Example result based on the prefilled values.
Capital Gain
€80,000.00
Taxable Gain (after exemption)
€78,730.00
CGT Payable (33%)
€25,980.90
Net Proceeds After Tax
€174,019.10
Effective Rate
32.50%
Gain on Cost
66.70%
Continue your plan
Useful next calculations
When to use this calculator
- Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
- When you want to compare employed, self-employed, or dividend-based income scenarios.
- When you need a simple take-home estimate before running payroll or filing returns.
- When you are approaching the £100,000 income level and want to understand the personal allowance taper effect.
- When you are planning a salary sacrifice arrangement and need to see the net pay impact before agreeing terms.
A realistic Ireland planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Sale Proceeds (€)
200000
Original Cost (€)
€500
Improvement Costs (€)
€500
Selling/Legal Costs (€)
€500
After entering these figures, review capital gain, taxable gain (after exemption) and cgt payable (33%) together rather than in isolation — each metric tells a different part of the story. Then rerun the tool with one input adjusted to see which variable has the biggest effect on all three outputs before you settle on a plan.
How to read your results
Capital Gain
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Taxable Gain (after exemption)
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result or a recommendation to make a tax decision.
CGT Payable (33%)
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Net Proceeds After Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result or a recommendation to make a tax decision.
Effective Rate
The effective rate lets you compare options on a true like-for-like basis rather than being misled by different compounding periods or fee structures. Use it to cut through headline marketing rates when shortlisting providers or products.
Gain on Cost
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Method & assumptionsAuthoritative sources
This calculator applies 2024 Irish Revenue rules for Capital Gains Tax. The net gain is calculated by deducting the original acquisition cost, any allowable improvement expenditure, and selling/legal costs from the sale proceeds. The annual personal exemption of €1,270 is then subtracted from the net gain, and the balance — the taxable gain — is charged at the flat 33% CGT rate. No indexation relief is applied, as this was abolished for disposals made on or after 1 January 2003. The effective rate shown is the CGT payable expressed as a percentage of the total gross gain, giving a useful summary figure for comparison purposes.
This tool is designed for straightforward arm's-length disposals of a single asset. It does not cover Principal Private Residence relief, Retirement Relief, Entrepreneur Relief, CGT on gifts or inheritances, or situations involving part-disposals and development land. Gains on certain foreign assets may also be subject to different treatment. Always consult a qualified Irish tax adviser or Revenue's published guidance before filing, particularly where reliefs may significantly reduce or eliminate your liability.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Forgetting location-specific taxes, fees, eligibility rules or payroll deductions where they apply.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
- Use the result to prepare better questions for a lender, provider, adviser or employer rather than treating it as a final answer.
Frequently asked
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