Investment Tax
What the Investment Tax page shows
Estimates of your Irish investment tax position based on whatever data you've put into Cisti. Three tabs.
- Overview. Estimated CGT, ETF exit tax, income tax and the total across all three for the selected tax year, plus the filing timeline.
- Disposals. Everything you sold: capital gains on shares, options and crypto, exit tax on ETF sales, and 8-year deemed disposals.
- Type badges. Each disposal shows the regime Cisti applied. A warning icon means the fund's domicile couldn't be confirmed (US-domiciled ETFs are assumed CGT because Revenue no longer confirms their treatment) — click the badge to set it.
- Investment Income. Everything you were paid: dividend and interest tax with foreign withholding credits, plus ETF distributions taxed under exit-tax rules.
The tabs are split by what happened — what you sold, versus what you were paid — because that is how your broker reports it. Tax head cuts across both: an ETF is charged exit tax whether it pays you a distribution or you sell it. The Overview's exit tax figure adds the two together, which is how Revenue wants it filed.
These are estimates, not official tax calculations. Always verify with Revenue.ie or a qualified tax advisor before filing anything.
Income tax calculator
Want a PAYE, USC and PRSI estimate from your salary? That's moved to the free calculator at /tools/tax-calculator. No login needed, and your inputs stay in your browser.
Why your salary matters here
Dividends and deposit interest are taxed as the top slice of your income — stacked on top of everything else you earn to work out which band, USC rate and PRSI apply. So the estimate is only meaningful if Cisti knows your other income.
It reads your salary, marital status and spouse's income from Settings. With no salary on file the whole amount falls in the standard rate band and the estimate comes out far too low. The salary box on the Investment Income tab is an override for modelling a different year — leave it empty to use Settings.
ETF distributions are the exception: exit tax is a flat rate with no USC or PRSI, so your salary doesn't change it.
Disposals
The Disposals tab covers what you actually sold during the year, plus any 8-year deemed disposals that fell due. Shares, options and crypto are taxed at 33% after the €1,270 annual exemption; ETFs are charged exit tax instead, with no exemption and no relief for losses.
For the underlying rules, see the Capital Gains Tax guide.