Tax Analytics and Calculations
What the Tax Page Shows
The Tax page gives you estimates of your Irish tax position based on the data you've entered in Cisti Finance. It covers:
- Income Tax — PAYE estimate based on your salary and tax credits.
- Capital Gains Tax (CGT) — estimated liability from unrealised investment gains.
- Rental Income Tax — if you have rental properties.
These are estimates only, not official tax calculations. Always verify with Revenue.ie or a qualified tax advisor.
Income Tax Estimate
Cisti Finance uses your gross salary (entered in Settings) to estimate your income tax, USC, and PRSI based on current rates. It applies the standard tax credits (Personal Credit and PAYE Credit) for a single PAYE earner.
If your situation is more complex (joint assessment, self-employment, additional credits), the estimate will be less accurate.
Capital Gains Tax Tracker
The CGT tracker shows your unrealised gains across all investment holdings. It calculates estimated CGT at 33% after the €1,270 annual exemption. Use it to:
- Identify which positions carry the largest CGT liability.
- Plan disposals to make use of the annual exemption before year-end.
- Understand your tax exposure before selling an investment.
For a full explanation of CGT rules and rates, see the Capital Gains Tax guide.
CARF and Crypto
Since January 2026, crypto asset exchanges operating in Ireland or the EU must report transaction data to Irish Revenue under the Crypto Asset Reporting Framework (CARF). If you trade crypto, ensure your CGT records are accurate and complete.