Irish CGT, Exit Tax & Crypto Tax Calculator — Irish Investor
Free Irish investment-tax estimator for CGT, Exit Tax/deemed disposal, DIRT, dividends, and crypto income. Import supported exports from Trade Republic, Revolut, Binance, Bybit, Kraken, and Lightyear.
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 with EU member-state ISIN country codes. Deadline tracking from imported acquisition data. 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 foreign withholding-tax credit support when withholding data is present.
- 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.
- Estimate tax figures — supported Irish investment-tax rules are applied to imported data: 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 + CSV), 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 6,166 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 EU member-state ISIN country codes). After 8 years from purchase, you must declare gains even if you haven't sold. We help track these 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?
- 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 estimate the marginal rate from the Tax Profile settings you provide.
- 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 included when withholding data is present. We show the net tax 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?
- Yes — if your ETF is domiciled in the EU (standard ISIN country code from an EU member state), 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 helps track these 8-year deadlines from acquisition data and surfaces them 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 models this 4-week backward matching in CGT estimates.
- 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: 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