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 + CSV), Trading 212 Invest (CSV), Interactive Brokers Activity Flex beta (XML for long-only STK trades, dividends, and withholding), Revolut Stocks (CSV), Revolut Crypto (CSV), Revolut Robo Advisor (CSV), Binance (API + CSV), Bybit (API + CSV), Kraken (API + CSV), Lightyear (CSV), and DEGIRO Account Statement (CSV). We auto-detect the listed formats. IBKR options, futures, shorts, payment-in-lieu rows, and corporate actions require manual review; positive paper-export validation remains open. 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, payer-classified Irish and foreign deposit-interest branches, and backend person/year Income Tax, USC, and applicable PRSI liability estimates for dividends and supported records classified as crypto rewards. Unclassified interest, unresolved crypto sources, derivatives needing separate review, and unresolved liability inputs stay outside complete trusted totals. The codebase includes 7,000+ automated tests covering tax calculations, matching rules, and parser behavior. Always verify material figures before filing.

What is Exit Tax and deemed disposal?

The supported Exit Tax model uses 38% from 2026 for funds whose legal and regulatory facts support that treatment. ETF, UCITS, domicile and ISIN labels alone do not decide the result. For reviewed assets, we track 8-year dates from imported acquisition data.

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 estimate losses from transactions and track them year-over-year. You can also enter prior year losses manually.

How are crypto rewards taxed in Ireland?

For supported records classified as crypto rewards, Irish Investor uses a year-specific Income Tax and USC liability estimate from the complete person profile and adds PRSI only where the saved contribution class and eligibility support it. Classification remains fact-dependent: Revenue TDM 02-01-03 does not classify every staking, Earn, or airdrop receipt, so verify it before filing.

How are foreign dividends handled?

Foreign dividends use the individual's year-specific Income Tax and USC liability allocation, with PRSI added only where that person's class and eligibility make it applicable. Supported withholding data is included and we show the net estimate after credits.

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). Confirmed calculation defects are triaged, fixed where reproducible, and covered by regression tests where the behavior can be locked down.

Do I need to pay tax on ETF gains even if I don't sell?

It depends on the investment's legal and regulatory form and domicile. An ETF or UCITS label and an EU ISIN do not prove the treatment. Once you confirm an asset under the supported Exit Tax model, Irish Investor tracks its 8-year dates and keeps unresolved classifications outside complete totals.

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 models this 4-week backward matching in CGT estimates.

How do I report crypto gains and income on Form 11?

Resolved supported investment disposals enter the 33% CGT estimate by default unless the person/source is designated as Case I trading activity. Derivatives and unresolved sources require separate review. Supported records classified as crypto rewards use a year-specific profile-based Income Tax + USC estimate, with PRSI only where individually applicable; verify that classification before using the Form 11 guidance.

How do I import my Trade Republic or Revolut data?

For Trade Republic: export Transaction export.csv for regular portfolio imports, or download the Annual Tax Report PDF for annual tax-report data. For Revolut: export your Stocks or Crypto CSV statement from the app, then upload. Formats are auto-detected. You can also connect Binance, Bybit, or Kraken via API syncing.

Irish CGT, Exit Tax & Crypto Tax Calculator — Irish Investor

Free Irish investment-tax estimator for CGT, reviewed Exit Tax, payer-classified deposit interest, dividends, and supported crypto records. Import supported exports from Trade Republic, Trading 212, IBKR Activity Flex beta, Revolut, Binance, Bybit, Kraken, Lightyear, and DEGIRO.

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%: supported 8-year deemed-disposal tracking for reviewed funds. ETF, UCITS and ISIN labels alone do not establish treatment. Deadline tracking from imported acquisition data. 3-phase credit system (buys → DD credits → sells).
Irish and foreign deposit interest: explicit payer-backed classification separates Irish DIRT from foreign interest. Broker, country, IBAN, and withholding labels alone do not classify it. Unresolved records remain outside complete totals; supported Irish and foreign deposit-interest branches are USC-exempt, PRSI may still require review, and non-deposit interest requires separate review.
Dividend Tax: Individual Income Tax + USC estimate, with PRSI only where the person's contribution class and eligibility make it applicable, and foreign withholding-tax credit support when data is present.
Crypto records: Supported resolved spot disposals enter the CGT estimate by default unless the relevant person/source activity is designated Case I. Records already classified as rewards use an individual Income Tax + USC estimate after EUR valuation and profile checks; derivatives and legal classification require review.

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 fund workflow — 8-year deemed-disposal tracking for reviewed funds under the supported model, with later-disposal credit tracking.
Deposit interest — Irish DIRT and foreign-interest branches after explicit payer classification; broker, country, IBAN, and withholding labels alone do not classify it.
Foreign dividends — Individual Income Tax + USC estimate, with PRSI only where applicable, plus withholding-tax credit.
Crypto rewards — Supported records already classified as rewards use a person/year income estimate after EUR valuation and profile checks; legal classification remains for review.
Crypto disposals — Supported resolved spot disposals enter the 33% CGT estimate by default unless the relevant person/source activity is designated Case I; derivatives require separate review.

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 Reports — Download your annual report from your broker. Drag and drop the file. We auto-detect the format and parse everything.
Review Calculations — Review estimates across five tax areas: CGT, Exit Tax, DIRT, Dividends, and Crypto Income. Check deemed-disposal dates, assumptions, and recorded losses.
File Form 11 — Export a tax report with Form 11 guidance. Review each figure against your records before filing.

Supported Brokers

Trade Republic (PDF + CSV), Trading 212 Invest (CSV), Interactive Brokers Activity Flex beta (XML for long-only STK trades, dividends, and withholding), Revolut Stocks (CSV), Revolut Crypto (CSV), Revolut Robo Advisor (CSV), Binance (API + CSV), Bybit (API + CSV), Kraken (API + CSV), Lightyear (CSV), DEGIRO Account Statement (CSV). IBKR options, futures, shorts, payment-in-lieu rows, and corporate actions require manual review; positive paper-export validation remains open. Manual entry is 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 + CSV), Trading 212 Invest (CSV), Interactive Brokers Activity Flex beta (XML for long-only STK trades, dividends, and withholding), Revolut Stocks (CSV), Revolut Crypto (CSV), Revolut Robo Advisor (CSV), Binance (API + CSV), Bybit (API + CSV), Kraken (API + CSV), Lightyear (CSV), and DEGIRO Account Statement (CSV). We auto-detect the listed formats. IBKR options, futures, shorts, payment-in-lieu rows, and corporate actions require manual review; positive paper-export validation remains open. 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, payer-classified Irish and foreign deposit-interest branches, and backend person/year Income Tax, USC, and applicable PRSI liability estimates for dividends and supported records classified as crypto rewards. Unclassified interest, unresolved crypto sources, derivatives needing separate review, and unresolved liability inputs stay outside complete trusted totals. The codebase includes 7,000+ automated tests covering tax calculations, matching rules, and parser behavior. Always verify material figures before filing.
What is Exit Tax and deemed disposal?: The supported Exit Tax model uses 38% from 2026 for funds whose legal and regulatory facts support that treatment. ETF, UCITS, domicile and ISIN labels alone do not decide the result. For reviewed assets, we track 8-year dates from imported acquisition data.
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 estimate losses from transactions and track them year-over-year. You can also enter prior year losses manually.
How are crypto rewards taxed in Ireland?: For supported records classified as crypto rewards, Irish Investor uses a year-specific Income Tax and USC liability estimate from the complete person profile and adds PRSI only where the saved contribution class and eligibility support it. Classification remains fact-dependent: Revenue TDM 02-01-03 does not classify every staking, Earn, or airdrop receipt, so verify it before filing.
How are foreign dividends handled?: Foreign dividends use the individual's year-specific Income Tax and USC liability allocation, with PRSI added only where that person's class and eligibility make it applicable. Supported withholding data is included and we show the net estimate 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). Confirmed calculation defects are triaged, fixed where reproducible, and covered by regression tests where the behavior can be locked down.
Do I need to pay tax on ETF gains even if I don't sell?: It depends on the investment's legal and regulatory form and domicile. An ETF or UCITS label and an EU ISIN do not prove the treatment. Once you confirm an asset under the supported Exit Tax model, Irish Investor tracks its 8-year dates and keeps unresolved classifications outside complete totals.
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 models this 4-week backward matching in CGT estimates.
How do I report crypto gains and income on Form 11?: Resolved supported investment disposals enter the 33% CGT estimate by default unless the person/source is designated as Case I trading activity. Derivatives and unresolved sources require separate review. Supported records classified as crypto rewards use a year-specific profile-based Income Tax + USC estimate, with PRSI only where individually applicable; verify that classification before using the Form 11 guidance.
How do I import my Trade Republic or Revolut data?: For Trade Republic: export Transaction export.csv for regular portfolio imports, or download the Annual Tax Report PDF for annual tax-report data. For Revolut: export your Stocks or Crypto CSV statement from the app, then upload. Formats are auto-detected. You can also connect Binance, Bybit, or Kraken via API syncing.

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Contact: support@irish-investor.com