Ireland · Savings & Investment
Saving in Ireland looks straightforward on the surface but the tax treatment changes the answer materially. Deposit interest is hit by 33% DIRT at source; regulated investment funds pay 41% exit tax with eight-year deemed disposal; State Savings products sit outside both regimes. The calculators in this hub help you compare options on an after-tax basis — model how a savings goal compounds after DIRT, see how an investment fund grows under exit tax, or check whether a one-off lump sum beats regular drip-feeding into the market.
Compound Interest
See how your savings or investments grow with compound interest
Savings Goal
Calculate how much you need to save each month to reach your goal
DIRT
Calculate Deposit Interest Retention Tax on your savings interest
Lump Sum vs Regular
Compare investing a lump sum against regular monthly contributions
Inflation
See how inflation erodes the purchasing power of money over time
Emergency Fund
Calculate how large your emergency fund should be
Annual Equivalent Rate (AER)
A standardised gross annual interest rate that accounts for compounding, used to compare savings accounts on a like-for-like basis.
Deposit Interest Retention Tax (DIRT)
A flat 33% withholding tax on interest earned in Irish deposit accounts, deducted at source by the bank or credit union.
Exit Tax
A 41% tax charged on gains from Irish life-assurance bonds and most regulated investment funds, applied on disposal or every eight years on a deemed-disposal basis.