without church tax. Children reduce the federal tax by CHF 263 each and single parents use the lower parent tariff.":"Gearrtar cáin ar d’ioncam ar thrí leibhéal: an rialtas feidearálach (forchéimnitheach suas le 11.5%; tosaíonn scála 2026 os cionn CHF 15,200 d’ioncam inchánach do dhaoine aonair), an canton agus an pobal, a iolraíonn an scála cantúnach faoina rátaí féin. Tagann an cháin chantúnach agus phobail a thaispeántar ó áireamhán oifigiúil cánach ESTV do 2026 don chathair roghnaithe, gan cháin eaglaise. Laghdaíonn gach leanbh an cháin fheidearálach CHF 263 agus úsáideann tuismitheoirí aonair an scála tuismitheora is ísle.","Employees pay 5.3% AHV/IV/EO on all pay and 1.1% unemployment insurance up to CHF 148,200 a year; the employer pays the same. Non-occupational accident insurance (about 1%, depending on the insurer) is usually deducted from pay. The occupational pension (BVG) is compulsory above CHF 22,680 a year: age credits of 7% to 18% of the coordinated salary (pay up to CHF 90,720 minus CHF 26,460), at least half paid by the employer. Many pension funds insure more than the legal minimum used here.":"Íocann fostaithe 5.3% AHV/IV/EO ar an bpá go léir agus 1.1% árachas dífhostaíochta suas le CHF 148,200 sa bhliain; íocann an fostóir an méid céanna. Asbhaintear árachas timpistí lasmuigh den obair (thart ar 1%, ag brath ar an árachóir) ón bpá de ghnáth. Tá an pinsean ceirde (BVG) éigeantach os cionn CHF 22,680 sa bhliain: creidmheasanna aoise de 7% go 18% den tuarastal comhordaithe (pá suas le CHF 90,720 lúide CHF 26,460), leath acu ar a laghad íoctha ag an bhfostóir. Árachaíonn go leor cistí pinsin níos mó ná an t-íosmhéid dlíthiúil a úsáidtear anseo.","Code of Obligations and Labour Act":"Cód na nOibleagáidí agus an tAcht Saothair","Overtime beyond the contractual hours is paid with a 25% supplement unless the written contract says otherwise or it is compensated with time off. Work beyond the legal maximum week (45 hours in industry and offices, 50 hours in other sectors) is limited to 2 hours a day and 170 hours a year (140 with a 50-hour week) and must be paid with 25% extra. Night work is allowed only with a permit and Sunday work is paid with 50% extra.":"Íoctar ragobair thar na huaireanta conartha le forlíonadh 25%, mura bhfuil a mhalairt sa chonradh scríofa nó mura gcúitítear í le saoire. Tá obair thar an tseachtain uasta dhlíthiúil (45 uair sa tionscal agus in oifigí, 50 uair in earnálacha eile) teoranta do 2 uair sa lá agus 170 uair sa bhliain (140 le seachtain 50 uair) agus caithfear í a íoc le 25% breise. Ní cheadaítear obair oíche ach le cead agus íoctar obair Domhnaigh le 50% breise.","2 h / day, 170 h / year above the 45-hour week":"2 u / lá, 170 u / bliain os cionn na seachtaine 45 uair","The self-employed pay 10% AHV/IV/EO on their profit (lower rates from 5.371% for incomes below CHF 60,500, at least CHF 530 a year) and no unemployment insurance. Joining a pension fund is voluntary; without one you can pay up to 20% of your income, at most CHF 36,288 a year, into pillar 3a tax-free. VAT registration is required above CHF 100,000 of turnover.":"Íocann daoine féinfhostaithe 10% AHV/IV/EO ar a mbrabús (rátaí níos ísle ó 5.371% d’ioncam faoi CHF 60,500, CHF 530 sa bhliain ar a laghad) agus gan árachas dífhostaíochta. Tá ballraíocht i gciste pinsin deonach; gan chiste is féidir leat suas le 20% d’ioncam, CHF 36,288 sa bhliain ar a mhéad, a íoc isteach i gcolún 3a saor ó cháin. Tá clárú CBL riachtanach os cionn láimhdeachas CHF 100,000.","AHV old-age pension (1st pillar)":"Pinsean seanaoise AHV (1ú colún)","A full AHV pension needs 44 contribution years and ranges from CHF 1,260 to CHF 2,520 a month depending on average yearly income (in 2025 and 2026); each missing year cuts it by about 1/44. From December 2026 a 13th monthly pension is paid every year. The reference age is 65 (women born 1961–1963 between 64¼ and 64¾); the pension can start from 63 or be deferred up to age 70.":"Teastaíonn 44 bliain ranníocaíochta le haghaidh pinsean AHV iomlán agus bíonn sé idir CHF 1,260 agus CHF 2,520 sa mhí ag brath ar an meánioncam bliantúil (in 2025 agus 2026); laghdaíonn gach bliain atá in easnamh é thart ar 1/44. Ó Nollaig 2026 íoctar 13ú pinsean míosúil gach bliain. Is é 65 an aois tagartha (mná a rugadh 1961–1963 idir 64¼ agus 64¾); is féidir an pinsean a thosú ó 63 nó é a chur siar go 70.","Occupational pension (2nd pillar)":"Pinsean ceirde (2ú colún)","The BVG savings (age credits plus at least 1.25% interest in 2026) are turned into a life pension with a minimum conversion rate of 6.8% at the reference age, or paid out as a lump sum. Together, AHV and BVG aim to replace about 60% of earlier pay up to CHF 90,720.":"Athraítear coigilteas BVG (creidmheasanna aoise móide ús 1.25% ar a laghad in 2026) ina phinsean saoil le ráta comhshóite íosta 6.8% ag an aois tagartha, nó íoctar é mar chnapshuim. Le chéile, tá sé mar aidhm ag AHV agus BVG thart ar 60% den phá roimhe sin a chur in ionad suas le CHF 90,720.","Pillar 3a contributions are deductible from taxable income up to CHF 7,258 a year in 2026 if you are in a pension fund (20% of income, at most CHF 36,288, without one). The money is locked until five years before the reference age (or for buying a home or starting a business) and taxed separately at a reduced rate when withdrawn.":"Tá ranníocaíochtaí le colún 3a inasbhainte ón ioncam inchánach suas le CHF 7,258 sa bhliain in 2026 má tá tú i gciste pinsin (gan chiste, 20% den ioncam, CHF 36,288 ar a mhéad). Bíonn an t-airgead faoi ghlas go dtí cúig bliana roimh an aois tagartha (ach amháin chun teach a cheannach nó gnó a thosú) agus gearrtar cáin air ar leith ag ráta laghdaithe nuair a tharraingítear siar é.","Pillar 3a (bank account or securities): contributions are tax-deductible, returns are tax-free and the withdrawal is taxed separately at a reduced rate (about 7% used here; it depends on the canton and amount). Interest on ordinary savings is taxed as income (25% used) and 35% withholding tax is deducted and refunded through the tax return.":"Colún 3a (cuntas bainc nó urrúis): tá ranníocaíochtaí inasbhainte, tá an toradh saor ó cháin agus gearrtar cáin ar an aistarraingt ar leith ag ráta laghdaithe (thart ar 7% anseo; braitheann sé ar an gcanton agus ar an méid). Gearrtar cáin ar ús ar ghnáthchoigilteas mar ioncam (25% anseo) agus asbhaintear cáin choinneála 35% agus aisíoctar í tríd an tuairisceán cánach.","Berchtold’s Day":"Lá Naomh Berchtold","Swiss National Day":"Lá Náisiúnta na hEilvéise","Jeûne genevois":"Troscadh na Ginéive (Jeûne genevois)","Federal Fast Monday":"Luan an Troscaidh Fheidearálaigh","Restoration of the Republic":"Athbhunú na Poblachta","At least 4 weeks of paid holiday a year (5 weeks up to age 20); many contracts give 5 weeks. Only 1 August is a public holiday everywhere: the cantons set the others (up to 8 a year count as equal to Sundays), so the list of the selected city is shown.":"4 seachtaine saoire íoctha sa bhliain ar a laghad (5 seachtaine go dtí 20 bliain d’aois); tugann go leor conarthaí 5 seachtaine. Níl ach 1 Lúnasa ina lá saoire i ngach áit: socraíonn na cantúin na laethanta eile (suas le 8 sa bhliain cothrom leis an Domhnach), mar sin taispeántar liosta na cathrach roghnaithe.","14 weeks from the birth (Geneva: 16 weeks)":"14 seachtaine ón mbreith (An Ghinéiv: 16 seachtaine)","80% of pay, at most CHF 220 a day (income-loss insurance, EO)":"80% den phá, CHF 220 sa lá ar a mhéad (árachas caillteanais ioncaim, EO)","2 weeks (10 working days) within 6 months of the birth":"2 sheachtain (10 lá oibre) laistigh de 6 mhí ón mbreith","80% of pay, at most CHF 220 a day":"80% den phá, CHF 220 sa lá ar a mhéad","Family allowances":"Liúntais teaghlaigh","Monthly per child, from the employer’s family compensation fund":"Míosúil in aghaidh an linbh, ó chiste cúitimh teaghlaigh an fhostóra","At least CHF 215 per child (CHF 268 in education from 16 to 25); many cantons pay more":"CHF 215 ar a laghad in aghaidh an linbh (CHF 268 i mbun oideachais ó 16 go 25); íocann go leor cantún níos mó","By law the employer pays for a limited time (3 weeks in the first year, longer with service); most employers have daily sickness insurance instead":"De réir dlí íocann an fostóir ar feadh tréimhse theoranta (3 seachtaine sa chéad bhliain, níos faide le seirbhís); bíonn árachas liúntais bhreoiteachta laethúil ag formhór na bhfostóirí ina ionad sin","100% (law) or usually 80% for up to 720 days (insurance)":"100% (dlí) nó 80% de ghnáth suas le 720 lá (árachas)","Dismissed by the employer":"Briste ag an bhfostóir","After the probation period the notice is 1 month in the first year of service, 2 months from the second to the ninth year and 3 months after that, always to the end of a month (contracts may set longer periods). There is no general severance pay: only workers aged 50 or more with 20 years at the employer are owed 2 to 8 months’ pay, reduced by what the employer’s pension fund pays.":"Tar éis na tréimhse promhaidh, is é 1 mhí an fógra sa chéad bhliain seirbhíse, 2 mhí ón dara bliain go dtí an naoú bliain agus 3 mhí ina dhiaidh sin, i gcónaí go deireadh míosa (féadfaidh conarthaí tréimhsí níos faide a shocrú). Níl aon íocaíocht iomarcaíochta ghinearálta ann: níl ach oibrithe 50 bliain d’aois nó níos sine le 20 bliain ag an bhfostóir i dteideal pá 2 go 8 mí, laghdaithe faoin méid a íocann ciste pinsin an fhostóra.","With at least 12 months of contributions in the last 2 years the unemployment fund pays 70% of your insured salary (80% with children or a low salary), at most CHF 12,350 a month, for 200 daily allowances (12 months of contributions), 260 (18 months) or 400 (22 months; 520 from age 55). There are 5 to 20 waiting days depending on income, and a suspension if you resigned without good reason.":"Le 12 mhí ranníocaíochta ar a laghad sa 2 bhliain dheireanacha íocann an ciste dífhostaíochta 70% de do thuarastal árachaithe (80% le leanaí nó le pá íseal), CHF 12,350 sa mhí ar a mhéad, ar feadh 200 liúntas laethúil (12 mhí ranníocaíochta), 260 (18 mí) nó 400 (22 mhí; 520 ó 55 bliana d’aois). Bíonn 5 go 20 lá feithimh ag brath ar ioncam agus fionraí má d’éirigh tú as gan chúis mhaith.","Paying the maximum CHF 7,258 into pillar 3a lowers your federal, cantonal and communal income tax at your marginal rate.":"Má íocann tú an t-uasmhéid CHF 7,258 isteach i gcolún 3a laghdaítear do cháin fheidearálach, chantúnach agus phobail de réir do ráta imeallaigh.","Voluntary buy-ins into your pension fund are also fully deductible (ask your fund for your buy-in potential).":"Tá ceannacháin dheonacha isteach i do chiste pinsin inasbhainte go hiomlán freisin (fiafraigh de do chiste faoi d’acmhainn cheannaigh).","Family allowances of at least CHF 215 per child a month are included (many cantons pay more, e.g. Geneva and Vaud). Married couples are taxed jointly with the married tariff, which is not modelled; single parents use the parent tariff.":"Áirítear liúntais teaghlaigh de CHF 215 ar a laghad in aghaidh an linbh sa mhí (íocann go leor cantún níos mó, m.sh. An Ghinéiv agus Vaud). Gearrtar cáin ar lánúineacha pósta le chéile leis an scála pósta, nach ríomhtar anseo; úsáideann tuismitheoirí aonair an scála tuismitheora.","None (only from age 50 with 20 years)":"Ceann ar bith (ach ó 50 bliain d’aois le 20 bliain)","14 weeks at 80%":"14 seachtaine ag 80%","2 weeks at 80%":"2 sheachtain ag 80%","No general parental leave":"Gan saoire tuismitheora ghinearálta","80% (insurance, up to 720 days)":"80% (árachas, suas le 720 lá)","Annual social insurance and income tax for one employee with the 2026 rules: federal tax from the official tariff, cantonal and communal tax from the ESTV tax calculator for the selected city (no church tax; the cantons’ standard deductions as the calculator applies them), the legal minimum BVG contributions and an estimated accident premium. Married couples, church tax, actual pension-fund rules, wealth tax and withholding tax for foreign workers (Quellensteuer) are not modelled.":"Árachas sóisialta agus cáin ioncaim bhliantúil d’fhostaí amháin faoi rialacha 2026: cáin fheidearálach ón scála oifigiúil, cáin chantúnach agus phobail ó áireamhán cánach ESTV don chathair roghnaithe (gan cháin eaglaise; le gnáth-asbhaintí na gcantún mar a chuireann an t-áireamhán i bhfeidhm iad), na híosranníocaíochtaí dlíthiúla BVG agus préimh timpistí measta. Ní ríomhtar lánúineacha pósta, cáin eaglaise, rialacha iarbhír na gcistí pinsin, cáin rachmais ná cáin choinneála d’oibrithe eachtracha.","Official sources: Federal Tax Administration ESTV (2026 tariffs and deductions, circular 2-215-D-2025; ESTV tax calculator for the cantonal and communal tax 2026), Federal Social Insurance Office (AHV pension scale, BVG thresholds and pillar 3a limits 2026), AHVG, BVG, AVIG (unemployment insurance), Code of Obligations (notice and severance), Labour Act (working hours), Eurostat (inflation, price levels, life expectancy).":"Foinsí oifigiúla: Riarachán Cánach Feidearálach ESTV (scálaí agus asbhaintí 2026, imlitir 2-215-D-2025; áireamhán cánach ESTV don cháin chantúnach agus phobail 2026), Oifig Feidearálach Árachais Shóisialta (scála pinsin AHV, teorainneacha BVG agus colún 3a 2026), AHVG, BVG, AVIG (árachas dífhostaíochta), Cód na nOibleagáidí (fógra agus íocaíocht scoir), An tAcht Saothair (uaireanta oibre), Eurostat (boilsciú, leibhéil praghsanna, ionchas saoil).","Federal tax on a taxable income of CHF 80,000 (single)":"Cáin fheidearálach ar ioncam inchánach CHF 80,000 (duine aonair)","Federal tax for a single parent with two children, taxable CHF 70,173":"Cáin fheidearálach do thuismitheoir aonair le beirt leanaí, inchánach CHF 70,173","Federal taxable income at CHF 100,000 gross (ESTV example: CHF 10,338 contributions)":"Ioncam inchánach feidearálach ag CHF 100,000 comhlán (sampla ESTV: ranníocaíochtaí CHF 10,338)","Cantonal and communal tax in Zurich, ESTV example at CHF 100,000 gross":"Cáin chantúnach agus phobail in Zürich, sampla ESTV ag CHF 100,000 comhlán","Maximum employee unemployment insurance contribution":"Uasranníocaíocht fostaí le harachas dífhostaíochta","Maximum BVG coordinated salary":"Uastuarastal comhordaithe BVG","Maximum full AHV pension (per month)":"Uaspinsean iomlán AHV (in aghaidh na míosa)","Full AHV pension at an average income of CHF 45,360":"Pinsean iomlán AHV ag meánioncam CHF 45,360","Pillar 3a maximum with a pension fund 2026":"Uasmhéid cholún 3a le ciste pinsin 2026","Maximum unemployment benefit per month (70%)":"Uasliúntas dífhostaíochta in aghaidh na míosa (70%)","Notice after 5 years of service (months)":"Fógra tar éis 5 bliana seirbhíse (míonna)","Pension fund 4%":"Ciste pinsin 4%","Supplementary private pension 2% (tax-deductible)":"Pinsean príobháideach forlíontach 2% (inasbhainte)","Income tax incl. municipal tax ({a} / {b} / {c}, less the personal tax credit)":"Cáin ioncaim lena n-áirítear cáin bhardasach ({a} / {b} / {c}, lúide an creidmheas cánach pearsanta)","Personal tax credit (per year)":"Creidmheas cánach pearsanta (in aghaidh na bliana)","Employer pension 11.5% and private pension 2%, social security tax 6.35%, rehabilitation fund 0.1%":"Pinsean an fhostóra 11.5% agus pinsean príobháideach 2%, cáin slándála sóisialta 6.35%, ciste athshlánúcháin 0.1%","Employer pension 11.5%, social security tax 6.35%, rehabilitation fund 0.1%":"Pinsean an fhostóra 11.5%, cáin slándála sóisialta 6.35%, ciste athshlánúcháin 0.1%","Pension-fund pension {f} a month (about 1.8% of your pay for each of {y} contribution years) plus the TR old-age pension {t}: up to ISK 365,592 a month with 40 years of residence ({r} here), reduced by 45% of other income above ISK 43,658 a month. Pensions start at 67; from 65 they are cut by 0.5% a month and deferring raises them by 0.5% a month.":"Pinsean ón gciste {f} sa mhí (thart ar 1.8% de do phá do gach ceann de {y} bliain ranníocaíochta) móide pinsean seanaoise an stáit (TR) {t}: suas le ISK 365,592 sa mhí le 40 bliain cónaithe ({r} anseo), laghdaithe faoi 45% d’ioncam eile os cionn ISK 43,658 sa mhí. Tosaíonn na pinsin ag 67; ó 65 laghdaítear iad 0.5% sa mhí agus ardaíonn iad a chur siar iad 0.5% sa mhí.","Pension 15.5% and social security tax 6.35% on your own salary":"Pinsean 15.5% agus cáin slándála sóisialta 6.35% ar do thuarastal féin","3 months":"3 mhí","{a} a month for the first 3 months (70% of your average pay, at most ISK 605,159), then ISK 383,870, for up to 24 months in total{p}":"{a} sa mhí don chéad 3 mhí (70% de do mheánphá, ISK 605,159 ar a mhéad), ansin ISK 383,870, suas le 24 mhí san iomlán{p}","; after resigning without good reason the first 2 months are not paid":"; tar éis éirí as gan chúis mhaith ní íoctar an chéad 2 mhí","Act 19/1979 and collective agreements":"Acht 19/1979 agus comhaontuithe comhchoiteanna","Iceland":"An Íoslainn","Supplementary private pension 2% (with the employer’s 2%)":"Pinsean príobháideach forlíontach 2% (le 2% an fhostóra)","Years lived in Iceland between ages 16 and 67 (for the TR pension)":"Blianta a chaith tú san Íoslainn idir 16 agus 67 bliain d’aois (don phinsean TR)","Tax is withheld every month at 31.49% up to ISK 498,122, 37.99% up to ISK 1,398,450 and 46.29% above; the rates include the average municipal income tax. Everyone aged 16 or more gets a personal tax credit of ISK 72,492 a month (ISK 869,898 a year), deducted from the tax. Pension-fund contributions (4%) and supplementary private pension contributions (up to 4%) are deducted before tax.":"Coinnítear an cháin gach mí ag 31.49% suas le ISK 498,122, 37.99% suas le ISK 1,398,450 agus 46.29% os a chionn; áirítear meánráta na cánach ioncaim bardasaí sna rátaí. Faigheann gach duine 16 bliana d’aois nó níos sine creidmheas cánach pearsanta de ISK 72,492 sa mhí (ISK 869,898 sa bhliain), a bhaintear den cháin. Asbhaintear ranníocaíochtaí le ciste pinsin (4%) agus le pinsean príobháideach forlíontach (suas le 4%) roimh cháin.","Employees pay 4% of pay to a pension fund and the employer 11.5%; most also save 2% in a supplementary private pension, matched by 2% from the employer under the collective agreements. Employers also pay the social security tax (tryggingagjald) of 6.35%. Union dues (often about 1%) are not included.":"Íocann fostaithe 4% den phá le ciste pinsin agus an fostóir 11.5%; sábhálann formhór 2% freisin i bpinsean príobháideach forlíontach, le 2% eile ón bhfostóir faoi na comhaontuithe comhchoiteanna. Íocann fostóirí an cháin slándála sóisialta (tryggingagjald) de 6.35% freisin. Ní áirítear táillí ceardchumainn (thart ar 1% go minic).","Collective agreements and the Working Environment Act":"Comhaontuithe comhchoiteanna agus an tAcht um Thimpeallacht Oibre","The normal week is 40 hours (36 in many agreements since the shorter working week). Overtime is paid under the collective agreements, commonly at 1.0385% of monthly pay per hour (about 80% above the normal hourly rate). Working time including overtime may not exceed 48 hours a week on average, with at least 11 hours of rest a day.":"Is é 40 uair an ghnáthsheachtain (36 i go leor comhaontuithe ó giorraíodh an tseachtain oibre). Íoctar ragobair faoi na comhaontuithe comhchoiteanna, go minic ag 1.0385% den phá míosúil san uair (thart ar 80% os cionn an ghnáthráta). Ní féidir le hamanna oibre, ragobair san áireamh, dul thar 48 uair sa tseachtain ar an meán, le 11 uair scíthe sa lá ar a laghad.","48 h / week on average including overtime":"48 u / seachtain ar an meán, ragobair san áireamh","The self-employed must pay themselves a salary at least at the official guideline for their occupation (reiknað endurgjald), with 15.5% pension contributions and the 6.35% social security tax; the salary is taxed like an employee’s. Here the whole profit is treated as your own salary.":"Caithfidh daoine féinfhostaithe tuarastal a íoc leo féin ar a laghad ag an treoirleibhéal oifigiúil dá ngairm (reiknað endurgjald), le ranníocaíochtaí pinsin 15.5% agus an cháin slándála sóisialta 6.35%; gearrtar cáin ar an tuarastal mar a ghearrtar ar fhostaí. Anseo áirítear an brabús go léir mar do thuarastal féin.","Pension funds":"Cistí pinsin","The main pension comes from the occupational pension funds, which receive 15.5% of pay (4% employee, 11.5% employer) and pay a life pension from 67, usually possible from 60–65 with a reduction. Each fund has its own accrual tables; about 1.8% of pay per year is used here.":"Tagann an príomhphinsean ó na cistí pinsin ceirde, a fhaigheann 15.5% den phá (4% fostaí, 11.5% fostóir) agus a íocann pinsean saoil ó 67, féideartha de ghnáth ó 60–65 le laghdú. Tá a táblaí féin ag gach ciste; úsáidtear thart ar 1.8% den phá in aghaidh na bliana anseo.","State old-age pension (TR)":"Pinsean seanaoise an stáit (TR)","The Social Insurance Administration pays up to ISK 365,592 a month in 2026 to people with 40 years of residence between 16 and 67 (less with fewer years). It is reduced by 45% of other income, including fund pensions, above ISK 43,658 a month. Single people living alone can receive a household supplement (not included).":"Íocann an Riarachán Árachais Shóisialta suas le ISK 365,592 sa mhí in 2026 le daoine a bhfuil 40 bliain cónaithe acu idir 16 agus 67 (níos lú le níos lú blianta). Laghdaítear é faoi 45% d’ioncam eile, pinsin ó chistí san áireamh, os cionn ISK 43,658 sa mhí. Is féidir le daoine a chónaíonn ina n-aonar forlíonadh teaghlaigh a fháil (ní áirítear é).","Supplementary private pension contributions are deductible up to 4% of pay ({l} for you); the employer adds 2% under the collective agreements. The savings can be withdrawn from 60, or used tax-free towards a first home (up to ISK 500,000 a year for 10 years).":"Tá ranníocaíochtaí le pinsean príobháideach forlíontach inasbhainte suas le 4% den phá ({l} duitse); cuireann an fostóir 2% leis faoi na comhaontuithe comhchoiteanna. Is féidir an coigilteas a tharraingt ó 60 nó é a úsáid saor ó cháin le haghaidh céad tí (suas le ISK 500,000 sa bhliain ar feadh 10 mbliana).","Supplementary private pension (séreignarsparnaður): up to 4% of pay is deductible and the employer adds 2%; withdrawals from 60 are taxed as income (about 32% used here), but the savings can be used tax-free for a first home. Interest above ISK 300,000 a year is taxed at 22% capital income tax.":"Pinsean príobháideach forlíontach (séreignarsparnaður): tá suas le 4% den phá inasbhainte agus cuireann an fostóir 2% leis; gearrtar cáin ar aistarraingtí ó 60 mar ioncam (thart ar 32% anseo), ach is féidir an coigilteas a úsáid saor ó cháin le haghaidh céad tí. Gearrtar cáin ioncaim caipitil 22% ar ús os cionn ISK 300,000 sa bhliain.","First Day of Summer":"An Chéad Lá den tSamhradh","Commerce Day":"Lá na Tráchtála","Christmas Eve (from 13:00)":"Oíche Nollag (ó 13:00)","New Year’s Eve (from 13:00)":"Oíche Chinn Bliana (ó 13:00)","By law 24 working days counting Saturdays (4 weeks) with 10.17% holiday pay; collective agreements usually give 24 days on a 5-day week, rising to 30 with age and service. Holidays falling on a weekend are not moved.":"De réir dlí 24 lá oibre, Satharn san áireamh (4 seachtaine), le pá saoire 10.17%; tugann comhaontuithe comhchoiteanna 24 lá de ghnáth ar sheachtain 5 lá, ag ardú go 30 le haois agus seirbhís. Ní aistrítear laethanta saoire poiblí a thiteann ag an deireadh seachtaine.","12 months in total: 6 months for each parent, 6 weeks of which can be transferred, until the child is 24 months old":"12 mhí san iomlán: 6 mhí do gach tuismitheoir, ar féidir 6 sheachtain díobh a aistriú, go dtí go mbíonn an leanbh 24 mhí d’aois","80% of average pay up to a monthly ceiling (Maternity/Paternity Leave Fund)":"80% den mheánphá suas le huasteorainn mhíosúil (Ciste Saoire Tuismitheora)","Paid by the tax authority four times a year":"Íocann an t-údarás cánach é ceithre huaire sa bhliain","Paid by the employer: 2 days per month of service, more under the collective agreements; then the union sickness fund":"Íocann an fostóir: 2 lá in aghaidh gach míosa seirbhíse, níos mó faoi na comhaontuithe comhchoiteanna; ansin ciste breoiteachta an cheardchumainn","100% of pay while the employer pays":"100% den phá chomh fada agus a íocann an fostóir","The law gives at least 1 month’s notice after 1 year of service, 2 months after 3 years and 3 months after 5 years, always to the end of a month; collective agreements set 1 week during the first 3 months and often longer notice for older workers with long service. There is no statutory severance pay.":"Tugann an dlí fógra 1 mhí ar a laghad tar éis 1 bhliain seirbhíse, 2 mhí tar éis 3 bliana agus 3 mhí tar éis 5 bliana, i gcónaí go deireadh míosa; socraíonn comhaontuithe comhchoiteanna 1 seachtain sa chéad 3 mhí agus fógra níos faide go minic d’oibrithe níos sine le seirbhís fhada. Níl aon íocaíocht iomarcaíochta reachtúil ann.","With 12 months of work in the last 12 months the Directorate of Labour pays income-related benefit of 70% of your average pay for 3 months, at most ISK 605,159 a month, and then the basic benefit of ISK 383,870 a month; with 3 to 12 months of work you get a share. From 1 July 2026 benefits last at most 24 months (30 before).":"Le 12 mhí oibre sa 12 mhí dheireanacha íocann an Stiúrthóireacht Saothair sochar bunaithe ar ioncam de 70% de do mheánphá ar feadh 3 mhí, ISK 605,159 sa mhí ar a mhéad, agus ansin an bunsochar de ISK 383,870 sa mhí; le 3 go 12 mhí oibre faigheann tú cuid de. Ó 1 Iúil 2026 maireann an sochar 24 mhí ar a mhéad (30 roimhe sin).","Saving 4% in a supplementary private pension lowers your tax and the employer adds 2%; the savings can also go tax-free towards a first home.":"Má shábhálann tú 4% i bpinsean príobháideach forlíontach laghdaítear do cháin agus cuireann an fostóir 2% leis; is féidir an coigilteas a úsáid saor ó cháin le haghaidh céad tí freisin.","Child benefit and the interest allowance depend on income and are not included. Spouses can use each other’s unused personal tax credit (not modelled).":"Braitheann sochar linbh agus an liúntas úis ar ioncam agus ní áirítear iad. Is féidir le céilí creidmheas cánach pearsanta neamhúsáidte a chéile a úsáid (ní ríomhtar é).","6 months at 80% (ceiling)":"6 mhí ag 80% (uasteorainn)","12 months shared (6 + 6)":"12 mhí roinnte (6 + 6)","100% from the employer, then sickness fund":"100% ón bhfostóir, ansin ciste breoiteachta","Monthly withholding tax for one employee with the 2026 brackets (average municipal rate) and the full personal tax credit, the 4% pension contribution and optionally 2% supplementary private pension. Union dues, child benefit, the interest allowance, transferring a spouse’s credit and the exact rules of your pension fund are not modelled.":"Cáin choinneála mhíosúil d’fhostaí amháin le banda 2026 (meánráta bardasach) agus an creidmheas cánach pearsanta iomlán, an ranníocaíocht pinsin 4% agus, más mian leat, pinsean príobháideach forlíontach 2%. Ní ríomhtar táillí ceardchumainn, sochar linbh, an liúntas úis, aistriú chreidmheas an chéile ná rialacha cruinne do chiste pinsin.","Official sources: Iceland Revenue and Customs, Skatturinn (tax brackets, personal tax credit and social security tax 2026), island.is, Social Insurance Administration TR (old-age pension and income thresholds 2026), Directorate of Labour and regulation 1489/2025 (unemployment benefit), Act 19/1979 (notice), Act 30/1987 (holidays), Central Bank of Iceland (borrower-based measures), Eurostat (inflation, price levels, life expectancy).":"Foinsí oifigiúla: Údarás Cánach agus Custaim na hÍoslainne Skatturinn (bandaí, creidmheas cánach pearsanta agus cáin slándála sóisialta 2026), island.is, Riarachán Árachais Shóisialta TR (pinsean seanaoise agus tairseacha ioncaim 2026), Stiúrthóireacht Saothair agus rialachán 1489/2025 (sochar dífhostaíochta), Acht 19/1979 (fógra), Acht 30/1987 (saoire), Banc Ceannais na hÍoslainne (bearta a bhaineann le hiasachtaithe), Eurostat (boilsciú, leibhéil praghsanna, ionchas saoil).","Monthly tax before the credit on ISK 600,000":"Cáin mhíosúil roimh an gcreidmheas ar ISK 600,000","Monthly income with no tax after the personal credit":"Ioncam míosúil gan cháin tar éis an chreidmheasa phearsanta","Yearly personal tax credit":"Creidmheas cánach pearsanta bliantúil","Full TR old-age pension (per month)":"Pinsean seanaoise TR iomlán (in aghaidh na míosa)","Maximum income-related unemployment benefit (per month)":"Uasshochar dífhostaíochta bunaithe ar ioncam (in aghaidh na míosa)","Notice after 4 years of service":"Fógra tar éis 4 bliana seirbhíse","Income tax (PAYE)":"Cáin ioncaim (PAYE)","Independent earner tax credit":"Creidmheas cánach tuillimh neamhspleách (IETC)","ACC earners’ levy 1.75%":"Tobhach ACC ar thuilleamh 1.75%","Employer KiwiSaver 3.5% (paid into your account after {p} ESCT)":"KiwiSaver an fhostóra 3.5% (íoctha isteach i do chuntas tar éis {p} ESCT)","NZ Superannuation {s} a month before tax (single, living alone: $1,294.74 a fortnight from 1 April 2026; it is not means-tested and needs {n} years of residence after age 20). KiwiSaver balance about {b}, drawn as {k} a month over your life expectancy (withdrawals are tax-free). NZ Super starts at 65 and cannot be taken earlier.":"NZ Superannuation {s} sa mhí roimh cháin (duine aonair ina chónaí leis féin: $1,294.74 in aghaidh an choicís ó 1 Aibreán 2026; gan tástáil acmhainne, le {n} bliain cónaithe tar éis 20 bliain d’aois). Iarmhéid KiwiSaver thart ar {b}, íoctha mar {k} sa mhí thar d’ionchas saoil (tá aistarraingtí saor ó cháin). Tosaíonn NZ Super ag 65 agus ní féidir é a ghlacadh níos luaithe.","ACC earners’ levy 1.75% (the ACC work levy for your industry is extra)":"Tobhach ACC ar thuilleamh 1.75% (bíonn tobhach oibre ACC d’earnála sa bhreis)","Jobseeker Support of {a} a week before tax (single, 25 or over{p}), paid as long as you qualify and reapplied for every 52 weeks; it is reduced by your partner’s income and starts after a stand-down of up to 2 weeks{r}. Shown here for 26 weeks.":"Jobseeker Support de {a} sa tseachtain roimh cháin (duine aonair, 25 bliain d’aois nó níos sine{p}), chomh fada agus a cháilíonn tú agus é a athiarraidh gach 52 seachtain; laghdaítear é de réir ioncam do pháirtí agus tosaíonn sé tar éis tréimhse feithimh suas le 2 sheachtain{r}. Taispeántar anseo é ar feadh 26 seachtain.",", sole-parent rate":", ráta tuismitheora aonair","; after resigning without good reason it can be withheld for 13 weeks":"; tar éis éirí as gan chúis mhaith is féidir é a choinneáil siar ar feadh 13 seachtaine","As set in your employment agreement (often 4 weeks; “reasonable notice” if none)":"Mar atá leagtha síos i do chomhaontú fostaíochta (4 seachtaine go minic; “fógra réasúnach” mura bhfuil aon cheann ann)","Employment Relations Act 2000":"Employment Relations Act 2000","New Zealand":"An Nua-Shéalainn","KiwiSaver contribution rate %":"Ráta ranníocaíochta KiwiSaver %","Not a member":"Ní ball","Years lived in New Zealand after age 20":"Blianta a chaith tú sa Nua-Shéalainn tar éis 20 bliain d’aois","Income tax is 10.5% up to $15,600, 17.5% up to $53,500, 30% up to $78,100, 33% up to $180,000 and 39% above, with no tax-free allowance. People earning $24,000 to $70,000 who get no benefits or Working for Families get the independent earner tax credit of up to $520 a year. The tax year runs from 1 April to 31 March.":"Is é an cháin ioncaim 10.5% suas le $15,600, 17.5% suas le $53,500, 30% suas le $78,100, 33% suas le $180,000 agus 39% os a chionn, gan liúntas saor ó cháin. Faigheann daoine a thuilleann $24,000 go $70,000 nach bhfaigheann sochair ná Working for Families an creidmheas IETC suas le $520 sa bhliain. Ritheann an bhliain chánach ó 1 Aibreán go 31 Márta.","ACC and KiwiSaver":"ACC agus KiwiSaver","Every employee pays the ACC earners’ levy for accident cover: 1.75% of pay up to $156,641 in 2026–27. KiwiSaver members contribute 3.5% of pay from 1 April 2026 (or 4%, 6%, 8% or 10%), and the employer adds 3.5% minus employer superannuation contribution tax. There is no other social security contribution.":"Íocann gach fostaí an tobhach ACC ar thuilleamh le haghaidh clúdach timpistí: 1.75% den phá suas le $156,641 in 2026–27. Ranníocann baill KiwiSaver 3.5% den phá ó 1 Aibreán 2026 (nó 4%, 6%, 8% nó 10%), agus cuireann an fostóir 3.5% leis lúide cáin ar ranníocaíochtaí fostóra (ESCT). Níl aon ranníocaíocht slándála sóisialta eile ann.","Employment agreements":"Comhaontuithe fostaíochta","There is no legal overtime rate: extra hours are paid as the employment agreement says, as long as average pay stays at least at the minimum wage ($23.95 an hour from 1 April 2026). Work on a public holiday is paid at least time and a half plus a day off in lieu if it is a normal working day.":"Níl aon ráta ragoibre dlíthiúil ann: íoctar uaireanta breise mar a deir an comhaontú fostaíochta, fad is a fhanann an meánphá ar a laghad ag an íosphá ($23.95 san uair ó 1 Aibreán 2026). Íoctar obair ar lá saoire poiblí ar a laghad ar ráta go leith móide lá saor ina ionad más gnáthlá oibre é.","No legal limit; set by the agreement":"Gan teorainn dhlíthiúil; socraithe ag an gcomhaontú","Sole traders pay income tax on their profit at the same rates as employees, usually through provisional tax, and ACC levies (the earners’ levy plus a work levy that depends on the industry). GST registration is required above $60,000 of turnover. KiwiSaver contributions are voluntary.":"Íocann trádálaithe aonair cáin ioncaim ar a mbrabús ag na rátaí céanna le fostaithe, de ghnáth trí cháin shealadach, agus tobhaigh ACC (an tobhach ar thuilleamh móide tobhach oibre a bhraitheann ar an earnáil). Tá clárú GST riachtanach os cionn láimhdeachas $60,000. Tá ranníocaíochtaí KiwiSaver deonach.","NZ Super is paid from 65 to residents who lived in New Zealand at least 10 years after age 20 (gradually rising to 20 years for people born from July 1959), regardless of past earnings or other income. From 1 April 2026 a single person living alone receives $1,294.74 a fortnight before tax ($1,110.30 after tax at the M code); it is taxed as income.":"Íoctar NZ Super ó 65 le cónaitheoirí a chónaigh sa Nua-Shéalainn ar feadh 10 mbliana ar a laghad tar éis 20 bliain d’aois (ag ardú de réir a chéile go 20 bliain dóibh siúd a rugadh ó Iúil 1959), beag beann ar thuilleamh roimhe seo nó ar ioncam eile. Ó 1 Aibreán 2026 faigheann duine aonair ina chónaí leis féin $1,294.74 in aghaidh an choicís roimh cháin ($1,110.30 tar éis cánach leis an gcód M); gearrtar cáin air mar ioncam.","KiwiSaver savings come from your contributions, the employer’s 3.5% and the government contribution of 25 cents per dollar up to $260.72 a year (not for incomes above $180,000). They can be withdrawn from 65, or earlier for a first home.":"Tagann coigilteas KiwiSaver ó do ranníocaíochtaí, ó 3.5% an fhostóra agus ó ranníocaíocht an rialtais de 25 cent in aghaidh an dollair suas le $260.72 sa bhliain (ní d’ioncam os cionn $180,000). Is féidir é a tharraingt ó 65 nó níos luaithe le haghaidh céad tí.","KiwiSaver contributions are not tax-deductible, but the government adds 25 cents for every dollar you contribute, up to $260.72 a year ({l} for you), and employer contributions are taxed at a flat ESCT rate. Withdrawals from 65 are tax-free.":"Níl ranníocaíochtaí KiwiSaver inasbhainte ó cháin, ach cuireann an rialtas 25 cent le gach dollar a ranníocann tú, suas le $260.72 sa bhliain ({l} duitse), agus gearrtar cáin ar ranníocaíochtaí fostóra ag ráta cothrom ESCT. Tá aistarraingtí ó 65 saor ó cháin.","KiwiSaver: funds are taxed inside the scheme at your prescribed investor rate (10.5%, 17.5% or 28%), and withdrawals from 65 are tax-free. Interest in a bank account is taxed at your marginal rate (30% used here).":"KiwiSaver: gearrtar cáin ar na cistí laistigh den scéim ag do ráta infheisteora forordaithe (10.5%, 17.5% nó 28%), agus tá aistarraingtí ó 65 saor ó cháin. Gearrtar cáin ar ús i gcuntas bainc ag do ráta imeallach (30% anseo).","Day after New Year’s Day":"An lá tar éis Lá Caille","Waitangi Day":"Waitangi Day","King’s Birthday":"Lá Breithe an Rí","At least 4 weeks of paid annual holidays after 12 months of work, plus 12 public holidays (holidays on a weekend move to the next working day for most of them) and a regional anniversary day, which is not shown. Sick leave is 10 days a year after 6 months.":"4 seachtaine saoire bhliantúil íoctha ar a laghad tar éis 12 mhí oibre, móide 12 lá saoire poiblí (aistrítear an chuid is mó acu go dtí an chéad lá oibre eile má thiteann siad ag an deireadh seachtaine) agus lá comórtha réigiúnach, nach dtaispeántar. Is é 10 lá sa bhliain an tsaoire bhreoiteachta tar éis 6 mhí.","Paid parental leave":"Saoire tuismitheora íoctha","Up to 26 weeks for the primary carer (can be shared), plus up to 52 weeks of unpaid extended leave":"Suas le 26 seachtain don phríomhchúramóir (is féidir í a roinnt), móide suas le 52 seachtain saoire leathnaithe gan phá","100% of average weekly earnings, at most $811.05 a week before tax (from 1 July 2026)":"100% den mheántuilleamh seachtainiúil, $811.05 sa tseachtain roimh cháin ar a mhéad (ó 1 Iúil 2026)","Partner’s leave":"Saoire páirtí","1 or 2 weeks around the birth":"1 nó 2 sheachtain timpeall na breithe","Weekly tax credits for families with children":"Creidmheasanna cánach seachtainiúla do theaghlaigh le leanaí","10 days a year after 6 months of work, carried over up to 20 days":"10 lá sa bhliain tar éis 6 mhí oibre, is féidir iad a thabhairt ar aghaidh suas le 20 lá","Made redundant or dismissed":"Iomarcach nó briste","Notice and redundancy":"Fógra agus iomarcaíocht","The law sets no minimum notice period or redundancy pay: notice follows the employment agreement (4 weeks is common) and redundancy compensation is owed only if the agreement provides it. A dismissal must follow a fair process with a genuine reason. Untaken annual holidays are paid out at 8% of gross earnings or the leave value, whichever is higher.":"Ní leagann an dlí síos aon íostréimhse fógra ná íocaíocht iomarcaíochta: leanann an fógra an comhaontú fostaíochta (4 seachtaine coitianta) agus ní dhlitear cúiteamh iomarcaíochta ach amháin má tá sé sa chomhaontú. Caithfidh dífhostú próiseas cothrom a leanúint le fíorchúis. Íoctar saoire bhliantúil nár glacadh ag 8% den tuilleamh comhlán nó ag luach na saoire, cibé acu is airde.","There is no unemployment insurance. Work and Income pays Jobseeker Support, a flat weekly benefit of $426.12 before tax for a single person aged 25 or over from 1 April 2026 ($606.69 for a sole parent), reduced by your and your partner’s other income and subject to work obligations.":"Níl aon árachas dífhostaíochta ann. Íocann Work and Income Jobseeker Support, sochar seachtainiúil cothrom de $426.12 roimh cháin do dhuine aonair 25 bliain d’aois nó níos sine ó 1 Aibreán 2026 ($606.69 do thuismitheoir aonair), laghdaithe de réir d’ioncam eile agus ioncam do pháirtí agus faoi réir oibleagáidí oibre.","Contribute at least $1,042.86 a year to KiwiSaver to receive the full government contribution of $260.72.":"Ranníoc $1,042.86 sa bhliain ar a laghad le KiwiSaver chun ranníocaíocht iomlán an rialtais de $260.72 a fháil.","Working for Families tax credits and the Best Start payment depend on family income and are not included. Each person is taxed individually.":"Braitheann creidmheasanna cánach Working for Families agus an íocaíocht Best Start ar ioncam an teaghlaigh agus ní áirítear iad. Gearrtar cáin ar gach duine ina aonar.","None by law (agreement only)":"Ceann ar bith de réir dlí (comhaontú amháin)","Per agreement":"De réir an chomhaontaithe","Flat, income-tested":"Cothrom, faoi réir ioncaim","26 weeks at 100% (up to $811.05 a week)":"26 seachtain ag 100% (suas le $811.05 sa tseachtain)","1–2 weeks unpaid":"1–2 sheachtain gan phá","Shareable within the 26 weeks":"Is féidir í a roinnt laistigh de na 26 seachtain","10 days a year at 100%":"10 lá sa bhliain ag 100%","Annual PAYE income tax, ACC earners’ levy and KiwiSaver for one employee with the 2026–27 rates. Working for Families, the student loan repayment (12% above $24,128), the secondary tax codes and the ACC work levy for the self-employed are not modelled.":"Cáin ioncaim PAYE bhliantúil, tobhach ACC agus KiwiSaver d’fhostaí amháin le rátaí 2026–27. Ní ríomhtar Working for Families, aisíocaíocht na hiasachta mac léinn (12% os cionn $24,128), na cóid chánach thánaisteacha ná tobhach oibre ACC do dhaoine féinfhostaithe.","Official sources: Inland Revenue (income tax rates, independent earner tax credit, KiwiSaver and ESCT 2026–27), ACC (earners’ levy 2026–27), Work and Income (benefit and NZ Super rates from 1 April 2026), Employment New Zealand (minimum wage, holidays, notice), Te Kāhui o Matariki Public Holiday Act 2022, Reserve Bank of New Zealand (loan-to-value and debt-to-income limits), Stats NZ (inflation), World Bank ICP (price levels).":"Foinsí oifigiúla: Inland Revenue (rátaí cánach ioncaim, IETC, KiwiSaver agus ESCT 2026–27), ACC (tobhach ar thuilleamh 2026–27), Work and Income (rátaí sochair agus NZ Super ó 1 Aibreán 2026), Employment New Zealand (íosphá, saoire, fógra), Te Kāhui o Matariki Public Holiday Act 2022, Reserve Bank of New Zealand (teorainneacha iasachta le luach agus fiach le hioncam), Stats NZ (boilsciú), An Banc Domhanda ICP (leibhéil praghsanna).","Income tax on $70,000 a year (before credits)":"Cáin ioncaim ar $70,000 sa bhliain (roimh chreidmheasanna)","Independent earner tax credit at $68,000":"Creidmheas IETC ag $68,000","Maximum ACC earners’ levy 2026–27":"Uastobhach ACC ar thuilleamh 2026–27","NZ Super, single living alone, before tax (per fortnight)":"NZ Super, duine aonair ina chónaí leis féin, roimh cháin (in aghaidh an choicís)","Maximum KiwiSaver government contribution":"Uasranníocaíocht an rialtais le KiwiSaver","Jobseeker Support, single 25+, before tax (per week)":"Jobseeker Support, duine aonair 25+, roimh cháin (in aghaidh na seachtaine)","Your pillar 3a":"Do cholún 3a","Your KiwiSaver":"Do KiwiSaver","Zurich":"Zürich","Geneva":"An Ghinéiv","Vaud":"Vaud","Bern":"Beirn","Basel-Stadt":"Basel-Stadt","Zurich has no transfer tax: notary and land registry fees (estimate, about 0.25%)":"Níl cáin aistrithe in Zürich: táillí nótaire agus clárlainne talún (meastachán, thart ar 0.25%)","Geneva transfer duty 3%":"Dleacht aistrithe na Ginéive 3%","Vaud transfer duty 2.2% plus the communal surcharge (Lausanne, 3.3% in total)":"Dleacht aistrithe Vaud 2.2% móide an forchostas pobail (Lausanne, 3.3% san iomlán)","Bern transfer tax 1.8% above the first CHF 800,000 (home you live in)":"Cáin aistrithe Bheirn 1.8% os cionn an chéad CHF 800,000 (teach ina gcónaíonn tú)","Basel-Stadt transfer tax 3%, usually half paid by the buyer (estimate)":"Cáin aistrithe Basel-Stadt 3%, leath íoctha ag an gceannaitheoir de ghnáth (meastachán)","Notary and land registry (estimate, about 0.3%)":"Nótaire agus clárlann talún (meastachán, thart ar 0.3%)","Mortgage note registration (estimate, about 0.2% of the loan)":"Clárú nóta morgáiste (meastachán, thart ar 0.2% den iasacht)","Stamp duty 0.4% (first-time buyers; 0.8% otherwise) of the assessed value, here the price":"Dleacht stampála 0.4% (ceannaitheoirí céaduaire; 0.8% ar shlí eile) den luach measúnaithe, an praghas anseo","Stamp duty 0.8% of the assessed value, here the price":"Dleacht stampála 0.8% den luach measúnaithe, an praghas anseo","Registration, loan fee and valuation (estimate)":"Clárú, táille iasachta agus luacháil (meastachán)","No stamp duty: lawyer and conveyancing (estimate)":"Gan dleacht stampála: dlíodóir agus tíolacadh (meastachán)","LIM report and building inspection (estimate)":"Tuarascáil LIM agus iniúchadh foirgnimh (meastachán)","Not modelled: mortgage interest is deductible, but the imputed rental value of the home is taxed as income (its abolition, approved in 2025, is not yet in force).":"Ní ríomhtar é: tá ús morgáiste inasbhainte, ach gearrtar cáin ar luach cíosa an tí mar ioncam (níl a dhíothú, a ceadaíodh in 2025, i bhfeidhm fós).","Not modelled: the income-tested interest allowance (vaxtabætur) refunds part of the interest for lower incomes and modest wealth.":"Ní ríomhtar é: aisíocann an liúntas úis atá faoi réir ioncaim (vaxtabætur) cuid den ús d’ioncaim níos ísle le rachmas measartha.","No relief for a home you live in.":"Gan faoiseamh don teach ina gcónaíonn tú.","Bank self-regulation recognised by FINMA: at least 20% own funds (10% not from the pension fund), the mortgage reduced to two thirds of the value within 15 years, and housing costs at an imputed 5% interest rate plus 1% upkeep and amortisation at most about one third of gross income.":"Féinrialáil bhanc aitheanta ag FINMA: 20% cistí féin ar a laghad (10% nach dtagann ón gciste pinsin), an morgáiste laghdaithe go dhá thrian den luach laistigh de 15 bliana, agus costais tithíochta ag ráta úis tuairimiúil 5% móide 1% cothabháil agus amúchadh thart ar aon trian den ioncam comhlán ar a mhéad.","Central Bank of Iceland: loans at most 80% of the value (85% for first-time buyers) and debt service at most 35% of disposable income (40% for first-time buyers), calculated at a minimum interest rate.":"Banc Ceannais na hÍoslainne: iasachtaí 80% den luach ar a mhéad (85% do cheannaitheoirí céaduaire) agus seirbhísiú fiachais 35% den ioncam indiúscartha ar a mhéad (40% do cheannaitheoirí céaduaire), ríofa ag íosráta úis.","Reserve Bank of New Zealand: banks may make at most 20% of owner-occupier loans above 80% of the value, and at most 20% of them to borrowers whose total debt exceeds 6 times gross income.":"Reserve Bank of New Zealand: ní féidir le bainc ach 20% ar a mhéad d’iasachtaí úinéirí-áitritheoirí a thabhairt os cionn 80% den luach, agus 20% ar a mhéad d’iasachtaithe a bhfuil a bhfiach iomlán níos mó ná 6 huaire a n-ioncam comhlán.","Public holidays on weekdays in 2026 (Zurich)":"Laethanta saoire poiblí ar laethanta seachtaine in 2026 (Zürich)","Official public holidays on weekdays in 2026":"Laethanta saoire poiblí oifigiúla ar laethanta seachtaine in 2026","Public holidays on weekdays in 2026 (with Mondayisation)":"Laethanta saoire poiblí ar laethanta seachtaine in 2026 (aistrithe go dtí an Luan)","Geneva transfer duty on a CHF 1,000,000 home":"Dleacht aistrithe na Ginéive ar theach CHF 1,000,000","Stamp duty on an ISK 80,000,000 home (not a first purchase)":"Dleacht stampála ar theach ISK 80,000,000 (ní céad cheannach)","The AHV pension uses your average pay in today’s money (the official revaluation factors are not applied) and the BVG part uses the legal minimum age credits and 1.25% interest; many pension funds insure more. Your official statements come from your AHV compensation office and your pension fund.":"Úsáideann an pinsean AHV do mheánphá in airgead an lae inniu (gan na fachtóirí athluachála oifigiúla) agus úsáideann an chuid BVG na híoschreidmheasanna aoise dlíthiúla le hús 1.25%; árachaíonn go leor cistí pinsin níos mó. Tagann do ráitis oifigiúla ó d’oifig chúitimh AHV agus ó do chiste pinsin.","The pension-fund pension is estimated at about 1.8% of pay per contribution year; each fund has its own tables and your annual statement shows your accrued rights. The TR household supplement is not included.":"Meastar an pinsean ciste ag thart ar 1.8% den phá in aghaidh gach bliana ranníocaíochta; tá a táblaí féin ag gach ciste agus taispeánann do ráiteas bliantúil do chearta fabhraithe. Ní áirítear forlíonadh teaghlaigh TR.","KiwiSaver is projected with a 3% real return and drawn down evenly over your life expectancy; actual returns depend on your fund. NZ Super is shown at the rate for a single person living alone.":"Réamh-mheastar KiwiSaver le toradh réadach 3% agus tarraingítear anuas go cothrom é thar d’ionchas saoil; braitheann an toradh iarbhír ar do chiste. Taispeántar NZ Super ag an ráta do dhuine aonair ina chónaí leis féin.","The number of daily allowances assumes your years of service are also your contribution years; waiting days and suspensions are not deducted.":"Glacann líon na liúntas laethúil leis gur blianta ranníocaíochta iad do bhlianta seirbhíse freisin; ní bhaintear laethanta feithimh ná fionraí.","Jobseeker Support is shown for 26 weeks before tax; it is income-tested, so your partner’s income can reduce or remove it.":"Taispeántar Jobseeker Support ar feadh 26 seachtain roimh cháin; tá sé faoi réir ioncaim, mar sin is féidir le hioncam do pháirtí é a laghdú nó a bhaint.","CPF employee contribution {p} (wages up to $8,000 a month)":"Ranníocaíocht CPF fostaí {p} (pá suas le $8,000 sa mhí)","Income tax (resident rates)":"Cáin ioncaim (rátaí cónaitheoirí)","Personal reliefs (CPF, earned income, children)":"Faoisimh phearsanta (CPF, ioncam tuillte, leanaí)","Employer CPF {p} and Skills Development Levy":"CPF an fhostóra {p} agus Skills Development Levy","Skills Development Levy (employer)":"Skills Development Levy (fostóir)","CPF LIFE payout {p} a month from {a} (Standard Plan): your Retirement Account at 55 of about {r} (savings set aside up to the Full Retirement Sum of $220,400). The CPF Board estimates about $950 a month with the Basic Retirement Sum and $1,780 with the Full. Payouts start at 65 and rise for each year you defer them, up to 70. Savings used for housing are not in the account.":"Íocaíocht CPF LIFE {p} sa mhí ó {a} (Standard Plan): do Retirement Account ag 55 de thart ar {r} (coigilteas curtha i leataobh suas leis an Full Retirement Sum de $220,400). Measann an CPF thart ar $950 sa mhí leis an Basic Retirement Sum agus $1,780 leis an Full. Tosaíonn íocaíochtaí ag 65 agus ardaíonn siad do gach bliain a chuireann tú siar iad, suas go 70. Níl coigilteas a úsáideadh le haghaidh tithíochta sa chuntas.","MediSave contribution for the self-employed (up to 10.5% of net trade income)":"Ranníocaíocht MediSave do dhaoine féinfhostaithe (suas le 10.5% den ioncam trádála glan)","1 day":"1 lá","Retrenchment benefit (customary 2 weeks’ pay per year of service; not taxed)":"Sochar iomarcaíochta (2 sheachtain pá in aghaidh na bliana seirbhíse de ghnáth; gan cháin)","SkillsFuture Jobseeker Support: up to $6,000 over 6 months for involuntarily unemployed residents who earned up to $5,000 a month, paid while you take part in job search and training activities":"SkillsFuture Jobseeker Support: suas le $6,000 thar 6 mhí do chónaitheoirí dífhostaithe go neamhdheonach a thuill suas le $5,000 sa mhí, íoctha fad is a ghlacann tú páirt i gcuardach poist agus i ngníomhaíochtaí oiliúna","Employment Act s. 10 (unless the contract says otherwise)":"Employment Act alt 10 (mura ndeir an conradh a mhalairt)","Chinese New Year":"Athbhliain na Síne","Chinese New Year (2nd day)":"Athbhliain na Síne (2ú lá)","Vesak Day":"Lá Vesak","Singapore":"Singeapór","Singapore citizen or permanent resident (pays CPF)":"Saoránach nó buanchónaitheoir Shingeapór (íocann CPF)","Tax residents pay progressive rates from 0% on the first $20,000 of chargeable income to 24% above $1 million. Reliefs are deducted first: your CPF contributions, the earned income relief ($1,000 under 55) and $4,000 for each qualifying child, up to $80,000 in total. Tax is paid once a year on the previous year’s income; it is not withheld from pay.":"Íocann cónaitheoirí cánach rátaí forchéimnitheacha ó 0% ar an gcéad $20,000 d’ioncam inmhuirearaithe go 24% os cionn $1 milliún. Baintear na faoisimh ar dtús: do ranníocaíochtaí CPF, an faoiseamh ioncaim thuillte ($1,000 faoi 55) agus $4,000 do gach leanbh cáilitheach, suas le $80,000 san iomlán. Íoctar an cháin uair sa bhliain ar ioncam na bliana roimhe; ní choinnítear siar ón bpá í.","Citizens and permanent residents pay 20% of wages into the Central Provident Fund and employers 17% (up to age 55; lower rates after), on wages up to $8,000 a month from 2026 and $102,000 a year including bonuses. The money goes to the Ordinary, Special/Retirement and MediSave accounts for housing, retirement and health care. Foreigners pay no CPF.":"Íocann saoránaigh agus buanchónaitheoirí 20% den phá isteach sa Central Provident Fund agus fostóirí 17% (suas go 55; rátaí níos ísle ina dhiaidh sin), ar phá suas le $8,000 sa mhí ó 2026 agus $102,000 sa bhliain bónais san áireamh. Téann an t-airgead chuig na cuntais Ordinary, Special/Retirement agus MediSave le haghaidh tithíochta, scoir agus cúram sláinte. Ní íocann eachtrannaigh CPF.","Employment Act Part IV":"Employment Act Cuid IV","Workmen earning up to $4,500 a month and other employees earning up to $2,600 must be paid at least 1.5 times the hourly basic rate for overtime, and double pay for work on a rest day at the employer’s request. Overtime is limited to 72 hours a month and 12 working hours a day. Higher earners follow their contract.":"Caithfear 1.5 uair ar a laghad den bhunráta in aghaidh na huaire a íoc as ragobair le hoibrithe a thuilleann suas le $4,500 sa mhí agus le fostaithe eile a thuilleann suas le $2,600, agus pá dúbailte as obair ar lá scíthe ar iarratas an fhostóra. Tá ragobair teoranta do 72 uair sa mhí agus 12 uair oibre sa lá. Leanann daoine a thuilleann níos mó a gconradh.","72 h / month, 12 h / day":"72 u / mí, 12 u / lá","Self-employed people earning more than $6,000 of net trade income a year must pay MediSave contributions (up to 10.5% by age, on income up to $96,000) and pay income tax at the resident rates. Paying into the CPF Ordinary and Special accounts is voluntary. GST registration is required above $1 million of turnover.":"Caithfidh daoine féinfhostaithe a thuilleann níos mó ná $6,000 d’ioncam trádála glan sa bhliain ranníocaíochtaí MediSave a íoc (suas le 10.5% de réir aoise, ar ioncam suas le $96,000) agus cáin ioncaim ag rátaí cónaitheoirí. Tá íocaíochtaí isteach i gcuntais CPF Ordinary agus Special deonach. Tá clárú GST riachtanach os cionn láimhdeachas $1 milliún.","At 55 your CPF savings form a Retirement Account (in 2026 the Basic Retirement Sum is $110,200, the Full $220,400 and the Enhanced $440,800). From 65 CPF LIFE pays a monthly income for life: the CPF Board estimates about $950 with the Basic, $1,780 with the Full and $3,440 with the Enhanced Retirement Sum (Standard Plan); starting later, up to 70, raises the payout. There is no other state pension.":"Ag 55 cruthaíonn do choigilteas CPF Retirement Account (in 2026 is é $110,200 an Basic Retirement Sum, $220,400 an Full agus $440,800 an Enhanced). Ó 65 íocann CPF LIFE ioncam míosúil ar feadh do shaoil: measann an CPF thart ar $950 leis an Basic, $1,780 leis an Full agus $3,440 leis an Enhanced Retirement Sum (Standard Plan); ardaíonn tosú níos déanaí, suas go 70, an íocaíocht. Níl aon phinsean stáit eile ann.","From 1 July 2026 employers may not make workers retire before 64 and must offer re-employment up to 69 to eligible workers.":"Ó 1 Iúil 2026 ní féidir le fostóirí oibrithe a scor roimh 64 agus caithfidh siad athfhostú suas go 69 a thairiscint d’oibrithe incháilithe.","Supplementary Retirement Scheme (SRS) contributions are deductible up to $15,300 a year for citizens and permanent residents ($35,700 for foreigners). Withdrawals from the statutory retirement age are 50% taxable; topping up your own CPF Retirement Account also gives up to $8,000 of tax relief.":"Tá ranníocaíochtaí leis an Supplementary Retirement Scheme (SRS) inasbhainte suas le $15,300 sa bhliain do shaoránaigh agus buanchónaitheoirí ($35,700 d’eachtrannaigh). Tá aistarraingtí ón aois scoir reachtúil inchánach 50%; tugann barr suas ar do Retirement Account CPF féin faoiseamh cánach suas le $8,000 freisin.","Supplementary Retirement Scheme (SRS): contributions are tax-deductible and only half of each withdrawal from the statutory retirement age is taxed (about 5% used here). Interest from Singapore banks is tax-free for individuals.":"Supplementary Retirement Scheme (SRS): tá ranníocaíochtaí inasbhainte ó cháin agus ní ghearrtar cáin ach ar leath gach aistarraingthe ón aois scoir reachtúil (thart ar 5% anseo). Tá ús ó bhainc Shingeapór saor ó cháin do dhaoine aonair.","{h} (day in lieu)":"{h} (lá ina ionad)","Employees covered by the Employment Act get 7 days of paid annual leave in the first year, rising by 1 day a year to 14 days from the 8th year, plus 11 public holidays (a holiday on a Sunday moves to Monday). Lunar holidays are shown for the years the Ministry of Manpower has published.":"Faigheann fostaithe atá clúdaithe ag an Employment Act 7 lá saoire bhliantúil íoctha sa chéad bhliain, ag ardú 1 lá sa bhliain go 14 lá ón 8ú bliain, móide 11 lá saoire poiblí (aistrítear lá saoire ar an Domhnach go dtí an Luan). Taispeántar laethanta saoire gealaí do na blianta atá foilsithe ag an Aireacht Daonchumhachta.","16 weeks (citizen child)":"16 seachtaine (leanbh ina shaoránach)","Full pay, government-paid up to $10,000 per 4 weeks":"Pá iomlán, íoctha ag an rialtas suas le $10,000 in aghaidh gach 4 seachtaine","Full pay, government-paid up to $2,500 a week":"Pá iomlán, íoctha ag an rialtas suas le $2,500 sa tseachtain","10 weeks to share for children born from 1 April 2026":"10 seachtaine le roinnt do leanaí a rugadh ó 1 Aibreán 2026","14 days outpatient and 60 days in hospital a year (after 6 months of service)":"14 lá othar seachtrach agus 60 lá san ospidéal sa bhliain (tar éis 6 mhí seirbhíse)","Retrenched or dismissed":"Iomarcach nó briste","Notice and retrenchment":"Fógra agus iomarcaíocht","Unless the contract sets otherwise, notice is 1 day under 26 weeks of service, 1 week up to 2 years, 2 weeks up to 5 years and 4 weeks after. The law sets no retrenchment benefit; under the tripartite guidelines employees with at least 2 years of service usually receive 2 weeks to 1 month of pay per year of service.":"Mura socraíonn an conradh a mhalairt, is é an fógra 1 lá faoi 26 seachtain seirbhíse, 1 seachtain suas le 2 bhliain, 2 sheachtain suas le 5 bliana agus 4 seachtaine ina dhiaidh sin. Ní leagann an dlí síos aon sochar iomarcaíochta; faoi na treoirlínte trípháirteacha faigheann fostaithe a bhfuil 2 bhliain seirbhíse acu ar a laghad 2 sheachtain go 1 mhí pá in aghaidh na bliana seirbhíse de ghnáth.","Jobseeker support":"Tacaíocht do lucht cuardaigh poist","There is no unemployment insurance. Since April 2025 the SkillsFuture Jobseeker Support scheme pays involuntarily unemployed citizens and permanent residents who earned up to $5,000 a month up to $6,000 over 6 months, linked to job search and training activities.":"Níl aon árachas dífhostaíochta ann. Ó Aibreán 2025 íocann scéim SkillsFuture Jobseeker Support suas le $6,000 thar 6 mhí le saoránaigh agus buanchónaitheoirí dífhostaithe go neamhdheonach a thuill suas le $5,000 sa mhí, nasctha le cuardach poist agus le hoiliúint.","Topping up your own CPF Retirement Account in cash gives up to $8,000 of tax relief a year and raises your CPF LIFE payouts.":"Tugann barr suas airgid ar do Retirement Account CPF féin suas le $8,000 faoisimh cánach sa bhliain agus ardaíonn sé d’íocaíochtaí CPF LIFE.","The Baby Bonus, the Child Development Account and other family grants are not included. The qualifying child relief of $4,000 per child is applied to the parent claiming it.":"Ní áirítear an Baby Bonus, an Child Development Account ná deontais teaghlaigh eile. Cuirtear an faoiseamh linbh cáilitheach de $4,000 in aghaidh an linbh i bhfeidhm ar an tuismitheoir a éilíonn é.","Customary 2 weeks–1 month per year (not statutory)":"2 sheachtain–1 mhí in aghaidh na bliana de ghnáth (ní reachtúil)","Up to $6,000 over 6 months":"Suas le $6,000 thar 6 mhí","16 weeks at full pay":"16 seachtaine ar phá iomlán","4 weeks at full pay":"4 seachtaine ar phá iomlán","10 weeks shared (from April 2026)":"10 seachtaine roinnte (ó Aibreán 2026)","14 days outpatient at 100%":"14 lá othar seachtrach ag 100%","Annual CPF and resident income tax for one employee with the 2026 CPF rates and the YA 2027 tax rates, with the CPF, earned income and child reliefs only. Income tax rebates announced in a Budget, other reliefs, non-resident rates, bonuses above the annual wage ceiling and the CPF rates for the first two years of permanent residence are not modelled.":"CPF bliantúil agus cáin ioncaim chónaitheora d’fhostaí amháin le rátaí CPF 2026 agus rátaí cánach YA 2027, leis na faoisimh CPF, ioncaim thuillte agus linbh amháin. Ní ríomhtar lacáistí cánach a fógraíodh i mBuiséad, faoisimh eile, rátaí neamhchónaitheoirí, bónais os cionn na huasteorann pá bliantúla ná rátaí CPF na chéad dá bhliain de bhuanchónaí.","Official sources: Inland Revenue Authority of Singapore (resident tax rates, reliefs, SRS), CPF Board (contribution rates and wage ceilings 2026, retirement sums and CPF LIFE payout estimates), Ministry of Manpower (Employment Act, public holidays 2026, retirement and re-employment ages, leave schemes), Workforce Singapore (SkillsFuture Jobseeker Support), Monetary Authority of Singapore (loan-to-value and TDSR rules), Singapore Department of Statistics (inflation, life expectancy), World Bank ICP (price levels).":"Foinsí oifigiúla: Inland Revenue Authority of Singapore (rátaí cónaitheoirí, faoisimh, SRS), CPF Board (rátaí ranníocaíochta agus uasteorainneacha pá 2026, retirement sums agus meastacháin CPF LIFE), An Aireacht Daonchumhachta (Employment Act, laethanta saoire poiblí 2026, aoiseanna scoir agus athfhostaithe, scéimeanna saoire), Workforce Singapore (SkillsFuture Jobseeker Support), Monetary Authority of Singapore (rialacha iasachta le luach agus TDSR), Roinn Staidrimh Shingeapór (boilsciú, ionchas saoil), An Banc Domhanda ICP (leibhéil praghsanna).","Resident income tax on $80,000 of chargeable income":"Cáin ioncaim chónaitheora ar $80,000 d’ioncam inmhuirearaithe","Resident income tax on $320,000 of chargeable income":"Cáin ioncaim chónaitheora ar $320,000 d’ioncam inmhuirearaithe","Maximum monthly employee CPF (age 55 and below)":"Uas-CPF míosúil fostaí (55 bliain d’aois agus faoi)","Employer CPF rate, age above 55 to 60":"Ráta CPF an fhostóra, os cionn 55 go 60","CPF LIFE payout with the Full Retirement Sum (per month)":"Íocaíocht CPF LIFE leis an Full Retirement Sum (in aghaidh na míosa)","SRS contribution cap for citizens and permanent residents":"Uasteorainn ranníocaíochta SRS do shaoránaigh agus buanchónaitheoirí","Notice after 3 years of service (weeks)":"Fógra tar éis 3 bliana seirbhíse (seachtainí)","Retirement fund {p} (tax-deductible)":"Ciste scoir {p} (inasbhainte)","Unemployment Insurance Fund (UIF) 1%":"Ciste Árachais Dífhostaíochta (UIF) 1%","Income tax (PAYE) after the rebate":"Cáin ioncaim (PAYE) tar éis an lacáiste","Tax rebate (age {a})":"Lacáiste cánach (aois {a})","Employer UIF 1%, Skills Development Levy 1% and retirement fund (same as yours)":"UIF an fhostóra 1%, Skills Development Levy 1% agus ciste scoir (mar an gcéanna le do chuidse)","Retirement fund annuity {a} a month from savings of about {b} (your and your employer’s contributions of {p} each, 3% real return){g}. South Africa has no contributory state pension; the Older Person’s Grant is means-tested.":"Blianacht ciste scoir {a} sa mhí ó choigilteas de thart ar {b} (do ranníocaíochtaí féin agus ranníocaíochtaí d’fhostóra de {p} an ceann, toradh réadach 3%){g}. Níl aon phinsean stáit ranníocach ag an Afraic Theas; tá an Older Person’s Grant faoi réir tástála acmhainne.",", plus the Older Person’s Grant of {o}":", móide an Older Person’s Grant de {o}","No UIF for the self-employed":"Gan UIF do dhaoine féinfhostaithe","Severance pay (1 week per completed year of service; first R550,000 tax-free)":"Pá iomarcaíochta (1 seachtain in aghaidh gach bliana seirbhíse iomláine; an chéad R550,000 saor ó cháin)","UIF benefit of about {a} a day ({p} of your daily pay) for {n} days (1 day for every 4 days worked, at most 365; after 238 days the rate drops to 20%)":"Sochar UIF de thart ar {a} sa lá ({p} de do phá laethúil) ar feadh {n} lá (1 lá do gach 4 lá oibre, 365 ar a mhéad; tar éis 238 lá titeann an ráta go 20%)","Basic Conditions of Employment Act s. 37":"Basic Conditions of Employment Act alt 37","South Africa":"An Afraic Theas","Retirement fund contribution % (pension or provident fund)":"Ranníocaíocht ciste scoir % (pension nó provident fund)","Include the Older Person’s Grant (means-tested)":"Cuir an Older Person’s Grant san áireamh (faoi réir tástála acmhainne)","Taxable income is taxed at 18% up to R245,100, rising through 26%, 31%, 36%, 39% and 41% to 45% above R1,878,600; the brackets and rebates were raised for inflation in the 2026 Budget. Everyone gets a primary rebate of R17,820 (more from 65 and 75), so income up to R99,000 is tax-free. Retirement fund contributions are deductible up to 27.5% of income, at most R350,000 a year.":"Gearrtar cáin ar ioncam inchánach ag 18% suas le R245,100, ag ardú trí 26%, 31%, 36%, 39% agus 41% go 45% os cionn R1,878,600; ardaíodh na bandaí agus na lacáistí de réir an bhoilscithe i mBuiséad 2026. Faigheann gach duine príomhlacáiste de R17,820 (níos mó ó 65 agus 75), mar sin tá ioncam suas le R99,000 saor ó cháin. Tá ranníocaíochtaí le cistí scoir inasbhainte suas le 27.5% den ioncam, R350,000 sa bhliain ar a mhéad.","UIF and levies":"UIF agus tobhaigh","Employees and employers each pay 1% to the Unemployment Insurance Fund on pay up to R17,712 a month; employers also pay the 1% Skills Development Levy. There is no state pension contribution: many employers run a pension or provident fund (often 7.5% each), which is assumed here.":"Íocann fostaithe agus fostóirí 1% an duine leis an gCiste Árachais Dífhostaíochta ar phá suas le R17,712 sa mhí; íocann fostóirí an Skills Development Levy 1% freisin. Níl aon ranníocaíocht pinsin stáit ann: bíonn ciste pinsin nó provident fund ag go leor fostóirí (7.5% an duine go minic), rud a nglactar leis anseo.","Basic Conditions of Employment Act":"Basic Conditions of Employment Act","For employees earning below the BCEA earnings threshold, overtime is paid at 1.5 times the normal wage and limited to 10 hours a week (normal hours at most 45 a week). Work on a Sunday is paid double (1.5 times if you normally work Sundays) and work on a public holiday double.":"D’fhostaithe faoi thairseach tuillimh an BCEA, íoctar ragobair ag 1.5 uair an ghnáthphá agus tá sí teoranta do 10 n-uaire sa tseachtain (gnáthuaireanta 45 sa tseachtain ar a mhéad). Íoctar obair Domhnaigh faoi dhó (1.5 uair má oibríonn tú Domhnaigh de ghnáth) agus obair ar lá saoire poiblí faoi dhó.","10 h / week (45-hour normal week)":"10 u / seachtain (gnáthsheachtain 45 uair)","Sole proprietors pay income tax on their profit (through provisional tax twice a year) with the same rates and rebates, and do not contribute to UIF. A small business with turnover up to R1 million can choose turnover tax instead (not modelled). VAT registration is required above R2.3 million of taxable supplies.":"Íocann úinéirí aonair cáin ioncaim ar a mbrabús (trí cháin shealadach faoi dhó sa bhliain) leis na rátaí agus lacáistí céanna agus ní ranníocann siad le UIF. Is féidir le gnó beag le láimhdeachas suas le R1 milliún cáin láimhdeachais a roghnú ina ionad (ní ríomhtar é). Tá clárú CBL riachtanach os cionn R2.3 milliún de sholáthairtí inchánach.","Retirement funds":"Cistí scoir","Retirement income comes mainly from employer pension and provident funds and retirement annuities. Since the two-pot system (September 2024) a third of new contributions goes to a savings pot that can be withdrawn early and two thirds to a retirement pot that must buy an annuity at retirement (usually 55 to 65).":"Tagann ioncam scoir go príomha ó chistí pinsin agus provident funds fostóirí agus ó bhlianachtaí scoir. Ón gcóras dhá phota (Meán Fómhair 2024) téann trian de na ranníocaíochtaí nua chuig pota coigiltis ar féidir é a tharraingt go luath agus dhá thrian chuig pota scoir a chaithfidh blianacht a cheannach ag am scoir (idir 55 agus 65 de ghnáth).","Older Person’s Grant":"Older Person’s Grant","From 60, SASSA pays a means-tested grant of up to R2,400 a month (R2,420 from 75) from April 2026 to people whose income and assets are below set limits.":"Ó 60, íocann SASSA deontas faoi réir tástála acmhainne suas le R2,400 sa mhí (R2,420 ó 75) ó Aibreán 2026 le daoine a bhfuil a n-ioncam agus a sócmhainní faoi theorainneacha socraithe.","Retirement annuity and fund contributions are deductible up to 27.5% of income, at most R350,000 a year ({l} for you), including your employer’s contributions. A tax-free savings account gives no deduction but tax-free growth.":"Tá ranníocaíochtaí le blianachtaí scoir agus cistí inasbhainte suas le 27.5% den ioncam, R350,000 sa bhliain ar a mhéad ({l} duitse), ranníocaíochtaí d’fhostóra san áireamh. Ní thugann cuntas coigiltis saor ó cháin aon asbhaint ach fás saor ó cháin.","Retirement annuity (RA): contributions are deductible and growth is tax-free; at retirement up to a third of the retirement pot can be taken in cash and the rest buys a taxable annuity (about 20% tax used here). Interest above the yearly exemption is taxed at your marginal rate.":"Blianacht scoir (RA): tá ranníocaíochtaí inasbhainte agus tá an fás saor ó cháin; ag am scoir is féidir suas le trian den phota scoir a ghlacadh mar airgead tirim agus ceannaíonn an chuid eile blianacht inchánach (thart ar 20% cáin anseo). Gearrtar cáin ar ús os cionn na díolúine bliantúla ag do ráta imeallach.","Human Rights Day":"Lá Chearta an Duine","Workers’ Day":"Lá na nOibrithe","Youth Day":"Lá na hÓige","National Women’s Day":"Lá Náisiúnta na mBan","Day of Reconciliation":"Lá an Athmhuintearais","Day of Goodwill":"Lá na Dea-Thola","{h} (observed)":"{h} (comóradh)","The BCEA gives 21 consecutive days of annual leave a year (15 working days on a 5-day week), plus 12 public holidays; a holiday on a Sunday moves to Monday. Sick leave is 30 days over each 3-year cycle and family responsibility leave 3 days a year.":"Tugann an BCEA 21 lá as a chéile de shaoire bhliantúil sa bhliain (15 lá oibre ar sheachtain 5 lá), móide 12 lá saoire poiblí; aistrítear lá saoire ar an Domhnach go dtí an Luan. Is é 30 lá in aghaidh gach timthrialla 3 bliana an tsaoire bhreoiteachta agus 3 lá sa bhliain an tsaoire freagrachta teaghlaigh.","4 consecutive months":"4 mhí as a chéile","Unpaid by the employer; UIF pays up to 66% of pay (sliding scale)":"Gan phá ón bhfostóir; íocann UIF suas le 66% den phá (scála sleamhnáin)","10 consecutive days for the other parent (the rules are being changed after a 2025 court ruling)":"10 lá as a chéile don tuismitheoir eile (tá na rialacha á n-athrú tar éis rialú cúirte in 2025)","UIF benefit (sliding scale)":"Sochar UIF (scála sleamhnáin)","Child Support Grant":"Child Support Grant","Monthly per child, from SASSA":"Míosúil in aghaidh an linbh, ó SASSA","Means-tested, not included here":"Faoi réir tástála acmhainne, ní áirítear anseo","30 days in each 3-year cycle (5-day week)":"30 lá in aghaidh gach timthrialla 3 bliana (seachtain 5 lá)","Retrenched (operational requirements)":"Iomarcach (riachtanais oibríochta)","Dismissed for misconduct or incapacity":"Briste mar gheall ar mhí-iompar nó éagumas","Notice is 1 week in the first 6 months, 2 weeks up to 1 year and 4 weeks after (it can be paid instead of worked). An employee dismissed for operational requirements (retrenchment) is owed severance pay of at least 1 week’s pay for each completed year of service. The first R550,000 of severance benefits over your lifetime is tax-free.":"Is é an fógra 1 seachtain sa chéad 6 mhí, 2 sheachtain suas le 1 bhliain agus 4 seachtaine ina dhiaidh sin (is féidir é a íoc in ionad é a oibriú). Tá fostaí a bhristear ar chúiseanna oibríochta (iomarcaíocht) i dteideal pá iomarcaíochta de phá 1 seachtaine ar a laghad do gach bliain seirbhíse iomlán. Tá an chéad R550,000 de shochair iomarcaíochta thar do shaol saor ó cháin.","UIF benefits":"Sochair UIF","Contributors who lose their job (not by resigning) get 38% to 60% of their daily pay, on pay up to R17,712 a month, with 1 day of benefit for every 4 days worked, at most 365 days in 4 years; after 238 days the rate drops to 20%.":"Faigheann ranníocóirí a chailleann a bpost (ní trí éirí as) 38% go 60% dá bpá laethúil, ar phá suas le R17,712 sa mhí, le 1 lá sochair do gach 4 lá oibre, 365 lá ar a mhéad i 4 bliana; tar éis 238 lá titeann an ráta go 20%.","Retirement annuity contributions lower your tax at your marginal rate, up to 27.5% of your income.":"Laghdaíonn ranníocaíochtaí blianachta scoir do cháin ag do ráta imeallach, suas le 27.5% d’ioncam.","The Child Support Grant is means-tested and not included. Medical scheme tax credits are not modelled. Each person is taxed individually.":"Tá an Child Support Grant faoi réir tástála acmhainne agus ní áirítear í. Ní ríomhtar creidmheasanna cánach scéimeanna leighis. Gearrtar cáin ar gach duine ina aonar.","1 week per year of service":"1 seachtain in aghaidh na bliana seirbhíse","4 months, UIF up to 66%":"4 mhí, UIF suas le 66%","10 days (UIF)":"10 lá (UIF)","Being reformed after a 2025 ruling":"Á hathchóiriú tar éis rialú in 2025","30 days per 3 years at 100%":"30 lá in aghaidh 3 bliana ag 100%","Annual PAYE, UIF and an assumed retirement fund contribution for one employee with the 2026–27 SARS tables and rebates. Medical scheme fees and credits, travel allowances, the turnover tax and the two-pot savings withdrawals are not modelled.":"PAYE bliantúil, UIF agus ranníocaíocht ciste scoir glactha d’fhostaí amháin le táblaí agus lacáistí SARS 2026–27. Ní ríomhtar táillí agus creidmheasanna scéimeanna leighis, liúntais taistil, an cháin láimhdeachais ná aistarraingtí an phota coigiltis.","Official sources: South African Revenue Service (rates of tax for individuals 2027, rebates, transfer duty, retirement lump-sum tables), Department of Employment and Labour (Basic Conditions of Employment Act, Unemployment Insurance Act and UIF), SASSA (grant amounts April 2026), National Treasury (Budget 2026), Statistics South Africa (inflation), World Bank ICP (price levels), UN World Population Prospects (life expectancy).":"Foinsí oifigiúla: South African Revenue Service (rátaí cánach do dhaoine aonair 2027, lacáistí, dleacht aistrithe, táblaí cnapshuimeanna scoir), An Roinn Fostaíochta agus Saothair (Basic Conditions of Employment Act, Unemployment Insurance Act agus UIF), SASSA (méideanna deontais Aibreán 2026), National Treasury (Buiséad 2026), Statistics South Africa (boilsciú), An Banc Domhanda ICP (leibhéil praghsanna), NA World Population Prospects (ionchas saoil).","Tax before rebates on R400,000 of taxable income":"Cáin roimh lacáistí ar R400,000 d’ioncam inchánach","Tax threshold below 65 (no tax up to)":"Tairseach cánach faoi 65 (gan cháin suas le)","Maximum monthly employee UIF contribution":"Uasranníocaíocht mhíosúil UIF fostaí","UIF benefit rate at the earnings ceiling":"Ráta sochair UIF ag uasteorainn an tuillimh","Tax on a R700,000 severance benefit":"Cáin ar shochar iomarcaíochta R700,000","CNSS social benefits 4.48% (pay up to MAD 6,000 a month)":"Sochair shóisialta CNSS 4.48% (pá suas le MAD 6,000 sa mhí)","Loss-of-job allowance (IPE) 0.19%":"Liúntas caillteanais poist (IPE) 0.19%","Compulsory health insurance (AMO) 2.26%":"Árachas sláinte éigeantach (AMO) 2.26%","Income tax (IR) after professional expenses and family charges":"Cáin ioncaim (IR) tar éis costas gairmiúil agus muirear teaghlaigh","Professional expenses deducted (35% or 25%, at most MAD 35,000)":"Costais ghairmiúla asbhainte (35% nó 25%, MAD 35,000 ar a mhéad)","Employer CNSS 8.98%, IPE 0.38%, AMO 4.11%, family allowances 6.4% and vocational training 1.6%":"CNSS an fhostóra 8.98%, IPE 0.38%, AMO 4.11%, liúntais teaghlaigh 6.4% agus gairmoiliúint 1.6%","CNSS old-age pension {g} a month: {p} of your average pay over the last 8 years, counted up to MAD 6,000 a month ({d} contribution days; 3,240 days give 50%, each extra 216 days add 1%, up to 70%). Pay above MAD 6,000 is not insured; many employers add a supplementary pension (CIMR). Estimate.":"Pinsean seanaoise CNSS {g} sa mhí: {p} de do mheánphá thar na 8 mbliana dheireanacha, áirithe suas le MAD 6,000 sa mhí ({d} lá ranníocaíochta; tugann 3,240 lá 50%, cuireann gach 216 lá breise 1% leis, suas le 70%). Níl pá os cionn MAD 6,000 árachaithe; cuireann go leor fostóirí pinsean forlíontach (CIMR) leis. Meastachán.","Health insurance for the self-employed (AMO-TNS) not included":"Árachas sláinte do dhaoine féinfhostaithe (AMO-TNS) ní áirítear","8 days":"8 lá","Dismissal indemnity (Labour Code art. 53; tax-free within the legal limits)":"Slánaíocht dífhostaithe (Cód Saothair alt 53; saor ó cháin laistigh de na teorainneacha dlíthiúla)","Loss-of-job allowance (IPE) of {a} a month for 6 months: 70% of your average pay, at most the minimum wage (MAD 3,422.72); it needs 780 contribution days in the last 3 years":"Liúntas caillteanais poist (IPE) de {a} sa mhí ar feadh 6 mhí: 70% de do mheánphá, an t-íosphá ar a mhéad (MAD 3,422.72); teastaíonn 780 lá ranníocaíochta sna 3 bliana deireanacha","{h} hours of pay per year":"{h} uair pá in aghaidh na bliana","Decree 2-04-469 (employees and workers; managers 1 to 3 months)":"Foraithne 2-04-469 (fostaithe agus oibrithe; bainisteoirí 1 go 3 mhí)","Eid al-Fitr (estimate)":"Eid al-Fitr (meastachán)","Eid al-Fitr, 2nd day (estimate)":"Eid al-Fitr, 2ú lá (meastachán)","Eid al-Adha (estimate)":"Eid al-Adha (meastachán)","Eid al-Adha, 2nd day (estimate)":"Eid al-Adha, 2ú lá (meastachán)","Islamic New Year (estimate)":"Athbhliain Ioslamach (meastachán)","Prophet’s Birthday (estimate)":"Lá Breithe an Fháidh (meastachán)","Prophet’s Birthday, 2nd day (estimate)":"Lá Breithe an Fháidh, 2ú lá (meastachán)","Morocco":"Maracó","Spouse without income (family charge)":"Céile gan ioncam (muirear teaghlaigh)","Income tax (IR) 2026":"Cáin ioncaim (IR) 2026","After CNSS and AMO contributions and professional expenses (35% of gross pay up to MAD 78,000 a year, otherwise 25%, at most MAD 35,000), income is taxed at 0% up to MAD 40,000, then 10%, 20%, 30%, 34% and 37% above MAD 180,000 (the 2025 Finance Act scale). Each dependant (spouse and children, up to 6) reduces the tax by MAD 500 a year.":"Tar éis ranníocaíochtaí CNSS agus AMO agus costais ghairmiúla (35% den phá comhlán suas le MAD 78,000 sa bhliain, 25% ar shlí eile, MAD 35,000 ar a mhéad), gearrtar cáin ar ioncam ag 0% suas le MAD 40,000, ansin 10%, 20%, 30%, 34% agus 37% os cionn MAD 180,000 (scála Acht Airgeadais 2025). Laghdaíonn gach cleithiúnaí (céile agus leanaí, suas le 6) an cháin MAD 500 sa bhliain.","CNSS and AMO":"CNSS agus AMO","Employees pay 4.48% for social benefits (pensions, sickness, maternity) and 0.19% for the loss-of-job allowance on pay up to MAD 6,000 a month, and 2.26% for compulsory health insurance (AMO) on all pay. Employers pay 8.98% and 0.38% up to the ceiling, 4.11% AMO, 6.4% family allowances and 1.6% vocational training tax. The minimum wage is MAD 17.92 an hour from January 2026.":"Íocann fostaithe 4.48% le haghaidh sochar sóisialta (pinsin, breoiteacht, máithreachas) agus 0.19% le haghaidh an liúntais caillteanais poist ar phá suas le MAD 6,000 sa mhí, agus 2.26% le haghaidh árachas sláinte éigeantach (AMO) ar an bpá go léir. Íocann fostóirí 8.98% agus 0.38% suas go dtí an uasteorainn, 4.11% AMO, 6.4% liúntais teaghlaigh agus 1.6% cáin ghairmoiliúna. Is é MAD 17.92 san uair an t-íosphá ó Eanáir 2026.","Overtime is paid 25% extra between 6:00 and 21:00 and 50% extra at night, rising to 50% and 100% on the weekly rest day. The normal week is 44 hours (2,288 hours a year) and overtime is limited by decree, generally to 100 hours a year.":"Íoctar ragobair 25% breise idir 6:00 agus 21:00 agus 50% breise san oíche, ag ardú go 50% agus 100% ar an lá scíthe seachtainiúil. Is é 44 uair an ghnáthsheachtain (2,288 uair sa bhliain) agus tá ragobair teoranta le foraithne, 100 uair sa bhliain go ginearálta.","About 100 h / year":"Thart ar 100 u / bliain","Auto-entrepreneur":"Auto-entrepreneur","Under the auto-entrepreneur status, service providers pay 1% of turnover (0.5% for trade and crafts) instead of income tax, up to MAD 200,000 of turnover for services; above that, profit is taxed with the ordinary scale. Health insurance for the self-employed (AMO-TNS) is extra.":"Faoi stádas auto-entrepreneur íocann soláthraithe seirbhíse 1% den láimhdeachas (0.5% do thrádáil agus do cheardaíocht) in ionad cánach ioncaim, suas le láimhdeachas MAD 200,000 do sheirbhísí; os a chionn sin, gearrtar cáin ar an mbrabús leis an ngnáthscála. Bíonn árachas sláinte do dhaoine féinfhostaithe (AMO-TNS) sa bhreis.","CNSS old-age pension":"Pinsean seanaoise CNSS","Private-sector employees can retire at 60 with at least 3,240 days of contributions. The pension is 50% of the average monthly pay of the last 96 months (counted up to MAD 6,000), plus 1% for each 216 additional days, up to 70%. Workers with fewer days get their contributions back. A pension reform is under discussion.":"Is féidir le fostaithe san earnáil phríobháideach dul ar scor ag 60 le 3,240 lá ranníocaíochta ar a laghad. Is é an pinsean 50% den mheánphá míosúil sna 96 mhí dheireanacha (áirithe suas le MAD 6,000), móide 1% do gach 216 lá breise, suas le 70%. Faigheann oibrithe le níos lú laethanta a ranníocaíochtaí ar ais. Tá athchóiriú pinsin faoi phlé.","Contributions to a retirement savings contract lasting at least 8 years and paid out from age 50 are deductible up to 50% of your net taxable pay ({l} for you).":"Tá ranníocaíochtaí le conradh coigiltis scoir a mhaireann 8 mbliana ar a laghad agus a íoctar amach ó 50 bliain d’aois inasbhainte suas le 50% de do phá glan inchánach ({l} duitse).","Retirement savings contracts (contrats d’épargne retraite) and the supplementary CIMR pension: contributions are deductible and the benefits are taxed with an abatement (about 10% used here). Interest on savings is taxed at 20% at source.":"Conarthaí coigiltis scoir (contrats d’épargne retraite) agus an pinsean forlíontach CIMR: tá ranníocaíochtaí inasbhainte agus gearrtar cáin ar na sochair le lascaine (thart ar 10% anseo). Gearrtar cáin 20% ag an bhfoinse ar ús ar choigilteas.","Proclamation of Independence":"Forógra an Neamhspleáchais","Amazigh New Year":"Athbhliain Amazigh","Throne Day":"Lá na Ríchathaoireach","Oued Ed-Dahab Day":"Lá Oued Ed-Dahab","Revolution of the King and the People":"Réabhlóid an Rí agus an Phobail","Green March":"An Mháirseáil Ghlas","Paid annual leave is 1.5 working days per month of service (18 working days a year counting Saturdays), plus 1.5 days for every 5 years of service, up to 30 days. There are 10 civil public holidays and 7 religious holiday days whose dates follow the lunar calendar (estimates are shown).":"Is é an tsaoire bhliantúil íoctha 1.5 lá oibre in aghaidh gach míosa seirbhíse (18 lá oibre sa bhliain, Satharn san áireamh), móide 1.5 lá do gach 5 bliana seirbhíse, suas le 30 lá. Tá 10 lá saoire poiblí sibhialta agus 7 lá saoire reiligiúnacha a leanann a ndátaí an féilire gealaí (taispeántar meastacháin).","14 weeks":"14 seachtaine","100% of average pay up to the CNSS ceiling (MAD 6,000 a month)":"100% den mheánphá suas le huasteorainn CNSS (MAD 6,000 sa mhí)","3 days":"3 lá","Paid by the employer":"Íoctha ag an bhfostóir","Family support":"Tacaíocht teaghlaigh","Direct social aid per child since December 2023":"Cúnamh sóisialta díreach in aghaidh an linbh ó Nollaig 2023","From the 4th day, up to 52 weeks in 2 years":"Ón 4ú lá, suas le 52 seachtain i 2 bhliain","2/3 of average pay up to the CNSS ceiling":"2/3 den mheánphá suas le huasteorainn CNSS","Dismissed (not for serious misconduct)":"Briste (ní mar gheall ar mhí-iompar tromchúiseach)","Notice and indemnity":"Fógra agus slánaíocht","After 6 months of service an employee dismissed for reasons other than serious misconduct is owed an indemnity of 96 hours of pay per year for the first 5 years, 144 hours for years 6–10, 192 hours for years 11–15 and 240 hours beyond. Notice for employees and workers is 8 days under 1 year, 1 month up to 5 years and 2 months after (managers 1 to 3 months). An abusive dismissal adds damages of 1.5 months’ pay per year, up to 36 months (not modelled).":"Tar éis 6 mhí seirbhíse tá fostaí a bhristear ar chúis seachas mí-iompar tromchúiseach i dteideal slánaíochta de 96 uair pá in aghaidh na bliana don chéad 5 bliana, 144 uair do bhlianta 6–10, 192 uair do bhlianta 11–15 agus 240 uair ina dhiaidh sin. Is é an fógra d’fhostaithe agus d’oibrithe 8 lá faoi 1 bhliain, 1 mhí suas le 5 bliana agus 2 mhí ina dhiaidh sin (bainisteoirí 1 go 3 mhí). Cuireann dífhostú mí-úsáideach damáistí de phá 1.5 mhí in aghaidh na bliana leis, suas le 36 mhí (ní ríomhtar é).","Loss-of-job allowance (IPE)":"Liúntas caillteanais poist (IPE)","The CNSS pays 70% of the average pay of the last 36 months, at most the minimum wage, for 6 months to employees who lose their job involuntarily and have 780 contribution days in the last 36 months, including 260 in the last 12.":"Íocann an CNSS 70% den mheánphá sna 36 mhí dheireanacha, an t-íosphá ar a mhéad, ar feadh 6 mhí le fostaithe a chailleann a bpost go neamhdheonach agus a bhfuil 780 lá ranníocaíochta acu sna 36 mhí dheireanacha, lena n-áirítear 260 sna 12 mhí dheireanacha.","Pay above MAD 6,000 a month earns no CNSS pension: a supplementary pension (CIMR) or retirement savings contract fills the gap and is tax-deductible.":"Ní thuilleann pá os cionn MAD 6,000 sa mhí aon phinsean CNSS: líonann pinsean forlíontach (CIMR) nó conradh coigiltis scoir an bhearna agus tá sé inasbhainte ó cháin.","Family allowances were replaced by direct social aid in December 2023 and are not included. Dependants reduce income tax by MAD 500 a year each.":"Cuireadh cúnamh sóisialta díreach in ionad liúntas teaghlaigh i Nollaig 2023 agus ní áirítear iad. Laghdaíonn gach cleithiúnaí an cháin ioncaim MAD 500 sa bhliain.","96–240 hours of pay per year of service":"96–240 uair pá in aghaidh na bliana seirbhíse","14 weeks at 100% (ceiling)":"14 seachtaine ag 100% (uasteorainn)","2/3 from day 4 (CNSS)":"2/3 ón 4ú lá (CNSS)","Estimate. Annual CNSS, AMO and income tax for one private-sector employee with the 2026 rules and the standard professional-expenses deduction. The supplementary pension (CIMR), mutual insurance, housing-loan interest relief, bonuses taxed separately and the CNSS minimum pension are not modelled; the religious holiday dates are estimates.":"Meastachán. CNSS, AMO agus cáin ioncaim bhliantúil d’fhostaí amháin san earnáil phríobháideach faoi rialacha 2026 agus leis an asbhaint chaighdeánach do chostais ghairmiúla. Ní ríomhtar an pinsean forlíontach (CIMR), árachas frithpháirteach, faoiseamh úis iasachta tí, bónais a ngearrtar cáin orthu ar leith ná íospinsean CNSS; is meastacháin iad dátaí na laethanta saoire reiligiúnacha.","Official sources: General Tax Directorate DGI (General Tax Code: income tax scale, professional expenses, family charges, as amended by the 2025 Finance Act), National Social Security Fund CNSS (contribution rates and ceiling, old-age pension, loss-of-job allowance), Labour Code (notice, indemnity, leave, overtime) and decree 2.25.983 (minimum wage 2026), Bank Al-Maghrib (exchange rate), High Commission for Planning HCP (inflation), World Bank ICP (price levels), UN World Population Prospects (life expectancy).":"Foinsí oifigiúla: Ard-Stiúrthóireacht na gCánacha DGI (Cód Ginearálta Cánach: scála IR, costais ghairmiúla, muirir teaghlaigh, arna leasú ag Acht Airgeadais 2025), Ciste Náisiúnta Slándála Sóisialta CNSS (rátaí ranníocaíochta agus uasteorainn, pinsean seanaoise, liúntas caillteanais poist), Cód Saothair (fógra, slánaíocht, saoire, ragobair) agus foraithne 2.25.983 (íosphá 2026), Bank Al-Maghrib (ráta malairte), Ard-Choimisiún Pleanála HCP (boilsciú), An Banc Domhanda ICP (leibhéil praghsanna), NA World Population Prospects (ionchas saoil).","Income tax on MAD 120,000 of net taxable income (no dependants)":"Cáin ioncaim ar MAD 120,000 d’ioncam glan inchánach (gan chleithiúnaithe)","Professional expenses on MAD 120,000 gross a year":"Costais ghairmiúla ar MAD 120,000 comhlán sa bhliain","Maximum monthly employee CNSS social benefits contribution":"Uasranníocaíocht mhíosúil fostaí le sochair shóisialta CNSS","Dismissal indemnity after 8 years (hours of pay)":"Slánaíocht dífhostaithe tar éis 8 mbliana (uaireanta pá)","Minimum wage per month (191 hours)":"Íosphá in aghaidh na míosa (191 uair)","CNSS pension rate with 5,400 contribution days":"Ráta pinsin CNSS le 5,400 lá ranníocaíochta","Your SRS":"Do SRS","Your retirement annuity":"Do bhlianacht scoir","Africa":"An Afraic","Buyer’s stamp duty (1% to 6%; no additional duty for a citizen’s first home)":"Dleacht stampála an cheannaitheora (1% go 6%; gan dleacht bhreise ar chéad teach saoránaigh)","Conveyancing, valuation and mortgage stamp duty (estimate)":"Tíolacadh, luacháil agus dleacht stampála morgáiste (meastachán)","Transfer duty (0% up to R1,210,000, then 3% to 13%)":"Dleacht aistrithe (0% suas le R1,210,000, ansin 3% go 13%)","Conveyancer, deeds office and bond registration (estimate, about 2%)":"Tíolacóir, oifig gníomhas agus clárú bannaí (meastachán, thart ar 2%)","Registration duty 4%":"Dleacht chlárúcháin 4%","Land registry fee 1.5% and mortgage registration 0.5% of the loan":"Táille clárlainne talún 1.5% agus clárú morgáiste 0.5% den iasacht","Notary fees incl. VAT (estimate, about 1.2%)":"Táillí nótaire lena n-áirítear CBL (meastachán, thart ar 1.2%)","Not modelled: interest on a loan for your main home is deductible up to 10% of taxable income.":"Ní ríomhtar é: tá ús ar iasacht do do phríomhtheach inasbhainte suas le 10% den ioncam inchánach.","Monetary Authority of Singapore: bank loans for a first home at most 75% of the value (lower for long tenures, older borrowers and further loans) and total debt payments at most 55% of gross monthly income (TDSR); HDB flats and executive condominiums also have a 30% mortgage servicing ratio.":"Monetary Authority of Singapore: iasachtaí bainc do chéad teach 75% den luach ar a mhéad (níos lú do théarmaí fada, iasachtaithe níos sine agus iasachtaí breise) agus aisíocaíochtaí fiachais iomlána 55% den ioncam míosúil comhlán ar a mhéad (TDSR); tá cóimheas seirbhísithe morgáiste 30% ag árasáin HDB agus executive condominiums freisin.","No loan-to-value limits: banks can lend up to 100% of the value after the affordability assessment required by the National Credit Act.":"Gan teorainneacha iasachta le luach: is féidir le bainc suas le 100% den luach a thabhairt ar iasacht tar éis an mheasúnaithe inacmhainneachta a éilíonn an National Credit Act.","No binding borrower limits. Banks usually lend up to 70–100% of the value (with the state FOGARIM guarantee for modest incomes) and keep the monthly payment below about 40% of income.":"Gan teorainneacha ceangailteacha iasachtaithe. Tugann bainc 70–100% den luach ar iasacht de ghnáth (le ráthaíocht stáit FOGARIM d’ioncaim mheasartha) agus coinníonn siad an íocaíocht mhíosúil faoi thart ar 40% den ioncam.","Public holidays on weekdays in 2026 (with days in lieu)":"Laethanta saoire poiblí ar laethanta seachtaine in 2026 (le laethanta ina n-ionad)","Annual leave in the first year (days)":"Saoire bhliantúil sa chéad bhliain (laethanta)","Civil public holidays on weekdays in 2026":"Laethanta saoire poiblí sibhialta ar laethanta seachtaine in 2026","Buyer’s stamp duty on a $1,000,000 home":"Dleacht stampála an cheannaitheora ar theach $1,000,000","Transfer duty on a R2,000,000 home":"Dleacht aistrithe ar theach R2,000,000","Registration duty on a MAD 1,000,000 home":"Dleacht chlárúcháin ar theach MAD 1,000,000","CPF LIFE is estimated from the CPF Board’s published payouts for the retirement sums, assuming 70% of contributions reach the Ordinary and Special accounts at 3% and nothing is used for housing; your CPF statement and the CPF LIFE estimator give your own figure.":"Meastar CPF LIFE ó íocaíochtaí foilsithe an CPF do na retirement sums, ag glacadh leis go sroicheann 70% de na ranníocaíochtaí na cuntais Ordinary agus Special ag 3% agus nach n-úsáidtear aon chuid le haghaidh tithíochta; tugann do ráiteas CPF agus meastóir CPF LIFE d’fhigiúr féin.","The retirement fund is projected with a 3% real return and converted into a level annuity; actual annuity rates, fees and the two-pot savings withdrawals change the result.":"Réamh-mheastar an ciste scoir le toradh réadach 3% agus athraítear é ina bhlianacht chothrom; athraíonn rátaí iarbhír blianachta, táillí agus aistarraingtí an phota coigiltis an toradh.","Estimate: the CNSS pension uses your recent pay up to MAD 6,000 a month and 26 contribution days a month; your CNSS statement gives your actual days.":"Meastachán: úsáideann an pinsean CNSS do phá is déanaí suas le MAD 6,000 sa mhí agus 26 lá ranníocaíochta sa mhí; taispeánann do ráiteas CNSS do laethanta iarbhír.","MPF mandatory contribution 5% (relevant income up to $30,000 a month)":"Ranníocaíocht éigeantach MPF 5% (ioncam suas le $30,000 sa mhí)","Salaries tax at the standard rate (15%)":"Salaries Tax ag an ráta caighdeánach (15%)","Salaries tax (progressive rates)":"Salaries Tax (rátaí forásacha)","Basic and child allowances":"Liúntas bunúsach agus liúntas leanaí","Employer MPF contribution 5%":"Ranníocaíocht MPF an fhostóra 5%","MPF savings of about {b} at {a}, drawn down evenly over your life expectancy: {m} a month (3% real return assumed). MPF benefits are paid from 65, or from 60 on early retirement, and are not taxed. The Old Age Allowance of $1,675 a month is added from 70; there is no other state pension.":"Iarmhéid MPF de thart ar {b} ag aois {a}, caite go cothrom thar d’ionchas saoil: {m} sa mhí (ag glacadh le toradh réadach 3%). Íoctar sochair MPF ó aois 65, nó ó 60 le scor luath, agus tá siad saor ó cháin. Ó aois 70 cuirtear an Old Age Allowance de $1,675 sa mhí leis; níl aon phinsean stáit eile ann.","MPF contribution for the self-employed 5% (relevant income $7,100–$30,000 a month)":"Ranníocaíocht MPF féinfhostaithe 5% (ioncam $7,100–30,000 sa mhí)","Severance payment (2/3 of a month’s wages, capped at $22,500, per year of service; not taxed)":"Íocaíocht iomarcaíochta (2/3 de phá míosa, $22,500 ar a mhéad, in aghaidh gach bliain seirbhíse; saor ó cháin)","Long service payment (2/3 of a month’s wages, capped at $22,500, per year of service; not taxed)":"Long Service Payment (2/3 de phá míosa, $22,500 ar a mhéad, in aghaidh gach bliain seirbhíse; saor ó cháin)","Severance payment if made redundant":"Íocaíocht iomarcaíochta","Severance or long service payment":"Íocaíocht iomarcaíochta nó Long Service Payment","As agreed in the contract, at least 7 days (1 month if not stated)":"De réir an chonartha, 7 lá ar a laghad (mí amháin mura bhfuil aon rud comhaontaithe)","Employment Ordinance s. 6":"Employment Ordinance alt 6","Hong Kong has no unemployment insurance. The means-tested Comprehensive Social Security Assistance (CSSA) can help people with low income and savings.":"Níl árachas dífhostaíochta ag Hong Cong. Cabhraíonn an Comprehensive Social Security Assistance (CSSA), atá bunaithe ar acmhainn, le daoine a bhfuil ioncam agus coigilteas íseal acu.","The first day of January":"Lá Caille","Lunar New Year’s Day":"Athbhliain na Síne","The second day of Lunar New Year":"An dara lá d’Athbhliain na Síne","The third day of Lunar New Year":"An tríú lá d’Athbhliain na Síne","Ching Ming Festival":"Féile Ching Ming","The Birthday of the Buddha":"Breithlá an Bhúda","Tuen Ng Festival":"Féile Tuen Ng","HKSAR Establishment Day":"Lá Bunaithe RRS Hong Cong","The day following the Mid-Autumn Festival":"An lá tar éis Fhéile Lár an Fhómhair","Chung Yeung Festival":"Féile Chung Yeung","Christmas Day (or Winter Solstice)":"Lá Nollag (nó grianstad an gheimhridh)","The first weekday after Christmas Day":"An chéad lá oibre tar éis na Nollag","Hong Kong":"Hong Cong","Salaries tax":"Salaries Tax","Salaries tax for 2026/27 is the lower of two calculations: progressive rates of 2%, 6%, 10% and 14% on four bands of $50,000 of net chargeable income and 17% above, or the standard rate of 15% on net income without allowances (16% above $5 million). The basic allowance is $145,000 and each child adds $140,000. Tax is assessed once a year on income from April to March; it is not withheld from pay.":"Is é Salaries Tax 2026/27 an ceann is lú de dhá ríomh: rátaí forásacha 2%, 6%, 10% agus 14% ar cheithre bhanda de $50,000 den ioncam inchánach glan agus 17% os a chionn, nó an ráta caighdeánach 15% ar an ioncam glan gan liúntais (16% os cionn $5 milliún). Is é $145,000 an liúntas bunúsach agus cuireann gach leanbh $140,000 leis. Measúnaítear an cháin uair sa bhliain ar an ioncam ó Aibreán go Márta agus ní bhaintear den phá í.","Employees and employers each pay 5% of relevant income into a Mandatory Provident Fund scheme, on income up to $30,000 a month (at most $1,500 each). Employees earning less than $7,100 a month pay nothing, but their employer still pays 5%. Your mandatory contributions are deductible up to $18,000 a year.":"Íocann an fostaí agus an fostóir 5% den ioncam an duine isteach i scéim Mandatory Provident Fund, ar ioncam suas le $30,000 sa mhí ($1,500 an duine ar a mhéad). Má thuilleann tú níos lú ná $7,100 sa mhí ní íocann tú faic, ach íocann an fostóir 5% fós. Is féidir do ranníocaíochtaí éigeantacha a asbhaint suas le $18,000 sa bhliain.","No statutory overtime pay":"Níl pá reachtúil ragoibre ann","The Employment Ordinance sets no overtime premium and no general limit on working hours; overtime pay depends on your contract. Enter the premium your contract gives.":"Ní shocraíonn an Employment Ordinance biseach ragoibre ná uasmhéid ginearálta uaireanta; braitheann pá ragoibre ar do chonradh. Cuir isteach an biseach ó do chonradh.","No general legal limit":"Níl teorainn ghinearálta reachtúil ann","Unincorporated businesses pay profits tax (7.5% on the first $2 million of profits, 15% above) or, under personal assessment, tax at the salaries tax rates with the personal allowances, which is usually lower for modest profits and is used here. Self-employed people pay 5% of relevant income into MPF.":"Íocann gnólachtaí aonair Profits Tax (7.5% ar an gcéad $2 mhilliún brabúis, 15% os a chionn) nó, le Personal Assessment, cáin ag rátaí Salaries Tax leis na liúntais phearsanta, rud is fearr de ghnáth ar bhrabúis mheasartha agus a úsáidtear anseo. Íocann daoine féinfhostaithe 5% dá n-ioncam isteach san MPF.","Your MPF account holds the mandatory contributions (yours and your employer’s, 10% of relevant income) and their returns. You can withdraw it at 65, or at 60 on early retirement, as a lump sum or in instalments, tax-free. MPF offsetting of severance and long service payments ended on 1 May 2025 for service after that date.":"Tá na ranníocaíochtaí éigeantacha (do chuid féin agus cuid d’fhostóra, 10% den ioncam) agus a dtoradh i do chuntas MPF. Is féidir é a tharraingt siar ag 65, nó ag 60 le scor luath, in aon íocaíocht amháin nó i dtráthchodanna, saor ó cháin. Cuireadh deireadh le fritháireamh íocaíochtaí iomarcaíochta agus Long Service Payments in aghaidh an MPF ar 1 Bealtaine 2025 don tseirbhís ina dhiaidh sin.","Old age allowances":"Liúntais seanaoise","There is no contributory state pension. From 70 residents can get the Old Age Allowance of $1,675 a month without a means test; the means-tested Old Age Living Allowance pays $4,345 a month from 65 (rates from 1 February 2026).":"Níl pinsean stáit ranníocach ann. Ó aois 70 is féidir le cónaitheoirí an Old Age Allowance de $1,675 sa mhí a fháil gan tástáil acmhainne; íocann an Old Age Living Allowance, atá bunaithe ar acmhainn, $4,345 sa mhí ó aois 65 (méideanna ó 1 Feabhra 2026).","Tax-deductible voluntary contributions (TVC) to an MPF account and qualifying deferred annuity premiums are deductible up to $60,000 a year together. TVC can only be withdrawn at 65 (or 60 on early retirement), like mandatory contributions, and MPF benefits are not taxed.":"Is féidir ranníocaíochtaí deonacha incháinbhainte (TVC) isteach i gcuntas MPF agus préimheanna blianachtaí iarchurtha cáilithe a asbhaint le chéile suas le $60,000 sa bhliain. Cosúil leis na ranníocaíochtaí éigeantacha, ní féidir TVC a tharraingt siar go dtí aois 65 (nó 60 le scor luath), agus tá sochair MPF saor ó cháin.","Tax-deductible voluntary contributions (TVC): deductible up to $60,000 a year (together with deferred annuity premiums); withdrawals from 65 are not taxed. Interest on bank deposits is not taxed in Hong Kong.":"Ranníocaíochtaí deonacha incháinbhainte (TVC): inasbhainte suas le $60,000 sa bhliain (in éineacht le préimheanna blianachtaí iarchurtha); tá aistarraingtí ó aois 65 saor ó cháin. Ní ghearrtar cáin ar ús ó thaiscí bainc i Hong Cong.","{h} (day off in lieu)":"{h} (lá scíthe ionadach)","After 12 months of service employees get 7 days of paid annual leave, rising by 1 day a year to 14 days after 9 years, plus the statutory holidays (15 in 2026, with Easter Monday added). A statutory holiday on a rest day is replaced by the next day. Lunar holidays are shown for the years the Labour Department has published.":"Tar éis 12 mhí fostaíochta tá 7 lá saoire íoctha ag fostaithe, ag ardú lá amháin gach bliain go 14 tar éis 9 mbliana, móide na laethanta saoire reachtúla (15 in 2026, le Luan Cásca nua). Má thiteann lá saoire reachtúil ar lá scíthe, glacann an lá dár gcionn a áit. Taispeántar laethanta saoire gealaí do na blianta a d’fhoilsigh an Labour Department.","4/5 of average daily wages (weeks 11–14 capped at $80,000)":"4/5 den mheánphá laethúil (seachtainí 11–14 suas le $80,000)","4/5 of average daily wages":"4/5 den mheánphá laethúil","Sickness allowance":"Liúntas breoiteachta","Up to 120 paid sickness days built up over time (2 days a month in the first year, 4 after)":"Suas le 120 lá saoire breoiteachta íoctha a charnann (2 lá sa mhí sa chéad bhliain, ansin 4)","Made redundant":"Iomarcaíocht","Severance and long service payments":"Íocaíocht iomarcaíochta agus Long Service Payment","Employees made redundant after at least 24 months of service get a severance payment; those dismissed for other reasons (not serious misconduct) after at least 5 years get a long service payment instead. Both are 2/3 of the last full month’s wages, with wages capped at $22,500, for each year of service, up to $390,000. They are not taxed. Notice is as agreed but at least 7 days, or 1 month if the contract says nothing.":"Faigheann duine a dhéantar iomarcach tar éis 24 mhí fostaíochta ar a laghad íocaíocht iomarcaíochta; faigheann duine a bhriseann an fostóir ar chúis eile (ní mí-iompar tromchúiseach) tar éis 5 bliana ar a laghad Long Service Payment ina áit sin. Is ionann an dá cheann agus 2/3 den phá iomlán míosa deiridh, le pá $22,500 ar a mhéad, in aghaidh gach bliain seirbhíse, suas le $390,000. Tá siad saor ó cháin. Is é an fógra an méid a comhaontaíodh, 7 lá ar a laghad, nó mí amháin mura ndeir an conradh faic.","Tax-deductible voluntary MPF contributions (TVC) and qualifying deferred annuity premiums lower your salaries tax: up to $60,000 a year can be deducted.":"Laghdaíonn ranníocaíochtaí deonacha incháinbhainte MPF (TVC) agus préimheanna blianachtaí iarchurtha cáilithe do Salaries Tax: is féidir suas le $60,000 sa bhliain a asbhaint.","Married couples can choose joint assessment (married person’s allowance $290,000); it is not modelled here. The child allowance of $140,000 per child goes to the parent claiming it ($280,000 in the first two years for children born from 1 April 2025).":"Is féidir le lánúineacha pósta measúnú comhpháirteach a roghnú (liúntas pósta $290,000); ní ríomhtar é anseo. Téann an liúntas $140,000 in aghaidh an linbh chuig an tuismitheoir a éilíonn é ($280,000 sa chéad dá bhliain do leanaí a rugadh ó 1 Aibreán 2025).","Severance payment (redundancy, after 2 years)":"Íocaíocht iomarcaíochta (iomarcaíocht, tar éis 2 bhliain)","1 month (if not agreed)":"Mí amháin (mura bhfuil comhaontú)","No unemployment insurance":"Níl árachas dífhostaíochta ann","14 weeks at 4/5 pay":"14 seachtaine ag 4/5 den phá","5 days at 4/5 pay":"5 lá ag 4/5 den phá","4/5 pay from accumulated days":"4/5 den phá ó laethanta carntha","Annual MPF and salaries tax for one employee for the year of assessment 2026/27, with the basic and child allowances only. Married person’s and dependant allowances, other deductions (home loan interest, rent, insurance), the one-off reduction for 2025/26 and the timing of provisional tax are not modelled.":"Ranníocaíocht bhliantúil MPF agus Salaries Tax fostaí sa bhliain chánach 2026/27, leis an liúntas bunúsach agus an liúntas leanaí amháin. Ní ríomhtar liúntais phósta agus chleithiúnaithe, asbhaintí eile (ús morgáiste, cíos, árachas), an laghdú aonuaire do 2025/26 ná uainiú na cánach réamhíoctha.","Official sources: Inland Revenue Department (salaries tax rates, allowances 2026/27 and worked examples, stamp duty rates from 26 February 2026), Mandatory Provident Fund Schemes Authority (contribution limits), Labour Department (Employment Ordinance, statutory holidays 2026, maternity and paternity leave, severance and long service payments), Social Welfare Department (Old Age Allowance and Old Age Living Allowance from 1 February 2026), Hong Kong Monetary Authority (loan-to-value and debt-servicing limits), Census and Statistics Department (inflation, life expectancy), World Bank ICP (price levels).":"Foinsí oifigiúla: Inland Revenue Department (rátaí Salaries Tax, liúntais 2026/27 agus samplaí ríofa, rátaí dleachta stampála ó 26 Feabhra 2026), Mandatory Provident Fund Schemes Authority (teorainneacha ranníocaíochta), Labour Department (Employment Ordinance, laethanta saoire reachtúla 2026, saoire mháithreachais agus athardhachta, íocaíochtaí iomarcaíochta), Social Welfare Department (Old Age Allowance agus Old Age Living Allowance ó 1 Feabhra 2026), Hong Kong Monetary Authority (teorainneacha iasachta agus seirbhíse fiachais), Census and Statistics Department (boilsciú, ionchas saoil), an Banc Domhanda ICP (leibhéil praghsanna).","Salaries tax 2026/27, single person with $380,000 of income":"Salaries Tax 2026/27, duine singil le hioncam $380,000","Tax at the two-tiered standard rates on $5,090,000 of net income":"Cáin ag na rátaí caighdeánacha dhá bhanda ar ioncam glan $5,090,000","Single parent with one child: tax on $440,000 of net income (allowances $145,000 + $145,000 + $140,000)":"Tuismitheoir aonair le leanbh amháin: cáin ar ioncam glan $440,000 (liúntais $145,000 + $145,000 + $140,000)","Maximum yearly MPF mandatory contribution of an employee":"An ranníocaíocht éigeantach bhliantúil MPF is airde ag fostaí","Employee MPF at $7,000 a month (below the minimum relevant income)":"MPF an fhostaí ag $7,000 sa mhí (faoi bhun an ioncaim íosta)","Deduction cap for TVC and deferred annuity premiums":"Teorainn asbhainte do TVC agus préimheanna blianachtaí iarchurtha","Severance payment after 10 years at $30,000 a month":"Íocaíocht iomarcaíochta tar éis 10 mbliana ag $30,000 sa mhí","National pension 4.75%":"Pinsean stáit 4.75%","Health insurance 3.595%":"Árachas sláinte 3.595%","Long-term care insurance (13.14% of the health premium)":"Árachas cúraim fhadtéarmaigh (13.14% den ranníocaíocht sláinte)","Employment insurance 0.9%":"Árachas fostaíochta 0.9%","Local income tax (10% of income tax)":"Cáin ioncaim áitiúil (10% den cháin ioncaim)","Earned income deduction":"Asbhaint ioncaim tuillte","Employer social insurance (industrial accident insurance not included)":"Ranníocaíochtaí an fhostóra (gan árachas timpistí oibre)","National pension estimate: 43% of the average of your pay ({b}) and the average pay of all insured people ({a}) for 40 years, in proportion to your {y} years. Years before 2026 used higher rates for older periods, so your National Pension Service statement may show more. The means-tested basic pension (up to 349,700 won a month in 2026) is not included.":"Meastachán ar an bpinsean stáit: 43% den mheán idir do phá ({b}) agus meánphá gach duine árachaithe ({a}) do 40 bliain, i gcomhréir le do {y} bliain. Bhí rátaí níos airde ag tréimhsí roimh 2026, mar sin d’fhéadfadh ráiteas an National Pension Service níos mó a thaispeáint. Níl an bunphinsean atá bunaithe ar acmhainn (suas le 349,700 won sa mhí in 2026) san áireamh.","Regional national pension 9.5% and health insurance (estimate)":"Pinsean stáit réigiúnach 9.5% agus árachas sláinte (meastachán)","Severance pay (30 days’ average wages per year of service; after retirement income tax)":"Íocaíocht scoir (30 lá meánphá in aghaidh gach bliain seirbhíse; tar éis na cánach ar ioncam scoir)","Job-seeking benefit: {d} a day for {n} days (60% of your average daily wage, between 66,048 and 68,100 won), if you were insured for at least 180 days in the last 18 months and lost your job involuntarily":"Sochar dífhostaíochta: {d} sa lá ar feadh {n} lá (60% de do mheánphá laethúil, idir 66,048 agus 68,100 won), má tá 180 lá árachaithe ar a laghad agat sna 18 mí deiridh agus má chailleann tú do phost i gcoinne do thola","Insured period":"Tréimhse árachaithe","Under 50":"Faoi bhun 50","50 and over":"50 nó níos sine","30 days (or 30 days’ wages instead)":"30 lá (nó 30 lá pá ina áit sin)","Labor Standards Act art. 26 (dismissal by the employer)":"Labor Standards Act alt 26 (dífhostú ag an bhfostóir)","Seollal (Lunar New Year)":"Seollal (Athbhliain Ghealaí)","Independence Movement Day":"Lá Ghluaiseacht an Neamhspleáchais","Children’s Day and Buddha’s Birthday":"Lá na Leanaí agus Breithlá an Bhúda","Presidential election day":"Lá an toghcháin uachtaránachta","Hangul Day":"Lá Hangul","Buddha’s Birthday":"Breithlá an Bhúda","Local election day":"Lá na dtoghchán áitiúil","South Korea":"An Chóiré Theas","Income tax uses rates from 6% to 45% on taxable income, plus local income tax of 10% of the tax. Before the rates, the earned income deduction (up to 20 million won), 1.5 million won for you and each dependant, and your social insurance contributions are deducted; the earned income tax credit and the child tax credit then reduce the tax. Employers withhold tax every month and settle it in the year-end tax settlement.":"Tá rátaí ó 6% go 45% ag cáin ioncaim ar ioncam inchánach, móide cáin áitiúil de 10% den cháin. Roimh na rátaí baintear an asbhaint ioncaim tuillte (suas le 20 milliún won), 1.5 milliún won duit féin agus do gach cleithiúnaí, agus do ranníocaíochtaí sóisialta; ansin laghdaíonn an creidmheas cánach ar ioncam tuillte agus an creidmheas leanaí an cháin. Asbhaineann an fostóir an cháin gach mí agus socraíonn sé í ag coigeartú dheireadh na bliana.","In 2026 you pay 4.75% for the national pension (on pay up to 6.37 million won a month, 6.59 million from July), 3.595% for health insurance, 13.14% of that for long-term care and 0.9% for employment insurance. Your employer pays the same plus about 0.25% for job training and the industrial accident insurance for its sector. The pension rate rises by 0.5 points a year until 13% in 2033.":"In 2026 íocann tú 4.75% don phinsean stáit (ar phá suas le 6.37 milliún won sa mhí, 6.59 milliún ó Iúil), 3.595% d’árachas sláinte, 13.14% de sin do chúram fadtéarmach agus 0.9% d’árachas fostaíochta. Íocann d’fhostóir an méid céanna móide thart ar 0.25% d’oiliúint agus árachas timpistí a earnála. Ardaíonn an ranníocaíocht phinsin 0.5 pointe sa bhliain go 13% in 2033.","Labor Standards Act art. 56":"Labor Standards Act alt 56","At workplaces with 5 or more employees, overtime, night work (22:00–06:00) and holiday work are paid at least 50% extra (100% for holiday work beyond 8 hours). The working week is 40 hours plus at most 12 hours of overtime.":"I gcomhlachtaí a bhfuil 5 fhostaí nó níos mó acu, íoctar ragobair, obair oíche (22:00–06:00) agus obair ar laethanta saoire le biseach 50% ar a laghad (100% d’obair lae saoire os cionn 8 n-uaire). Is é 40 uair an tseachtain oibre móide 12 uair ragoibre ar a mhéad.","12 h / week":"12 uair / seachtain","Self-employed people file a comprehensive income tax return in May on their business profit (same rates plus 10% local tax) and pay the regional national pension (9.5% of income) and regional health insurance, which is based on income and property points and is only estimated here.":"Comhdaíonn daoine féinfhostaithe tuairisceán cánach ioncaim ar a mbrabús i mBealtaine (na rátaí céanna móide 10% áitiúil) agus íocann siad an pinsean stáit réigiúnach (9.5% den ioncam) agus árachas sláinte réigiúnach, a ríomhtar le pointí ioncaim agus sócmhainní agus nach ndéantar ach meastachán air anseo.","After at least 10 years of contributions you get an old-age pension from 65 if you were born in 1969 or later. From 2026 each year of contributions earns a pension of about 1.075% of the average of your own pay and the average pay of all insured people (43% for 40 years). You can claim up to 5 years early with 6% less per year, or defer up to 5 years with 7.2% more per year.":"Tar éis 10 mbliana ranníocaíochtaí ar a laghad faigheann tú pinsean seanaoise ó aois 65 más é 1969 nó níos déanaí do bhliain bhreithe. Ó 2026, tugann gach bliain ranníocaíochtaí pinsean de thart ar 1.075% den mheán idir do phá agus meánphá gach duine árachaithe (43% do 40 bliain). Is féidir é a ghlacadh suas le 5 bliana níos luaithe le 6% níos lú in aghaidh na bliana nó é a chur siar suas le 5 bliana le 7.2% níos mó in aghaidh na bliana.","Basic pension":"Bunphinsean","People aged 65 and over in the lower 70% of income and assets can get the basic pension, up to 349,700 won a month for a single person in 2026, reduced for higher national pensions.":"Is féidir le daoine 65 bliana d’aois agus níos sine atá sa 70% is ísle de réir ioncaim agus sócmhainní an bunphinsean a fháil, suas le 349,700 won sa mhí do dhuine singil in 2026, laghdaithe le pinsean stáit níos airde.","Pension savings accounts and IRP contributions give a tax credit of 15% (12% if your total salary is above 55 million won), plus 10% local tax, on up to 9 million won a year (6 million in pension savings). Pensions drawn from 55 are taxed at 3.3–5.5%.":"Tugann íocaíochtaí isteach i gcuntais coigiltis scoir agus IRP creidmheas cánach 15% (12% má tá do phá iomlán os cionn 55 milliún won) móide 10% áitiúil ar suas le 9 milliún won sa bhliain (6 mhilliún i gcoigilteas scoir). Gearrtar cáin 3.3–5.5% ar phinsin ó aois 55.","Individual retirement pension (IRP) and pension savings: a tax credit instead of a deduction, and 3.3–5.5% tax on pensions drawn from 55 (5.5% used here). Interest income is taxed at 15.4%.":"Pinsean scoir aonair (IRP) agus coigilteas scoir: creidmheas cánach in ionad asbhainte agus cáin 3.3–5.5% ar phinsin ó aois 55 (5.5% anseo). Gearrtar cáin 15.4% ar ús.","Employees who worked at least 80% of the year get 15 days of paid annual leave, plus 1 day for every 2 further years of service from the 3rd year, up to 25 days. In the first year you earn 1 day for each full month worked (up to 11). Lunar holidays and substitute holidays are shown for the years already published.":"Má oibríodh 80% den bhliain ar a laghad tá 15 lá saoire íoctha ann, le lá breise in aghaidh gach 2 bhliain bhreise seirbhíse ón 3ú bliain, suas le 25 lá. Sa chéad bhliain tuilltear lá amháin in aghaidh gach míosa iomláine oibre (suas le 11). Taispeántar laethanta saoire gealaí agus ionadacha do na blianta atá foilsithe cheana.","90 days (120 for twins or more)":"90 lá (120 do bhreitheanna iolracha)","Full pay; the employment insurance covers part (up to 2.1 million won a month)":"Pá iomlán; íocann an t-árachas fostaíochta cuid de (suas le 2.1 milliún won sa mhí)","Up to 1 year per parent (1.5 years if both take at least 3 months), until the child is 8":"Suas le bliain amháin in aghaidh an tuismitheora (bliain go leith má ghlacann an bheirt 3 mhí ar a laghad), go dtí go mbíonn an leanbh 8","Employment insurance: 100% up to 2.5 million won (months 1–3), then up to 2 million and 1.6 million":"Árachas fostaíochta: 100% suas le 2.5 milliún won (míonna 1–3), ansin suas le 2 mhilliún agus 1.6 milliún","No legal paid sick leave (only by contract or rules of employment)":"Níl saoire bhreoiteachta íoctha reachtúil ann (trí chonradh nó rialacha an láthair oibre amháin)","Dismissed or made redundant":"Dífhostú nó iomarcaíocht","After at least 1 year of service every employee receives severance pay of 30 days’ average wages per year, whatever the reason for leaving, including resignation; many employers pay it through a retirement pension plan. It is taxed as retirement income with its own deductions, so the tax is low. A dismissal needs a justifiable reason and 30 days’ notice or 30 days’ wages.":"Tar éis bliain seirbhíse amháin ar a laghad, faigheann gach fostaí íocaíocht scoir de 30 lá meánphá in aghaidh na bliana, cibé cúis atá leis an imeacht, éirí as san áireamh; íocann go leor fostóirí í trí phlean pinsin cuideachta. Gearrtar cáin uirthi mar ioncam scoir lena hasbhaintí féin, mar sin tá an cháin íseal. Teastaíonn cúis chóir agus fógra 30 lá nó 30 lá pá le dífhostú.","Job-seeking benefit":"Sochar dífhostaíochta","If you lose your job involuntarily after at least 180 insured days in the last 18 months, the employment insurance pays 60% of your average daily wage, between 66,048 and 68,100 won a day in 2026, for 120 to 270 days depending on your age and how long you were insured.":"Má chailleann tú do phost i gcoinne do thola tar éis 180 lá árachaithe ar a laghad sna 18 mí deiridh, íocann an t-árachas fostaíochta 60% de do mheánphá laethúil, idir 66,048 agus 68,100 won sa lá in 2026, ar feadh 120 go 270 lá ag brath ar d’aois agus ar do thréimhse árachaithe.","Pension savings and IRP contributions give a tax credit of up to 16.5% (with local tax) on up to 9 million won a year.":"Tugann íocaíochtaí isteach i gcoigilteas scoir agus IRP creidmheas cánach suas le 16.5% (leis an gcáin áitiúil) ar suas le 9 milliún won sa bhliain.","The child tax credit is applied to the parent claiming it for children aged 8 and over; the monthly child allowance for younger children (100,000 won) and the parent allowance are not included. Spouses are taxed separately.":"Téann an creidmheas leanaí chuig an tuismitheoir a éilíonn é, do leanaí 8 mbliana d’aois agus níos sine; níl an liúntas míosúil do leanaí níos óige (100,000 won) ná an sochar tuismitheora san áireamh. Gearrtar cáin ar chéilí ar leithligh.","30 days’ pay per year (also on resignation)":"30 lá pá in aghaidh na bliana (fiú má éiríonn tú as)","60% of pay, 120–270 days":"60% den phá, 120–270 lá","90 days at full pay":"90 lá ar phá iomlán","20 days at full pay":"20 lá ar phá iomlán","1 year per parent, paid by employment insurance":"Bliain amháin in aghaidh an tuismitheora, íoctha ag an árachas fostaíochta","No legal paid sick leave":"Níl saoire bhreoiteachta íoctha reachtúil ann","Annual income tax and social insurance for one employee with the 2026 rates, with the earned income deduction, the personal deduction for you and your children, the deduction of your contributions, and the earned income and child tax credits. Non-taxable allowances (such as meals up to 200,000 won a month), card and housing deductions, other credits and the monthly withholding table are not modelled.":"Cáin ioncaim agus ranníocaíochtaí sóisialta bliantúla fostaí ag rátaí 2026, leis an asbhaint ioncaim tuillte, an asbhaint phearsanta duit féin agus do do leanaí, asbhaint do ranníocaíochtaí agus na creidmheasanna ioncaim tuillte agus leanaí. Ní ríomhtar liúntais saor ó cháin (mar bhéilí suas le 200,000 won sa mhí), asbhaintí cártaí agus tithíochta, creidmheasanna eile ná an tábla míosúil coinneála.","Official sources: National Tax Service and Income Tax Act (rates, earned income deduction and tax credits, retirement income tax), National Pension Service (contribution rate and income limits 2026, A value), National Health Insurance Service (health and long-term care rates 2026), Ministry of Employment and Labor (Labor Standards Act, severance pay, job-seeking benefit limits 2026, maternity and parental leave), Ministry of Health and Welfare (basic pension 2026), Ministry of the Interior and Safety (public holidays), Financial Services Commission (LTV and DSR rules), Statistics Korea (inflation, life tables 2024), World Bank ICP (price levels).":"Foinsí oifigiúla: National Tax Service agus Income Tax Act (rátaí, asbhaint agus creidmheasanna ioncaim tuillte, cáin ar ioncam scoir), National Pension Service (ráta ranníocaíochta agus teorainneacha ioncaim 2026, luach A), National Health Insurance Service (árachas sláinte agus cúraim fhadtéarmaigh 2026), Ministry of Employment and Labor (Labor Standards Act, íocaíocht scoir, teorainneacha sochair dífhostaíochta 2026, saoire mháithreachais agus tuismitheora), Ministry of Health and Welfare (bunphinsean 2026), Ministry of the Interior and Safety (laethanta saoire), Financial Services Commission (rialacha LTV agus DSR), Statistics Korea (boilsciú, táblaí básmhaireachta 2024), an Banc Domhanda ICP (leibhéil praghsanna).","Income tax on 50 million won of taxable income (before credits)":"Cáin ioncaim ar ioncam inchánach 50 milliún won (roimh chreidmheasanna)","Earned income deduction on a total salary of 50 million won":"Asbhaint ioncaim tuillte ag pá iomlán 50 milliún won","Earned income tax credit limit at a total salary of 50 million won":"Teorainn an chreidmheasa ioncaim tuillte ag pá iomlán 50 milliún won","Maximum monthly employee national pension contribution from July 2026":"An ranníocaíocht phinsin mhíosúil is airde ag fostaí ó Iúil 2026","Long-term care premium as a share of the health premium (2026)":"Ranníocaíocht cúraim fhadtéarmaigh mar sciar den ranníocaíocht sláinte (2026)","Job-seeking benefit days after 10 years of insurance, age 40":"Laethanta sochair dífhostaíochta tar éis 10 mbliana árachaithe, aois 40","Maximum daily job-seeking benefit (2026)":"An sochar dífhostaíochta laethúil is airde (2026)","EPF employee contribution 11%":"Ranníocaíocht EPF an fhostaí 11%","SOCSO 0.5% (wages up to RM6,000 a month)":"SOCSO 0.5% (pá suas le RM6,000 sa mhí)","EIS 0.2% (wages up to RM6,000 a month)":"EIS 0.2% (pá suas le RM6,000 sa mhí)","Reliefs (self, EPF, SOCSO/EIS, children)":"Faoisimh (pearsanta, EPF, SOCSO/EIS, leanaí)","Employer EPF, SOCSO and EIS":"Ranníocaíochtaí EPF, SOCSO agus EIS an fhostóra","EPF savings of about {b} at {a}, drawn down evenly over your life expectancy: {m} a month (3% real return assumed). You can withdraw your Retirement Account from 55 as a lump sum or in instalments; EPF withdrawals are not taxed. Private-sector workers get no state pension.":"Iarmhéid EPF de thart ar {b} ag aois {a}, caite go cothrom thar d’ionchas saoil: {m} sa mhí (ag glacadh le toradh réadach 3%). Is féidir do chuntas scoir a tharraingt siar ó aois 55, in aon íocaíocht amháin nó i dtráthchodanna; tá aistarraingtí EPF saor ó cháin. Ní fhaigheann fostaithe san earnáil phríobháideach pinsean stáit.","SOCSO Self-Employment Social Security Scheme (about 1.25% of insured income)":"Slándáil shóisialta SOCSO do dhaoine féinfhostaithe (thart ar 1.25% den ioncam árachaithe)","8 weeks":"8 seachtaine","Termination benefit (10, 15 or 20 days’ wages per year of service; tax-free up to RM10,000 per completed year)":"Sochar foirceanta (10, 15 nó 20 lá pá in aghaidh gach bliain seirbhíse; saor ó cháin suas le RM10,000 in aghaidh na bliana iomláine)","EIS job search allowance: 80% of your insured monthly wage (up to RM6,000) in the first month, then 50%, 40%, 40%, 30% and 30%, for 3 to 6 months depending on your contributions, if you lost your job involuntarily and register on MYFutureJobs":"Liúntas cuardaigh poist EIS: 80% de do phá míosúil árachaithe (suas le RM6,000) sa chéad mhí, ansin 50%, 40%, 40%, 30% agus 30%, ar feadh 3 go 6 mhí ag brath ar ranníocaíochtaí, má chailleann tú do phost i gcoinne do thola agus má chláraíonn tú le MYFutureJobs","Days’ wages per year":"lá pá in aghaidh na bliana","Employment Act 1955 s. 12 (unless the contract gives more)":"Employment Act 1955 alt 12 (mura dtugann an conradh níos mó)","Federal Territory Day":"Lá na Críche Feidearálaí","Hari Raya Aidilfitri (2nd day)":"Hari Raya Aidilfitri (an 2ú lá)","Wesak Day":"Lá Wesak","Agong’s Birthday":"Breithlá an Rí (Agong)","National Day (Merdeka)":"Lá Náisiúnta (Merdeka)","Malaysia Day":"Lá na Malaeisia","Malaysia":"An Mhalaeisia","Residents pay progressive rates from 0% on the first RM5,000 of chargeable income to 30% above RM2 million; incomes up to RM35,000 get a RM400 rebate. Reliefs are deducted first: RM9,000 for yourself, your EPF contributions up to RM4,000, SOCSO and EIS up to RM350 and RM2,000 for each child under 18. Employers deduct tax monthly (PCB) and you file a return for the year.":"Íocann cónaitheoirí rátaí forásacha ó 0% ar an gcéad RM5,000 d’ioncam inchánach go 30% os cionn RM2 mhilliún; faigheann ioncaim suas le RM35,000 lacáiste cánach RM400. Baintear na faoisimh ar dtús: RM9,000 duit féin, do ranníocaíochtaí EPF suas le RM4,000, SOCSO agus EIS suas le RM350 agus RM2,000 in aghaidh gach linbh faoi 18. Asbhaineann an fostóir cáin gach mí (PCB) agus comhdaíonn tú tuairisceán bliantúil.","EPF, SOCSO and EIS":"EPF, SOCSO agus EIS","Malaysians under 60 pay 11% of their wages into the Employees Provident Fund and employers 13% (12% on monthly wages above RM5,000). SOCSO (0.5% for you, 1.75% for the employer) and the Employment Insurance System (0.2% each) apply to wages up to RM6,000 a month. Foreign workers pay 2% EPF from October 2025.":"Íocann Malaeisigh faoi 60 11% dá bpá isteach san Employees Provident Fund agus íocann fostóirí 13% (12% ar phá os cionn RM5,000 sa mhí). Baineann SOCSO (0.5% tusa, 1.75% an fostóir) agus an Employment Insurance System (0.2% an duine) le pá suas le RM6,000 sa mhí. Íocann oibrithe eachtracha 2% EPF ó Dheireadh Fómhair 2025.","Employment Act 1955 s. 60A":"Employment Act 1955 alt 60A","Employees earning up to RM4,000 a month must be paid at least 1.5 times the hourly rate for overtime on normal days, 2 times on rest days and 3 times on public holidays. The normal week is at most 45 hours and overtime at most 104 hours a month. Higher earners follow their contract.":"Íoctar le fostaithe a thuilleann suas le RM4,000 sa mhí 1.5 oiread an ráta in aghaidh na huaire ar a laghad do ragobair ar ghnáthlaethanta, 2 oiread ar laethanta scíthe agus 3 oiread ar laethanta saoire poiblí. Is é 45 uair an ghnáthsheachtain ar a mhéad agus tá teorainn 104 uair sa mhí le ragobair. Leanann tuillteoirí níos airde a gconradh.","104 h / month":"104 uair / mí","Self-employed people pay income tax on their business profit at the resident rates with the same personal reliefs and must join the SOCSO Self-Employment Social Security Scheme (fixed contributions by plan). EPF savings through i-Saraan are voluntary, with a government top-up.":"Íocann daoine féinfhostaithe cáin ioncaim ar a mbrabús ag rátaí cónaitheoirí leis na faoisimh phearsanta chéanna agus caithfidh siad dul isteach i slándáil shóisialta SOCSO do dhaoine féinfhostaithe (ranníocaíochtaí seasta de réir plean). Tá coigilteas EPF trí i-Saraan deonach, le ranníocaíocht ón rialtas.","Your EPF savings (11% from you and 12–13% from your employer) are split into a Retirement Account (75%), a Wellbeing Account (15%) and a Flexible Account (10%). You can withdraw the Retirement Account from 55, as a lump sum or monthly; EPF dividends and withdrawals are tax-free. The minimum retirement age is 60. Private-sector workers get no state pension.":"Roinntear do choigilteas EPF (11% uait agus 12–13% ón bhfostóir) idir cuntas scoir (75%), cuntas folláine (15%) agus cuntas solúbtha (10%). Is féidir an cuntas scoir a tharraingt siar ó aois 55, in aon íocaíocht amháin nó gach mí; tá díbhinní agus aistarraingtí EPF saor ó cháin. Is é 60 an aois scoir íosta. Ní fhaigheann fostaithe san earnáil phríobháideach pinsean stáit.","Contributions to a Private Retirement Scheme (PRS) and deferred annuities give a relief of up to RM3,000 a year. Withdrawals from 55 are tax-free; earlier withdrawals are taxed at 8%.":"Tugann íocaíochtaí isteach i Private Retirement Scheme (PRS) agus i mblianachtaí iarchurtha faoiseamh suas le RM3,000 sa bhliain. Tá aistarraingtí ó aois 55 saor ó cháin; gearrtar 8% ar aistarraingtí níos luaithe.","Private Retirement Scheme (PRS): relief up to RM3,000 a year and tax-free withdrawals from 55. Interest from Malaysian banks is tax-free for individuals.":"Private Retirement Scheme (PRS): faoiseamh suas le RM3,000 sa bhliain agus aistarraingtí saor ó cháin ó aois 55. Tá ús ó bhainc na Malaeisia saor ó cháin do dhaoine aonair.","{h} (replacement holiday)":"{h} (lá saoire ionadach)","The Employment Act gives 8 days of paid annual leave for less than 2 years of service, 12 days for 2 to 5 years and 16 days after 5 years. Kuala Lumpur’s gazetted public holidays are shown (other states differ; employers must give at least 11 paid holidays, including 5 set by law); a holiday on a Sunday moves to Monday. Islamic and lunar dates are shown for the years published.":"Tugann an Employment Act 8 lá saoire íoctha le níos lú ná 2 bhliain seirbhíse, 12 lá le 2 go 5 bliana agus 16 lá tar éis 5 bliana. Taispeántar laethanta saoire oifigiúla Kuala Lumpur (tá stáit eile difriúil; caithfidh fostóirí 11 lá saoire íoctha ar a laghad a thabhairt, 5 cinn acu socraithe le dlí); bogtar lá saoire ar an Domhnach go dtí an Luan. Taispeántar dátaí Ioslamacha agus gealaí do na blianta foilsithe.","98 days":"98 lá","Full pay (after 90 days of service)":"Pá iomlán (tar éis 90 lá fostaíochta)","7 days (married fathers after 12 months of service)":"7 lá (aithreacha pósta tar éis 12 mhí fostaíochta)","14 days a year (18 after 2 years, 22 after 5), plus up to 60 days in hospital":"14 lá sa bhliain (18 tar éis 2 bhliain, 22 tar éis 5), móide suas le 60 lá san ospidéal","Retrenched or terminated (not for misconduct)":"Iomarcaíocht nó foirceannadh (ní mar gheall ar mhí-iompar)","Termination benefits":"Sochair foirceanta","Employees covered by the termination provisions (wages up to RM4,000 a month) with at least 12 months of service get 10 days’ wages for each year under 2 years, 15 days for 2 to 5 years and 20 days from 5 years, pro rata for part years. Compensation for loss of employment is tax-free up to RM10,000 per completed year of service. Notice is 4, 6 or 8 weeks by service unless the contract gives more.":"Faigheann fostaithe atá clúdaithe ag na rialacha foirceanta (pá suas le RM4,000 sa mhí) le 12 mhí fostaíochta ar a laghad 10 lá pá in aghaidh gach bliana faoi 2 bhliain, 15 lá do 2 go 5 bliana agus 20 lá ó 5 bliana, i gcomhréir do bhlianta páirteacha. Tá cúiteamh as post a chailleadh saor ó cháin suas le RM10,000 in aghaidh gach bliana iomláine seirbhíse. Is é 4, 6 nó 8 seachtaine an fógra de réir seirbhíse, mura dtugann an conradh níos mó.","If you lose your job involuntarily, the EIS pays a job search allowance of 80% of your insured monthly wage (up to RM6,000) in the first month, falling to 30% by the sixth, for 3 to 6 months depending on your contributions, while you look for work through MYFutureJobs.":"Má chailleann tú do phost i gcoinne do thola, íocann EIS liúntas cuardaigh poist de 80% de do phá míosúil árachaithe (suas le RM6,000) sa chéad mhí, ag titim go 30% faoin séú mí, ar feadh 3 go 6 mhí ag brath ar ranníocaíochtaí, fad a chuardaíonn tú obair trí MYFutureJobs.","Lifestyle purchases (books, devices, sports, internet) up to RM2,500, medical insurance and a Private Retirement Scheme (up to RM3,000) are among the reliefs that can lower your tax.":"Tá caiteachas ar stíl mhaireachtála (leabhair, gléasanna, spórt, idirlíon) suas le RM2,500, árachas leighis agus Private Retirement Scheme (suas le RM3,000) i measc na bhfaoiseamh a d’fhéadfadh do cháin a laghdú.","Spouses are taxed separately; the RM4,000 relief for a spouse without income and the higher child reliefs for children in higher education or with disabilities are not included.":"Gearrtar cáin ar chéilí ar leithligh; níl an faoiseamh RM4,000 do chéile gan ioncam ná na faoisimh leanaí níos airde do leanaí in ardoideachas nó faoi mhíchumas san áireamh.","10–20 days’ wages per year (wages up to RM4,000)":"10–20 lá pá in aghaidh na bliana (pá suas le RM4,000)","80% falling to 30%, 3–6 months":"80%, ag titim go 30%, 3–6 mhí","98 days at full pay":"98 lá ar phá iomlán","7 days at full pay":"7 lá ar phá iomlán","14–22 days at full pay":"14–22 lá ar phá iomlán","Annual EPF, SOCSO, EIS and resident income tax for one Malaysian employee for YA 2026, with the self, EPF, SOCSO/EIS and child reliefs only. Other reliefs (lifestyle, insurance, medical, education), the exact rounding of the EPF and SOCSO tables, monthly PCB timing, bonuses and the rates for foreign workers are not modelled.":"Ranníocaíochtaí bliantúla EPF, SOCSO agus EIS agus cáin ioncaim fostaí Malaeisigh sa bhliain mheasúnaithe 2026, leis na faoisimh phearsanta, EPF, SOCSO/EIS agus leanaí amháin. Ní ríomhtar faoisimh eile (stíl mhaireachtála, árachas, sláinte, oideachas), slánú beacht tháblaí EPF agus SOCSO, an asbhaint mhíosúil PCB, bónais ná rátaí do dhaoine ón iasacht.","Official sources: Inland Revenue Board of Malaysia (resident tax rates and reliefs YA 2026), Employees Provident Fund (contribution rates from October 2025, accounts and withdrawals), PERKESO/SOCSO (SOCSO and EIS rates and wage ceiling, job search allowance), Ministry of Human Resources (Employment Act 1955, termination benefits, leave, overtime), Prime Minister’s Department (public holidays 2026), Bank Negara Malaysia (housing loan rules), Department of Statistics Malaysia (inflation, life tables 2025), World Bank ICP (price levels).":"Foinsí oifigiúla: Inland Revenue Board of Malaysia (rátaí agus faoisimh bhliain mheasúnaithe 2026), Employees Provident Fund (rátaí ranníocaíochta ó Dheireadh Fómhair 2025, cuntais agus aistarraingtí), PERKESO/SOCSO (rátaí SOCSO agus EIS, uasteorainn pá, liúntas cuardaigh poist), Ministry of Human Resources (Employment Act 1955, sochair foirceanta, saoire, ragobair), Prime Minister’s Department (laethanta saoire 2026), Bank Negara Malaysia (rialacha iasachtaí tithíochta), Department of Statistics Malaysia (boilsciú, táblaí básmhaireachta 2025), an Banc Domhanda ICP (leibhéil praghsanna).","Resident income tax on RM100,000 of chargeable income":"Cáin ioncaim cónaitheora ar ioncam inchánach RM100,000","Resident income tax on RM50,000 of chargeable income":"Cáin ioncaim cónaitheora ar ioncam inchánach RM50,000","Tax on RM30,000 of chargeable income after the RM400 rebate":"Cáin ar ioncam inchánach RM30,000 tar éis an lacáiste RM400","Employer EPF at RM6,000 a month (12% above RM5,000)":"EPF an fhostóra ag RM6,000 sa mhí (12% os cionn RM5,000)","Maximum monthly employee SOCSO and EIS":"An ranníocaíocht mhíosúil SOCSO agus EIS is airde ag fostaí","Termination benefit after 6 years at RM3,000 a month":"Sochar foirceanta tar éis 6 bliana ag RM3,000 sa mhí","ONP pension contribution 13%":"Ranníocaíocht phinsin ONP 13%","AFP: 10% to your account, insurance 1.37% and commission (about 1.55%)":"AFP: 10% chuig do chuntas, árachas 1.37% agus coimisiún (thart ar 1.55%)","Income tax (fifth category)":"Cáin ioncaim (an cúigiú catagóir)","Extraordinary bonus 9% on the July and December bonuses (paid to you)":"Bónas speisialta 9% ar ghratúntais Iúil agus na Nollag (íoctha leat)","Deduction of 7 UIT":"Asbhaint 7 UIT","EsSalud health insurance 9% (employer)":"Árachas sláinte EsSalud 9% (fostóir)","CTS deposits a year (severance fund, not taxed; about one month’s pay)":"Taiscí CTS sa bhliain (ciste scoir, saor ó cháin; thart ar phá míosa amháin)","ONP pension: 30% of your average pay of the last 5 years plus 2% for each year above 20, limited to S/ 600–1,000 a month in 2026: {p} a month.":"Pinsean ONP: 30% de do mheánphá sna 5 bliana deiridh móide 2% in aghaidh gach bliana os cionn 20, teoranta do S/ 600–1,000 sa mhí in 2026: {p} sa mhí.","AFP account of about {b} at {a}, paid as a pension over your life expectancy: {m} a month (3% real return assumed). Since 2025 a minimum pension of S/ 600 applies to AFP members with 20 years of contributions.":"Cuntas AFP de thart ar {b} ag aois {a}, íoctha mar bhlianacht thar d’ionchas saoil: {m} sa mhí (ag glacadh le toradh réadach 3%). Ó 2025 tá pinsean íosta S/ 600 i bhfeidhm do bhaill AFP a bhfuil 20 bliain ranníocaíochtaí acu.","No compulsory contributions for independent workers (voluntary ONP or AFP)":"Níl ranníocaíochtaí éigeantacha do dhaoine féinfhostaithe (ONP nó AFP deonach)","Compensation for arbitrary dismissal (1.5 months’ pay per year, at most 12; not taxed)":"Cúiteamh as dífhostú treallach (pá 1.5 mhí in aghaidh na bliana, 12 ar a mhéad; saor ó cháin)","{m} months’ pay":"{m} pá míosa","No notice: the employer needs a just cause (you give 30 days to resign)":"Gan tréimhse: teastaíonn cúis chóir ón bhfostóir (má éiríonn tú as, tugann tú 30 lá)","D.S. 003-97-TR art. 18 and 22":"D.S. 003-97-TR alt 18 agus 22","Peru has no unemployment insurance; your CTS deposits (about one month’s pay a year) serve as a severance fund.":"Níl árachas dífhostaíochta ag Peiriú; feidhmíonn do thaiscí CTS (thart ar phá míosa amháin sa bhliain) mar chiste scoir.","Peru":"Peiriú","Pension system":"Córas pinsin","AFP (private account)":"AFP (cuntas príobháideach)","ONP (national system)":"ONP (córas poiblí)","Employment income (fifth category) is taxed after deducting 7 UIT (S/ 38,500 in 2026): 8% up to 5 UIT, 14% to 20 UIT, 17% to 35 UIT, 20% to 45 UIT and 30% above. Up to 3 more UIT can be deducted for rent, restaurants and some services paid by card (not included). Employers withhold the tax monthly.":"Gearrtar cáin ar ioncam fostaíochta (an cúigiú catagóir) tar éis asbhaint 7 UIT (S/ 38,500 in 2026): 8% suas le 5 UIT, 14% suas le 20 UIT, 17% suas le 35 UIT, 20% suas le 45 UIT agus 30% os a chionn. Is féidir suas le 3 UIT eile a asbhaint do chíos, bialanna agus seirbhísí áirithe a íoctar le cárta (níl san áireamh). Asbhaineann an fostóir an cháin gach mí.","Bonuses and CTS":"Gratúntais agus CTS","Employees receive two bonuses (gratificaciones) of one month’s pay in July and December, plus an extra 9% of them because no EsSalud contribution is due on them. The employer also deposits the CTS, about one month’s pay a year, in a bank account in May and November; it is not taxed.":"Faigheann fostaithe dhá ghratúntas de phá míosa an ceann in Iúil agus i mí na Nollag, móide 9% breise toisc nach n-íoctar ranníocaíocht EsSalud orthu. Taisceann an fostóir an CTS freisin, thart ar phá míosa amháin sa bhliain, i gcuntas bainc i mBealtaine agus i mí na Samhna; tá sé saor ó cháin.","Pensions":"Pinsin","You choose between the national system ONP (13% of pay) and a private AFP account (10% of pay plus an insurance premium of 1.37% and the AFP’s commission). The employer pays 9% for EsSalud health insurance.":"Roghnaíonn tú idir an córas poiblí ONP (13% den phá) agus cuntas príobháideach AFP (10% den phá móide préimh árachais 1.37% agus coimisiún an AFP). Íocann an fostóir 9% d’árachas sláinte EsSalud.","D.S. 007-2002-TR":"D.S. 007-2002-TR","Overtime is paid at least 25% extra for the first two hours a day and 35% after that. The normal maximum is 8 hours a day or 48 hours a week; overtime is voluntary. Work on the weekly rest day or a public holiday without a day off in exchange is paid double.":"Íoctar ragobair le biseach 25% ar a laghad don chéad dá uair sa lá agus 35% ina dhiaidh sin. Is é 8 n-uaire sa lá nó 48 sa tseachtain na gnáthuaireanta ar a mhéad, agus tá ragobair deonach. Íoctar obair ar an lá scíthe seachtainiúil nó ar lá saoire gan scíth ionadach faoi dhó.","Voluntary; 48 h / week normal":"Deonach; gnáth 48 uair / seachtain","Independent workers":"Daoine féinfhostaithe","Fees (fourth category income) are taxed after deducting 20% (up to 24 UIT) and the 7 UIT, at the same rates as employment income; clients withhold 8% on receipts above S/ 1,500. Pension contributions are voluntary for independent workers.":"Gearrtar cáin ar tháillí (ioncam an cheathrú catagóir) ag na rátaí céanna le hioncam fostaíochta tar éis asbhaint 20% (suas le 24 UIT) agus na 7 UIT; coinníonn cliaint 8% ar admhálacha os cionn S/ 1,500. Tá ranníocaíochtaí pinsin deonach do dhaoine féinfhostaithe.","ONP and AFP":"ONP agus AFP","The ONP pays a pension from 65 after 20 years of contributions: 30% of your average pay of the last five years plus 2% for each further year, between S/ 600 and S/ 1,000 a month in 2026. AFP members receive a pension from their account (or can take most of it as a lump sum); since 2025 a minimum pension applies after 20 years.":"Íocann an ONP pinsean ó aois 65 tar éis 20 bliain ranníocaíochtaí: 30% de do mheánphá sna cúig bliana deiridh móide 2% in aghaidh gach bliana breise, idir S/ 600 agus S/ 1,000 sa mhí in 2026. Faigheann baill AFP pinsean óna gcuntas (nó is féidir leo an chuid is mó a tharraingt siar in aon íocaíocht amháin); ó 2025 tá pinsean íosta i bhfeidhm tar éis 20 bliain.","Voluntary contributions to an AFP account are not deductible from income tax, but their returns are tax-free.":"Ní féidir íocaíochtaí deonacha isteach i gcuntas AFP a asbhaint ón gcáin ioncaim, ach tá a dtoradh saor ó cháin.","Voluntary AFP contributions: no tax deduction, but returns and withdrawals are not taxed. Interest on deposits in Peruvian banks is exempt for individuals until the end of 2026.":"Íocaíochtaí deonacha AFP: gan asbhaint chánach, ach tá toradh agus aistarraingtí saor ó cháin. Tá ús ar thaiscí i mbainc Pheiriú saor ó cháin do dhaoine aonair go dtí deireadh 2026.","Holy Thursday":"Déardaoin Mandála","Battle of Arica and Flag Day":"Cath Arica agus Lá na Brataí","Saints Peter and Paul":"Naomh Peadar agus Naomh Pól","Peruvian Air Force Day":"Lá Aerfhórsa Pheiriú","Independence Day (2nd day)":"Lá an Neamhspleáchais (an 2ú lá)","Battle of Junín":"Cath Junín","Saint Rose of Lima":"Naomh Rósa Lima","Battle of Angamos":"Cath Angamos","Battle of Ayacucho":"Cath Ayacucho","Employees who worked a full year get 30 calendar days of paid holiday (about 22 working days on a 5-day week); they can sell up to 15 of them back to the employer. There are 16 national public holidays; those on weekends are not moved.":"Má oibríodh bliain iomlán tá 30 lá féilire saoire íoctha ann (thart ar 22 lá oibre le seachtain 5 lá); is féidir suas le 15 díobh a dhíol leis an bhfostóir. Tá 16 lá saoire náisiúnta ann; má thiteann siad ar an deireadh seachtaine ní bhogtar iad.","100% of pay (EsSalud subsidy)":"100% den phá (sochar EsSalud)","10 calendar days":"10 lá féilire","The employer pays the first 20 days a year, then EsSalud":"Íocann an fostóir an chéad 20 lá den bhliain, ansin EsSalud","Arbitrary dismissal":"Dífhostú treallach","An employer may dismiss only for a just cause related to conduct or capacity. Without one, an employee on an open-ended contract receives 1.5 months’ pay for each full year of service (pro rata for months), at most 12 months’ pay, tax-free. You also keep your CTS fund and receive the unpaid part of the bonuses and holiday pay.":"Ní féidir le fostóir dífhostú ach ar chúis chóir a bhaineann le hiompar nó le cumas. Gan í, faigheann fostaí buan pá 1.5 mhí in aghaidh gach bliana iomláine seirbhíse (i gcomhréir do mhíonna), suas le pá 12 mhí, saor ó cháin. Coinníonn tú do chiste CTS freisin agus faigheann tú an chuid atá dlite de na gratúntais agus den phá saoire.","Ask for an electronic receipt when you pay rent, restaurants or some professional services: 20% of these can be deducted, up to 3 UIT a year.":"Iarr admháil leictreonach nuair a íocann tú cíos, bialanna nó seirbhísí áirithe: tá 20% inasbhainte, suas le 3 UIT sa bhliain.","Spouses are taxed separately and there is no allowance for children; the family allowance (10% of the minimum wage for workers with children, paid by many employers) is not included.":"Gearrtar cáin ar chéilí ar leithligh agus níl liúntas leanaí ann; níl an liúntas teaghlaigh (10% den phá íosta d’fhostaithe a bhfuil leanaí acu, a íocann go leor fostóirí) san áireamh.","1.5 months’ pay per year, at most 12":"Pá 1.5 mhí in aghaidh na bliana, 12 ar a mhéad","None (just cause needed)":"Dada (teastaíonn cúis chóir)","No unemployment insurance (CTS fund)":"Níl árachas dífhostaíochta ann (ciste CTS)","100% (employer, then EsSalud)":"100% (fostóir, ansin EsSalud)","Annual pension contributions and income tax for one employee with the 2026 rules (UIT S/ 5,500), with the two bonuses and their 9% extra. The additional 3 UIT deduction for expenses, AFP commissions by fund, the cap on the insurance premium, the family allowance and the CTS fund itself are not modelled.":"Ranníocaíochtaí pinsin agus cáin ioncaim bhliantúla fostaí faoi rialacha 2026 (UIT S/ 5,500), leis an dá ghratúntas agus a 9% breise. Ní ríomhtar an asbhaint bhreise 3 UIT do chaiteachas, coimisiúin gach AFP, uasteorainn na préimhe árachais, an liúntas teaghlaigh ná an ciste CTS féin.","Official sources: SUNAT and Ley del Impuesto a la Renta (fifth and fourth category rates), Ministry of Economy and Finance (UIT 2026, D.S. 301-2025-EF), SBS (AFP contributions, insurance premium and commissions), ONP (minimum and maximum pensions 2026, Ley 32123), Ministry of Labour (gratificaciones, CTS, dismissal, working hours, holidays, leave), EsSalud (health insurance and maternity subsidy), Central Reserve Bank of Peru (exchange rate), INEI (inflation), World Bank ICP (price levels).":"Foinsí oifigiúla: SUNAT agus Ley del Impuesto a la Renta (rátaí an chúigiú agus an cheathrú catagóir), an Aireacht Eacnamaíochta agus Airgeadais (UIT 2026, D.S. 301-2025-EF), SBS (ranníocaíochtaí AFP, préimh árachais agus coimisiúin), ONP (pinsin íosta agus uasta 2026, Ley 32123), an Aireacht Saothair (gratúntais, CTS, dífhostú, uaireanta, laethanta saoire, saoire), EsSalud (árachas sláinte agus sochar máithreachais), Banc Ceannais Pheiriú (ráta malairte), INEI (boilsciú), an Banc Domhanda ICP (leibhéil praghsanna).","Income tax on S/ 100,000 of employment income (after 7 UIT)":"Cáin ioncaim ar S/ 100,000 d’ioncam fostaíochta (tar éis 7 UIT)","Tax-free amount (7 UIT) in 2026":"Méid saor ó cháin (7 UIT) in 2026","ONP contribution rate":"Ráta ranníocaíochta ONP","Maximum ONP pension a month (2026)":"An pinsean míosúil ONP is airde (2026)","Compensation for arbitrary dismissal after 10 years (months of pay)":"Cúiteamh as dífhostú treallach tar éis 10 mbliana (pá míosa)","Pension contribution 15% (BPS and AFAP)":"Ranníocaíocht phinsin 15% (BPS agus AFAP)","FONASA health insurance":"Árachas sláinte FONASA","Labour Reconversion Fund 0.1%":"Ciste Athoiliúna Saothair 0.1%","IRPF income tax":"Cáin IRPF","Employer contributions (pension 7.5%, FONASA 5%, FRL and FGCL)":"Ranníocaíochtaí an fhostóra (pinsean 7.5%, FONASA 5%, FRL agus FGCL)","Estimate: {r} of your average pay of the last 20 years ({p} a month), paid 13 times a year. The actual pension combines the BPS benefit and the AFAP annuity under Ley 20.130, with a supplement for low pensions.":"Meastachán: {r} de do mheánphá sna 20 bliain deiridh ({p} sa mhí), íoctha 13 huaire sa bhliain. Comhcheanglaíonn an pinsean iarbhír sochar BPS agus blianacht AFAP faoi Ley 20.130, le forlíonadh do phinsin ísle.","Pension and FONASA contributions on a notional category (estimate)":"Ranníocaíochtaí pinsin agus FONASA ar chatagóir bhréige (meastachán)","Dismissal compensation (one month’s pay per year or part year, at most 6; not taxed)":"Cúiteamh dífhostaithe (pá míosa amháin in aghaidh gach bliana nó cuid di, 6 ar a mhéad; saor ó cháin)","Unemployment insurance for 6 months: 66% of your average pay in the first month, falling to 40% in the sixth, if you contributed for at least 6 months in the last 12":"Árachas dífhostaíochta ar feadh 6 mhí: 66% de do mheánphá sa chéad mhí, ag titim go 40% faoin séú mí, má tá 6 mhí ranníocaíochtaí ar a laghad agat sna 12 mhí deiridh","No legal notice period":"Níl fógra reachtúil ann","Ley 10.489 (compensation instead of notice)":"Ley 10.489 (cúiteamh in ionad fógra)","Uruguay":"Uragua","Employment income is taxed monthly on a scale in BPC ($6,864 in 2026): nothing up to 7 BPC, then 10% to 36% above 115 BPC; income above 10 BPC is first increased by 6%. Your contributions, $11,440 a month for each child and other deductions reduce the tax at 14% (8% if you earn more than 15 BPC a month). An annual return can settle differences.":"Gearrtar cáin ar ioncam fostaíochta gach mí de réir scála in BPC ($6,864 in 2026): faic suas le 7 BPC, ansin 10% go 36% os cionn 115 BPC; méadaítear ioncam os cionn 10 BPC 6% ar dtús. Laghdaíonn do ranníocaíochtaí, $11,440 sa mhí in aghaidh an linbh agus asbhaintí eile an cháin ag 14% (8% má thuilleann tú níos mó ná 15 BPC sa mhí). Socraíonn tuairisceán bliantúil na difríochtaí.","You pay 15% for your pension (to the BPS and, above the first band, to your AFAP account), 3–6% for FONASA health insurance (more with children or a spouse covered) and 0.1% to the labour fund. The employer pays 7.5% for pensions, 5% for FONASA and small funds. A 13th salary (aguinaldo) is paid in June and December.":"Íocann tú 15% don phinsean (chuig BPS agus, os cionn an chéad bhanda, chuig do chuntas AFAP), 3–6% d’árachas sláinte FONASA (níos mó le leanaí nó páirtí clúdaithe) agus 0.1% chuig an gciste saothair. Íocann an fostóir 7.5% don phinsean, 5% do FONASA agus cistí beaga. Íoctar 13ú pá (aguinaldo) i mí an Mheithimh agus i mí na Nollag.","Ley 15.996":"Ley 15.996","Overtime on working days is paid double (100% extra) and on rest days and public holidays 150% extra. Overtime is limited to 8 hours a week. Night work from 22:00 to 06:00 of at least 5 hours earns at least 20% extra (Ley 19.313).":"Íoctar ragobair ar laethanta oibre faoi dhó (biseach 100%), agus ar laethanta scíthe agus saoire le biseach 150%. Tá teorainn 8 n-uaire sa tseachtain le ragobair. Tugann obair oíche ó 22:00 go 06:00 ar feadh 5 uair ar a laghad biseach 20% ar a laghad (Ley 19.313).","8 h / week":"8 n-uaire / seachtain","Professionals":"Gairmithe","Self-employed professionals pay IRPF on their fees after a notional 30% for expenses (or IRAE if they choose), plus contributions to their professional pension fund or the BPS on a chosen category and FONASA. Small businesses can use the monotributo instead.":"Íocann gairmithe neamhspleácha IRPF ar a dtáillí tar éis 30% seasta do chostais (nó IRAE más rogha leo), móide ranníocaíochtaí lena gciste gairmiúil nó le BPS i gcatagóir roghnaithe agus le FONASA. Is féidir le gnólachtaí beaga an monotributo a úsáid ina ionad.","Under the 2023 reform (Ley 20.130) the retirement age rises gradually to 65 for people born from 1973, with at least 30 years of service. The pension combines a BPS benefit and an annuity from your AFAP account, with a supplement that raises low pensions; working after the minimum age raises it.":"Leis an athchóiriú in 2023 (Ley 20.130), ardaíonn an aois scoir de réir a chéile go 65 dóibh siúd a rugadh ó 1973, le 30 bliain seirbhíse ar a laghad. Comhcheanglaíonn an pinsean sochar BPS agus blianacht ó do chuntas AFAP, le forlíonadh a ardaíonn pinsin ísle; méadaíonn obair tar éis na haoise íosta é.","Voluntary savings in an AFAP account are not deductible from IRPF.":"Ní féidir coigilteas deonach i gcuntas AFAP a asbhaint ón IRPF.","Voluntary AFAP savings: no tax deduction. Interest on bank deposits is taxed at 12% under IRPF (lower rates for some peso deposits).":"Coigilteas deonach AFAP: gan asbhaint chánach. Gearrtar 12% IRPF ar ús ó thaiscí bainc (rátaí níos ísle do roinnt taiscí i bpesos).","Family Day (Christmas)":"Lá an Teaghlaigh (Nollaig)","Employees get 20 working days of paid leave a year, plus 1 day for every 4 years of service from the 5th year, and a vacation bonus (salario vacacional) of about the net pay for those days. Only 5 public holidays are paid days off; Carnival, Tourism Week and the other holidays are working days unless agreed otherwise.":"Tá 20 lá oibre saoire íoctha sa bhliain ag fostaithe, le lá breise gach 4 bliana ón 5ú bliain seirbhíse, agus pá saoire (salario vacacional) de thart ar an nglanphá do na laethanta sin. Níl ach 5 lá saoire ina laethanta saoire íoctha; is laethanta oibre iad an Carnabhal, Seachtain na Turasóireachta agus na laethanta saoire eile mura gcomhaontaítear a mhalairt.","100% of pay (BPS)":"100% den phá (BPS)","13 days (3 from the employer, 10 from the BPS)":"13 lá (3 ón bhfostóir, 10 ó BPS)","Part-time parental care":"Páirtaimseartha le haghaidh cúraim","Half-time work until the baby is 6 months old":"Obair leathlae go dtí go mbíonn an leanbh 6 mhí d’aois","Full pay (BPS pays the half not worked)":"Pá iomlán (íocann BPS an leath nach n-oibrítear)","From the 4th day":"Ón 4ú lá","70% of pay (BPS)":"70% den phá (BPS)","Dismissed":"Dífhostú","Dismissal and unemployment":"Dífhostú agus dífhostaíocht","A dismissed monthly-paid employee receives one month’s pay for each year or part year of service, up to 6 months, tax-free; there is no notice period. Unemployment insurance pays monthly-paid workers 66% of their average pay in the first month, falling to 40% in the sixth, after at least 6 months of contributions in the last 12.":"Faigheann fostaí míosúil a dhífhostaítear pá míosa amháin in aghaidh gach bliana nó cuid de bhliain seirbhíse, 6 ar a mhéad, saor ó cháin; níl fógra ann. Íocann an t-árachas dífhostaíochta 66% dá meánphá le fostaithe míosúla sa chéad mhí, ag titim go 40% faoin séú mí, tar éis 6 mhí ranníocaíochtaí ar a laghad sna 12 mhí deiridh.","Each child under 18 adds $11,440 a month to your IRPF deductions, which lower the tax by 14% of that amount (8% if you earn more than 15 BPC a month).":"Méadaíonn gach leanbh faoi 18 do chuid asbhaintí IRPF $11,440 sa mhí, a laghdaíonn an cháin 14% den mhéid sin (8% má thuilleann tú níos mó ná 15 BPC sa mhí).","Couples can file IRPF jointly when both have income below a limit (not modelled). The child deduction of 20 BPC a year is split between the parents; family allowances are not included.":"Is féidir le lánúineacha IRPF a chomhdú le chéile má tá an bheirt faoi theorainn ioncaim (níl sé ríofa). Roinntear an asbhaint leanaí de 20 BPC sa bhliain idir na tuismitheoirí; níl sochair teaghlaigh san áireamh.","One month per year, at most 6":"Pá míosa amháin in aghaidh na bliana, 6 ar a mhéad","66% falling to 40%, 6 months":"66%, ag titim go 40%, 6 mhí","14 weeks at full pay":"14 seachtaine ar phá iomlán","13 days at full pay":"13 lá ar phá iomlán","Half-time until 6 months":"Leathlá go dtí 6 mhí","70% from day 4":"70% ón 4ú lá","Monthly IRPF and contributions for one employee with the 2026 values (BPC $6,864), for 12 salaries plus the aguinaldo. The pension contribution ceiling is an estimate; the FONASA spouse rate and annual cap, other deductions (rent, solidarity fund), the vacation bonus and the annual IRPF settlement are not modelled.":"IRPF agus ranníocaíochtaí míosúla fostaí le luachanna 2026 (BPC $6,864), do 12 phá móide an aguinaldo. Is meastachán é uasteorainn na ranníocaíochtaí pinsin; ní ríomhtar ráta FONASA don chéile ná an uasteorainn bhliantúil, asbhaintí eile (cíos, Ciste Dlúthpháirtíochta), an pá saoire ná réiteach bliantúil IRPF.","Official sources: Banco de Previsión Social (IRPF scales and values 2026, comunicado R 5/2026; contribution rates; unemployment insurance; maternity and paternity leave), Dirección General Impositiva (IRPF), Decree 11/026 (BPC 2026), Ministry of Labour and Social Security (holidays, leave, dismissal, overtime), Ley 20.130 (pension reform), Central Bank of Uruguay (exchange rate), INE (inflation), World Bank ICP (price levels).":"Foinsí oifigiúla: Banco de Previsión Social (scálaí agus luachanna IRPF 2026, cumarsáid R 5/2026; rátaí ranníocaíochta; árachas dífhostaíochta; saoire mháithreachais agus athardhachta), Dirección General Impositiva (IRPF), Foraithne 11/026 (BPC 2026), an Aireacht Saothair agus Leasa Shóisialaigh (laethanta saoire, saoire, dífhostú, ragobair), Ley 20.130 (athchóiriú pinsean), Banc Ceannais Uragua (ráta malairte), INE (boilsciú), an Banc Domhanda ICP (leibhéil praghsanna).","IRPF scale on $100,000 of monthly income (before deductions and the 6% increase)":"Scála IRPF ar ioncam míosúil $100,000 (roimh asbhaintí agus an méadú 6%)","Monthly tax-free minimum (7 BPC)":"Íosmhéid míosúil neamhinchánach (7 BPC)","Monthly deduction for a child (20 BPC a year)":"Asbhaint mhíosúil do leanbh amháin (20 BPC sa bhliain)","Dismissal compensation after 10 years (months of pay)":"Cúiteamh dífhostaithe tar éis 10 mbliana (pá míosa)","Your voluntary MPF contributions":"Do ranníocaíochtaí deonacha MPF","Your IRP and pension savings":"Do IRP agus do choigilteas scoir","Your PRS":"Do PRS","Ad valorem stamp duty (Scale 2, rates from 26 February 2026)":"Dleacht stampála ad valorem (Scála 2, rátaí ó 26 Feabhra 2026)","Solicitor, land registry and mortgage fees (estimate)":"Dlíodóir, clárlann talún agus táillí morgáiste (meastachán)","Acquisition tax (1% up to 600 million won, rising to 3% at 900 million) and local education tax":"Cáin éadála (1% suas le 600 milliún won, ag ardú go 3% ag 900 milliún) agus cáin oideachais áitiúil","Registration, housing bond, broker and loan fees (estimate, about 0.6%)":"Clárú, banna tithíochta, gníomhaire agus táillí iasachta (meastachán, thart ar 0.6%)","Stamp duty on the transfer: exempt for a Malaysian first-time buyer up to RM500,000":"Dleacht stampála ar aistriú: díolúine do cheannaitheoirí céadtí Malaeisigh suas le RM500,000","Stamp duty on the transfer (1% to 4%)":"Dleacht stampála ar aistriú (1% go 4%)","Stamp duty on the loan agreement 0.5%":"Dleacht stampála ar chomhaontú iasachta 0.5%","Legal fees for the sale and the loan (estimate, about 1%)":"Táillí dlí don cheannach agus don iasacht (meastachán, thart ar 1%)","Not modelled: home loan interest is deductible from salaries tax up to $100,000 a year for up to 20 years of assessment.":"Níl sé ríofa: is féidir ús morgáiste a asbhaint ó Salaries Tax suas le $100,000 sa bhliain ar feadh suas le 20 bliain mheasúnaithe.","Not modelled: interest on a long-term mortgage for a modest home can be deducted from income, under conditions on the loan, the home price and your situation.":"Níl sé ríofa: is féidir ús ar mhorgáiste fadtéarmach do theach measartha a asbhaint ón ioncam faoi choinníollacha maidir leis an iasacht, an praghas agus do chás.","Not modelled: Malaysian first-time buyers of a home up to RM750,000 bought in 2025–2027 can deduct up to RM7,000 of loan interest a year for 3 years (RM5,000 above RM500,000).":"Níl sé ríofa: is féidir le ceannaitheoirí céadtí Malaeisigh a cheannaíonn teach suas le RM750,000 in 2025–2027 suas le RM7,000 úis sa bhliain a asbhaint ar feadh 3 bliana (RM5,000 os cionn RM500,000).","Hong Kong Monetary Authority: since October 2024 loans for any residential property are at most 70% of the value and debt servicing at most 50% of income; the Mortgage Insurance Programme lets banks lend more for some first homes.":"Hong Kong Monetary Authority: ó Dheireadh Fómhair 2024 is é 70% den luach an iasacht is mó ar aon mhaoin chónaithe agus is é 50% den ioncam an tseirbhís fiachais is mó; ligeann an Mortgage Insurance Programme do bhainc níos mó a thabhairt ar iasacht do roinnt céadtithe.","Financial Services Commission: loans at most 70% of the value outside regulated areas (40% in regulated areas such as Seoul), and all debt payments at most 40% of income under the stress DSR rules.":"Financial Services Commission: iasachtaí suas le 70% den luach lasmuigh de limistéir rialáilte (40% i limistéir rialáilte cosúil le Seoul) agus aisíocaíochtaí na bhfiach go léir le chéile suas le 40% den ioncam faoi rialacha DSR faoi strus.","Bank Negara Malaysia: at most 70% of the value for a third or later housing loan; first and second homes usually up to 90%, with debt service limits set by each bank (often 60–70% of net income).":"Bank Negara Malaysia: suas le 70% den luach don tríú iasacht tithíochta nó ina dhiaidh; maoinítear an chéad agus an dara teach de ghnáth suas le 90%, le teorainneacha seirbhíse fiachais a shocraíonn gach banc (go minic 60–70% den ghlanioncam).","Statutory holidays on weekdays in 2026 (with days in lieu)":"Laethanta saoire reachtúla ar laethanta oibre in 2026 (le laethanta ionadacha)","Public holidays on weekdays in 2026 (with substitute holidays and Workers’ Day)":"Laethanta saoire ar laethanta oibre in 2026 (le laethanta saoire ionadacha agus Lá an Lucht Oibre)","Annual leave after one year (days)":"Saoire bhliantúil tar éis bliana (laethanta)","Kuala Lumpur public holidays on weekdays in 2026 (with replacement days)":"Laethanta saoire Kuala Lumpur ar laethanta oibre in 2026 (le laethanta ionadacha)","Ad valorem stamp duty on a $10,000,000 home":"Dleacht stampála ad valorem ar theach $10,000,000","Acquisition tax and education tax on an 800 million won home":"Cáin éadála agus oideachais ar theach 800 milliún won","Stamp duty on the transfer of a RM600,000 home (not a first home)":"Dleacht stampála ar aistriú tí RM600,000 (ní céadteach)","MPF is projected with a 3% real return on the mandatory contributions and drawn down evenly over your life expectancy; actual returns depend on your funds and fees. The means-tested Old Age Living Allowance is not included.":"Teilgtear an MPF le toradh réadach 3% ar na ranníocaíochtaí éigeantacha agus caitear go cothrom é thar d’ionchas saoil; braitheann torthaí iarbhír ar do chistí agus ar tháillí. Níl an Old Age Living Allowance atá bunaithe ar acmhainn san áireamh.","Estimate: the national pension uses the 2026 replacement rate of 43% for all your years and your average pay in today’s money; older periods had higher rates and the official revaluation is not applied. Your National Pension Service statement gives your own figure.":"Meastachán: úsáideann an pinsean stáit ráta athsholáthair 43% 2026 do do bhlianta go léir agus do do mheánphá in airgead an lae inniu; bhí rátaí níos airde ag tréimhsí níos luaithe agus ní chuirtear an t-athluacháil oifigiúil i bhfeidhm. Tugann do ráiteas ón National Pension Service do mhéid féin.","EPF is projected with a 3% real return (dividends have been around 5–6% a year) and drawn down evenly over your life expectancy; withdrawals for housing, education or health before 55 reduce it.":"Teilgtear an EPF le toradh réadach 3% (bhí díbhinní thart ar 5–6% sa bhliain) agus caitear go cothrom é thar d’ionchas saoil; laghdaíonn aistarraingtí do thithíocht, oideachas nó sláinte roimh 55 é.","Severance pay uses your monthly gross as the average wage; bonuses and allowances in the last three months can raise it. The job-seeking benefit days assume your years of service are your insured period.":"Úsáideann an íocaíocht scoir do phá comhlán míosúil mar mheánphá; d’fhéadfadh bónais agus liúntais na dtrí mhí deiridh í a mhéadú. Glacann laethanta an tsochair dífhostaíochta leis gurb ionann do bhlianta seirbhíse agus do thréimhse árachaithe.","Statutory termination benefits apply to wages up to RM4,000 a month; above that the contract decides. The job search allowance assumes contributions in every month of the last two years for 6 months (3 months for less than 2 years of service).":"Baineann sochair foirceanta reachtúla le pá suas le RM4,000 sa mhí; os a chionn sin is é an conradh a chinneann. Teastaíonn ranníocaíochtaí gach mí sa dá bhliain dheireanacha le haghaidh 6 mhí den liúntas cuardaigh poist (3 mhí le níos lú ná 2 bhliain seirbhíse).","Your voluntary AFP savings":"Do choigilteas deonach AFP","Your voluntary AFAP savings":"Do choigilteas deonach AFAP","Alcabala 3% on the value above 10 UIT (S/ 55,000), paid by the buyer":"Alcabala 3% ar an luach os cionn 10 UIT (S/ 55,000), íoctha ag an gceannaitheoir","Notary, public registry and loan fees (estimate, about 1%)":"Nótaire, clár poiblí agus táillí iasachta (meastachán, thart ar 1%)","Property transfer tax (ITP) 2% paid by the buyer":"Cáin aistrithe maoine (ITP) 2% íoctha ag an gceannaitheoir","Notary fees incl. VAT and registry (estimate, about 4%)":"Táillí nótaire lena n-áirítear CBL agus clárlann (meastachán, thart ar 4%)","No relief for a home you live in (social housing programmes have their own subsidies).":"Níl faoiseamh ann don teach ina gcónaíonn tú (tá a bhfóirdheontais féin ag cláir tithíochta sóisialta).","No binding loan-to-value limits: banks usually lend up to 80–90% of the value (Fondo MiVivienda programmes for lower prices) and keep the payment at about 30–40% of income.":"Níl teorainneacha ceangailteacha iasachta ann: tugann bainc de ghnáth suas le 80–90% den luach ar iasacht (cláir Fondo MiVivienda do phraghsanna níos ísle) agus coinníonn siad an íocaíocht thart ar 30–40% den ioncam.","No binding loan-to-value limits: the BHU and banks usually lend up to 80–90% of the value in indexed units (UI) and keep the payment at about 30% of household income.":"Níl teorainneacha ceangailteacha iasachta ann: tugann an BHU agus bainc de ghnáth suas le 80–90% den luach ar iasacht in aonaid innéacsaithe (UI) agus coinníonn siad an íocaíocht thart ar 30% d’ioncam an teaghlaigh.","Paid non-working holidays on weekdays in 2026":"Laethanta saoire íoctha neamhoibre ar laethanta oibre in 2026","Alcabala on a S/ 500,000 home":"Alcabala ar theach S/ 500,000","Property transfer tax paid by the buyer on a $5,000,000 home":"Cáin aistrithe an cheannaitheora ar theach $5,000,000","ONP pensions follow the 2026 minimum and maximum; the reduced pensions for 10 to 19 years of contributions under Ley 32123 are not modelled. AFP accounts are projected with a 3% real return; actual returns and annuity rates vary.":"Leanann pinsin ONP íosmhéid agus uasmhéid 2026; ní ríomhtar na pinsin laghdaithe do 10 go 19 mbliana ranníocaíochtaí faoi Ley 32123. Teilgtear cuntais AFP le toradh réadach 3%; athraíonn torthaí iarbhír agus rátaí blianachta.","Estimate: the pension uses a simplified rate on your recent average pay; the actual Ley 20.130 calculation combines the BPS benefit, the AFAP annuity and a supplement for low pensions. Your BPS history statement gives your recorded years.":"Meastachán: úsáideann an pinsean ráta simplithe ar do mheánphá le déanaí; comhcheanglaíonn an ríomh iarbhír faoi Ley 20.130 sochar BPS, blianacht AFAP agus forlíonadh do phinsin ísle. Taispeánann do ráiteas staire BPS na blianta atá cláraithe agat.","The unemployment insurance maximum is estimated; the legal minimum and maximum are set in BPC and updated every year.":"Is meastachán é uasteorainn an árachais dífhostaíochta; socraítear an t-íosmhéid agus an t-uasmhéid dlíthiúil in BPC agus nuashonraítear iad gach bliain.","Overtime is taxed and insured like normal pay, at your marginal IRPEF rate. In 2026 night, holiday, rest-day and shift premiums pay a 15% flat tax instead of IRPEF on up to €1,500 a year if your 2025 income was at most €40,000; this is included here (INPS is still due).":"Gearrtar cáin agus ranníocaíochtaí ar ragobair mar a ghearrtar ar ghnáthphá, ag do ráta imeallach IRPEF. In 2026, íocann préimheanna oíche, saoire phoiblí, lá scíthe agus obair shealaíochta cáin chothrom 15% in ionad IRPEF ar suas le €1,500 sa bhliain má bhí d’ioncam in 2025 €40,000 nó níos lú; tá sé seo san áireamh anseo (tá ranníocaíochtaí INPS fós dlite).","weekend · replaced by another day off":"deireadh seachtaine · lá saor eile ina áit","national, on working days, + 1 replacement day":"náisiúnta, ar laethanta oibre, + 1 lá ionaid","national, on working days, + {0} replacement days":"náisiúnta, ar laethanta oibre, + {0} lá ionaid","60% (67% with children) of a standard net pay: gross up to the pension ceiling less a flat 20% for social insurance, wage tax and solidarity surcharge; for 12 months, up to 24 from age 58 with long insurance. Resigning triggers a 12-week block.":"60% (67% le leanaí) de ghlanphá caighdeánaithe: an pá comhlán suas le huasteorainn an árachais pinsin lúide 20% cothrom do ranníocaíochtaí sóisialta, cáin pá agus forlíontán dlúthpháirtíochta; ar feadh 12 mhí, suas le 24 ó aois 58 le hárachas fada. Má éiríonn tú as do phost féin, bíonn bac 12 seachtaine ann.","Paid public holidays in 2026, including replacement days":"Laethanta saoire poiblí íoctha in 2026, laethanta ionaid san áireamh","Public holidays on weekdays in 2026, half days counted as ½":"Laethanta saoire poiblí ar laethanta oibre in 2026, leathlá comhairthe mar ½","Unemployment benefit (ALG I) a month after €4,500 a month, class I, no children":"Sochar dífhostaíochta (ALG I) in aghaidh na míosa tar éis €4,500 sa mhí, aicme I, gan leanaí","Net per year, €4,000 × 14 (Vienna)":"Glan in aghaidh na bliana, €4,000 × 14 (Vín)","Net from 8 overtime hours a month at +50% (€4,000 × 14)":"Glan ó 8 n-uair ragoibre sa mhí ag +50% (€4,000 × 14)","Tax reduction for 8 overtime hours a month at +50% (€4,000 × 13)":"Laghdú cánach ar 8 n-uair ragoibre sa mhí ag +50% (€4,000 × 13)","Share of overtime kept with a basic wage of €350 a week":"An sciar den ragobair a choinníonn tú le bunphá €350 sa tseachtain","State incentive on €720 of third-pillar contributions":"Dreasacht stáit ar €720 de ranníocaíochtaí sa tríú colún","KiwiSaver government contribution a year (income NZ$78,000)":"Ranníocaíocht an rialtais le KiwiSaver sa bhliain (ioncam NZ$78,000)","Tax credit for €1,200 of PS premiums without capital income":"Creidmheas cánach ar €1,200 de phréimheanna PS gan ioncam caipitil","Voluntary overtime paid gross = net (up to 240 h a year, from April 2026)":"Ragobair dheonach íoctha comhlán = glan (suas le 240 uair sa bhliain, ó Aibreán 2026)","Overtime is taxed like pay, but overtime with a premium gives a tax reduction of 66.81% of its taxable base pay (57.75% with a 20% premium) for up to 180 hours a year; it is included here. Voluntary overtime of up to 240 hours a year can be paid gross = net from April 2026, without premium, social security or tax: tick the box to use it.":"Gearrtar cáin ar ragobair mar phá, ach tugann ragobair le préimh laghdú cánach de 66.81% dá bhunphá inchánach (57.75% le préimh 20%) do suas le 180 uair sa bhliain; tá sé seo san áireamh anseo. Ó Aibreán 2026, is féidir ragobair dheonach suas le 240 uair sa bhliain a íoc comhlán = glan, gan préimh, ranníocaíochtaí ná cáin: cuir tic sa bhosca chun é a úsáid.","Voluntary overtime (gross = net)":"Ragobair dheonach (comhlán = glan)","20 days on a 5-day week (4 weeks), earned by working the previous year; in your first job you can take European supplementary leave. Holiday pay: your normal pay plus double holiday pay of 92% of a month. 10 public holidays; one falling on a Sunday or on your usual day off is replaced by another day off.":"20 lá ar sheachtain 5 lá (4 seachtaine), tuillte trí obair na bliana roimhe sin; i do chéad phost is féidir leat saoire fhorlíontach Eorpach a thógáil. Pá saoire: do ghnáthphá móide pá saoire dúbailte de 92% de mhí. 10 lá saoire poiblí; má thiteann ceann ar an Domhnach nó ar do ghnáthlá saor, cuirtear lá saor eile ina áit.","26 working days a year (5-day week), whatever your age; collective agreements may add more. 11 public holidays; one falling on a Sunday or on a day you do not normally work gives a replacement day within 3 months.":"26 lá oibre sa bhliain (seachtain 5 lá), is cuma cén aois thú; féadfaidh comhaontuithe comhchoiteanna níos mó a thabhairt. 11 lá saoire poiblí; má thiteann ceann ar an Domhnach nó ar lá nach n-oibríonn tú de ghnáth, faigheann tú lá ionaid laistigh de 3 mhí.","I work in Vienna (housing contribution 0.75%)":"Oibrím i Vín (ranníocaíocht tithíochta 0.75%)","The premiums for the first 15 overtime hours a month (up to 50% of base pay) are tax-free up to €170 a month in 2026 (10 hours and €120 from 2027), and Sunday, holiday and night premiums up to €400 a month; both are included here. Social insurance is still due on them.":"Tá na préimheanna don chéad 15 uair ragoibre sa mhí (suas le 50% den bhunphá) saor ó cháin suas le €170 sa mhí in 2026 (10 n-uaire agus €120 ó 2027), agus préimheanna Domhnaigh, saoire phoiblí agus oíche suas le €400 sa mhí; tá an dá cheann san áireamh anseo. Tá árachas sóisialta fós dlite orthu.","6% health insurance (since June 2025), wage tax with the pensioner credit; the 13th and 14th payments are taxed at 6%. Low pensions are topped up to the equalisation supplement (Ausgleichszulage).":"Árachas sláinte 6% (ó Mheitheamh 2025), cáin pá leis an gcreidmheas do phinsinéirí; gearrtar 6% ar an 13ú agus an 14ú híocaíocht. Cuirtear le pinsin ísle go dtí an forlíontán cothromaithe (Ausgleichszulage).","Overtime is not part of the basic wage, so it pays no social security. With a basic weekly wage of at most €375, the first €10,000 of overtime a year is taxed at a flat 15%; otherwise it is taxed at your marginal rate. Both are included here.":"Ní cuid den bhunphá é an ragobair, mar sin ní íoctar ranníocaíochtaí sóisialta air. Le bunphá €375 sa tseachtain nó níos lú, gearrtar ráta cothrom 15% ar an gcéad €10,000 de ragobair sa bhliain; murach sin, do ráta imeallach. Tá an dá chás san áireamh anseo.","Bringing up your children alone? The parent tax rates are lower than the single rates: choose “Parent” as your tax computation.":"Ag tógáil do leanaí gan pháirtí? Tá rátaí an tuismitheora níos ísle ná rátaí an duine shingil: roghnaigh “Tuismitheoir” mar ríomh cánach.","Unmarried and paying most of the costs of a home for your child? You usually file as head of household, with a larger standard deduction and wider brackets: choose it as your filing status.":"Gan chéile agus íocann tú formhór chostais an tí do do leanbh? De ghnáth comhdaíonn tú mar cheann teaghlaigh (head of household), le asbhaint chaighdeánach níos mó agus bandaí níos leithne: roghnaigh é mar stádas comhdaithe.","Tax relief for children (per year)":"Faoiseamh cánach do leanaí (sa bhliain)","A flat 10% on pay after the employee’s social and health contributions. Families take €3,067.75 off the yearly tax base for 1 child, €6,135.50 for 2 and €9,203.25 for 3 or more (from 2026 also through the employer each month). Bulgaria adopted the euro on 1 January 2026 (1 € = 1.95583 lev). Minimum wage €620.20 a month.":"10% cothrom ar an bpá tar éis ranníocaíochtaí sóisialta agus sláinte an fhostaí. Baineann teaghlaigh €3,067.75 den bhonn cánach bliantúil do leanbh amháin, €6,135.50 do bheirt agus €9,203.25 do thriúr nó níos mó (ó 2026 freisin gach mí tríd an bhfostóir). Ghlac an Bhulgáir leis an euro an 1 Eanáir 2026 (1 € = 1.95583 lev). Íosphá €620.20 sa mhí.","The tax relief for children is included; monthly child benefits (income-tested) are not. Bulgaria taxes each person separately.":"Tá an faoiseamh cánach do leanaí san áireamh; níl na liúntais leanaí míosúla (faoi réir ioncaim) san áireamh. Gearrann an Bhulgáir cáin ar gach duine ar leith.","Annual tax and contributions for one employee with the 2026 rates, using the €2,300 contribution ceiling that applies from August, and the child tax relief. Other deductions and the work-accident rate of your employer are not modelled.":"Cáin agus ranníocaíochtaí bliantúla d’fhostaí amháin le rátaí 2026, leis an uasteorainn ranníocaíochta €2,300 atá i bhfeidhm ó Lúnasa agus leis an bhfaoiseamh cánach do leanaí. Ní dhéantar samhaltú ar asbhaintí eile ná ar ráta timpistí oibre d’fhostóra.","Yearly income tax on €1,400 a month with 2 children":"Cáin ioncaim bhliantúil ar €1,400 sa mhí le 2 leanbh","Pension age of a man born in 1961 (years)":"Aois phinsin fir a rugadh in 1961 (blianta)","Tax relief for dependent children (per year)":"Faoiseamh cánach do leanaí cleithiúnacha (sa bhliain)","The yearly net tax base is taxed at 16% up to €9,721.43, 26% up to €28,592.44, 33% up to €57,184.88, 39% up to €82,346.23 and 50% above. The general relief is €5,551.93, increased by 20,832.39 − 1.17259 × income for total income up to €17,766.18. Each dependent child lowers the tax base by €2,995.83 (1st), €3,256.77 (2nd), €5,432.02 (3rd), €7,607.27 (4th) or €9,782.51 (5th); the relief for young people is not included.":"Gearrtar 16% ar an mbonn cánach glan bliantúil suas le €9,721.43, 26% suas le €28,592.44, 33% suas le €57,184.88, 39% suas le €82,346.23 agus 50% os a chionn. Is é €5,551.93 an faoiseamh ginearálta, méadaithe faoi 20,832.39 − 1.17259 × ioncam d’ioncam iomlán suas le €17,766.18. Laghdaíonn gach leanbh cleithiúnach an bonn cánach faoi €2,995.83 (1ú), €3,256.77 (2ú), €5,432.02 (3ú), €7,607.27 (4ú) nó €9,782.51 (5ú); níl an faoiseamh do dhaoine óga san áireamh.","Child benefit in Slovenia depends on family income and is not included. The child tax relief is included for you as the parent who claims it.":"Braitheann liúntas leanaí sa tSlóivéin ar ioncam an teaghlaigh agus níl sé san áireamh. Tá an faoiseamh cánach do leanaí san áireamh duitse mar an tuismitheoir a éilíonn é.","Annual tax and contributions for one employee with the 2026 scale, the general relief and the child reliefs. Young-person and other reliefs, the holiday allowance (regres) and Christmas bonuses, and meal and travel allowances are not modelled.":"Cáin agus ranníocaíochtaí bliantúla d’fhostaí amháin le scála 2026, an faoiseamh ginearálta agus na faoisimh do leanaí. Ní dhéantar samhaltú ar fhaoisimh do dhaoine óga ná ar fhaoisimh eile, ar an liúntas saoire (regres), ar bhónais Nollag ná ar liúntais bhéilí agus taistil.","Income tax on €2,500 a month with 2 dependent children":"Cáin ioncaim ar €2,500 sa mhí le 2 leanbh cleithiúnach","Yearly AFP deduction on S/ 3,000 × 14 (no contributions on the gratificaciones)":"Asbhaint AFP bhliantúil ar S/ 3,000 × 14 (gan ranníocaíochtaí ar na gratificaciones)","incl. 1 replacement day":"lena n-áirítear 1 lá ionaid","incl. {0} replacement days":"lena n-áirítear {0} lá ionaid","Country at a glance":"An tír i mbeagán focal","Money quiz":"Tráth na gceist airgid","1 month of pay":"pá mí amháin","{m} months of pay":"pá {m} mí","No legal right; a settlement of about 0.5 month’s pay per year is customary":"Gan ceart dlíthiúil; is gnách socrú de thart ar 0.5 mí pá in aghaidh na bliana","No severance for a justified dismissal; the TFR fund (about one month’s pay per year) is paid on any termination":"Gan cúiteamh do dhífhostú údaraithe; íoctar ciste TFR (thart ar mhí pá in aghaidh na bliana) ag deireadh aon fhostaíochta","the average full-time wage ({g} a year, OECD 2025)":"meánphá lánaimseartha ({g} sa bhliain, ECFE 2025)","the example salary of the Salary tab ({g} a year)":"an tuarastal samplach ón gcluaisín Tuarastal ({g} sa bhliain)","{c} at a glance · 2026":"{c} i mbeagán focal · 2026","of {b} is take-home pay after income tax and social security":"fanann glan tar éis cáin ioncaim agus slándáil shóisialta · bonn: {b}","Inflation 2025":"Boilsciú 2025","2026 estimate: {p}":"meastachán 2026: {p}","Prices since 2016":"Praghsanna ó 2016","ten years of inflation, to 2026":"deich mbliana boilscithe, go 2026","Real average wage":"Meánphá réadach","no OECD average-wage series for this country yet":"níl sraith meánphá ECFE don tír seo fós","2015–2025, after inflation (OECD)":"2015–2025, tar éis boilscithe (ECFE)","Earliest pension age":"An aois phinsin is luaithe","with a cut; full pension at {f} (born {y})":"le laghdú; pinsean iomlán ag {f} (bliain bhreithe {y})","full pension, for someone born in {y}":"pinsean iomlán, do bhliain bhreithe {y}","Prices and inflation":"Praghsanna agus boilsciú","yearly inflation":"boilsciú bliantúil","10 years":"10 mbliana","prices 2016 → 2026":"praghsanna 2016 → 2026","Highest":"Is airde","Inflation":"Boilsciú","estimate":"meastachán","Yearly change of the national consumer price index; 2026 (grey) is an estimate. A basket that cost 100 in 2016 costs about {v} in 2026.":"Athrú bliantúil ar an innéacs náisiúnta praghsanna do thomhaltóirí; is meastachán é 2026 (liath). Cosnaíonn ciseán a chosain 100 in 2016 thart ar {v} in 2026.","Pay and purchasing power":"Pá agus cumhacht ceannaigh","Average wage":"Meánphá","a year, 2025 (OECD)":"sa bhliain, 2025 (ECFE)","Pay rises":"Ardú pá","2015–2025, as paid":"2015–2025, ainmniúil","2015–2025; best year {y}":"2015–2025; an bhliain is fearr {y}","Index 2015 = 100. When the average wage line is above the prices line, an average salary buys more than in 2015. OECD average annual wage of full-time employees.":"Innéacs 2015 = 100. Nuair a bhíonn líne an mheánphá os cionn líne na bpraghsanna, ceannaíonn meánphá níos mó ná in 2015. Meánphá bliantúil fostaithe lánaimseartha de réir ECFE.","series to be added":"sraith le cur leis","The site has no official average-wage series for {c} yet, so only prices are shown. Enter your own salaries in the Salary history tab to see your own purchasing power.":"Níl sraith oifigiúil meánphá ag an suíomh fós ({c}), mar sin ní thaispeántar ach na praghsanna. Cuir isteach do thuarastail féin sa chluaisín Stair an tuarastail chun do chumhacht ceannaigh féin a fheiceáil.","Tax on an average salary":"Cáin ar mheánphá","From a raise of 100":"As ardú pá 100","is left after tax":"fanann tar éis cánach","income tax + social security":"cáin ioncaim + slándáil shóisialta","Since 2006":"Ó 2006","{n} points":"{n} pointe","was {p} in 2006":"{p} in 2006","Share of each year’s average wage paid as income tax and employee social security, with that year’s rules (single, no children). 2026 uses the 2025 average wage.":"Sciar de mheánphá gach bliana a íocadh mar cháin ioncaim agus slándáil shóisialta an fhostaí, le rialacha na bliana sin (singil, gan leanaí). Úsáideann 2026 meánphá 2025.","on top of gross pay":"i dteannta an olltuarastail","How {b} splits in 2026. Past years’ tax rules for {c} are not in the site yet.":"Roinnt in 2026, bonn: {b}. Níl rialacha cánach na mblianta roimhe ({c}) ar an suíomh fós.","A salary in 2026":"Tuarastal in 2026","Gross pay":"Ollphá","{v} a month on average":"{v} sa mhí ar an meán","Employer cost":"Costas an fhostóra","Based on {b}, single, no children.":"Bonn: {b}, singil, gan leanaí.","Calculate your own salary →":"Ríomh do thuarastal féin →","Earliest, with a cut":"Is luaithe, le laghdú","Estimated pension at {a}":"Pinsean measta ag {a}","{v} a month, net":"{v} sa mhí, glan","Life expectancy at 65":"Ionchas saoil ag 65","{m} more years (men), {w} (women)":"{m} bliain eile (fir), {w} (mná)","For someone born in {y} who keeps working until then, with the inputs of the Pension tab; amounts in today’s money. Rules can change before retirement.":"Do bhliain bhreithe {y}, ag obair go dtí sin, le sonraí an chluaisín Pinsean; méideanna in airgead an lae inniu. D'fhéadfadh na rialacha athrú roimh scor.","Estimate your pension →":"Meas do phinsean →","Leave and holidays":"Saoire agus laethanta saoire poiblí","Annual leave by law":"Saoire bhliantúil de réir dlí","{a} days from the 3rd year (20 in the 1st, 21 in the 2nd)":"{a} lá ón 3ú bliain (20 sa 1ú, 21 sa 2ú)","{a} working days":"{a} lá oibre","none by law":"dada de réir dlí","Public holidays on weekdays 2026":"Laethanta saoire poiblí i rith na seachtaine 2026","{a} + {b} customary":"{a} + {b} traidisiúnta","{n} replacement":"{n} in ionad","Paid days off a year":"Laethanta saor íoctha sa bhliain","bank holidays can be inside the 28":"féadfaidh na laethanta saoire bainc a bheith san áireamh sna 28","Next public holiday":"An chéad lá saoire poiblí eile","today":"inniu","Legal minimum for a 5-day week; contracts often give more.":"An t-íosmhéid dlíthiúil do sheachtain 5 lá; is minic a thugann conarthaí níos mó.","Plan your leave →":"Pleanáil do shaoire →","If you lose your job":"Má chailleann tú do phost","Paid by law after 10 years":"Íoctha de réir dlí tar éis 10 mbliana","Rule":"Riail","Dismissal for business reasons after 10 years, at age 45, based on {b}.":"Dífhostú ar chúiseanna gnó tar éis 10 mbliana, ag aois 45; bonn: {b}.","Calculate your own case →":"Ríomh do chás féin →","Cost of living":"Costas maireachtála","about the EU average":"thart ar mheán an AE","{p} above the EU average":"{p} os cionn mheán an AE","{p} below the EU average":"{p} faoi bhun mheán an AE","Exchange rate":"Ráta malairte","Currency":"Airgeadra","euro":"euro","Typical household spending":"Caiteachas tipiciúil teaghlaigh","{v} a month":"{v} sa mhí","of which rent":"cíos de sin","Rent, utilities, food, communication and transport of an average household ({n} people), in 2026 prices. Price level: Eurostat, EU = 100.":"Cíos, fóntais, bia, cumarsáid agus iompar meánteaghlaigh ({n} duine), ar phraghsanna 2026. Leibhéal praghsanna: Eurostat, AE = 100.","Compare buying power →":"Cuir cumhacht ceannaigh i gcomparáid →","Sources: the national consumer price index of {c}, the OECD average annual wage, and the tax, social security, pension, leave and termination rules used by the calculators of this site (official sources listed in each tab).":"Foinsí: an t-innéacs náisiúnta praghsanna do thomhaltóirí ({c}), meánphá bliantúil ECFE, agus na rialacha cánach, slándála sóisialta, pinsin, saoire agus deireadh fostaíochta a úsáideann áireamháin an tsuímh seo (foinsí oifigiúla i ngach cluaisín).","What was the inflation rate in {c} in 2025?":"{c}: cén ráta boilscithe a bhí ann in 2025?","Consumer prices rose {p} in 2025.":"Praghsanna tomhaltóirí in 2025: {p}.","By how much did prices in {c} rise over the ten years 2016–2026?":"{c}: cé mhéad a d'ardaigh praghsanna sna deich mbliana 2016–2026?","Prices rose {p} in total: a basket that cost 100 in 2016 costs about {v} in 2026.":"Ardú iomlán praghsanna: {p}; cosnaíonn ciseán a chosain 100 in 2016 thart ar {v} in 2026.","From 2015 to 2025, how did the purchasing power of the average wage in {c} change?":"{c}: conas a d'athraigh cumhacht ceannaigh an mheánphá ó 2015 go 2025?","{p} after inflation (OECD average wage of full-time employees).":"{p} tar éis boilscithe (meánphá ECFE fostaithe lánaimseartha).","Someone in {c} earns the average wage. What share of gross pay is left after income tax and social security?":"{c}: tuilleann duine an meánphá. Cén sciar den ollphá a fhanann tar éis cáin ioncaim agus slándáil shóisialta?","What share of the example salary in {c} is left after income tax and social security?":"{c}: cén sciar den tuarastal samplach a fhanann tar éis cáin ioncaim agus slándáil shóisialta?","{p}: {n} net out of {g} gross a year.":"{p}: {n} glan as {g} comhlán sa bhliain.","Someone in {c} on the average wage gets a gross raise of 100. How much of it is left after income tax and social security?":"{c}: faigheann duine ar an meánphá ardú comhlán 100. Cé mhéad de a fhanann tar éis cáin ioncaim agus slándáil shóisialta?","On the example salary in {c}, how much of a gross raise of 100 is left after income tax and social security?":"{c}: leis an tuarastal samplach, cé mhéad d'ardú comhlán 100 a fhanann tar éis cáin ioncaim agus slándáil shóisialta?","{n} of every extra 100: the rest goes to income tax and social security at this salary.":"{n} as gach 100 breise: téann an chuid eile ar cháin ioncaim agus slándáil shóisialta ag an tuarastal seo.","{n} days":"{n} lá","How many days of paid annual leave does the law guarantee in {c} (5-day week)?":"{c}: cé mhéad lá saoire bliantúla íoctha a ráthaíonn an dlí (seachtain 5 lá)?","{n} working days from the 3rd year with the same employer (20 in the 1st, 21 in the 2nd, 25 after 10 years).":"{n} lá oibre ón 3ú bliain leis an bhfostóir céanna (20 sa 1ú, 21 sa 2ú, 25 tar éis 10 mbliana).","{n} working days by law; many contracts give more.":"{n} lá oibre de réir dlí; tugann go leor conarthaí níos mó.","There is no legal minimum; paid leave depends on the employer.":"Níl íosmhéid dlíthiúil ann; braitheann saoire íoctha ar an bhfostóir.","How many public holidays fall on working days in {c} in 2026?":"{c}: cé mhéad lá saoire poiblí a thiteann ar laethanta oibre in 2026?","{a} official and {b} customary holidays fall on weekdays in 2026.":"Titeann {a} lá saoire oifigiúla agus {b} traidisiúnta ar laethanta oibre in 2026.","{n} public holidays fall on weekdays in 2026{s}.":"Titeann {n} lá saoire poiblí ar laethanta oibre in 2026{s}."," (plus {r} replacement days for holidays on a weekend)":" (móide laethanta ionaid do laethanta saoire ag an deireadh seachtaine: {r})","In {c}, from what age can someone born in {y} get a full pension without a cut?":"{c}: cén aois ar féidir le duine a rugadh in {y} pinsean iomlán gan laghdú a fháil?","At {a}, if they keep working; a reduced pension is possible from {e}.":"Ag {a}, ag leanúint ag obair; is féidir pinsean laghdaithe a fháil ó {e}.","At {a}, with the current rules and the inputs of the Pension tab.":"Ag {a}, leis na rialacha reatha agus sonraí an chluaisín Pinsean.","Which describes maternity leave in {c}?":"{c}: cén cur síos a oireann don saoire mháithreachais?","In {c}: {t}.":"{c}: {t}.","In {c}, how much does the law give you on a dismissal for business reasons after 10 years in the job?":"{c}: cad a thugann an dlí duit má dhífhostaítear thú ar chúiseanna gnó tar éis 10 mbliana sa phost?","About the same as the EU average":"Thart ar an gcéanna le meán an AE","About {p} higher than the EU average":"Thart ar {p} níos airde ná meán an AE","About {p} lower than the EU average":"Thart ar {p} níos ísle ná meán an AE","How do consumer prices in {c} compare with the EU average?":"{c}: conas a chuirtear praghsanna tomhaltóirí i gcomparáid le meán an AE?","Price level index {n} (EU = 100, Eurostat).":"Innéacs leibhéal praghsanna {n} (AE = 100, Eurostat).","On top of gross pay, how much does an employer in {c} pay in social contributions for an average salary?":"{c}: i dteannta an olltuarastail, cé mhéad a íocann fostóir in ranníocaíochtaí sóisialta ar mheánphá?","{p} of gross pay":"{p} den ollphá","{p} of gross pay: {v} a year on {g}.":"{p} den ollphá: {v} sa bhliain ar {g}.","Money quiz · {c}":"Tráth na gceist airgid · {c}","{n} questions":"{n} ceist","{a} of {n} right":"{a} as {n} ceart","How well do you know pay, prices, pensions and leave here? Pick one answer for each question.":"Cé chomh maith is atá aithne agat ar phá, praghsanna, pinsin agus saoire anseo? Roghnaigh freagra amháin do gach ceist.","Answered":"Freagartha","Correct":"Ceart","Score":"Scór","Level":"Leibhéal","Expert":"Saineolaí","Well informed":"Dea-eolach","Still learning":"Fós ag foghlaim","You got {a} of {n} right ({p}).":"Fuair tú {a} as {n} ceart ({p}).","Try another country with the country menu at the top.":"Bain triail as tír eile le roghchlár na dtíortha ag an mbarr.","Answer all {n} questions to see your score.":"Freagair na {n} ceist ar fad chun do scór a fheiceáil.","{n} questions about {c}":"{n} ceist · {c}","The answers come from the calculators of this site and their official sources. Nothing you choose is saved or sent.":"Tagann na freagraí ó áireamháin an tsuímh seo agus a bhfoinsí oifigiúla. Ní shábháiltear ná ní sheoltar aon rud a roghnaíonn tú.","Right answer":"Freagra ceart","Wrong answer":"Freagra mícheart","Open {t} →":"Oscail {t} →","Check my answers":"Seiceáil mo fhreagraí","Start again":"Tosaigh arís","Questions and answers are generated from each country’s data, so they follow the rules when these are updated.":"Gintear na ceisteanna agus na freagraí ó shonraí gach tíre, mar sin leanann siad na rialacha nuair a nuashonraítear iad.","+{n} more":"+{n} eile","Eurostat Structure of Earnings Survey 2022 (full-time employees)":"Suirbhé Eurostat ar Struchtúr an Tuillimh 2022 (fostaithe lánaimseartha)","ONS Annual Survey of Hours and Earnings 2025 (full-time employees; weekly pay × 52 ÷ 12)":"Annual Survey of Hours and Earnings 2025 an ONS (fostaithe lánaimseartha; pá seachtainiúil × 52 ÷ 12)","US Bureau of Labor Statistics, 3rd quarter 2026 (full-time wage and salary workers; weekly earnings × 52 ÷ 12)":"US Bureau of Labor Statistics, 3ú ráithe 2026 (oibrithe pá agus tuarastail lánaimseartha; tuilleamh seachtainiúil × 52 ÷ 12)","Japan’s Basic Survey on Wage Structure 2025 (general workers, scheduled earnings)":"Bunsuirbhé na Seapáine ar Struchtúr Pá 2025 (gnáthoibrithe, tuilleamh sceidealta)","Australian Bureau of Statistics, August 2025 (median weekly earnings of full-time employees × 52 ÷ 12), with the OECD decile ratios":"Australian Bureau of Statistics, Lúnasa 2025 (airmheán tuillimh sheachtainiúil fostaithe lánaimseartha × 52 ÷ 12), le cóimheasa deicíle ECFE","Statistics Canada, 2025 (median weekly wage of full-time employees × 52 ÷ 12), with the OECD decile ratios":"Statistics Canada, 2025 (airmheán pá seachtainiúil fostaithe lánaimseartha × 52 ÷ 12), le cóimheasa deicíle ECFE","Statistics Korea, average monthly wage of regular workers, August 2025, with the OECD decile ratios (median estimated)":"Statistics Korea, meánphá míosúil oibrithe rialta, Lúnasa 2025, le cóimheasa deicíle ECFE (airmheán measta)","Stats NZ, average weekly earnings of full-time equivalent employees, year to June 2025 (× 52 ÷ 12), with the OECD decile ratios (median estimated)":"Stats NZ, meántuilleamh seachtainiúil in aghaidh coibhéis lánaimseartha, bliain go Meitheamh 2025 (× 52 ÷ 12), le cóimheasa deicíle ECFE (airmheán measta)","Mexican Social Security Institute (IMSS), average wage of registered employees, December 2025, with the OECD decile ratios (median estimated)":"Institiúid Leasa Shóisialaigh Mheicsiceo (IMSS), meánphá fostaithe cláraithe, Nollaig 2025, le cóimheasa deicíle ECFE (airmheán measta)","INE Chile Supplementary Income Survey 2025 (net pay brought back to gross), with the OECD decile ratios":"Suirbhé Forlíontach Ioncaim 2025 INE na Sile (glanphá aistrithe go comhlán), le cóimheasa deicíle ECFE","IBGE, average income from work 2025, with the OECD decile ratios (median estimated)":"IBGE, meánioncam ó obair 2025, le cóimheasa deicíle ECFE (airmheán measta)","INEI, average monthly income from work 2025, with the OECD decile ratios (median estimated)":"INEI, meánioncam míosúil ó obair 2025, le cóimheasa deicíle ECFE (airmheán measta)","Singapore Ministry of Manpower, June 2025 (full-time employed residents, without employer CPF)":"Aireacht Daonchumhachta Shingeapór, Meitheamh 2025 (cónaitheoirí fostaithe go lánaimseartha, gan CPF an fhostóra)","Hong Kong Census and Statistics Department, May–June 2025":"Roinn Daonáirimh agus Staitisticí Hong Cong, Bealtaine–Meitheamh 2025","Department of Statistics Malaysia, 2025 (median and mean of Malaysian employees; spread estimated)":"Roinn Staitisticí na Malaeisia, 2025 (airmheán agus meán fostaithe Malaeisiacha; scaipeadh measta)","Statistics South Africa, Quarterly Labour Force Survey 2022":"Statistics South Africa, Suirbhé Ráithiúil ar an Lucht Saothair 2022","Moroccan social security (CNSS) records for 2024, via the Moroccan SME Observatory":"Taifid leasa shóisialaigh Mharacó (CNSS) do 2024, trí Bhreathlann FBM Mharacó","Your gross pay of {v} a month is higher than about {p} of full-time employees in {c}.":"Tá do phá comhlán de {v} sa mhí níos airde ná pá thart ar {p} d’fhostaithe lánaimseartha in {c}.","Your gross pay of {v} a month is higher than about {p} of employees in {c}.":"Tá do phá comhlán de {v} sa mhí níos airde ná pá thart ar {p} d’fhostaithe in {c}.","Your gross pay of {v} a month is higher than about {p} of working people in {c}.":"Tá do phá comhlán de {v} sa mhí níos airde ná ioncam thart ar {p} de dhaoine atá ag obair in {c}.","a month: higher than {p} of full-time employees":"sa mhí: níos mó ná a thuilleann {p} d’fhostaithe lánaimseartha","a month: higher than {p} of employees":"sa mhí: níos mó ná a thuilleann {p} d’fhostaithe","a month: higher than {p} of working people":"sa mhí: níos mó ná a thuilleann {p} de dhaoine atá ag obair","Median full-time pay":"Airmheánphá lánaimseartha","Median pay of employees":"Airmheánphá fostaithe","Median pay of working people":"Airmheánioncam daoine atá ag obair","Where your salary ranks":"Cá seasann do thuarastal","There are no official figures in the site yet on how pay is spread in {c}.":"Níl figiúirí oifigiúla ar an suíomh fós faoin gcaoi a bhfuil pá scaipthe in {c}.","Enter your gross salary to see where it ranks.":"Cuir isteach do thuarastal comhlán le feiceáil cá seasann sé.","You: {v}":"Tusa: {v}","10% earn less":"tuilleann 10% níos lú","half earn less":"tuilleann leath níos lú","10% earn more":"tuilleann 10% níos mó","Source: {src}.":"Foinse: {src}.","Figures brought to 2026 with official wage growth (2026 estimated).":"Figiúirí tugtha go 2026 le fás oifigiúil pá (2026 measta).","All amounts are gross pay a month without irregular bonuses; your figure is one regular monthly salary from this tab.":"Is pá comhlán sa mhí gach méid, gan bhónais neamhrialta; maidir le d’fhigiúr féin, is gnáththuarastal míosúil amháin é ón gcluaisín seo.","{m} a month · 10% earn more than {t}":"{m} sa mhí · tuilleann 10% níos mó ná {t}","Net pay from the salary on the left":"Glanphá ón tuarastal ar chlé","Share of gross pay kept":"Sciar den phá comhlán a choinnítear","Median monthly pay":"Airmheánphá míosúil","Price level (EU = 100)":"Leibhéal praghsanna (AE = 100)","days":"lá","Full pension age":"Aois an phinsin iomláin","Amounts in purchasing power: converted to euros and adjusted to {c} prices, so they show what the money would buy there.":"Méideanna i gcumhacht ceannaigh: athraithe go euro agus coigeartaithe do leibhéal praghsanna na tíre tagartha ({c}), mar sin taispeánann siad cad a cheannódh an t-airgead ansin.","Amounts in euros at ECB exchange rates, without adjusting for prices.":"Méideanna in euro de réir rátaí malairte BCE, gan choigeartú do phraghsanna.","Net pay a year from {g} gross in every country, single, {k} children, age {a}, 2026 rules.":"Glanphá sa bhliain ó {g} comhlán i ngach tír, singil, {k} leanbh, aois {a}, rialacha 2026.","Share of {g} gross left after income tax and social security in every country, 2026 rules.":"Sciar de {g} comhlán a fhanann tar éis cáin ioncaim agus leas sóisialach i ngach tír, rialacha 2026.","Half earn less than this: gross monthly pay of full-time employees, or of all employees or working people where only those figures are published; official surveys brought to 2026 (estimate).":"Tuilleann leath níos lú ná seo: pá comhlán míosúil fostaithe lánaimseartha, nó gach fostaí nó daoine atá ag obair nuair nach bhfoilsítear ach na figiúirí sin; suirbhéanna oifigiúla tugtha go 2026 (meastachán).","Yearly change of the national consumer price index in 2025.":"Athrú bliantúil ar an innéacs náisiúnta praghsanna tomhaltóirí in 2025.","Rise of consumer prices from 2016 to 2026 (2026 estimated).":"Ardú ar phraghsanna tomhaltóirí ó 2016 go 2026 (2026 measta).","Price level of household consumption compared with the EU average (Eurostat).":"Leibhéal praghsanna thomhaltas na dteaghlach i gcomparáid le meán an AE (Eurostat).","Legal minimum for a 5-day week: annual leave plus public holidays on weekdays in 2026.":"Íosmhéid dlíthiúil do sheachtain 5 lá: saoire bhliantúil móide laethanta saoire poiblí ar laethanta oibre in 2026.","First age with a full state pension without a cut, for the person of each country’s Pension tab who keeps working.":"An chéad aois le pinsean stáit iomlán gan ciorrú, don duine i gcluaisín Pinsean gach tíre a leanann ag obair.","No data":"Gan sonraí","Tap a country to see its value.":"Tapáil tír le feiceáil a luach.","Map":"Léarscáil","Colour by":"Dathaigh de réir","World":"An Domhan","Not in PayAbacus":"Ní in PayAbacus","All countries, highest first":"Gach tír, an ceann is airde ar dtús","Hours a week":"Uaireanta sa tseachtain","Paid leave, days a year":"Saoire íoctha, laethanta sa bhliain","Commute, minutes each way":"Comaitéireacht, nóiméid gach bealach","Your real hourly pay":"Do phá fíor in aghaidh na huaire","Paid leave and public holidays are paid but not worked, so each hour you actually work earns more than your contract rate; time spent commuting is unpaid and brings it down.":"Íoctar saoire agus laethanta saoire poiblí gan obair, mar sin tuilleann gach uair a oibríonn tú i ndáiríre níos mó ná ráta do chonartha; níl am comaitéireachta íoctha agus laghdaíonn sé é.","{n} h":"{n} h","Enter your salary to see your hourly pay.":"Cuir isteach do thuarastal le do phá in aghaidh na huaire a fheiceáil.","Net per hour you work":"Glanphá in aghaidh na huaire oibre","gross {g} · {h} a year":"comhlán {g} · {h} sa bhliain","Net per paid hour":"Glanphá in aghaidh na huaire íoctha","gross {g} · {h} paid":"comhlán {g} · {h} íoctha","With your commute":"Le do chomaitéireacht","net · {h} of travel a year":"glan · {h} taistil sa bhliain","add your commute above":"cuir do chomaitéireacht thuas","Net per working day":"Glanphá in aghaidh an lae oibre","gross {g} · {d} days a year":"comhlán {g} · {d} lá sa bhliain","Hours worked":"Uaireanta oibrithe","Paid leave":"Saoire íoctha","Commuting, unpaid":"Comaitéireacht, gan íoc","{o} paid days off (the 28 statutory days include bank holidays)":"{o} lá saor íoctha (áirítear na laethanta saoire poiblí sna 28 lá reachtúla)","{o} paid days off ({l} leave + {h} public holidays)":"{o} lá saor íoctha (saoire {l} + laethanta saoire poiblí {h})","{y}: 52 weeks of {k} days = {c} working days − {off} = {w} days of work, {d} each.":"{y}: 52 seachtain de {k} lá = {c} lá oibre − {off} = {w} lá oibre, {d} an ceann.","Pay is the year’s gross and net from this tab, with extra salaries and bonuses.":"Is é an pá comhlán agus glan na bliana ón gcluaisín seo, le tuarastail bhreise agus bónais.","With employer contributions, each hour you work costs {e}.":"Le ranníocaíochtaí an fhostóra, cosnaíonn gach uair a oibríonn tú {e}.","Leave follows the {l} tab (years with your employer) unless you type your own.":"Leanann an tsaoire cluaisín {l} (blianta le d’fhostóir) mura gcuireann tú do líon féin isteach.","Hours and leave are the same as in the {o} and {l} tabs.":"Is ionann na huaireanta agus an tsaoire agus i gcluaisíní {o} agus {l}.","EFKA {r}%":"EFKA {r}%","Income tax withheld":"Cáin ioncaim a coinníodh siar","✓ Matches":"✓ Ag teacht leis","⚠ Small difference":"⚠ Difríocht bheag","✗ Large difference":"✗ Difríocht mhór","Not checked":"Gan seiceáil","Higher than the rules give for this gross. Common reasons: a higher health-insurance rate (in Germany each insurer sets its own extra rate), a surcharge such as the German care levy for people without children, or other deductions (union, company pension) listed with the contributions.":"Níos airde ná a thugann na rialacha don phá comhlán seo. Cúiseanna coitianta: ráta árachais sláinte níos airde (sa Ghearmáin socraíonn gach ciste a ranníocaíocht bhreise féin), forchostas ar nós an tobhaigh cúraim Ghearmánaigh do dhaoine gan leanaí, nó asbhaintí eile (ceardchumann, pinsean cuideachta) a liostaítear leis na ranníocaíochtaí.","Lower than the rules give. Common reasons: pay above a contribution ceiling, private health insurance (Germany), part of your pay put into a company pension (salary sacrifice), a reduced rate for apprentices, mini-jobs or new hires, or tax-free allowances that carry no contributions.":"Níos ísle ná a thugann na rialacha. Cúiseanna coitianta: pá os cionn uasteorainn ranníocaíochta, árachas sláinte príobháideach (an Ghearmáin), cuid den phá curtha i bpinsean cuideachta, ráta laghdaithe do phrintísigh, mionphoist nó fostaithe nua, nó liúntais saor ó cháin gan ranníocaíochtaí.","Higher than expected. Common reasons: a different tax class or code (check the options in this tab), extra pay this month (bonus, overtime) taxed at your top rate, church or local taxes, benefits in kind such as a company car, or allowances your employer has not applied.":"Níos airde ná mar a bhíothas ag súil leis. Cúiseanna coitianta: aicme nó cód cánach eile (seiceáil na roghanna sa chluaisín seo), pá breise an mhí seo (bónas, ragobair) cáinithe ag do ráta is airde, cáin eaglaise nó áitiúil, sochair chomhchineáil ar nós carr comhlachta, nó liúntais nár chuir d’fhostóir i bhfeidhm.","Lower than expected. Common reasons: allowances or credits on your tax code or certificate (children, commuting, a tax-free amount set by the tax office), part of your pay put into a company pension, tax-free overtime or night supplements, or a refund of tax from earlier months (cumulative withholding, as in the UK).":"Níos ísle ná mar a bhíothas ag súil leis. Cúiseanna coitianta: liúntais nó creidmheasanna ar do chód nó do dheimhniú cánach (leanaí, taisteal, méid saor ó cháin a shocraigh an t-údarás cánach), cuid den phá curtha i bpinsean cuideachta, ragobair nó obair oíche saor ó cháin, nó aisíoc cánach ó mhíonna roimhe (coinneáil charnach, mar sa RA).","More net pay than expected: see the lines above, or additions on the payslip such as allowances or expense refunds.":"Níos mó glanphá ná mar a bhíothas ag súil leis: féach na línte thuas, nó breiseanna ar an duillín pá ar nós liúntas nó aisíocaíochtaí costas.","Less net pay than expected: see the lines above, or other deductions such as a company pension, union fee or meal vouchers.":"Níos lú glanphá ná mar a bhíothas ag súil leis: féach na línte thuas, nó asbhaintí eile ar nós pinsean cuideachta, táille ceardchumainn nó dearbháin bhia.","Higher than the rules give for this gross. Common reasons: the higher rate of heavy and unhealthy occupations (BAE), contributions to an occupational fund (TEA), or other deductions listed with EFKA.":"Níos airde ná a thugann na rialacha don phá comhlán seo. Cúiseanna coitianta: an ráta níos airde do ghairmeacha troma agus míshláintiúla (BAE), ranníocaíochtaí le ciste pinsin ceirde (TEA), nó asbhaintí eile a liostaítear le EFKA.","Lower than the rules give. Common reasons: pay above the EFKA ceiling, a contribution-relief scheme, or allowances that carry no contributions.":"Níos ísle ná a thugann na rialacha. Cúiseanna coitianta: pá os cionn uasteorainn EFKA, scéim faoisimh ranníocaíochta, nó liúntais gan ranníocaíochtaí.","Higher than expected. Common reasons: fewer dependent children registered with your employer than set in this tab, extra pay this month (bonus, overtime), benefits in kind such as a company car, or a second employer at the same time.":"Níos airde ná mar a bhíothas ag súil leis. Cúiseanna coitianta: níos lú leanaí cleithiúnacha cláraithe le d’fhostóir ná mar atá socraithe sa chluaisín seo, pá breise an mhí seo (bónas, ragobair), sochair chomhchineáil ar nós carr comhlachta, nó an dara fostóir ag an am céanna.","Lower than expected. Common reasons: more dependent children registered with your employer, the 50% relief for people who moved their tax residence to Greece (art. 5C), or tax-free allowances.":"Níos ísle ná mar a bhíothas ag súil leis. Cúiseanna coitianta: níos mó leanaí cleithiúnacha cláraithe le d’fhostóir, an faoiseamh 50% do dhaoine a d’aistrigh a gcónaí cánach go dtí an Ghréig (airteagal 5C), nó liúntais saor ó cháin.","Check your payslip":"Seiceáil do dhuillín pá","Type the figures from one payslip: they are compared with the {y} rules for the situation set in this tab, with the same calculation as the breakdown above. Nothing is saved or sent.":"Clóscríobh na figiúirí ó dhuillín pá amháin: cuirtear i gcomparáid iad le rialacha {y} don chás atá socraithe sa chluaisín seo, leis an ríomh céanna leis an miondealú thuas. Ní shábháiltear ná ní sheoltar aon rud.","Payslip for":"Duillín pá do","EFKA deducted":"EFKA asbhainte","Social security deducted":"Leas sóisialach asbhainte","Income tax deducted":"Cáin ioncaim asbhainte","Net pay received":"Glanphá faighte","Add up all lines of a kind, for example wage tax + solidarity surcharge + church tax. Leave a box empty to skip it; an empty gross uses this tab’s salary.":"Suimigh gach líne den chineál céanna, mar shampla PAYE + USC. Fág bosca folamh chun é a scipeáil; úsáideann pá comhlán folamh tuarastal an chluaisín seo.","Type at least one deduction or the net pay from your payslip to check it.":"Clóscríobh asbhaint amháin ar a laghad nó an glanphá ó do dhuillín pá lena sheiceáil.","Other deductions":"Asbhaintí eile","Other additions":"Breiseanna eile","✓ Your payslip matches the rules for this gross.":"✓ Tagann do dhuillín pá leis na rialacha don phá comhlán seo.","✗ Large difference: {list}.":"✗ Difríocht mhór: {list}.","⚠ Small difference: {list}.":"⚠ Difríocht bheag: {list}.","See what to check below.":"Féach thíos cad ba cheart a sheiceáil.","Personal tax or insurance details often explain it.":"Is minic a mhíníonn sonraí pearsanta cánach nó árachais é.","Your payslip":"Do dhuillín pá","Expected":"Ag súil leis","the difference ({d}) comes from the other items on the payslip, below.":"tagann an difríocht ({d}) ó na míreanna eile ar an duillín pá, thíos.","Not tax or social security: for example a company pension, union fee, meal vouchers or a salary advance (deductions), or allowances and expense refunds (additions). They are not checked here.":"Ní cáin ná leas sóisialach iad: mar shampla pinsean cuideachta, táille ceardchumainn, dearbháin bhia nó réamhíocaíocht tuarastail (asbhaintí), nó liúntais agus aisíocaíochtaí costas (breiseanna). Ní sheiceáiltear anseo iad.","Together, tax and social security match: your payslip probably lists some lines under another heading (for example a solidarity or church tax among the contributions).":"Má chuirtear le chéile iad, tagann an cháin agus an leas sóisialach leis na rialacha: is dócha go liostaíonn do dhuillín pá roinnt línte faoi cheannteideal eile (mar shampla tobhach dlúthpháirtíochta nó cáin eaglaise i measc na ranníocaíochtaí).","What to check":"Cad ba cheart a sheiceáil","The check uses the gross on your payslip ({g}); the rest of this tab uses {b}.":"Úsáideann an tseiceáil an pá comhlán ar do dhuillín pá ({g}); úsáideann an chuid eile den chluaisín seo {b}.","With {n} salaries a year the expected figures are the average of all of them; where the extra salaries are taxed differently, a regular month can be a little higher or lower.":"Le {n} tuarastal sa bhliain is iad na figiúirí a bhfuiltear ag súil leo meán na dtuarastal go léir; nuair a ghearrtar cáin ar na tuarastail bhreise ar bhealach eile, d’fhéadfadh gnáthmhí a bheith beagán níos airde nó níos ísle.","Estimates for information only: the expected figures use the options in this tab (tax class, children, region and so on). If a line still looks wrong, ask your payroll department, which has to explain every deduction.":"Meastacháin le haghaidh eolais amháin: úsáideann na figiúirí a bhfuiltear ag súil leo na roghanna sa chluaisín seo (aicme cánach, leanaí, réigiún agus mar sin de). Má fhéachann líne mícheart fós, fiafraigh den roinn párolla, nach mór di gach asbhaint a mhíniú.","Expected deductions for this gross":"Asbhaintí a bhfuiltear ag súil leo don phá comhlán seo","Expected net pay":"Glanphá a bhfuiltear ag súil leis","Net pay plus the benefits that matter: meal vouchers, group health insurance, other perks, commuting cost and extra leave. Empty gross for Offer A uses your current salary.":"Glanphá móide na sochair a bhfuil tábhacht leo: dearbháin bhia, árachas sláinte grúpa, sochair eile, costas comaitéireachta agus laethanta saoire breise. Úsáideann comhlán folamh do Thairiscint A do thuarastal reatha.","Regular age 67 (born 1964+); 66 and 2–10 months for those born 1959–1963 (66 and 4 months for 1960). Minimum 5 years. From 63 with 35 years: −0.3% for each month before the regular age (max 14.4%). With 45 years: no cut from 65 (64 and 2–10 months for those born 1959–1963). Working past the regular age adds 0.5% per month.":"Gnáthaois 67 (rugadh 1964+); 66 bliana agus 2–10 mí dóibh siúd a rugadh 1959–1963 (66 bliana agus 4 mhí do 1960). Íosmhéid 5 bliana. Ó 63 le 35 bliain: −0.3% do gach mí roimh an ngnáthaois (uas. 14.4%). Le 45 bliain: gan gearradh ó 65 (64 bliana agus 2–10 mí dóibh siúd a rugadh 1959–1963). Cuireann obair tar éis na gnáthaoise 0.5% in aghaidh na míosa leis.","Same purchasing power as in {a}":"An chumhacht cheannaigh chéanna agus in {a}","Regular pension age, born 1960 (months: 66 years and 4 months)":"Gnáthaois phinsin, rugadh 1960 (míonna: 66 bliana agus 4 mhí)","Early pension at 63 with 35 years, born 1963: cut":"Pinsean luath ag 63 le 35 bliain, rugadh 1963: gearradh","This tab has no result to save as an image yet.":"Níl aon toradh ar an gcluaisín seo fós le sábháil mar íomhá.","Estimate with the rules in the calculator. Not financial advice.":"Meastachán le rialacha an áireamháin. Ní comhairle airgeadais é.","Check your answers first, then save your score as an image.":"Seiceáil do fhreagraí ar dtús, ansin sábháil do scór mar íomhá.","Level: {l}":"Leibhéal: {l}","How well do you know {c}?":"{c}: cé mhéad atá ar eolas agat?","Take the quiz: {u}":"Déan an tráth na gceist: {u}","Questions from official statistics and the rules of the calculators.":"Ceisteanna ó staitisticí oifigiúla agus ó rialacha na n-áireamhán.","{g} gross a year: what you keep":"{g} comhlán sa bhliain: an méid a choinníonn tú","Net pay a year, in what it buys at {c} prices":"Glanphá in aghaidh na bliana i gcumhacht cheannaigh (praghsanna: {c})","Net pay a year, in euros":"Glanphá in aghaidh na bliana, in euro","Job offer comparison":"Comparáid tairiscintí poist","{o}: +{v} a year":"{o}: +{v} sa bhliain","Free · No sign-up · Rules from official sources":"Saor in aisce · Gan chlárú · Rialacha ó fhoinsí oifigiúla","Picture size":"Méid an phictiúir","Square · posts":"Cearnach · postálacha","Tall · stories":"Ard · scéalta","Download picture":"Íoslódáil an pictiúr","Made in your browser: nothing is sent anywhere.":"Déanta i do bhrabhsálaí: ní sheoltar aon rud áit ar bith.","Save as image":"Sábháil mar íomhá","Share my score":"Comhroinn mo scór","Can you beat my score?":"An féidir leat mo scór a shárú?","National holidays on weekdays in 2026 (Delhi)":"Laethanta saoire náisiúnta ar laethanta oibre in 2026 (Deilí)","Annual leave for a full year on a 6-day week (days, national minimum)":"Saoire bhliantúil do bhliain iomlán le seachtain 6 lá (laethanta, íosmhéid náisiúnta)","Maharashtra: fixed paid holidays on weekdays in 2026":"Maharashtra: laethanta saoire íoctha seasta ar laethanta oibre in 2026","Maharashtra: leave days on a 5-day week (earned + casual + 4 agreed holidays)":"Maharashtra: laethanta saor le seachtain 5 lá (saoire + saoire ócáideach + 4 lá saoire comhaontaithe)","Stamp duty on a ₹1 crore home in Mumbai":"Dleacht stampála ar theach ₹1 crore i Mumbai","Registration fee on a ₹1 crore home in Mumbai (capped)":"Táille chlárúcháin ar theach ₹1 crore i Mumbai (le huasteorainn)","Dubai Land Department fee on an AED 2,000,000 home":"Táille an Dubai Land Department ar theach AED 2,000,000","Middle East":"An Meánoirthear","Maharashtra (Mumbai, Pune)":"Maharashtra (Mumbai, Pune)","Karnataka (Bengaluru)":"Karnataka (Bengaluru)","Tamil Nadu (Chennai)":"Tamil Nadu (Chennai)","Telangana (Hyderabad)":"Telangana (Hyderabad)","West Bengal (Kolkata)":"Beangál Thiar (Kolkata)","Gujarat (Ahmedabad)":"Gujarat (Ahmedabad)","Delhi":"Deilí","Uttar Pradesh or Haryana (Noida, Gurugram)":"Uttar Pradesh nó Haryana (Noida, Gurugram)","Other state (professional tax not included)":"Stát eile (gan cháin ghairmiúil)","EPF employee contribution 12% of basic pay":"Ranníocaíocht EPF an fhostaí 12% den bhunphá","EPF employee contribution 12% (wages up to ₹15,000 a month)":"Ranníocaíocht EPF an fhostaí 12% (pá suas le ₹15,000 sa mhí)","ESIC 0.75% (pay up to ₹21,000 a month)":"ESIC 0.75% (pá suas le ₹21,000 sa mhí)","Professional tax (state)":"Cáin ghairmiúil (stát)","Income tax (old regime)":"Cáin ioncaim (an seanchóras)","Income tax (new regime)":"Cáin ioncaim (an córas nua)","Surcharge on high incomes":"Formhuirear ar ioncaim arda","Health and education cess 4%":"Muirear sláinte agus oideachais 4%","Standard deduction":"Asbhaint chaighdeánach","Deductions (professional tax, section 80C incl. EPF, others)":"Asbhaintí (cáin ghairmiúil, alt 80C leis an EPF, eile)","Employer EPF, EPS, EDLI and ESIC":"Ranníocaíochtaí fostóra EPF, EPS, EDLI agus ESIC","You are not in the EPF, so there is no EPF savings or EPS pension. The National Pension System (Private pension tab) is the usual alternative.":"Níl tú san EPF, mar sin níl coigilteas EPF ná pinsean EPS agat. Is é an National Pension System (cluaisín Pinsean príobháideach) an rogha eile is gnáthaí.","EPS pension {e} a month ({s} years of pensionable service).":"Pinsean EPS de {e} sa mhí ({s} bliain seirbhíse inphinsin).","No EPS pension: it needs at least 10 years of service (shorter service gives a lump sum instead).":"Gan phinsean EPS: tá gá le 10 mbliana seirbhíse ar a laghad (tugtar cnapshuim ina ionad do sheirbhís níos giorra).","No EPS pension before 50.":"Gan phinsean EPS roimh aois 50.","No EPS pension: members who joined after August 2014 with basic pay above ₹15,000 are not in the scheme.":"Gan phinsean EPS: níl na daoine a chuaigh isteach tar éis Lúnasa 2014 le bunphá os cionn ₹15,000 sa scéim.","EPF savings of about {b}, shown as {m} a month if drawn down evenly over your life expectancy (3% real return assumed); EPF withdrawals after 5 years of membership are tax-free.":"Coigilteas EPF de thart ar {b}, taispeánta mar {m} sa mhí má tharraingítear go cothrom é thar d’ionchas saoil (glacadh le toradh fíor 3%); tá aistarraingtí EPF tar éis 5 bliana ballraíochta saor ó cháin.","EPF savings of about {b} can be withdrawn on retirement from 55.":"Is féidir an coigilteas EPF de thart ar {b} a tharraingt ag dul ar scor ó aois 55.","No social security for the self-employed (NPS is voluntary)":"Gan leas sóisialach do dhaoine féinfhostaithe (tá an NPS deonach)","Retrenchment compensation (15 days’ wages per year of service; tax-free up to ₹5 lakh)":"Cúiteamh as laghdú foirne (pá 15 lá in aghaidh na bliana seirbhíse; saor ó cháin suas le ₹5 lakh)","Worker Re-skilling Fund (15 days’ wages, paid within 45 days)":"Worker Re-skilling Fund (pá 15 lá, íoctha laistigh de 45 lá)","Gratuity (15 days’ wages per year of service; tax-free up to ₹20 lakh)":"Gratuity (pá 15 lá in aghaidh na bliana seirbhíse; saor ó cháin suas le ₹20 lakh)","1 month (or pay instead)":"1 mhí (nó pá ina hionad)","As in your contract (often 1–3 months)":"De réir do chonartha (1–3 mhí go minic)","Industrial Relations Code s. 70":"Industrial Relations Code, alt 70","No general unemployment benefit. Workers insured with ESIC (pay up to ₹21,000 a month) may get a limited allowance from its schemes.":"Níl sochar ginearálta dífhostaíochta ann. Is féidir le daoine atá árachaithe le ESIC (pá suas le ₹21,000 sa mhí) liúntas teoranta a fháil óna scéimeanna.","Retrenchment (workers)":"Laghdú foirne (oibrithe)","15 days’ wages a year + 1 month’s notice":"Pá 15 lá sa bhliain + 1 mhí fógra","15 days’ wages a year (at most ₹20 lakh)":"Pá 15 lá sa bhliain (₹20 lakh ar a mhéad)","From 5 years (1 year on a fixed-term contract)":"Ó 5 bliana (1 bhliain ar chonradh téarma seasta)","India":"An India","New regime (default)":"Córas nua (réamhshocrú)","Old regime (with deductions)":"Seanchóras (le hasbhaintí)","State (professional tax)":"Stát (cáin ghairmiúil)","Basic pay (% of gross)":"Bunphá (% den chomhlán)","EPF contributions":"Ranníocaíochtaí EPF","On wages up to ₹15,000 (₹1,800 a month)":"Ar phá suas le ₹15,000 (₹1,800 sa mhí)","On the full basic pay":"Ar an mbunphá iomlán","Not in the EPF":"Gan EPF","Other section 80C savings a year (old regime)":"Coigilteas eile faoi alt 80C sa bhliain (seanchóras)","Other deductions a year: HRA, 80D, home loan interest (old regime)":"Asbhaintí eile sa bhliain: HRA, 80D, ús ar iasacht tí (seanchóras)","Member of the pension scheme EPS (joined before September 2014 or basic pay up to ₹15,000)":"Ball de scéim pinsin EPS (isteach roimh Mheán Fómhair 2014 nó bunphá suas le ₹15,000)","The new regime is the default: no tax up to ₹4 lakh, then 5% steps up to 30% above ₹24 lakh, and no tax at all when taxable income is ₹12 lakh or less (marginal relief just above). Salaried employees deduct a standard ₹75,000. The old regime has higher rates (5%, 20%, 30%) but keeps deductions such as section 80C (up to ₹1.5 lakh, including EPF), HRA, health insurance and home loan interest; you can choose it each year when you file. A 4% health and education cess is added, and a surcharge above ₹50 lakh.":"Is é an córas nua an réamhshocrú: gan cháin suas le ₹4 lakh, ansin céimeanna 5% go 30% os cionn ₹24 lakh, agus gan cháin ar chor ar bith nuair nach mó an t-ioncam inchánach ná ₹12 lakh (faoiseamh imeallach díreach os a chionn). Asbhaineann fostaithe suim sheasta ₹75,000. Tá rátaí níos airde sa seanchóras (5%, 20%, 30%) ach coinníonn sé asbhaintí ar nós alt 80C (suas le ₹1.5 lakh, an EPF san áireamh), HRA, árachas sláinte agus ús ar iasacht tí; is féidir leat é a roghnú gach bliain ar do thuairisceán. Cuirtear muirear sláinte agus oideachais 4% leis, agus formhuirear os cionn ₹50 lakh.","EPF, ESIC and professional tax":"EPF, ESIC agus cáin ghairmiúil","You pay 12% of your wages (basic pay, at least half of your total pay under the Labour Codes) into the Employees’ Provident Fund and your employer pays 12%, of which up to ₹1,250 a month goes to the pension scheme EPS. Many employers pay only on the ₹15,000 wage ceiling (₹1,800 a month). ESIC health insurance (0.75% for you, 3.25% for the employer) applies when your pay is ₹21,000 a month or less. Most states charge a professional tax of up to ₹2,500 a year.":"Íocann tú 12% de do phá (an bunphá, leath ar a laghad de do luach saothair iomlán faoi na Labour Codes) leis an Employees’ Provident Fund agus íocann d’fhostóir 12%, a dtéann suas le ₹1,250 sa mhí de chuig scéim pinsin EPS. Ní íocann go leor fostóirí ach ar uasteorainn ₹15,000 (₹1,800 sa mhí). Baineann árachas sláinte ESIC (0.75% duitse, 3.25% don fhostóir) le pá ₹21,000 sa mhí nó níos lú. Gearrann formhór na stát cáin ghairmiúil suas le ₹2,500 sa bhliain.","Workers are paid at least twice their normal rate of wages for overtime (Code on Wages 2019 and Occupational Safety, Health and Working Conditions Code 2020, in force since November 2025). Wages here are basic pay, at least half of the total pay. Normal hours are at most 8 a day and 48 a week; each state sets the overtime limit. Managers and supervisors follow their contract.":"Íoctar ar a laghad dhá oiread a ngnáthráta pá le hoibrithe as ragobair (Code on Wages 2019 agus Occupational Safety, Health and Working Conditions Code 2020, i bhfeidhm ó Shamhain 2025). Is é an bunphá an pá anseo, leath ar a laghad den luach saothair iomlán. 8 n-uaire sa lá agus 48 sa tseachtain ar a mhéad atá sna gnáthuaireanta; socraíonn gach stát teorainn na ragoibre. Leanann bainisteoirí agus maoirseoirí a gconradh.","Set by each state":"Socraíonn gach stát é","×{f} of wages ({w} of pay)":"×{f} den phá ({w} den luach saothair)","Professionals with receipts up to ₹75 lakh can declare 50% of their receipts as profit (presumptive taxation) and pay income tax on it at the normal rates. There is no compulsory social security for the self-employed; the National Pension System is voluntary.":"Is féidir le gairmithe a bhfuil fáltais suas le ₹75 lakh acu 50% dá bhfáltais a dhearbhú mar bhrabús (cánachas toimhdithe) agus cáin ioncaim a íoc air ag na gnáthrátaí. Níl leas sóisialach éigeantach do dhaoine féinfhostaithe; tá an National Pension System deonach.","EPS pension":"Pinsean EPS","The Employees’ Pension Scheme pays pensionable salary (average of the last 60 months, at most ₹15,000) × years of service ÷ 70, with service counted up to 35 years and 2 extra years after 20 years: at most ₹7,500 and at least ₹1,000 a month. You need 10 years of service; the pension starts at 58, from 50 with 4% less for each year earlier, or up to 60 with 4% more a year. Members who joined after August 2014 with basic pay above ₹15,000 are not covered.":"Íocann an Employees’ Pension Scheme an pá inphinsin (meán na 60 mí deiridh, ₹15,000 ar a mhéad) × blianta seirbhíse ÷ 70, le 35 bliain ar a mhéad á gcomhaireamh agus 2 bhliain bhreise tar éis 20 bliain: ₹7,500 ar a mhéad agus ₹1,000 ar a laghad sa mhí. Tá gá le 10 mbliana seirbhíse; tosaíonn an pinsean ag 58, ó 50 le 4% níos lú do gach bliain níos luaithe, nó suas go 60 le 4% níos mó sa bhliain. Níl na daoine a chuaigh isteach tar éis Lúnasa 2014 le bunphá os cionn ₹15,000 clúdaithe.","EPF savings":"Coigilteas EPF","Your 12% and the rest of the employer’s 12% build up in the Employees’ Provident Fund with yearly interest (8.25% for 2024-25). You can withdraw it on retirement from 55; withdrawals after 5 years of membership are tax-free. There is no general state pension.":"Carnann do 12% agus an chuid eile de 12% an fhostóra san Employees’ Provident Fund le hús bliantúil (8.25% do 2024-25). Is féidir leat é a tharraingt ag dul ar scor ó aois 55; tá aistarraingtí tar éis 5 bliana ballraíochta saor ó cháin. Níl pinsean ginearálta stáit ann.","Old regime: your own NPS contributions give an extra deduction of up to ₹50,000 a year (section 80CCD(1B)), on top of the ₹1.5 lakh section 80C limit. Employer contributions up to 10% of your basic pay are tax-free.":"Seanchóras: tugann do ranníocaíochtaí NPS féin asbhaint bhreise suas le ₹50,000 sa bhliain (alt 80CCD(1B)), os cionn teorainn ₹1.5 lakh alt 80C. Tá ranníocaíochtaí an fhostóra suas le 10% de do bhunphá saor ó cháin.","New regime: your own NPS contributions get no tax relief, but employer contributions up to 14% of your basic pay are tax-free (section 80CCD(2)).":"Córas nua: ní fhaigheann do ranníocaíochtaí NPS féin faoiseamh cánach, ach tá ranníocaíochtaí an fhostóra suas le 14% de do bhunphá saor ó cháin (alt 80CCD(2)).","National Pension System (NPS): employer contributions up to 14% of basic pay are tax-free (10% in the old regime, where your own contributions also get up to ₹50,000 of extra deduction). From 60 you can take up to 80% as a lump sum (60% of the fund is tax-free) and the rest buys an annuity taxed as income. Gains in equity funds are taxed at 12.5% above ₹1.25 lakh a year.":"National Pension System (NPS): tá ranníocaíochtaí an fhostóra suas le 14% den bhunphá saor ó cháin (10% sa seanchóras, áit a dtugann do ranníocaíochtaí féin asbhaint bhreise suas le ₹50,000 freisin). Ó aois 60 is féidir leat suas le 80% a thógáil mar chnapshuim (tá 60% den chiste saor ó cháin) agus ceannaíonn an chuid eile blianacht a ghearrtar cáin uirthi mar ioncam. Gearrtar 12.5% ar ghnóthachain i gcistí cothromais os cionn ₹1.25 lakh sa bhliain.","Gandhi Jayanti":"Gandhi Jayanti","Maharashtra Day":"Lá Maharashtra","The Occupational Safety, Health and Working Conditions Code gives 1 day of paid annual leave for every 20 days worked once you have worked 180 days in a year (about 12 days on a 5-day week, 15 on a 6-day week). In Maharashtra the Shops and Establishments Act adds 8 days of casual leave and 8 paid festival holidays: 26 January, 1 May, 15 August, 2 October and 4 you agree with your employer, so the leave figure there includes the casual leave and those 4 holidays. Other states: only the national minimum and the 3 national holidays (Republic Day, Independence Day, Gandhi Jayanti) are shown; state laws and contracts usually add casual leave and festival holidays.":"Tugann an Occupational Safety, Health and Working Conditions Code 1 lá saoire bliantúla íoctha do gach 20 lá oibre nuair a bhíonn 180 lá oibrithe agat sa bhliain (thart ar 12 lá le seachtain 5 lá, 15 le seachtain 6 lá). In Maharashtra cuireann an Shops and Establishments Act 8 lá saoire ócáidí agus 8 lá saoire íoctha leis: 26 Eanáir, 1 Bealtaine, 15 Lúnasa, 2 Deireadh Fómhair agus 4 a aontaíonn tú le d’fhostóir; dá bhrí sin cuimsíonn líon na laethanta saoire ansin an tsaoire ócáideach agus na 4 lá saoire sin. Stáit eile: ní thaispeántar ach an t-íosmhéid náisiúnta agus na 3 lá saoire náisiúnta (Lá na Poblachta, Lá an Neamhspleáchais, Gandhi Jayanti); de ghnáth cuireann dlíthe stáit agus conarthaí saoire ócáideach agus féilte reiligiúnacha leis.","26 weeks (12 weeks from the third child)":"26 seachtaine (12 sheachtain ón tríú leanbh)","Full pay (after 80 days of work in the last year)":"Pá iomlán (tar éis 80 lá oibre sa bhliain dheireanach)","None by law in the private sector":"Dada de réir dlí san earnáil phríobháideach","By employer policy":"De réir pholasaí an fhostóra","Set by state law and contracts (often 7–12 days a year)":"Socraithe ag dlí stáit agus ag conarthaí (7–12 lá sa bhliain go minic)","ESIC pays 70% of wages for up to 91 days if your pay is up to ₹21,000":"Íocann ESIC 70% den phá ar feadh suas le 91 lá má tá do phá suas le ₹21,000","Retrenched (worker with at least 1 year of service)":"Laghdú foirne (oibrí le 1 bhliain seirbhíse ar a laghad)","Let go as a manager or supervisor":"Scaoileadh mar bhainisteoir nó mar mhaoirseoir","Fixed-term contract ends":"Críochnaíonn conradh téarma seasta","After 5 years of continuous service (1 year on a fixed-term contract) you get 15 days’ wages for each year: wages × 15 ÷ 26 × years, where a part year of more than 6 months counts as a full year. Wages are basic pay, at least half of your total pay. It is paid whether you resign, retire or are let go (not after dismissal for serious misconduct), at most ₹20 lakh, and is tax-free up to that amount.":"Tar éis 5 bliana seirbhíse leanúnaí (1 bhliain ar chonradh téarma seasta) faigheann tú pá 15 lá do gach bliain: pá × 15 ÷ 26 × blianta, agus comhairtear cuid de bhliain os cionn 6 mhí mar bhliain iomlán. Is é an bunphá an pá, leath ar a laghad de do luach saothair iomlán. Íoctar é má éiríonn tú as, má théann tú ar scor nó má scaoiltear thú (ní tar éis briseadh as mí-iompar tromchúiseach), ₹20 lakh ar a mhéad, agus tá sé saor ó cháin suas go dtí an méid sin.","Retrenchment":"Laghdú foirne","Workers (not managers or supervisors) with at least a year of service get one month’s notice or pay instead, 15 days’ wages for each year of service (tax-free up to ₹5 lakh) and another 15 days’ wages from the Worker Re-skilling Fund. Large establishments (300 or more workers) need government permission. There is no general unemployment benefit; ESIC schemes help some low-paid insured workers for a limited time.":"Faigheann oibrithe (seachas bainisteoirí nó maoirseoirí) a bhfuil bliain seirbhíse ar a laghad acu mí fógra nó pá ina hionad, pá 15 lá do gach bliain seirbhíse (saor ó cháin suas le ₹5 lakh) agus pá 15 lá eile ón Worker Re-skilling Fund. Tá cead an rialtais de dhíth ar bhunaíochtaí móra (300 oibrí nó níos mó). Níl sochar ginearálta dífhostaíochta ann; cuidíonn scéimeanna ESIC le roinnt daoine árachaithe ar phá íseal ar feadh tréimhse theoranta.","With your figures the {r} would leave you <b>{d}</b> more a year. Salaried employees can choose their regime each year when they file.":"Le d’fhigiúirí, d’fhágfadh an {r} <b>{d}</b> níos mó agat sa bhliain. Is féidir le fostaithe a gcóras a roghnú gach bliain ar a dtuairisceán.","new regime":"córas nua","old regime":"seanchóras","Your regime is the better one with your figures: the {r} would cost you <b>{d}</b> more a year.":"Is é do chóras an ceann is fearr le d’fhigiúirí: chosnódh an {r} <b>{d}</b> níos mó ort sa bhliain.","An employer NPS contribution of up to 14% of your basic pay is tax-free even in the new regime, so asking for part of your pay that way can raise your take-home pay.":"Tá ranníocaíocht NPS ón bhfostóir suas le 14% de do bhunphá saor ó cháin fiú sa chóras nua, mar sin d’fhéadfadh cuid de do luach saothair a fháil ar an mbealach sin do ghlanphá a ardú.","Spouses are taxed separately and there is no child allowance in the new regime; in the old regime school fees for up to two children count towards section 80C.":"Gearrtar cáin ar chéilí ar leith agus níl liúntas leanaí sa chóras nua; sa seanchóras áirítear táillí scoile suas le beirt leanaí faoi alt 80C.","Retrenchment 15 days’ wages a year + gratuity after 5 years":"Laghdú foirne: pá 15 lá sa bhliain + gratuity tar éis 5 bliana","26 weeks at full pay":"26 seachtaine ar phá iomlán","By state law (often 7–12 days)":"De réir dlí stáit (7–12 lá go minic)","Yearly EPF, ESIC, professional tax and income tax for one salaried employee in FY 2026-27 (April 2026 to March 2027). The old regime uses only the deductions you enter; HRA exemption rules, perquisites, the employer’s admin minimums, Labour Welfare Fund, the higher EPS pension option and women’s professional tax exemptions are not modelled.":"EPF, ESIC, cáin ghairmiúil agus cáin ioncaim bhliantúil d’fhostaí amháin sa bhliain chánach 2026-27 (Aibreán 2026 go Márta 2027). Ní úsáideann an seanchóras ach na hasbhaintí a chuireann tú isteach; ní ríomhtar rialacha díolúine HRA, sochair chomhchineáil, íostáillí riaracháin an fhostóra, an Labour Welfare Fund, rogha an phinsin EPS níos airde ná díolúintí cánach gairmiúla do mhná.","Official sources: Income Tax Department (tax slabs and rebate for FY 2026-27), EPFO (EPF and EPS contributions, EPS-95 pension), ESIC (contribution rates and wage limit), Ministry of Labour and Employment (Labour Codes in force since 21 November 2025: wages, leave, overtime, gratuity, retrenchment), state professional tax laws, Reserve Bank of India (housing loan limits), MoSPI (consumer prices, household consumption survey 2023-24), World Bank ICP (price levels).":"Foinsí oifigiúla: Income Tax Department (bandaí agus lacáiste 2026-27), EPFO (ranníocaíochtaí EPF agus EPS, pinsean EPS-95), ESIC (rátaí agus uasteorainn pá), Ministry of Labour and Employment (Labour Codes i bhfeidhm ó 21 Samhain 2025: pá, saoire, ragobair, gratuity, laghdú foirne), dlíthe stáit maidir le cáin ghairmiúil, Reserve Bank of India (teorainneacha iasachtaí tí), MoSPI (praghsanna tomhaltóirí, suirbhé ar thomhaltas teaghlaigh 2023-24), an Banc Domhanda ICP (leibhéil praghsanna).","New-regime tax on ₹14.25 lakh of taxable income (incl. 4% cess)":"Cáin an chórais nua ar ₹14.25 lakh d’ioncam inchánach (muirear 4% san áireamh)","Tax on ₹12.1 lakh of taxable income after marginal relief (incl. cess)":"Cáin ar ₹12.1 lakh d’ioncam inchánach tar éis faoiseamh imeallach (muirear san áireamh)","Old-regime tax on ₹10 lakh of taxable income (under 60, incl. cess)":"Cáin an tseanchórais ar ₹10 lakh d’ioncam inchánach (faoi 60, muirear san áireamh)","New-regime tax on ₹51 lakh with surcharge marginal relief":"Cáin an chórais nua ar ₹51 lakh le faoiseamh imeallach an fhormhuirir","EPF employee contribution at the ₹15,000 wage ceiling (a month)":"Ranníocaíocht EPF an fhostaí ag an uasteorainn ₹15,000 (sa mhí)","Employer share going to EPS (a month)":"Sciar an fhostóra a théann chuig EPS (sa mhí)","Maximum EPS pension (₹15,000, 35 years)":"An pinsean EPS is airde (₹15,000, 35 bliain)","EPS minimum pension after 10 years on ₹5,000":"An pinsean EPS is ísle tar éis 10 mbliana le ₹5,000","Gratuity after 10 years on ₹30,000 wages":"Gratuity tar éis 10 mbliana le pá ₹30,000","Gratuity cap":"Uasteorainn an gratuity","GPSSA pension contribution 11%":"Ranníocaíocht pinsin GPSSA 11%","ILOE unemployment insurance premium":"Préimh árachais dífhostaíochta ILOE","Income tax (none in the UAE)":"Cáin ioncaim (níl ceann ann san UAE)","Basic salary (used for gratuity and overtime)":"Bunphá (don aisce deireadh seirbhíse agus don ragobair)","Employer GPSSA contribution":"Ranníocaíocht GPSSA an fhostóra","Expatriates build no state pension in the UAE. Your end-of-service gratuity (Termination tab) is paid when you leave a job, and your home country’s pension may count earlier years.":"Le saoránacht eachtrach ní thógann tú pinsean stáit san UAE. Íoctar d’aisce deireadh seirbhíse (cluaisín Dífhostú) nuair a fhágann tú post, agus d’fhéadfadh pinsean do thíre dúchais na blianta roimhe a chomhaireamh.","A GPSSA pension needs at least 15 years of contributions; with fewer years you get an end-of-service gratuity instead.":"Teastaíonn 15 bliana ranníocaíochtaí ar a laghad do phinsean GPSSA; le níos lú blianta faigheann tú aisce deireadh seirbhíse ina ionad.","The pension starts at 60, or from 55 once you have 30 years of contributions.":"Tosaíonn an pinsean ag 60, nó ó 55 nuair a bhíonn 30 bliain ranníocaíochtaí agat.","GPSSA pension: {p} of your average contribution salary of the last 6 years ({s} a month) after {y} years of contributions. No income tax is due on it.":"Pinsean GPSSA: {p} de do mheánphá ranníocaíochta le 6 bliana anuas ({s} sa mhí) tar éis {y} bliain ranníocaíochtaí. Níl cáin ioncaim dlite air.","End-of-service gratuity (21 days’ basic salary a year for 5 years, then 30 days)":"Aisce deireadh seirbhíse (bunphá 21 lá sa bhliain ar feadh 5 bliana, ansin 30 lá)","ILOE: {m} a month (60% of your basic salary, capped) for up to 3 months, if you subscribed for at least 12 months":"ILOE: {m} sa mhí (60% de do bhunphá, le huasteorainn) ar feadh suas le 3 mhí, tar éis 12 mhí árachais ar a laghad","ILOE does not pay after a resignation":"Ní íocann ILOE tar éis éirí as","30 to 90 days, as in your contract":"30 go 90 lá, de réir do chonartha","Gratuity per year (basic salary)":"Aisce in aghaidh na bliana (bunphá)","21 days":"21 lá","30 days (total at most 2 years’ wage)":"30 lá (2 bhliain pá ar a mhéad san iomlán)","Labour law art. 43":"Dlí an tsaothair, alt 43","Eid al-Fitr holiday":"Saoire Eid al-Fitr","Arafat Day":"Lá Arafat","Eid al-Adha holiday":"Saoire Eid al-Adha","Islamic New Year":"Athbhliain Ioslamach","Prophet Muhammad’s birthday":"Breithlá an Fháidh Muhammad","National Day (Eid Al Etihad)":"Lá Náisiúnta (Eid Al Etihad)","National Day holiday":"Lá saoire an Lae Náisiúnta","United Arab Emirates":"Aontas na nÉimíríochtaí Arabacha","Nationality":"Saoránacht","Expatriate":"Saoránacht eachtrach","UAE national (GPSSA, insured from 31 October 2023)":"Saoránacht an UAE (GPSSA, árachas ó 31 Deireadh Fómhair 2023)","Basic salary (% of gross)":"Bunphá (% den chomhlán)","No income tax":"Gan cháin ioncaim","The UAE has no personal income tax on salaries, so your take-home pay is your gross pay less any pension contribution and the small ILOE premium. Salaries are usually split into basic salary and allowances (housing, transport); the basic salary sets your gratuity and overtime pay.":"Níl cáin ioncaim ar thuarastail san UAE, mar sin is é do ghlanphá an pá comhlán lúide ranníocaíocht phinsin, más ann di, agus an phréimh bheag ILOE. De ghnáth roinntear tuarastail ina mbunphá agus liúntais (lóistín, iompar); socraíonn an bunphá d’aisce agus do phá ragoibre.","Pension contributions (Emiratis)":"Ranníocaíochtaí pinsin (saoránaigh an UAE)","UAE nationals in the private sector insured from 31 October 2023 pay 11% of their contract salary (AED 3,000 to AED 70,000 a month) to the GPSSA and their employer 15%, of which the government pays 2.5 points below AED 20,000. Those insured earlier pay 5% under the old law. Expatriates pay no pension contributions.":"Íocann saoránaigh an UAE san earnáil phríobháideach atá árachaithe ó 31 Deireadh Fómhair 2023 11% dá bpá conartha (AED 3,000 go AED 70,000 sa mhí) leis an GPSSA agus íocann a bhfostóir 15%, a n-íocann an stát 2.5 phointe de faoi AED 20,000. Íocann na daoine a árachaíodh níos luaithe 5% faoin seandlí. Le saoránacht eachtrach ní íoctar ranníocaíochtaí pinsin.","Unemployment insurance (ILOE)":"Árachas dífhostaíochta (ILOE)","Every private-sector employee must subscribe to the Involuntary Loss of Employment scheme: AED 5 a month, or AED 10 when the basic salary is above AED 16,000.":"Caithfidh gach fostaí san earnáil phríobháideach liostáil le scéim Involuntary Loss of Employment: AED 5 sa mhí, nó AED 10 nuair atá an bunphá os cionn AED 16,000.","Overtime is paid at the hourly basic wage plus at least 25%, or plus 50% for overtime between 10 pm and 4 am (not for shift work). Work on your rest day gives another day off or the basic wage plus 50%. The hourly basic wage is the basic salary ÷ 30 ÷ daily hours. Overtime is at most 2 hours a day; normal hours are at most 8 a day and 48 a week.":"Íoctar ragobair ag an mbunphá in aghaidh na huaire móide 25% ar a laghad, nó móide 50% do ragobair idir 10 i.n. agus 4 r.n. (ní d’obair sealaíochta). Tugann obair ar do lá scíthe lá saor eile nó an bunphá móide 50%. Is ionann an bunphá in aghaidh na huaire agus an bunphá ÷ 30 ÷ uaireanta an lae. 2 uair an chloig sa lá ar a mhéad an ragobair; 8 n-uaire sa lá agus 48 sa tseachtain ar a mhéad na gnáthuaireanta.","+{p}% on basic pay":"+{p}% ar an mbunphá","Overtime between 10 pm and 4 am":"Ragobair idir 10 i.n. agus 4 r.n.","Work on your rest day":"Obair ar do lá scíthe","No social security for self-employed expatriates":"Gan leas sóisialach do dhaoine féinfhostaithe le saoránacht eachtrach","Freelancers":"Saoroibrithe","There is no personal income tax. Individuals whose business turnover is above AED 1 million a year fall under the 9% corporate tax on profit above AED 375,000, but small business relief (revenue up to AED 3 million) removes it for tax periods ending by 31 December 2026. Freelancers need a freelance permit or a trade licence.":"Níl cáin ioncaim phearsanta ann. Tagann daoine a bhfuil láimhdeachas os cionn AED 1 milliún sa bhliain acu faoin gcáin chorparáide 9% ar bhrabús os cionn AED 375,000, ach baineann faoiseamh do ghnólachtaí beaga (ioncam suas le AED 3 mhilliún) í do thréimhsí cánach a chríochnaíonn faoi 31 Nollaig 2026. Teastaíonn cead saoroibre nó ceadúnas trádála ó shaoroibrithe.","GPSSA pension (Emiratis)":"Pinsean GPSSA (saoránaigh an UAE)","For Emiratis insured from 31 October 2023, the pension is 2.67% of the average contribution salary of the last 6 years for each year of contributions up to 30 years (80.1%), then 4% a year, reaching 100% at 35 years. It is paid from 60 with at least 15 years, or on request from 55 with 30 years; with fewer than 15 years you get an end-of-service gratuity instead. Mothers can retire earlier.":"Do shaoránaigh an UAE atá árachaithe ó 31 Deireadh Fómhair 2023, is é an pinsean 2.67% de mheánphá ranníocaíochta na 6 bliana deiridh do gach bliain ranníocaíochtaí suas le 30 bliain (80.1%), ansin 4% sa bhliain, go 100% tar éis 35 bliain. Íoctar é ó 60 le 15 bliana ar a laghad, nó ar iarratas ó 55 le 30 bliain; le níos lú ná 15 bliana tugtar aisce deireadh seirbhíse ina ionad. Is féidir le máithreacha dul ar scor níos luaithe.","Expatriates":"Saoránacht eachtrach","Expatriates are not covered by the GPSSA and build no state pension. They receive the end-of-service gratuity when a job ends; some employers offer the voluntary end-of-service savings scheme instead.":"Níl daoine le saoránacht eachtrach clúdaithe ag an GPSSA agus ní thógann siad pinsean stáit. Faigheann siad an aisce deireadh seirbhíse nuair a chríochnaíonn post; tairgeann roinnt fostóirí an scéim dheonach coigiltis deireadh seirbhíse ina ionad.","There is no income tax, so savings get no tax relief and withdrawals are not taxed.":"Níl cáin ioncaim ann, mar sin ní fhaigheann coigilteas faoiseamh cánach agus ní ghearrtar cáin ar aistarraingtí.","With no income tax, a private plan has no tax advantage over investing yourself: compare the fees. Employers can pay the end-of-service gratuity into an approved savings fund under the voluntary scheme introduced in 2023.":"Gan cháin ioncaim, níl buntáiste cánach ag plean príobháideach thar infheistíocht neamhspleách: cuir na táillí i gcomparáid. Is féidir le fostóirí an aisce deireadh seirbhíse a íoc isteach i gciste coigiltis ceadaithe faoin scéim dheonach a tugadh isteach in 2023.","After a year of service you get 30 calendar days of paid annual leave (about 22 working days with a Saturday–Sunday weekend); between 6 and 12 months, 2 days a month. The official public holidays of 2026 are shown, including the Islamic holidays as announced; their dates follow the moon and are set each year.":"Tar éis bliain seirbhíse faigheann tú 30 lá féilire de shaoire bhliantúil íoctha (thart ar 22 lá oibre le deireadh seachtaine Satharn–Domhnach); idir 6 agus 12 mhí, 2 lá sa mhí. Taispeántar laethanta saoire oifigiúla 2026, na féilte Ioslamacha san áireamh mar a fógraíodh iad; leanann a ndátaí an ghealach agus socraítear iad gach bliain.","60 days":"60 lá","45 days full pay, 15 days half pay":"45 lá ar phá iomlán, 15 lá ar leathphá","5 working days within 6 months of the birth":"5 lá oibre laistigh de 6 mhí ón mbreith","Up to 90 days a year after probation":"Suas le 90 lá sa bhliain tar éis promhaidh","15 days full pay, 30 days half pay, then unpaid":"15 lá ar phá iomlán, 30 lá ar leathphá, ansin gan phá","Contract ends":"Críochnaíonn an conradh","End-of-service gratuity":"Aisce deireadh seirbhíse","Expatriates with at least a year of continuous service get 21 days of basic salary for each of the first 5 years and 30 days for each further year, pro rata for part years, at most two years’ wage. A day is the basic salary ÷ 30. It is paid however the contract ends, including a resignation. UAE nationals are covered by the pension law instead.":"Faigheann daoine le saoránacht eachtrach a bhfuil bliain seirbhíse leanúnaí ar a laghad acu bunphá 21 lá do gach ceann de na 5 bliana tosaigh agus 30 lá do gach bliain ina dhiaidh sin, pro rata do chodanna de bhliain, 2 bhliain pá ar a mhéad. Is ionann lá agus an bunphá ÷ 30. Íoctar í cibé conas a chríochnaíonn an conradh, éirí as san áireamh. Tá saoránaigh an UAE clúdaithe ag an dlí pinsin ina ionad.","Notice and ILOE":"Fógra agus ILOE","The notice period is 30 to 90 days, as agreed in the contract. If you lose your job (not by resignation or for misconduct) after at least 12 months in the ILOE scheme, it pays 60% of your average basic salary of the last 6 months, at most AED 10,000 a month (AED 20,000 when the basic salary is above AED 16,000), for up to 3 months.":"Is é 30 go 90 lá an tréimhse fógra, mar a comhaontaíodh sa chonradh. Má chailleann tú do phost (ní trí éirí as ná de bharr mí-iompair) tar éis 12 mhí ar a laghad san ILOE, íocann sé 60% de do mheánbhunphá le 6 mhí anuas, AED 10,000 sa mhí ar a mhéad (AED 20,000 nuair atá an bunphá os cionn AED 16,000), ar feadh suas le 3 mhí.","Your gratuity and overtime pay are based on your basic salary only, so the share of basic pay in your package matters as much as the total.":"Tá d’aisce agus do phá ragoibre bunaithe ar an mbunphá amháin, mar sin tá sciar an bhunphá i do phacáiste chomh tábhachtach leis an iomlán.","As an expatriate you build no state pension here: saving part of your tax-free pay yourself is the main way to prepare for retirement.":"Gan saoránacht an UAE ní thógann tú pinsean stáit anseo: is é cuid de do phá saor ó cháin a choigilt an príomhbhealach chun ullmhú don scor.","There is no income tax, so a partner’s salary does not change your take-home pay.":"Níl cáin ioncaim ann, mar sin ní athraíonn pá do pháirtí do ghlanphá.","Gratuity: 21–30 days’ basic salary per year":"Aisce: bunphá 21–30 lá sa bhliain","30–90 days":"30–90 lá","60% of basic salary, 3 months":"60% den bhunphá, 3 mhí","60 days (45 at full pay, 15 at half pay)":"60 lá (45 ar phá iomlán, 15 ar leathphá)","15 days full pay, 30 days half pay":"15 lá ar phá iomlán, 30 lá ar leathphá","Monthly take-home pay for one private-sector employee in 2026: no income tax, the ILOE premium and, for UAE nationals insured from 31 October 2023, the 11% GPSSA contribution. Emiratis insured under the old law (5%), Abu Dhabi’s own pension fund for its nationals, DIFC’s DEWS plan, VAT and fees are not modelled.":"Glanphá míosúil fostaí amháin san earnáil phríobháideach in 2026: gan cháin ioncaim, préimh ILOE agus, do shaoránaigh an UAE atá árachaithe ó 31 Deireadh Fómhair 2023, ranníocaíocht GPSSA 11%. Ní ríomhtar saoránaigh faoin seandlí (5%), ciste pinsin Abu Dhabi féin dá shaoránaigh, plean DEWS an DIFC, CBL ná táillí.","Official sources: General Pension and Social Security Authority (Federal Decree-Law 57 of 2023: contributions and pension), Ministry of Human Resources and Emiratisation (Labour Law, Decree-Law 33 of 2021: leave, overtime, gratuity, notice; ILOE scheme), UAE Government portal (public holidays 2026), Federal Tax Authority (corporate tax and small business relief), Central Bank of the UAE (mortgage rules), Dubai Land Department (fees), Federal Competitiveness and Statistics Centre (consumer prices), World Bank ICP (price levels).":"Foinsí oifigiúla: General Pension and Social Security Authority (Foraithne-Dlí 57 de 2023: ranníocaíochtaí agus pinsean), Ministry of Human Resources and Emiratisation (dlí an tsaothair, Foraithne-Dlí 33 de 2021: saoire, ragobair, aisce, fógra; scéim ILOE), tairseach Rialtas an UAE (laethanta saoire 2026), Federal Tax Authority (cáin chorparáide agus faoiseamh do ghnólachtaí beaga), Banc Ceannais an UAE (rialacha iasachtaí tí), Dubai Land Department (táillí), Federal Competitiveness and Statistics Centre (praghsanna tomhaltóirí), an Banc Domhanda ICP (leibhéil praghsanna).","GPSSA employee contribution on AED 15,000 a month (UAE national)":"Ranníocaíocht GPSSA an fhostaí ar AED 15,000 sa mhí (saoránacht an UAE)","Maximum GPSSA employee contribution (AED 70,000 ceiling)":"An ranníocaíocht GPSSA fostaí is airde (uasteorainn AED 70,000)","GPSSA pension after 30 years on an average of AED 20,000":"Pinsean GPSSA tar éis 30 bliain ar mheán AED 20,000","GPSSA pension after 35 years on an average of AED 20,000":"Pinsean GPSSA tar éis 35 bliain ar mheán AED 20,000","Gratuity after 10 years on a basic salary of AED 10,000":"Aisce tar éis 10 mbliana le bunphá AED 10,000","Gratuity cap after 30 years (two years’ wage)":"Uasteorainn na haisce tar éis 30 bliain (2 bhliain pá)","ILOE benefit for 3 months on a basic salary of AED 10,000":"Sochar ILOE ar feadh 3 mhí le bunphá AED 10,000","Maharashtra (6% + 1%)":"Maharashtra (6% + 1%)","Karnataka (about 5.6% + 1%)":"Karnataka (thart ar 5.6% + 1%)","Tamil Nadu (about 7% + 2%)":"Tamil Nadu (thart ar 7% + 2%)","Telangana (about 7.5%)":"Telangana (thart ar 7.5%)","West Bengal (about 6–7% + 1%)":"Beangál Thiar (thart ar 6–7% + 1%)","Gujarat (about 4.9% + 1%)":"Gujarat (thart ar 4.9% + 1%)","Delhi (6% + 1%)":"Deilí (6% + 1%)","Uttar Pradesh or Haryana (about 7% + 1%)":"Uttar Pradesh nó Haryana (thart ar 7% + 1%)","Other state (estimate, 6% + 1%)":"Stát eile (meastachán, 6% + 1%)","Dubai":"Dubai","Abu Dhabi":"Abu Dhabi","Stamp duty {0}":"Dleacht stampála {0}","Registration fee 1% (at most ₹30,000)":"Táille chlárúcháin 1% (₹30,000 ar a mhéad)","Registration fee {0}":"Táille chlárúcháin {0}","Loan processing, legal and valuation fees (estimate, about 0.5% of the loan)":"Táillí próiseála, dlí agus luachála na hiasachta (meastachán, thart ar 0.5% den iasacht)","Abu Dhabi transfer fee 2%":"Táille aistrithe Abu Dhabi 2%","Mortgage registration 0.1% of the loan":"Clárú morgáiste 0.1% den iasacht","Agent commission and bank fees (estimate, about 3%)":"Coimisiún gníomhaire agus táillí bainc (meastachán, thart ar 3%)","Dubai Land Department transfer fee 4% + AED 580":"Táille aistrithe an Dubai Land Department 4% + AED 580","Mortgage registration 0.25% of the loan + AED 290":"Clárú morgáiste 0.25% den iasacht + AED 290","Trustee office fee incl. VAT":"Táille oifig an trustee, CBL san áireamh","Agent commission 2% + VAT (estimate)":"Coimisiún gníomhaire 2% + CBL (meastachán)","Bank arrangement and valuation fees (estimate, about 1% of the loan)":"Táillí socraithe agus luachála an bhainc (meastachán, thart ar 1% den iasacht)","Not modelled: in the old tax regime up to ₹2 lakh of interest a year on a home you live in is deductible (section 24(b)) and repayments of the loan count towards the ₹1.5 lakh section 80C limit; the new regime gives no relief for a home you live in.":"Gan ríomh: sa seanchóras cánach is féidir suas le ₹2 lakh úis sa bhliain ar theach ina gcónaíonn tú a asbhaint (alt 24(b)) agus áirítear aisíocaíochtaí na hiasachta faoi theorainn ₹1.5 lakh alt 80C; ní thugann an córas nua faoiseamh ar theach ina gcónaíonn tú.","There is no income tax, so there is no relief on mortgage interest.":"Níl cáin ioncaim ann, mar sin níl faoiseamh ar ús morgáiste.","Reserve Bank of India: a housing loan can be at most 90% of the value for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above (stamp duty and registration not counted in the value). Banks also check that all loan payments stay within about 50–60% of your income.":"Reserve Bank of India: is féidir le hiasacht tí a bheith 90% den luach ar a mhéad d’iasachtaí suas le ₹30 lakh, 80% suas le ₹75 lakh agus 75% os a chionn (ní áirítear dleacht stampála ná clárú sa luach). Seiceálann bainc freisin go bhfanann gach aisíocaíocht iasachta thart ar 50–60% de d’ioncam.","Central Bank of the UAE: a first home loan can be at most 80% of the value for expatriates (70% above AED 5 million) and 85% for UAE nationals (75% above AED 5 million); 60% or 65% for a second home and 50% for off-plan homes. All debt payments at most 50% of income, and at most 25 years.":"Banc Ceannais an UAE: is féidir le hiasacht don chéad teach a bheith 80% den luach ar a mhéad le saoránacht eachtrach (70% os cionn AED 5 mhilliún) agus 85% do shaoránaigh an UAE (75% os cionn AED 5 mhilliún); 60% nó 65% don dara teach agus 50% do thithe atá á dtógáil. Gach aisíocaíocht fiachais 50% den ioncam ar a mhéad, agus 25 bliain ar a mhéad.","The old regime uses only the deductions you enter (HRA exemption, health insurance and home loan interest must be typed in), and professional tax follows the state you choose.":"Ní úsáideann an seanchóras ach na hasbhaintí a chuireann tú isteach (caithfear díolúine HRA, árachas sláinte agus ús ar iasacht tí a chur isteach), agus leanann an cháin ghairmiúil an stát a roghnaíonn tú.","EPF savings are projected with a 3% real return (EPF interest has been about 8–8.65% a year) and shown as a monthly amount; the higher EPS pension on actual pay and the lump sums for less than 10 years of service are not modelled. Your EPFO passbook gives your real balance.":"Réamh-mheastar coigilteas EPF le toradh fíor 3% (bhí ús EPF thart ar 8–8.65% sa bhliain) agus taispeántar é mar mhéid míosúil; ní ríomhtar an pinsean EPS níos airde ar an bpá iarbhír ná na cnapshuimeanna do níos lú ná 10 mbliana seirbhíse. Taispeánann do phasleabhar EPFO d’fhíorchothromaíocht.","Expatriates have no state pension. For UAE nationals the rules for people insured before 31 October 2023, the earlier ages for mothers and Abu Dhabi’s own pension fund are not modelled.":"Le saoránacht eachtrach níl pinsean stáit ann. Do shaoránaigh an UAE ní ríomhtar na rialacha do dhaoine a árachaíodh roimh 31 Deireadh Fómhair 2023, na haoiseanna níos ísle do mháithreacha ná ciste pinsin Abu Dhabi féin.","Gratuity and retrenchment use your basic pay as wages (at least half of your pay) and a day as wages ÷ 26. The law does not fix the divisor for retrenchment and some employers use ÷ 30, which gives 13% less. State laws, standing orders and contracts can give longer notice, and unused leave encashment is tax-free up to ₹25 lakh.":"Úsáideann an gratuity agus an cúiteamh as laghdú foirne do bhunphá mar phá (leath ar a laghad de do luach saothair) agus lá mar phá ÷ 26. Ní shocraíonn an dlí an roinnteoir don laghdú foirne agus úsáideann roinnt fostóirí ÷ 30, rud a thugann 13% níos lú. Is féidir le dlíthe stáit, orduithe seasta agus conarthaí fógra níos faide a thabhairt, agus tá íocaíocht as saoire neamhúsáidte saor ó cháin suas le ₹25 lakh.","The gratuity counts a day as the basic salary ÷ 30; some employers use basic × 12 ÷ 365, which gives about 1% less. Unpaid leave and days of absence are not deducted from the service.":"Comhaireann an aisce lá mar an bunphá ÷ 30; úsáideann roinnt fostóirí bunphá × 12 ÷ 365, rud a thugann thart ar 1% níos lú. Ní bhaintear saoire gan phá ná neamhláithreacht den tseirbhís.","Your NPS contributions":"Do ranníocaíochtaí NPS","Questions":"Ceisteanna"}