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Capital Gains Tax (CGT) Essentials for Irish Investors
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This tool provides estimates based on the Finance Act 2025, covering Revenue.ie 2026 Tax Bands and Social Welfare (PRSI) rules. These results are intended for informational purposes only and should not be considered official.
Individual tax liabilities are subject to complex variables including but not limited to: Benefit-in-Kind (BIK), specific pension structures, medical insurance reliefs, and professional expenses.This calculation does not constitute professional tax, legal, or financial advice.Before making any financial decisions, please verify all figures with a qualified Irish tax accountant or via the official Revenue Online Service (ROS).
Professional Irish Financial Analysis • 2026
Generated On
9 April 2026
Note: This report is an estimate based on current Irish Revenue tax bands and provided inputs. For official tax advice, please consult a qualified professional or visit Revenue.ie.
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While pensions offer the best tax relief, many Irish residents invest in shares, ETFs, and property. Understanding Capital Gains Tax (CGT) is essential for anyone building wealth outside of a traditional pension wrapper.
The standard rate of CGT in Ireland is 33%. This applies to the profit made when you sell or dispose of an asset.
Every individual has an annual CGT exemption of €1,270. This means the first €1,270 of your capital gains in a tax year is entirely tax-free. This exemption cannot be carried forward to future years, nor can it be transferred between spouses.
CGT operates on a strict self-assessment basis. If you dispose of an asset between January 1st and November 30th, you must pay the CGT by December 15th of the same year. If the disposal occurs in December, the tax is due by January 31st of the following year. You must also file a CGT return the following year, even if no tax is due.