Money
A financial reference for Irish hospital doctors: what each grade earns after tax, where the deductions go, the funding schemes you are entitled to claim, and the deadlines that matter.
Take-home pay
Net pay for every NCHD and consultant grade: a calculator covering each scale point, work pattern and on-call level under 2026 tax rules.
First six months
A financial guide to the intern year: what to set up before July, when the first payslip arrives, and how to avoid emergency tax.
Payslip
Each line of an HSE payslip explained: PAYE, USC, PRSI, pension contributions, ASC and voluntary deductions.
Tax credits
The credits and reliefs available to hospital doctors, what each is worth, and how to claim them through Revenue.
Family leave
Maternity and paternity leave for NCHDs in Ireland: HSE pay, benefits, rotating contracts, application deadlines, parent’s leave and returning to training.
Pension
How the public service pension schemes work, what ASC is, and how much extra you can contribute with tax relief.
Training funds
The HSE education funding schemes for NCHDs: allowances by grade, eligible expenses, and how to claim.
Insurance
Sick pay entitlements, income protection, and the cover doctors already hold through the pension scheme and PRSI.
Mortgage
Borrowing on a rotating contract, the Central Bank lending rules, and the state supports for first-time buyers.
Investing
A sequence for allocating savings, and how Ireland taxes deposits, ETFs, shares and pension contributions.
Calendar
The recurring tax and training-scheme deadlines for Irish doctors, month by month, with a downloadable calendar.
Checklists
Working checklists for the first week in post, the annual review, tax reliefs, training funds and mortgage preparation.
Take-home pay by grade
The figures below are the first point of each scale, full-time, single, with no on-call: a floor rather than an average. The calculator on the take-home page covers every grade, scale point, work pattern and on-call level.
| Grade (point 1) | Gross per year | Take-home per year |
|---|---|---|
| Intern | €47,127 | €36,716 |
| Senior House Officer | €55,292 | €40,545 |
| Registrar | €70,276 | €47,551 |
| Specialist Registrar | €78,786 | €51,108 |
| Consultant (2023 contract) | €238,221 | €117,752 |
Official resources
The official portals these pages reference. Revenue myAccount, the NER portal and the HSE pay scales are the three used most often.
This is general information for the 2026 tax year, last reviewed 4 August 2026. It is not financial, tax, or investment advice. For decisions about your own circumstances, consult the official sources linked on each page or a qualified professional. MedPath is not affiliated with the HSE or Revenue.