Selling property in Ireland can be exciting, but it often comes with one big concern: Capital Gains Tax (CGT). At 33 percent, CGT can take a large share of your profit. The good news is that with proper planning, you can reduce or even avoid it completely — and the entire process can be managed online.
This guide explains how to avoid Capital Gains Tax on property in Ireland legally and easily, using Revenue’s online tools. Whether you are selling your main home, an investment property, or inherited real estate, the right approach can save you thousands.
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Why Capital Gains Tax on Property Matters
In Ireland, CGT applies when you sell a property for more than you paid for it. However, not every sale is taxed the same way. By understanding available reliefs and exemptions, you can plan your sale wisely and keep more of your earnings.
Our tax services in Ireland include guidance on CGT, income tax returns, and other areas such as corporation tax and capital acquisitions tax.
Thanks to the Revenue Online Service (ROS), you can now handle the entire process digitally. Filing online makes it easy to claim reliefs, offset losses, and calculate your liability correctly — without paperwork or long meetings.
Benefits of filing your CGT online:
- Keep more profit from your sale
- Avoid unexpected tax bills
- File faster with fewer mistakes
- Access reliefs and exemptions instantly
How to Avoid Capital Gains Tax on Property in Ireland Online
Here are the main ways sellers can reduce or avoid CGT — quickly, legally, and digitally:
1. Principal Private Residence (PPR) Relief
If the property was your main home, you may qualify for PPR Relief. This relief can significantly reduce — or even eliminate — your CGT bill, especially if you lived there for most of the ownership period. You can apply directly through Revenue’s portal when filing your return.
Many small business owners and start-ups also benefit from this relief when selling mixed-use properties.
2. Offsetting Past Losses
Losses from previous property sales can be carried forward and offset against current gains. For example, if you sold at a loss in past years, you can declare this in ROS and use it to reduce the CGT due on your next profitable sale.
We also help clients track these through proper book-keeping and digital tools like AutoEntry and Sage Cloud Accounts.
3. €1,270 Annual Exemption
Every individual in Ireland is entitled to a yearly CGT exemption of €1,270. Married couples or civil partners can both claim this, effectively doubling the benefit. When filing online, the exemption is automatically applied once your figures are entered correctly.
If you are unsure about claiming this alongside your annual accounts and CT returns, a consultant can guide you.
4. Transfers Between Spouses or Civil Partners
Transferring property between spouses or civil partners is exempt from CGT. This can help reduce or delay tax liability, and the process can be managed digitally.
We also provide support with related matters such as tax clearance for non-residents in Ireland where cross-border property sales are involved.
5. Professional Online Tax Advice
Platforms such as Taxback and Revenue’s MyEnquiries service allow you to consult professionals online. They help ensure you claim all available reliefs and file correctly, without the need for in-person meetings.
If you prefer dedicated local support, our team provides services in Tralee and Kerry to ensure compliance across all tax returns.
Online Tools That Make Filing Easier
Ireland’s Revenue Online Service (ROS) gives you access to everything needed for CGT management:
- File and pay your CGT return securely
- Store property costs and receipts online
- Check updated reliefs and exemptions
- Receive instant submission confirmation
Alongside ROS, our team also manages VAT returns, payroll solutions, and company secretarial services for clients who want all tax and compliance tasks handled in one place.
Common Mistakes to Avoid
Many property owners overpay CGT because of small errors. To avoid unnecessary costs:
- File your return on time
- Claim all reliefs available to you
- Use the correct purchase price and expense records
- Double-check figures before submitting
With the right profitability growth model, you can also plan ahead and avoid unnecessary tax exposure in the future.
Case Study: Dublin Couple Saves €20,000
In 2024, a couple in Dublin sold their family home. By claiming PPR Relief, applying their €1,270 annual exemptions, and offsetting a previous loss, they cut their CGT bill by €20,000. They handled the entire process online — proof that smart planning and digital filing can deliver major savings.
Final Thoughts: Smarter Property Sales in 2025
Selling property in Ireland does not have to mean losing a large part of your profit to Capital Gains Tax. With proper planning and the use of Revenue’s online tools, you can file correctly, claim reliefs, and keep more of what you earn.
The key is preparation. Use exemptions, apply available reliefs, and file early. Whether you are a medium-sized business, a start-up, or simply managing a one-off property sale, expert tax advice will help you stay compliant and save money.
