Irish mortgage calculators that just work

Eight free calculators, no sign-up, nothing tracked. Work out what you can borrow, your Help to Buy refund, First Home Scheme equity, monthly repayments, stamp duty — and whether switching or overpaying could save you thousands.

Try it now — monthly repayment

Loan amount€300,000
€50k€1m
Interest rate4.0%
1%8%
Term30 yrs
5 yrs40 yrs
Estimated monthly repayment
€0
Full repayment calculator →

Buying your first home

How Much Can I Borrow?

Apply the Central Bank of Ireland's loan-to-income rules to estimate your maximum mortgage as a first-time buyer or mover.

 New

Help to Buy Refund

Up to €30,000 of the tax you've already paid, put toward your deposit on a new build — see exactly what you'd get.

 New

First Home Scheme

See how much state equity could bridge the gap between your mortgage and the price — and what it costs from year 6.

Monthly Repayments

Your monthly payment, total interest and full amortisation schedule — with fees handled honestly.

Stamp Duty

Work out the stamp duty due on a residential purchase in Ireland, including the higher rate above €1m.

Rent vs Buy

A quick, honest side-by-side of the cost of renting versus buying over your own time horizon.

Already have a mortgage

Should I Switch?

Monthly and lifetime savings from switching lender — netted against legal fees and cashback, with your break-even point.

Overpayment Savings

See how much interest you'd save — and how many years you'd cut off your mortgage — by paying extra each month.

Why use MortgageMath?

Buying a home in Ireland means navigating Central Bank lending rules, stamp duty bands, and years of amortisation math — usually spread across several different bank websites, each with their own assumptions baked in. MortgageMath puts the core calculations in one place, with the formulas shown plainly and no account required.

Every calculator on this site runs entirely in your browser. Your numbers are never sent to a server, logged, or stored anywhere — the moment you close the tab, they're gone.

How these calculators work

The repayment calculator uses the standard mortgage annuity formula that Irish lenders use for fixed and variable repayment mortgages. The affordability calculator applies the Central Bank of Ireland's macroprudential mortgage measures — loan-to-income (LTI) and loan-to-value (LTV) limits — to give a realistic estimate of your borrowing capacity. The stamp duty calculator applies the current residential rate bands. None of this is personalised financial advice; it's a starting point for your own research and conversations with a broker or lender.