Home Loan Repayment Calculator — Ireland
Work out your repayments, what the loan costs in total, and how much an extra repayment saves you. Figures below assume 4% over 30 years. Free, and no sign-up.
Common Ireland loan amounts
| Loan amount | Monthly repayment | Total interest |
|---|---|---|
| €200,000 | €955 | €143,739 |
| €250,000 | €1,194 | €179,674 |
| €300,000 | €1,432 | €215,609 |
| €350,000 | €1,671 | €251,543 |
| €400,000 | €1,910 | €287,478 |
| €500,000 | €2,387 | €359,348 |
Frequently asked questions
How are Ireland home loan repayments calculated?
Repayments use the standard amortisation formula: the balance accrues interest at the periodic rate, and a level repayment covers that interest plus a slice of principal. Early payments are mostly interest; later ones are mostly principal.
Does paying extra actually help?
Yes, substantially. Extra repayments come straight off the principal, so they reduce every future interest charge. On a long loan even a small regular amount can cut years off the term.
Is this calculator free?
Yes. It is free, requires no account, and nothing you enter is saved or sent anywhere — the calculation runs entirely in your browser.
Work out your own numbers
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Estimate only. Assumes a fixed rate and no fees; lenders accrue interest daily and may charge account or discharge fees. Not financial advice.