Best Portfolio Tracker for Ireland Investors

One dashboard for your Irish and international holdings — built for investors navigating deemed disposal, exit tax, and multi-currency portfolios.

Why tracking investments in Ireland is different

Ireland has become one of Europe's most important tech and financial hubs, with a large population of high-earning professionals holding RSUs, US stocks, and global ETFs alongside domestic investments. The Irish investment landscape presents a unique set of tax challenges that no other country quite replicates. The deemed disposal rule forces ETF investors to crystallise a taxable event every eight years whether they sell or not, and the 41% exit tax on ETF gains is significantly higher than the 33% capital gains tax rate on individual stocks. These rules fundamentally shape how Irish investors should think about portfolio construction and tracking.

For the tens of thousands of tech workers in Dublin, Cork, and Galway holding US-denominated RSUs and stock options, currency exposure is a daily reality. A portfolio denominated in EUR with heavy USD exposure can swing meaningfully on exchange rate movements alone, yet most brokerage platforms only show holdings in a single currency. Irish expats living abroad face additional complexity around domicile versus residence rules, which determine how worldwide income and gains are taxed. Even leaving Ireland does not necessarily end your Irish tax obligations if you remain domiciled here.

FlashFi is a multi-currency portfolio tracker that gives Irish investors a single consolidated view across DEGIRO, Interactive Brokers, Davy, and any other platform. It converts everything to EUR in real time while showing the actual FX impact on your USD and GBP holdings. No bank linking, no credential sharing — just a private dashboard that works whether you are in Dublin, Amsterdam, or anywhere else in the world.

Key challenges for Ireland investors

Deemed disposal makes ETF tracking uniquely complex

Ireland's deemed disposal rule requires investors to pay tax on unrealised ETF gains every eight years from the date of purchase. This means you need to track not just what you hold and what it is worth today, but exactly when each lot was purchased so you can anticipate your next deemed disposal event. Most portfolio trackers have no concept of this rule, leaving Irish ETF investors to manage these rolling eight-year clocks manually in spreadsheets.

Exit tax versus CGT creates a two-tier system

Irish investors face a split tax regime: ETF gains are subject to 41% exit tax with no annual exemption, while individual stock gains are taxed at 33% CGT with a 1,270 EUR annual exemption. This asymmetry means comparing ETF returns to individual stock returns on a like-for-like basis requires after-tax modelling that most portfolio tools cannot do. The different rates also influence whether Irish investors should hold individual stocks directly or use ETF wrappers.

Heavy USD exposure from tech RSUs and US stocks

Ireland is home to the European headquarters of Apple, Google, Meta, Microsoft, and dozens of other US tech companies. Many employees receive a significant portion of their compensation in RSUs denominated in USD. Combined with direct US stock and ETF holdings, this creates substantial EUR/USD currency exposure that is invisible in most single-currency portfolio views. A 5% move in EUR/USD can wipe out or amplify months of investment returns when measured in euro.

Domicile and residence rules create expat confusion

Ireland distinguishes between tax residence, ordinary residence, and domicile — three separate concepts that each affect how your investments are taxed. You can leave Ireland and still be ordinarily resident for three years. You can be non-resident but Irish-domiciled and owe tax on certain foreign income. For Irish investors who move abroad or foreign nationals living in Ireland, understanding which rules apply to their portfolio is essential, and tracking investments across multiple jurisdictions requires a tool that handles multiple currencies natively.

How FlashFi helps Ireland investors

EUR-Native Dashboard

See your entire portfolio converted to euro in real time, or switch to any of 30+ supported currencies. FlashFi pulls live FX rates for EUR/USD, EUR/GBP, and more so you always see the true euro value of your international holdings.

Track Every Account in One Place

Add your DEGIRO, Interactive Brokers, Davy, Goodbody, Trading 212, and Revolut holdings into a single unified view. FlashFi works with any brokerage through manual entry, so your entire portfolio lives in one dashboard regardless of where your accounts are held.

No Account Linking Required

FlashFi uses manual portfolio tracking so you never share credentials or grant API access to any platform. This is especially valuable for Irish investors using European brokerages that do not support third-party aggregators.

Currency Impact Tracking

See exactly how EUR/USD and EUR/GBP movements affect the euro value of your US stocks, RSUs, and international ETFs. FlashFi separates asset performance from currency impact so you know whether your returns are coming from the market or the exchange rate.

Frequently asked questions

Can FlashFi help me track deemed disposal dates?

FlashFi tracks your holdings with purchase dates and lot-level detail, which gives you the information you need to monitor your deemed disposal timeline. While FlashFi does not calculate your tax liability directly, having accurate purchase dates and current values for every ETF lot in one place makes it far easier to plan for upcoming deemed disposal events than tracking across multiple brokerage accounts.

Does FlashFi show my portfolio in EUR?

Yes. You can set EUR as your base currency and see every holding across every account converted to euro using real-time exchange rates. If you want to temporarily view your portfolio in USD or another currency, you can switch your base currency at any time without losing any data.

How does FlashFi handle US stocks and RSUs for Irish investors?

You can add US-listed stocks and RSU holdings to FlashFi just like any other position. FlashFi tracks the USD value and converts it to EUR in real time, so you can see the true euro value of your US compensation and investments. The currency impact view shows you exactly how much of your return is coming from the stock price versus the EUR/USD exchange rate.

I'm an Irish expat — can I use FlashFi from abroad?

Absolutely. FlashFi is built for expats and digital nomads. It works from any country, supports 30+ currencies, and does not depend on Irish bank linking. Whether you have moved to the Netherlands, the UK, or anywhere else, FlashFi gives you a unified view of your Irish brokerage accounts and international holdings in one place.

Does FlashFi work with DEGIRO and Interactive Brokers?

Yes. FlashFi uses manual portfolio entry so it works with any brokerage. You enter your DEGIRO, Interactive Brokers, Davy, or any other holdings directly, and FlashFi pulls the latest prices and FX rates automatically. No API keys or credentials required.

By David Brougham