Mortgage and home buying calculators for Ireland
Repayments, deposits and what buying a home really costs.
- 9 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- Mortgage Your monthly mortgage repayment, total interest and loan-to-value.
- Stamp Duty Stamp duty on buying a home in Ireland: 1%, 2% or 6%.
- Mortgage Affordability How much you can borrow under the Central Bank rules, and the price it buys.
- Help to Buy How much Help to Buy you can get on a new home, up to €35,000.
- Mortgage Overpayment How much sooner overpaying clears your mortgage, and the interest saved.
- Rent vs Buy Is it cheaper to rent or buy? Compare what you’d have after you sell.
- Rent Affordability How much rent fits your income, and what it costs to move in.
- Mortgage Switching Is switching your mortgage worth it after legal fees? See what you’d save.
- Rental Yield Gross and net rental yield, and cash flow, for a rental property.
Guides
All Ireland guides- Buying a home Help to Buy explained (now €35,000) How Ireland's Help to Buy scheme works for first-time buyers of new homes, who qualifies, how much you can get from 7 October 2026, and how to apply. Read the guide
- Buying a home First-time buyer guide: deposit, Help to Buy and mortgage Buying your first home in Ireland: the 10% deposit, Help to Buy, the First Home Scheme, what you can borrow, the Local Authority Home Loan and stamp duty. Read the guide
- Buying a home The Central Bank mortgage rules explained How much you can borrow in Ireland under the Central Bank's mortgage rules: the 4 times income limit, the 10% deposit, exceptions and help with the deposit. Read the guide
- Money basics Inflation and interest rates in Ireland, explained What inflation is, why the European Central Bank raises and cuts rates, and what it means for your savings, debts and mortgage in Ireland. Read the guide
- Money myths Myth: renting is dead money (Ireland) Owners pay a lot they never get back too: mortgage interest, Local Property Tax and repairs. How to compare renting and buying fairly in Ireland. Read the guide