Irish CGT, Exit Tax & Crypto Tax Calculator — Irish Investor
Free Irish tax calculator for investments: CGT, Exit Tax/deemed disposal, DIRT, dividends, and crypto tax. Import from Trade Republic, Revolut, Binance, Bybit, Kraken, Lightyear. Built for Irish investors.
Tax Types Covered
- Capital Gains Tax (CGT) — 33%: S.581 TCA 1997 matching rules (same-day, 4-week bed & breakfast, FIFO). €1,270 annual exemption per person. Loss carry-forward across tax years.
- Exit Tax — 38%: 8-year deemed disposal for EU-domiciled ETFs (IE, LU, DE, FR ISINs). Automatic deadline tracking. 3-phase credit system (buys → DD credits → sells).
- DIRT — 33%: Deposit interest retention tax on broker cash balances. Self-assessed — brokers like Trade Republic do not deduct Irish DIRT.
- Dividend Tax — ~48%: Marginal rate (Income Tax + USC + PRSI) with automatic foreign withholding tax credits.
- Crypto Income Tax — ~48%: Staking, Learn & Earn, airdrops taxed as income at marginal rate with FIFO cost basis.
Built For Irish-Resident Investors
Honest about what this tool calculates — and what it doesn't.
Covered
- Capital Gains Tax — FIFO with same-day + 4-week bed & breakfast matching per S.581 TCA 1997.
- Exit Tax on EU funds — 8-year deemed disposal on EU-domiciled funds with later-disposal credit tracking.
- DIRT — Deposit interest retention tax on broker cash balances.
- Foreign dividends — Marginal rate (Income Tax + USC + PRSI) with withholding-tax credit.
- Crypto rewards — Staking, Learn & Earn, airdrops taxed as income at marginal rate.
- Crypto disposals — Spot and derivatives at 33% CGT with FIFO cost basis.
Out of scope
- Non-resident or non-domiciled status — Calculations assume Irish tax residence and domicile.
- Remittance-basis taxation — No support for the remittance basis available to non-domiciled residents.
- Irish life-assurance products — Section 730 life policies use a separate gross-roll-up regime not modelled here.
- ARF / AMRF distributions — Approved Retirement Fund drawdowns are pension income, outside the investment scope.
- Partnership returns or trust structures — Income or gains flowing through partnerships and trusts need separate treatment.
- Corporate investment vehicles — Calculations target individual self-assessment, not company or close-company tax.
How It Works
- Upload your data — upload broker CSVs or PDFs, connect via API (Binance, Bybit, Kraken), or enter transactions manually. We auto-detect the format.
- We calculate your taxes — Irish Revenue rules applied automatically: CGT with S.581 matching, Exit Tax with 8-year tracking, DIRT, dividends, crypto income.
- Review before filing — download tax reports with Form 11 guidance and verify each figure against your records.
Supported Brokers
Trade Republic (PDF), Revolut Stocks (CSV), Revolut Crypto (CSV), Revolut Robo Advisor (CSV), Binance (API + CSV), Bybit (API + CSV), Kraken (API + CSV), Lightyear (CSV). Manual entry available for any broker.
Support Development
Irish Investor is free to use while Free Mode is active. Portfolio tracking, multi-broker import, Irish investment-tax estimates, PDF export, deemed disposal tracking, and Form 11 guidance are available without checkout. Voluntary support via Ko-fi unlocks no additional features.
If the tool has saved you time, voluntary support is available via Ko-fi at ko-fi.com/irish_investor. Support is entirely optional and unlocks no additional features.
Frequently Asked Questions
- Do I need to pay to use Irish Investor?
- No card payment is currently required while Free Mode is active. The available portfolio, import, tax-estimate, deemed-disposal, PDF export, and Form 11 guidance features are not gated by checkout. If the tool has saved you time, voluntary support is available via Ko-fi, but nothing is gated behind it.
- Which brokers are supported?
- Trade Republic (PDF), Revolut Stocks (CSV), Revolut Crypto (CSV), Revolut Robo Advisor (CSV), Binance (API + CSV), Bybit (API + CSV), Kraken (API + CSV), and Lightyear (CSV). We auto-detect the format. You can also manually enter transactions from any broker.
- Which tax rules does Irish Investor model?
- Irish Investor models Revenue-published Irish investment-tax rules for CGT with same-day and 4-week bed & breakfast matching (S.581 TCA 1997), Exit Tax with 8-year deemed disposal tracking, DIRT on deposit interest, and marginal-rate estimates for dividends and crypto income. The codebase includes 3100+ automated tests covering tax calculations, matching rules, and parser behavior. Always verify material figures before filing.
- What is Exit Tax and deemed disposal?
- Exit Tax (38%) applies to Irish/EU domiciled funds (ETFs with ISIN starting IE, LU, DE, FR, etc.). After 8 years from purchase, you must declare gains even if you haven't sold. We track these dates automatically.
- Can I track investments for multiple people?
- Yes. Family Mode lets you track investments per person (e.g., husband and wife). Each person gets their own €1,270 CGT exemption, perfect for joint assessment on Form 11.
- How does loss carry-forward work?
- CGT losses can offset future CGT gains (not Exit Tax gains - separate regime). We automatically calculate your losses from transactions and track them year-over-year. You can also enter prior year losses manually.
- How are crypto rewards taxed in Ireland?
- Crypto rewards from Learn & Earn programs and staking are taxed as income, not capital gains. That means Income Tax (20%/40%) + USC + PRSI — typically around 48% at the higher rate. We calculate your exact marginal rate based on your income settings.
- How are foreign dividends handled?
- Foreign dividends are taxed at your marginal rate (Income Tax + USC + PRSI). Withholding tax paid abroad (e.g., 15% US WHT) is automatically credited against your Irish tax liability. We show the net tax due after credits.
- Is my data secure?
- Your account data is stored in the EU, encrypted in transit, and sensitive fields such as broker API credentials are encrypted at rest. We do not sell your data or share it for advertising. Some service providers, broker APIs, and price/FX providers process data as described in the Privacy Policy.
- What if I find an error in the calculations?
- Contact us via Settings → Support tab. Select "Bug Report", describe the issue, and attach any relevant files (CSV, PDF). We take accuracy seriously — every reported issue is reproduced, fixed, and covered by a regression test to ensure it never happens again.
- Do I need to pay tax on ETF gains even if I don't sell?
- Yes — if your ETF is domiciled in the EU (ISIN starting with IE, LU, DE, FR, etc.), Ireland's deemed disposal rule applies. After holding for 8 years, you owe Exit Tax (38%) on unrealised gains — even though you still own the fund. Irish Investor tracks these 8-year deadlines automatically and alerts you before they arrive.
- What is the bed and breakfast rule for shares in Ireland?
- Under S.581 TCA 1997, if you sell shares and repurchase the same shares within 4 weeks, the sale is matched against the repurchase for CGT purposes — not against your original cost basis. This prevents tax loss harvesting through quick buybacks. Irish Investor applies this 4-week backward matching automatically when calculating your CGT.
- How do I report crypto gains and income on Form 11?
- Crypto disposals (selling, swapping, spending) are Capital Gains Tax events at 33%. Crypto rewards (staking, Learn & Earn, airdrops) are taxed as income at your marginal rate (~48%). Irish Investor separates the two categories and provides Form 11 guidance so you can review each figure before filing.
- How do I import my Trade Republic or Revolut data?
- For Trade Republic: download your transaction PDF from the app, then upload it to Irish Investor — we parse all transactions automatically. For Revolut: export your Stocks or Crypto CSV statement from the app, then upload. Both formats are auto-detected. You can also connect Binance, Bybit, or Kraken via API for automatic syncing.
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Contact: support@irish-investor.com