See what Ireland's 38% exit tax and 8-year deemed disposal rule really cost you, next to plain shares taxed at 33% CGT.

Your Investment
Starting Lump Sum
Monthly Investment
Expected Annual Growth
Years Invested
Your Results
More in your pocket with shares
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ETF, after all tax
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Shares, after CGT
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Total exit tax paid
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CGT paid at sale
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Same money in. Same growth. The only difference is the tax wrapper. Deemed disposal taxes your ETF gains every 8 years, even though you sold nothing.

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How this is calculated
ETF side: gross growth compounds monthly, then every 8 years Revenue applies a deemed disposal, 38% exit tax on the gain to date, and the taxed value becomes your new base cost. The final sale is taxed the same way. Shares side: the same contributions and growth, with 33% CGT on the gain at the final sale and the €1,270 annual exemption applied once. Dividends, fund fees, stamp duty and diversification differences are not modelled. Exit tax is 38% for disposals from 1 January 2026.

This calculator is for information only and is not financial advice. Figures are estimates based on what you enter. Tax rules change, check revenue.ie for the latest. Talk to a qualified financial adviser before making big money decisions.

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ETF Exit Tax Calculator