Finance & Irish taxes · Calculator companion · By K Imports
Investment return after fees, tax and inflation: practical guide
This guide explains how to use the Count.ie investment return after fees, tax and inflation. Translate a gross investment return into a one-year purchasing-power result. Follow the inputs, method and worked example below, then compare your own scenario.
Guide written .
Open the Investment return after fees, tax and inflation calculatorWhat to prepare
- Have the figures for starting investment (€), gross one-year return (%) and fee on ending gross value (%) ready, from a dated document, with the period (annual, monthly or per transaction) that each input expects.
- Note the date of the transaction, since this model has no year selector and fixed rates may have changed.
- Separate known facts from assumed rates before relying on the headline result.
Understand the inputs
The calculation method
Apply fee after gross return, tax positive net gains, then divide by the inflation factor.
Worked example
Illustrative inputs and their result.
Example inputs
- Starting investment (€)
- 10000
- Gross one-year return (%)
- 7
- Fee on ending gross value (%)
- 1
- Tax on positive net gain (%)
- 33
- One-year inflation (%)
- 2.5
Calculated example result
- Real Return Percent
- 1.4372%
- Ending Value
- €10,397.31
How to interpret the result
Enter applicable tax assumptions yourself. Distinguish a tax saving, a tax bill, cash received and money remaining: they are not interchangeable. An estimate does not establish eligibility, filing compliance or when a refund will be paid.
Change one input of investment return after fees, tax and inflation at a time and record the result; keep a record of the year, date and assumptions so a change in the result can be explained.
Common mistakes to avoid
- Do not mix tax years or apply a newly announced measure to an earlier transaction.
- Avoid counting an allowance, credit, contribution or loss twice.
- Check exclusions and personal circumstances before relying on the headline result.
Assumptions and sources
Enter applicable tax assumptions yourself. Reliefs, deemed disposal, loss relief and timing are excluded.
If your case falls outside this scope, use a more suitable calculator or contact us about an unclear method.