Stock Investment Calculator

CGT in Ireland is 33% on chargeable gains. Unlike the UK, there is no annual exempt amount for most assets — all gains above allowable costs are taxable. You must report gains on your annual tax return (Form 12 or Form 11). Allowable losses can be offset against gains in the same or future tax years.

No. Deemed disposal rules apply to ETFs and investment funds held for 8+ years — not to direct share holdings. This calculator is for direct stock investments only. For ETFs, use our dedicated ETF Tax Efficiency calculator which models the 8-year deemed disposal cycle.

Dividends received from Irish and foreign companies are taxed as income at your marginal rate (20% or 40%), plus USC and PRSI. There is no separate dividend allowance like in the UK. Dividend withholding tax (DWT) of 25% may be deducted at source for Irish companies.

Yes — the growth projections apply regardless of the wrapper. Inside a pension, there is no CGT or dividend tax during accumulation. Withdrawals in retirement are taxed as income. Compare outcomes with our Pension Efficiency and Pension Gap calculators.

For a diversified global portfolio, 5-8% annual return before inflation is a common assumption. Irish investors should factor in currency risk on non-EUR holdings. Past performance does not guarantee future returns — try multiple growth rates to see a range.

Entrepreneur Relief allows a 10% CGT rate on gains up to €1 million (lifetime). Retirement Relief applies to business assets. For standard share investments outside a business, the full 33% rate applies with no annual allowance.

Compare lump sum investing vs pound-cost-averaging (DCA) for Irish investors. DCA reduces timing risk but may lag lump sum in consistently rising markets. Both strategies are subject to 33% CGT on gains above the purchase cost at exit.

A €10,000 lump sum at 7% annual growth over 10 years grows to approximately €19,672 before tax. After 33% CGT on the €9,672 gain, the net value is approximately €16,500. Adding €500/month would significantly increase the final amount.

The CGT rate in Ireland for 2026 remains 33%. Gains must be reported on your annual tax return (ROS or myAccount). Payment is due by 31 October following the tax year. Unlike the UK, there is no annual CGT exempt amount for individuals.

Yes. Dividends are taxed as income at your marginal rate (20% or 40%), plus USC (up to 8%) and PRSI (4%). Irish companies deduct 25% Dividend Withholding Tax (DWT) at source. You claim credit for DWT on your tax return.

Enter your lump sum, monthly contribution, expected growth rate, and investment period. The calculator projects portfolio value year-by-year, estimates ROI and CAGR, and applies 33% Irish CGT at exit. Adjust the growth rate for optimistic and conservative scenarios.

Direct stocks are subject to 33% CGT on disposal with no deemed disposal. ETFs are subject to 41% exit tax (or 33% CGT for "equivalent" funds) with deemed disposal every 8 years. Use our ETF Tax calculator to compare the tax drag between direct shares and ETFs.